vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX and XXXX I was assessed 7 overdraft fees on transactions. I dispute the validity of 5 of them. 

I overdrafted in the first place due to a deposit from my employer not arriving as previously expected, so I do take responsibility for XXXX of the transactions overdrafting. 

All transactions were initiated on XX/XX/XXXX, though some I have since been told did not officially post until XX/XX/XXXX. I began my day with {$170.00} in my account and initiated the following transactions first : {$9.00} - XXXX {$43.00} - XXXX XXXX {$37.00} - XXXX {$9.00} - XXXX  {$64.00} - XXXX Those transactions total {$160.00}. Each was initiated when funds were shown as being available in my account. 

The following two transactions occurred after {$300.00} - ATM Withdrawal {$92.00} - XXXX PNC is claiming that the first 5 transactions did not officially post until the XXXX or later, even though they were initiated first. They in turn posted the {$300.00} withdrawal as technically first then, causing all transactions to overdraft - even though when they were initiated funds were available. 

I've subsequently been told it is my job as a consumer to guess when a transaction may technically post and I shouldnt assume it will the day the transaction actually is initiated. This feels against the spirit of the CFPB rules on this topic. 

I checked my available funds, they were there, I initiated my transactions, I ended the transations still with funds in the account, but another transaction jumped to the head of the line and caused the overdrafts. This is not fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
fdc XXXX XXXX XXXX XXXX XXXX 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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the last three montha I have paid XXXX dollars in credit card debt, and closed another account with nothing owed on it. The first month it went up 30 points but not since then. Ive continued to pay more then the lowest amounts on my credit cards, all my accounts are on time and my score has not move beside down 2-3 points.I am absolutely doing everything that I was advised to do by this site as well as credit advisors, there is nothing left that I can do to increase my score but yet its not increasing if possible please be some assistance. Ive contacted all three credit report agencies with no assistance as the out come.

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 2020-05-26 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX Credit Acceptance Corporation closed my account ( XXXX ) referring it to an outside lawyers office for handling. The account with Credit Acceptance was opened in XXXX of XXXX. After 5 years and 3 months of the account being reported as " Closed - Referred to Outside Collection Agency/Attorney '' - Credit Acceptance re-opened the account, along with falsely updating the payment status to reflect past due 120 days. During a time in our world where we are not promised tomorrow, I find it extremely disappointing this company would resort to these measures. Credit Acceptance is intentionally reporting these inaccuracies to further delay the statue of limitations of this account. As previously stated, with this account being reported as Closed since XXXX, it was scheduled to be removed from my credit report in XX/XX/XXXX. With the current reported information it has extended the time until XXXX. I never received any calls from Credit Acceptance requesting the account to be re-opened, neither the co-applicant or myself make any payments on this account nor were there any recent payment arrangements. In contacting the Credit Acceptance I spoke with a Supervisor by the name of XXXX - who stated the following : " I'm quite sure us reporting the account closed for five years benefited you but I have nothing to do with that ''.

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 2020-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE WERE ACCOUNTS AND INQUIRIES THAT DO NOT BELONG TO ME. THESE FRAUDULENT ACCOUNTS ARE CAUSING ME UNNECESSARY HARDSHIP. PLEASE INVESTIGATE THESE ACCOUNTS AND SEND ME AN UPDATED COPY.

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 2020-05-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE WERE ACCOUNTS AND INQUIRIES THAT DO NOT BELONG TO ME. THESE FRAUDULENT ACCOUNTS ARE CAUSING ME UNNECESSARY HARDSHIP. PLEASE INVESTIGATE THESE ACCOUNTS AND SEND ME AN UPDATED COPY.

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 2020-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I put the dispute in XXXX in wells fargo because I buy a travel in book it and the in send the lettle with notifications the cancel my trip and call my bank for option, but my bank no help just said no probe enough and closed my dispute sorry for my 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 2020-05-26 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
on XX/XX/XXXX, I purchased a plane ticket from XXXX XXXX for my sister XXXX XXXX. She was scheduled to fly on XX/XX/XXXX. When Covid 19 hit, she called her physician to see if it was ok for her to fly. Since she is XXXX XXXX XXXX and has XXXX XXXX XXXX XXXX he advised her not to fly because she is high risk. The ticket was cancelled on XX/XX/XXXX via XXXX customer service and was advised a refund would be issued with a letter from the dr. A letter was sent to XXXX and Chase credit card for a refund. I received an email from XXXX showing a refund was completed on XXXX. I have sent several copies via email and fax to Chase but as of today I have not received the credit. The amount is {$260.00}. I have called 3 times and all I get is that I need to resubmit the dispute. It was submitted in XXXX, and XX/XX/1920, XXXX and faxed XXXX. They have a copy of the physicians letter and the email showing the refund approval from XXXX. I do not know where else to turn in getting this issue resolved. I would greatly appreciate any help you are able to provide with a resolution. Thank you for your kind consideration. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Our mortgage is with Ameriahome mortgage # XXXX, The XX/XX/2020 mortgage payment was mailed on XX/XX/XXXX and cleared my account on XX/XX/XXXX. Another company cashed the check .... XXXX XXXX cashed the check and and deposited it with XXXX XXXX. I have reached out to Americahome mortgage in writing and via telephone and they have not addressed the issue. I believe that someone in the mail room may have stolen the check. We are in the process of purchasing another home and because the XXXX mortgage payment is being reported late we are being denied approval. Our current home has sold and unless this is removed we will have no palace to live. I understand that XXXX  is the sub-servicer on our mortgage ... .please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Hi Specialized Loan Servicing, LLC The property you are trying to foreclose is my primary residence. 
I am retired. I am XXXX XXXX. XXXX XXXX has suffered substantially due to COVID-19 Pandemic. I have been affected by COVID-19. 
Please obey federal law and stop the foreclosure. 
Please work with me. 
Thank You Very Much.

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 2020-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Coinbase, Inc.

Complaint narrative:
Hello, I have not been able to access my Coinbase account holding my bitcoin/XXXX pounds held there. 
It will not me log in despite knowing full well my password & e.mail details are correct. 

Upon pressing OK a pop up tells me that my account has been locked and visit Coinbase.com to resolve I have done so, they create a case number when you submit whereby you have no choice to select their drop box reasons as to the problem which therefore isnt specific to find out by themselves as to why my account has actually been locked in the first place. 
Upon submission of managing to loosely tell them that my account wont let me in I received a confirmation with as mentioned above, a case no. from them and a brief answer that says that they are looking into it and say they will be getting in touch with myself within 72hrs. 
I have since sent a day later a query regarding support about changing my password as it does mention about changing a password too. 
When you try to do this, you dont get that option ... .You receive this below : - PASTED BY MUSELF : - Coinbase Account Recovery Complete the following steps to recover your account. 
INFORMATION ID VERIFICATION OVERVIEW We have received your account recovery request. After reviewing it, your account changes should be active within 48-72 hours. 


With absolutely no direct contact with this company that has MY money in, then I aswell as the majority of people, would be annoyed surely? They have my money which as it stands right now is theft! 
I have not been given any reassurance from this company other than the Pasted attachment above. The reviews I have read say that they have waited well over a month for issues exactly the same and similar ones and STILL have had no response despite contacting them over and over!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

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 2020-05-26 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ; XXXX  and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I applied for a mortgage with Chase Bank because they promised me that they could close in 21 days or they would pay me {$2500.00} in cash. I fulfilled all of the conditions for this closing guarantee, yet the closing occurred a day late because Chase could not meet the 21-day schedule. When I asked for the {$2500.00} in cash, Chase informed me that they had changed the terms of the deal without telling me. Originally, the deal ( as disclosed to me by Chase ) was that I had to submit a loan application and completed purchase agreement 21 days before closing. Chase now says the 21 days are measured from the time they submit the paperwork to underwriting. This was never disclosed to me before closing, and I believe this is unfair to consumers who have no control over Chase 's internal processes. I demanded that Chase abide by the terms of the deal, but they have only been willing to refund me {$500.00}. Chase 's closing guarantee is deceptive and they should be forced to honor the deal they presented to me and upon which I relied to my detriment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
I sent the following letter to Caliber on XX/XX/XXXX without a reply. Prior to the letter I attempted to call customer support and was put on hold until the call was terminated. In addition, I sent 2 messages via the secure messaging system at Caliber 's website on XXXX and XX/XX/XXXX with no response prior to sending this letter. I have not received a reply to any of my communications. 

The extra payment has been partially credited to principal and it looks like partially held in escrow. My wish is to use the extra payment as an extra payment so I can skip one months payment rather than have it credited to principal and " cash '' XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX XX/XX/XXXX Caliber Home Loans , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX : loan XXXX Dear XXXX   XXXX, My loans have been double billed. 
My loan was sold to you. I made my payment for XXXX to you and my account was still debited by XXXX resulting in my paying twice for the month of XXXX. The loan numbers and amounts are as follows. 
XXXX {$1700.00} XXXX XXXX XXXX XXXX, XXXX XXXX Or XXXX This represents an over payment of {$1700.00} and as you can imagine is a hardship for me to bear this overpayment. I would like the extra payment to be applied to next months payment. I would like to skip my payment for one month and have the extra payment applied to XXXX. 
I contacted you twice via secure messaging at the Caliber website, with no reply.. 
RSVP Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have XXXX XXXX XXXX service. I read my 3 bureau credit report this morning, and then realized some information was incorrect on my transunion report. I followed TransUnion 's prompt to create an account in order to update my employer ( although I soon found out this isn't available online ). During the context of verifying my identification when creating an account, I shared my credit card information ( I thought this was similar to surrounding questions asking about past and current addresses, etc. ) I then received an email receipt saying that I had been charged {$24.00}, and would be charged {$2400.00} each month for a year -- {$27000.00} total, all for credit reporting!!! I immediately canceled and sought a pathway to reach a human to ask for my {$24.00} back ( {$27000.00} per year should be illegal! ) I called Transunion 's hotline, XXXX for 21 minutes and was given a number to call for subscription services, XXXX. This was a fake number! It's " not available in my area. '' Transunion is running a short grift trying to bankrupt Americans during a pandemic and they should be shut down

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 2020-05-26 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX ; XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

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 2020-05-26 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX ; Experian and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

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 2020-05-26 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously notified Equifax that I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ; XXXX and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

Company response to consumer: Closed with explanation