vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I obtained the credit card  XXXX  through a furniture store and when signing up I was informed that I would be getting no interest charges for the first year, after which interest would start being charged on a monthly basis for the amount that remained. When I received the bill for the  XXXX  month, in  XXXX   2017 , the bill stated that I owed close to {$500.00} in deferred interest charges. I was never informed that I would be held responsible for any interest for the period of time that I had t he one year  promotion.   After speaking to a representative of  XXXX  regarding the interest charges I was informed I would be held responsible. I paid off the remaining balance of {$840.00} in full and asked that my account with  XXXX  be closed. It is now  XXXX  and I have received a bill of {$330.00}, {$11.00} of which is an additional interest charge. I am now being charged interest on top of interest.   After calling  XXXX  once more, I asked why I am being charged interest on full amount of the initial purchase price as opposed to what the new balance was after  2017 . I was only informed that it is their policy and written on the bill. I am unwilling to pay the {$330.00} I am currently being charged due to having been misled and not fully informed about the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank N.A. back inXX/XX/XXXX closed 3 of my credit card accounts. ( 2 MC and 1 Visa ) account. The accounts were in good standing and had small balances due. A letter was received from the Executive Response Unit of Citibank , N.A . XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. Then just yesterday I received another similar letter notifying me of the closing of a fourth account, a Costco Visa card, belonging to Citibank. No reason was given for the account closings other than the bank has the right to close my accounts at any time they choose to. <P/>I contacted them in writing and I received a response repeating the same information, the bank has the right to close the account at any time. No other reason was given. The AAdantage Executive card had a {$350.00} annual fee. I requested a prorated refund of the annual fee and this was denied. All account balances were promptly paid within terms. <P/>Additionally, back in XX/XX/XXXX, Citibank closed my personal checking account, a business savings account and two business checking accounts. They refused to provide me with any reason for the account closings. These accounts had be active and open for over 15 years. All of these accounts were in good standing. My business is a reputable company, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX and we have been in business since XXXX. We have never been involved in any fraudulent litigation, we are proud of the excellent business reputation we have in our industry.

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 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA
State: TN

Complaint narrative:
I opened student loans when I was XXXX years old in 2003. I have since paid all my student loans. I originally noticed student loan company 's had the balances incorrect. I disputed the balances and they were all adjusted to {$0.00}. As I started applying for my mortgage, I learned there is another person attached to my credit report. This man social, addresses, work history and other people information are on my credit report. As I got denied for credit cards because of my payment history of my student loans. I began to investigate and realized. XXXX XXXX is not reporting correctly. I asked for the debt to validated, I have not received that information. I also sent in information to the three credit bureaus, of the person student loans coming to my address. The same man who social, addresses and work history that blends with my credit report. I believe all the late payment XXXX is claiming I made are untrue. All my student loans are paid off and I want to go back to school. I am being denied at every turn for 14 yr old loans. The delinquencies, the remarks, are ruining my life. I need these off my credit report. I believe there were times when collections of my monies, were reported as missed when they were n't. I believe there may have been computer/debit issues, when I would make a payment. I believe some months my payment was n't late, I was in a deferred period. There is even proof of another person info being blended with mines on my credit report. I have proof of his student loan bills coming to my old address. There could have been times payments made may not have been applied properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because  XXXX , Equifax, and   XXXX   have ignored my request to provide me with the documents that their company has on file that were used to verify the account I disputed. I have been requesting verification of the following account that  XXXX , Equifax, and  XXXX  continue to report on my credit file : Bankruptcy Case ID #  XXXX . I also contacted the United States Bankruptcy Courthouse in  XXXX , GA and spoke with a court clerk. The clerk 's answer was definitively clear : " The Bankruptcy Courts do not have any type of communication with any of the credit bureaus. '' Then I asked if the court received anything from  XXXX , Equifax or   XXXX   trying to verify the case, the clerk 's answer was again clear : " No, we did not receive anything from  XXXX , Equifax or  XXXX  regarding your case. '' She stated they do not furnish information to credit bureaus electronically, by mail, or by any other means. I have verified with the clerk of court stating they do not report or verify anything with the credit bureaus.  XXXX , Equifax, and  XXXX  are using a third party to report this inaccurate information. I 'm requesting the immediate deleti on of this inaccurate information.  XXXX , Equifax, and  XXXX  are violating the Fair Credit Reporting Act by saying they verified this item. Please, see the attachment. Also, under Section 611 ( 5 ) (  A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I request that this public record Bankruptcy #  XXXX  be removed due to lack of verification and inaccurate reporting of verification. I have repeatedly requested tangible documentation whether electronically or hard copies and  XXXX , Equifax, and  XXXX  have yet to verify. Also,  XXXX  informed me that they were not going to reinvestigate this information again unless I send additional relevant information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC  bank has charged me a late fee on several occasions when I am making my payment on time. I was charged a late fee but my payment was not late even after the bank sent the payment on time. I have had the worst customer service from this bank. I was told I would be sent a passcode to access my account online. I receive the code and it never worked! I am so upset about this. I have not been able to view my account online! I have never seen a more complicated online process. Acct #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
Hello on  XXXX  2017, I ma de an international transfer of {$2300.00} to my friend with moneygram ( ref id :  XXXX  ). I used my  XXXX  debit card and for some reason my bank has declined that transaction.so I taught the receiver never received that amount and I have informed my friend about the same.     to my suprise, today morning (  XX/XX/2017    ) I got a call from  XXXX  saying that you have an amount to pay for moneygram of $  XXXX + {$30.00} ( check returned fee ) .I explained  XXXX  representative that the amount never deposited in receiver 's account then why I need to pay that amount to moneygram. first I contacted them using live chat and they said we did n't process that transaction as your bank declined to pay that amount.then I called  XXXX  representative he advised me to call moneygram corporate office.then I called them the person who took my call ( at moneygram corporate office ) is very rude at me and refused to say any details and asked me to call  XXXX  for further details.I really disappointed with their behavior and no one has told me what 's going on exactly and the  XXXX  guy threatened me to pay that amount as today is the final day.so I paid that total amount of $  XXXX .here are my questions for moneygram.     1.why did you block my account and I am not able to see any transactions so how can I believe that the money deposited in receiver 's account?   2.on  XXXX  2017 I  made a transaction you have my email and phone number on file why do n't you call me or email me about the issue?   3.please provide me the proof showing that the receiver got that amount as I am not able to login into my account.     I have attached the screenshot of your representative who said that the transaction is not processed and if you fail to show that the amount deposited in receiver 's account.I will proceed legally and the way they approached about this issue is not at all good.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On  X/XX/2017    at  XXXX   XXXX  I went t o the drive up of Wells Fargo Ba nk to deposit a check, and cash  XXXX  additional checks. I have banked at this same bank and branch for years, have  XXXX  accounts and a safe deposit box. I presented a photo drivers license and my AT M Wells Fargo c ard. I was told by the teller and the head teller id #  XXXX   XXXX  and  XXXX   XXXX  that my ATM card could not be used as an ID because it did not have a VISA LOGO on it. I was asked to present a VISA CARD for the transaction to be completed or did I want my checks back, or come into the branch to apply for a  WELLS FARGO VISA C ARD. As this upset me first because I can not walk at times, and secondly did not understand why t he Wells Fargo A TM card was not for ID.     I have watch ed the Senate hearings about Wells Fargo tryin g to push their products, know the CEO was fired for their marketing abuses, and I know my rights as a customer. I have never received a disclosure fr om Wells Fargo adver tising the use of the ATM card not being accepted as an ID. When I asked the banking reps the reasons for the ATM card not being accepted, no one could give me an answer.     I gave my  XXXX  VISA CARD in order to complete the transaction. I want to know what the teller did with my card, did she photograph it, make a paper copy of it, write it on the back of the checks, no one could give me an answer. I asked to see the bank policy in writing again, there is no follow up or answer.     The  Wells Fargo store nu mber is  XXXX ,  XXXX   XXXX   XXXX   XXXX   ,   XXXX  , NJ  XXXX  I wrote a {$500.00}. check on my checking account, cashing a NJ Treas check for {$110.00} and deposited a company check for {$6700.00}. There are liquid funds in the  XXXX  accounts to cover these checks. transaction number  XXXX  teller  XXXX , transaction  XXXX  teller  XXXX .     Subsequently I executed a presidential complaint, received three calls from various supervisors who stated they would send me the bank policy, and no one has gotten back to me about my  XXXX  VISA CARD account number where was it dispersed, what is the teller training regarding a competitors credit card, and no apology in a letter from the bank. I want to be added to the class action suit that the bank is currently experiencing for refusing to conduct my transaction without  a WELLS FARGO VISA CARD.

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 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
I had a mortgage with Chase that I wanted to refinance. After locking rate and agreeing to proceed with Chase for the refinance, I was asked to complete forms multiple times. I was asked to verify the same information over and over again. I was asked to explain line items on my paycheck multiple times. Notably, my paycheck is military so should be easy to read or understand as all information is public record and easily found online, OR via the Chase department that deals with military and veterans. I was not provided information that I requested. I was not called back though I requested a call back repeatedly. Customer service ( resolutions ) contacted me several times, but they never seemed to know what was actually going on with the mortgage process, and often had incorrect information. I have participated in  XXXX  mortgages, either new or refinance, in my lifetime. I know what to expect. This process has been so painful. I can not get anyone at Chase to give me a date for closing even though they say they have all the info now. My banker is filing for an extension ( has been 60 days now ) and says they will have to verify my employment AGAIN ( this will be the 3rd time ). I have stable employment  (  XXXX   XXXX    XXXX    XXXX  in the  XXXX  ), a  credit score th at hovers around  XXXX , and most importantly, I have a history of business with Chase as this is a REFINANCE. I have had a Chase mortgage since    2003.  There is no reason this process should have been so awful for a simple refinance. I would like to walk away and chose another bank but at this point I have HOURS if not DAYS of my time invested. I feel like a hostage to Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because XXXX, XXXX, and TransUnion have ignored my request to provide me with the documents that their company has on file that were used to verify the account I disputed. I have been requesting verification of the following account that XXXX, XXXX, and TransUnion continue to report on my credit file : Bankruptcy Case ID # XXXX. I also contacted the United States Bankruptcy Courthouse in XXXX, GA and spoke with a court clerk. The clerk 's answer was definitively clear : " The Bankruptcy Courts do not have any type of communication with any of the credit bureaus. '' Then I asked if the court received anything from XXXX, XXXX or TransUnion trying to verify the case, the clerk 's answer was again clear : " No, we did not receive anything from XXXX, XXXX or TransUnion regarding your case. '' She stated they do not furnish information to credit bureaus electronically, by mail, or by any other means. I have verified with the clerk of court stating they do not report or verify anything with the credit bureaus. XXXX, XXXX, and TransUnion are using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this inaccurate information. XXXX, XXXX, and TransUnion are violating the Fair Credit Reporting Act by saying they verified this item. Please, see the attachment. Also, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I request that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification. I have repeatedly requested tangible documentation whether electronically or hard copies and XXXX, XXXX, and TransUnion have yet to verify. Also, XXXX informed me that they were not going to reinvestigate this information again unless I send additional relevant information.

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 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because Experian,  XXXX , and  XXXX  have ignored my request to provide me with the documents that their company has on file that were used to verify the account I disputed. I have been requesting verification of the following account that Experian,  XXXX , and  XXXX  continue to report on my credit file : Bankruptcy Case ID #  XXXX . I also contacted the United States Bankruptcy Courthouse in  XXXX , GA and spoke with a court clerk. The clerk 's answer was definitively clear : " The Bankruptcy Courts do not have any type of communication with any of the credit bureaus. '' Then I asked if the court received anything from Experian,  XXXX  or  XXXX  trying to verify the case, the clerk 's answer was again clear : " No, we did not receive anything from Experian,  XXXX  or   XXXX   regarding your case. '' She stated they do not furnish information to credit bureaus electronically, by mail, or by any other means. I have verified with the clerk of court stating they do not report or verify anything with the credit bureaus. Experian,  XXXX , and  XXXX  are using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this inaccurate information. Experian,  XXXX , and   XXXX    are violating the Fair Credit Reporting Act by saying they verified this item. Please, see the attachment. Also, un der Section 611 ( 5 ) ( A ) of  the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I request that this public record Bankruptcy #  XXXX  be removed due to lack of verification and inaccurate reporting of verification. I have repeatedly requested tangible documentation whether electronically or hard copies and Experian,  XXXX , and  XXXX  have yet to verify. Also, Experian informed me that they were not going to reinvestigate this information again unless I send additional relevant information.

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 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My home was purchased in XX/XX/XXXX, My Husband filed for divorce in XX/XX/XXXX I contested the divorce for approx. Three years my husband at the time refused to pay the Mortgage. I had a bank account that was inherited through my family which I used to help me with the mortgage. this bank account got closed by XXXX XXXX XXXX I had XXXX dollars at that time. I complained against XXXX XXXX XXXX nothing was resolved .My husband and I were divorce by Supreme court XX/XX/XXXX. I went into foreclosure I requested help from various agencies who contacted Wells Fargo who offered me a Modification for 40 yrs. my loan at some point was 22 yrs because of extra payments applied. The courts found my husband to be abandonment. and requested that I was awarded the home.Wells Fargo received all of the divorce documents also the quid claim deed.Removing my husband from the Title But not from the loan. I tried to file assumption I was told my X husband has to sign documents I do n't know where is. I tried to refinance I was told the bank do not work with 40 yr loans. Wells Fargo after paying them on time They given the credit reporting companies a very low score 0f XXXX so that I can not receive help any where.

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 2017-05-31 00:00:00
Product: Student loan — Federal student loan servicing
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: Nelnet, Inc.
State: SC

Complaint narrative:
Nelnet bought out the company that issues/holds student loans in the state of SC. When they bought out the company, they had an old address and phone number for me. Any auto debits that were set up with the old company did n't transfer to Nelnet. The y ended up having me as 90 days past due when I had no idea that they owned my loan now. I called to settle this once I saw it on my credit report, and they had no problem giving me a forbearance and bringing me current, but refused to remove the hits on my credit ( which was  XXXX  separate loans ) because they said they sent letters and call ed ( even  though they had the address and phone number wrong ).     I 'm a veteran and am trying to secure a VA loan for a house, and this hit to m y credit score is making it difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have never been 30 days late ever and chase reported me last month. I am in the middle of a refinance to get my ex wives name off the house and them reporting is really hurting my score. I screwed up and sent the check but forgot the stamp and when i came back from working in another state it was late. If i dont get this removed i am going to have to sell this house and move.

Company response to consumer: Closed with explanation