vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Hi, I deposited a check on XX/XX/2022 at PNC bank in the amount of {$7200.00}. I recieved a note from PNC bank stating the funds won't be available for 10 days. The check has cleared, and PNC has the money and still have not released it. It's been 55 days and they have not released my funds.. I am in my senior year at the XXXX  XXXX XXXX and my account at PNC bank has always been in good standing. Thank you for you help. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Dear CFPB, I'm XXXX XXXX the owner of the property at XXXX XXXX XXXX, XXXX, CA XXXX. Please allow this letter as a complaint as well as seeking for help letter regarding my Mortgage # XXXX with Amerisave XXXX. I'm currently up to and always pay the mortgage on time. However, there is problem recently with the property tax that make me feel overwhelmed and over budget. When I first purchased the house, the lender estimated my property tax to be around {$6500.00} for the first year and it would only increase about 2 % every year if the market goes up ( this is protected by California Prop 13 ). They calculated my DTI using my debt at that time and the estimated Property tax, Property Insurance, Principal and Interest payment. The law requires them to to factor everything in so the borrower can pay the mortgage and keep the house in the long run. I the final disclosure that I signed at closing, the property tax is still estimated at around {$6500.00} and that is verified with the county and appraisal. However, as long as I purchased the property, there is a substantial amount of increase in property tax that make it way over my budget. I understand that estimate can be wrong, however, there must be a margin of error at 10 % by the law so that even if it's wrong, the owner can still afford it. In this case, the new property tax is {$13000.00} which is almost double the amount that they estimated to factor in for the debt to income ratio. This make the debt to income ratio to be over 90 %. Now that I called them and they denied their fault when process the loan. They could have just denied the mortgage at that time, and advised me to find a cheaper house. They tricked me in the mortgage with cheap payment monthly, and now when their estimated number is wrong, they refused to help. Could you please help me with this? 

I have attached the Final Disclosure I signed at closing for your reference. 

Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mercedes Benz Financial Services
State: CO

Complaint narrative:
Account Number : XXXX Company Name : Mercedes-Benz Financial Services XXXX XXXX Credit Dispute XXXX XXXX XXXX XXXX, Texas XXXX This company has engaged in retaliation and fraudulently reported a late payment on my credit report which has impacted my ability to get a home loan as well as resulted in a {$4500.00} increase in my auto and home insurance policy. 

The vehicle in question was totaled in XX/XX/2022 and the insurance company paid off the vehicle in XX/XX/2022. I submitted an extra payment in XXXX to ensure that there was no gap between the due date of the next payment and the payoff by the insurance company. Despite my efforts, this company engaged in retaliation and reported a late payment in XX/XX/2022 which has ruined my credit. 

I have contacted all three credit bureau agencies to dispute this information and I also reached out to Mercedes-Benz which has shown no effort to try to resolve this issue. They even indicated that there was no way to email or communicate other than mailing a letter to dispute this issue. They sent a letter to me that clearly indicates the vehicle was paid off in XXXX but yet they're not willing to verify this internally or admit that they fraudulently reported this late payment. 

My concern is that if they fraudulently reported a late payment what will stop them from further engaging in fraud by responding to the credit agencies by claiming that the late payment was valid. In the meanwhile, I've been denied a home loan and I'm faced with paying an extra {$4500.00} in insurance costs until this fraud is resolved. 

In addition to requesting your help to resolve this issue, I need to know if there's any remedy for the financial impact of this retaliation. I got a letter from my auto and homeowners insurance indicated that my rates were substantially increased as a result of my XXXX XXXX that was impacted as a result of Mercedes-Benz fraudulently reporting a late payment. My score dropped from XXXX to XXXX specifically because of this fraudulent report. 

I am confident that this is fraudulent because I contacted the company over XXXX times between XXXX and XXXX asking them to refund my overpayment. They finally issued a refund of my overpayment a week ago which is further indication that there was never a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo has engaged in discriminatory practices by age, disability & financial status disallowing everyday checking accounts deposited and funded online with a XXXX check - Company has requested my personal information when they already could have dealt with the response- They have repeatedly sent physical mailings demanding I come into a branch! 


Some of us are antisocial and don't like having to talk to someone over the phone or in a branch. 

Stop this behavior & reflect on your autographs

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On or about XX/XX/2022 I suspected that another bank might have my sign in credentials for my above referenced Webster account. 

In talking with Websters fraud department I requested that my account be frozen until I could assure myself that my account was secure. 

Since that time I have resolved that there is no problem with unauthorized access and thus there is no further reason for the freeze. On XX/XX/2022 I was advised by Webster that the freeze could not be lifted, even though I, the account holder, have requested it. No other person or entity has my online access information. 

I was further advised to visit a Webster bank in person, but what this will accomplish was not clearly stated. Do I open a new account? Can I reopen my old one? How will I access funds? Because I am now living in a state nor serviced by Webster, my visit to a branch bank will require travel. 

I am a XXXX XXXX XXXX retired person who has been a customer of Webster for 40 years. All of my retirement income is deposited into my Webster account and all of my living expenses come out of it. Websters refusal to allow access to my funds is causing me severe financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Yesterday I filed a complaint after i asked the 3 bureaus to do a proper investigation verifying that all items are 100 % accurate on all 3 reports. however that didn't occur. How in XXXX XXXX XXXX can all 3 bureaus do a proper investigation that quickly. My report is IN huge violation in which i am prepared to seek outside council and receive up to {$1000.00} per item, Last night i finished my 3rd and final dispute before i get a Lawyer XXXX # XXXX. As i tried to upload the file that clearly show the wrong doing in the account. Suddenly i was unable to upload it mysteriously. So i will ask that you combine these 2 complaints into one! Now i will attempt to upload these inaccurate documents. The violation is 15USC 1681 section 602 A Simply states I have the right to privacy. ( IN Violation ). 15USC 1681 sec. 604A The reporting agency can not furnish reports with out my consent. ( Violation # 2 ) 15USC 1681c ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions to any consumers reporting agency if the persons knows or has reasonable cause to believe that the information is inaccurate. add this to file complaint number : XXXX from this morning for XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I paid the total balance of my Credit Card, like every month, on XX/XX/XXXX late at night ( {$1900.00} + {$30.00} from my Bonus Cashback Redemption Program ). My payday is the XXXX of every month. The Company ( XXXX ) withdrew from my checking account the amount paid on Monday, XX/XX/XXXX early in the morning. The afternoon of that day and today, in the morning, I received notifications and alerts from them that my Balance was {$0.00}. However, this afternoon I received an alert from my Credit Monitoring Agency that my credit score had dropped precipitously ( XXXX in Transunion & XXXX in XXXX ) I immediately made the dispute and also called XXXX, they ( both ) promise to resolve it but they do not ensure that my credit score will return to the point it was at, that is, they do not ensure that they will restore the same number of points that they unfairly took away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I took a remote job from a company called XXXX XXXX. I was into town work in accounts receivable and get 5 % commission for everything that I collected. I received a cashiers check from a client named XXXX XXXX in the amount of {$3800.00}. I was instructed by my XXXX XXXX XXXX to wire the collected funds to a XXXX XXXX XXXX account to a XXXX XXXX in XXXX, GA. Turns out that the cashiers check was fake and I got scammed. My bank account was depleted and now I dont know how Im going to pay for my education next semester. I filed a claim with the FTC and was sent here in hopes that I might be able to get my money back. Im out {$3600.00} because of this and I need help to get it back. The bank informed me that Im liable and the FTC says that youre my only hope. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/22, I noticed a charge on my Bank of America XXXX XXXX, placed there by XXXX XXXX ( which I did belong to last year ) but these charges were for {$190.00}. For the upcoming year. I do not recall giving XXXX XXXX permission to automatically charge my card for the upcoming year. 
( XX/XX/22 XXXX XXXX {$190.00} -- - Reference no. XXXX. 
By email, I contacted XXXX XXXX, and told them I wanted the upcoming member ship cancelled, and the {$190.00} refunded back to me. 
I received an email from XXXX, indicating my membership had been cancelled. 
I received no refund of the {$190.00} from XXXX. 
I contacted Bank of America, XXXX on XXXX at XXXX pm, and spoke to XXXX, and explained the problem, that the amount needed to be put into dispute, as I was due a refund of {$190.00}. 
As of XX/XX/22 there is NO credit of {$190.00}. On my online Bank of America statement. 
There appears to be no DISPUTE in process. 
So my call, of concern, to XXXX was placed in vain. Bank of America did nothing. 
WHAT I WANT I want the {$190.00}. Removed from my statement as a charge. 
I HAVE the email, sent to me, by the XXXX XXXX, indicating my account is cancelled for the upcoming year. 
Now I need my money refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX of this year, I received an alert about a hard inquiry made by XXXX Bank, being sure that I had not requested any service and I disputed it before Equifax and XXXX. Then in XXXX I received another alert from a hard inquiry from XXXX Bank and another from XXXX, being sure that I had not requested any service. I also did both disputes. At the beginning of XXXX I received calls from XXXX Bank and there I learned that the case of the month of XXXX corresponded to a XXXX Credit card requested in person at a store. Obviously it wasn't me because I've never set foot in a XXXX XXXX, I don't even know what it looks like inside. Later I found out that the other inquiry from XXXX Bank corresponded to XXXX & XXXX and although if I have ever bought in that store, it has always been cash and I have never applied for a card or credit. And finally, I investigated, and the one corresponding to XXXX was related to XXXX XXXX, a store where I bought and had a credit card many years ago but closed it because I didn't use it. I closed it over 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
XX/XX/2022 i received a credit card for activation. When I went to the app it shows a third card awaiting activation with a service fee. I called them and told them I didnt authorize another card to be sent to me. They informed me that I have to pay the fee. I told them i didnt sign up for a new card and I wont pay this fee. They cancelled the card and informed me that this will be reported to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
" Phony '' collections agency ( Harris and Harris ), from XXXX ( IL ), keeps calling me at odd hours AND OVER THE WEEKENDS ( especially over the weekends ), using different numbers. Said agency, per federal and per MY STATE ( Texas ) do not follow lawful activities when making the call ( unlike other collection agents ). They claim to call about a " business matter '' ( always use this line ). So, I answer to their request evasively ( eg. I'd say " I'll connect you with XXXX XXXX if you leave a message about said 'business matter ' '' ) or be more direct ( " if this is a collector call, plese, tell me who you are ''. None of those things had been done by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX My business checking, savings and personal account was hacked. They were able to wire transfer XXXX and XXXX out of our accounts. Wells Fargo bank called numerous times to clarify transactions. The Wells Fargo agent calling gave us dispute numbers and his badge number. While on the phone with me Wells Fargo was calling my spouse who also told wells Fargo agent they were fraudulent transfers. I went to the Wells Fargo in my area were I was told the agent I was speaking to was the hacker. I was told by Wells Fargo branch manager they would need 7-10 business days to investigate the fraud charges. Today XX/XX/2022 Wells Fargo denied funds to be returned.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I XXXX XXXX had a joint account with my XXXX XXXXXXXX XXXX on XXXX the XXXX XXXX  my account was frozen the XXXX in it was {$8100.00} she had a judgment with her against XXXX XXXX and XXXX I put in a intervene in and went to court on XXXX the XXXX I won the judgment when I won the judgment I let Wells Fargo know that I won and everything After I let them know I won they close my account and they would not talk to me they have not yet sent me my money or let me know where my funds are and when I will receive my money I won the judgment and that's what the judge said I would receive all of my money back and Wells Fargo has yet to give me any of my money or access or even when I will get it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX of this year, I received an alert about a hard inquiry made by XXXX Bank, being sure that I had not requested any service and I disputed it before XXXX and Transunion. Then in XXXX I received another alert from a hard inquiry from XXXX Bank and another from XXXX, being sure that I had not requested any service. I also did both disputes. At the beginning of XXXX I received calls from XXXX Bank and there I learned that the case of the month of XXXX corresponded to a XXXX XXXX XXXX requested in person at a store. Obviously it wasn't me because I've never set foot in a XXXX XXXX, I don't even know what it looks like inside. Later I found out that the other inquiry from XXXX Bank corresponded to XXXX XXXX XXXX and although if I have ever bought in that store, it has always been cash and I have never applied for a card or credit. And finally, I investigated, and the one corresponding to XXXX was related to XXXX XXXX, a store where I bought and had a credit card many years ago but closed it because I didn't use it. I closed it over 5 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX of this year, I received an alert about a hard inquiry made by XXXX Bank, being sure that I had not requested any service and I disputed it before XXXX and XXXX. Then in XXXX I received another alert from a hard inquiry from XXXX Bank and another from XXXX, being sure that I had not requested any service. I also did both disputes. At the beginning of XXXX I received calls from XXXX Bank and there I learned that the case of the month of XXXX corresponded to a XXXX XXXX XXXX requested in person at a store. Obviously it wasn't me because I've never set foot in a XXXX XXXX, I don't even know what it looks like inside. Later I found out that the other inquiry from XXXX Bank corresponded to XXXX XXXX XXXX and although if I have ever bought in that store, it has always been cash and I have never applied for a card or credit. And finally, I investigated, and the one corresponding to XXXX was related to XXXX XXXX, a store where I bought and had a credit card many years ago but closed it because I didn't use it. I closed it over 5 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation