vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I responded to a promotional offer to apply for a PNC Cash Rewards Visa Credit Card. The offer was a {$200.00} cash bonus for a {$1000.00} spend within 3 billing cycles of account opening. I complied with all requirements. I have made multiple phone calls to the call center regarding non-receipt of this bonus. I have a dated/timed screenshot of the offer on the website. To date, I have not received the bonus, nor any satisfaction with plans to address. The only response has been we will file a compliant for you. I do have a screenshot available for your review as well credit card statements confirming my compliance with all offer requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC
State: WY

Complaint narrative:
Amerihome has been reporting to our credit incorrectly. They stated they did not receive a XX/XX/2018 payment and reported to our credit from XXXX to XXXX, when they sold our loan that we did not make payments. We faxed them our bank statement from XX/XX/2018 to XX/XX/2018 showing payment. They would not accept that paperwork and needed a transmittle from our bank showing the money was transferred and where it was transferred to. We had our bank fax the transmittle and contact Amerihome with us on a conference call to make sure this was received. They said they did see that the payment was made and would send it to an underwriter to have a letter issued for correction so we could refinance our home and be able.to have our credit report corrected. Amerihome will not write the letter with the explanation that they need to see what happened to the money on their end. I cant do anything about what they did with the money all I can show is it was paid and they will do nothing for me. This has been going on for 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: Lending Club Corp
State: GA

Complaint narrative:
Lending Club.com is reporting me delinquent. I have no knowledge of this account. I did apply for a loan with them a while back but they verbally told me I was denied as they needed additional information to verify my identity and they would contact me back ; I never heard back from Lending Club.com

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
It was on XX/XX/2018 and the charge me {$130.00} from XXXX XXXX XXXX company free phone free tablet it is a old account plus I have a XXXX I didn't know what i was doing back then I dont work at the moment can you please take that off my credit please and thank u I have too much hard credit on file at the moment I sent you something about a little bit more on my credit report.. please help me out thank u.

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 2019-05-22 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: EQUIFAX, INC.
State: AP

Complaint narrative:
Please know that I was not late sending my payemnts to ..I wonder why Equifax report it as late when in fact payments were sent before the due date..They wont give me concrete reason as to why they wont fix this..CFPB please step up and fix XXXX  XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX , XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Hello, I have a Business account with Paypal. I have been using Paypal for many years. I tried to get a Paypal Card Reader, and didnt hear anything, so I called paypal and the representative told me it was cause I listed XXXX XXXX  on my website ( Never Sold it on my website ), so the Paypal Rep told me to just put on the listing that ( Can't use Paypal to checkout with this item ). So I did as He told me, and then like 7 days later Paypal Suspended my account. I called and the Paypal Rep told me that is was cause of XXXX   listed on my account and AUP team was the only people who could get my account open again. So I emailed the AUP team and provided them with screenshots of emails I sent  saying I put the cant check out with paypal on my website and also a screenshot of the items listed, and never heard back from them, so after over 2 weeks I called Paypal again and the representative called someone in the AUP team and said they wont re-instate my account. The XXXX from XXXX is also XXXX and no XXXX and the 2018 Farm Bill made the product Legal in all 50 states. I have not violated their user agreement policy. I  also removed the XXXX listings from my website. So paypal is holding over {$7500.00} against my will, so stealing and using my money for their own benefit and making a profit by strong arming my money. REF : XXXX-XXXX-XXXX-XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA

Complaint narrative:
On my credit report from all three credit companies they are still showing accounts that are open when they should be closed and they are all have XXXX balance remaining to be paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2019 I have tried to Freeze my account with Equifax, which they have made it very difficult to do so even after I have provided multiple security questions to identify myself. I am also not able to log in to the online account to Freeze my account myself as the rep XXXX ID # XXXX stated he had unlock my account which I still could not login into. This is very unacceptable as I have tried several times with different reps to have my account frozen and been given the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: Experian Information Solutions Inc.
State: AP

Complaint narrative:
Please know that I was not late sending my payemnts to ..I wonder why Experian report it as late when in fact payments were sent before the due date..They wont give me concrete reason as to why they wont fix this..CFPB please step up and fix XXXX XXXX , XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-05-22 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: GA

Complaint narrative:
Transunion is reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see page 32 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: STERLING JEWELERS, INC.
State: MO

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, company calls me everyday at around XXXX MST and has now started calling family members at XXXX MST.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America offered mortgage loan with 10 % downpayment, during the loan final approval process they requested 20 % instead otherwise they would have canceled the loan when we agreed for the 20 % they did not change the rate which should have changed from 4 % to 3.75 % and continued to stall by asking for the same document multiple times, we had to extend the closing twice, and still have not giving final approval, it has been 5 weeks since they accepted the loan application. we want them to fund the closing this week otherwise we will lose the property.

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 2019-05-22 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I setup my LEASE PAYMENT account online with Chrystal Capital Financial since day one as AUTO-PAYMENT, & their setup clearly says PLAN END DATE : UNTIL CANCELLATION no other options, it is only one default option & I never canceled my auto payment either. 
But what happened is, Chrysler Financial stopped withdrawing my auto payment on their own on XX/XX/2019 & put it on my Delinquent credit as overdue late payment of {$99.00} on XX/XX/2019. 
So tried to reach them directly twice XX/XX/2019 & XX/XX/2019 so they fix their mistake & once thru the 3 credit bureau all on XX/XX/2019 but Chrysler Capital are not cooperating & always reply back with only 1 answer copied from their letter : We have investigated your dispute & verified the information provided to the National Credit Reporting Agencies is accurate. It is our policy to report all consumer accounts to the credit reporting agencies in a consistent & accurate manner, considering they dont accept phone calls or emails it is only mail to get in touch with them. 
Their report would be correct only if I setup my account for end date which not an option for me AS SHOWING ATTACHED, or I canceled it which I didnt do either, but I did my step until cancellation which should be end of my lease term ( 36 month ). But they did terminated my auto payment without notifying me so I pay on time, also they said the auto pay is only 24 month but my lease is 36 month & their website doesnt show any warning or notification clearing it is only 24 month auto payment Attached is a screen capture for Chrysler Capital website demonstrating the steps setting the auto payment proofing no warning of the 24 month ending but stating UNTIL CANCELLATION so it is not my fault & I didnt overdue my payment, but they didnt withdraw the payment & terminated my auto payment on their own. If they didnt stop my auto payment without warning or notifying me it would be posted on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: MO

Complaint narrative:
XX/XX/19 I contacted XXXX XXXX XXXX regarding 4 inquires on my credit report that were processed within a 30-day period by the same company. I was directed to contact XXXX XXXX   to ask them to remove the unnecessary inquiries that resulted to their clerical error. I contacted XXXX XXXX  on XX/XX/19 via telephone and on XX/XX/19, XX/XX/19 and XX/XX/19 via email to the Vice President XXXX XXXX and Assistant Vice President XXXX XXXX. Both individuals have refused to address my concern about their companies excessive inquiries. I did not authorize this company to run my credit 4 times within a 30-day period. I feel this company has discriminated against me by running my credit 4 times without a valid reason. My credit report did not change within that time frame and this is not typical in the mortgage industry with the exception of minorities applying for mortgages. I have requested the company to remove the extra inquiries from my credit report as they only needed to review my credit once to determine if I qualified for a mortgage loan. They have refused to remove the additional inquiries or provide an explanation as to why they needed to review my credit 4 times within 30 days. TransUnion and XXXX  have also refused to address the issue stating I need to resolve it with the company that ran my credit. This practice against MINORITY applicants must stop!

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 2019-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: NJ

Complaint narrative:
Dear CFPB Officer I am reaching out to you after one year of hardship and harassment my family has been going through after starting a XXXX-FHA HUD whole home renovation loan. My family includes XXXX small children and my wife. We have been living in the corner of our basement since last year ( XX/XX/XXXX ) as a result of contractor fraud and lender irresponsibility. Everybody including myself in the family got sick several times as we live in the cold and unhealthy living conditions while paying $ XXXX monthly mortgage to the lender. This mortgage includes the money ( $ XXXX ) held by the lender on which I have no control. Two contractors played fraud and got away with the money they wanted. 
Our house is a XXXX built old ranch, we bought in XXXX as our dream home. Hurricane Irene and hurricane Sandy took a toll on us but through hard work and doing multiple jobs we maintained the house to the best of our ability. In XXXX during recession we got some hardship-money from NJ State home finance and we had to pay back fully to XXXX ( NJhousing.gov ) to get the current loan. Even though this was not a cash-out loan XXXX insisted to pay back the full amount so we had to add XXXX to the loan to get the XXXX Renovation loan that made out total mortgage to {$620000.00}. XXXX didn't give us any receipt of receiving that money nor gave us any discharge letter. Now the lender ( Guaranteed Rate Inc ) is holding all the loan amount we received for the renovation and receiving the interest rate for the money I never used and we are paying mortgage for a house we do not live in. The project was supposed to be completed by XXXX of last year but didn't happen due to contractor fraud. The lender holds the money and releases money only to the contractor. We already paid {$46000.00} as mortgage since last XX/XX/XXXX for the money lender is holding. Until today we have no house to live in, we still live in the cold basement. 
Please do the needful to give us justice. 
Yours Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: TN

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am XXXX days past due on the XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: AP

Complaint narrative:
Please know that I was not late sending my payemnts to ..I wonder why Transunion report it as late when in fact payments were sent before the due date..They wont give me concrete reason as to why they wont fix this..CFPB please step up and fix 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 2019-05-22 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: TN

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 60 days past due on the XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the  attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On about XX/XX/2019 I opened two custodial accounts for my daughters ( minors ) with two checks from their great aunt dated XX/XX/2019. The checks were drawn on XXXX XXXX for {$15000.00} each which intentionally is the annual exclusion amount for 2019 as this was part of her estate planning. 
While both checks cleared from XXXX XXXX, Chase Bank decided that one of them was fraudulent, closed the account without notifying me, and I've been fighting with them for four months to get my daughter 's money back from them. It is currently held by them and was not returned to XXXX. 
Originally they asked that the donor call them but she was in failing health in a nursing home so we sent them the authorization from her Power of Attorney which they said would work. The donor XXXX in XXXX and now they want the executor to drive several hours from his home in XXXX to a chase bank in Ohio to prove he is executor and indicate the check is not fraudulent. I believe any reasonable person would find this unacceptable. 
Facts around the issue and expectation : The check cleared the XXXX XXXX account in XXXX of 2019 as did several others for the same amount and this is the only one with a problem. Chase had two accounts opened and funded by the same XXXX account, signed by the same holder, on the same day and neither one was returned by XXXX. Both checks were for the unified annual exclusion amount of {$15000.00}. At some point common sense should indicate their flagging this check as fraudulent was in error and they should give my daughter back her money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8 and 9 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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