vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I went into a PNC branch in XXXX XXXXXXXX, PA to get a personal loan for debt consolidation. I personally was denied, which I expected, and due to the loan being a co-borrower loan, was told to come back with them and redo the application. 

When I came back I got a different employee and was told that there is no difference between a co-signer and a co-borrower loan. 

Because in this employee and branch managers mind, that there is no difference between these terms, they dont enter the information in in the correct order for their system. 

The first employee knew I needed to go second on the application ( EVEN THOUGH THIS IS A JOINT CREDIT APPLICATION for monthly responsibilities not just co-signed in case of default ) because PNC advises in this branch at least, there is no difference between these types of loans, which is factually not true, the application needs to be structured like a co-signer loan with the bad credit last. 

So a lack of basic financial knowledge from employees and the branch manager is causing people to not get loans they qualify for, and teaching uneducated consumers dangerous financial lies that there is no difference between co-signer and co-borrower. 

I dont care thst I didnt get the loan, its PNCs loss, but after being denied the loan due to them not understanding their system and basic financial terms they then suggested that Im pre-selected for a credit card while Im there for debt consolidation. 

So I question the intent of the denial and the legality of giving false financial advise as an accredited financial institution. 

Theyre structuring an application under one set of rules and handing you paperwork for another to mitigate their loan risks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My credit card ending in XXXX with Chase is overpaid by over {$3000.00}. I initially made a {$3000.00} dollar payment to XXXX XXXX in XXXX XXXX Florida for a down payment to car which I later returned. XXXX refunded the {$3000.00}. On the same day I made a payment to XXXX, I also made payment from my checking account in the amount of {$3500.00} to cover the payment to XXXX and any other balance on my card ( I usually keep a XXXX balance on my credit cards ). 
The result of the XXXX refund and my {$3500.00} resulted in a balance due me of over {$3000.00}. I called Chase, my credit card bank to request a refund back to my checking account. The supervisor assured me the refund I requested was going to be put back in my account ( {$3300.00} ). I was made aware to made aware today XXXX when I called Chase after a 50 minutes wait on the phone that the supervisor only requested a {$200.00} refund which has still not been processed instead of the {$3300.00} I requested. I was also told due to the mistake made by the other supervisor I will have to wait twice the time to receive my refund ( over {$3000.00} ) which is a negative balance due me from my card ending XXXX. I asked when the turn around time was and the supervisor told me that he does not know a turn around time. My question is, how come I am being punished to to Chase mistake of not initially processing the request I made correctly by holding money from my checking account? Secondly the money came from a Chase checking account which the credit card department can verify so what is their problem? By holding over {$3000.00} of my money are they going to pay interest?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/2022 I was asked by a friend to cash her Social Security check. The check was in the amount of {$750.00}. I had her sign check over and went to my local branch and deposited check into ATM as I do with all my deposits. The check was not made available ( did not clear ) for 7 days. Once cleared I withdrew cash and gave to my friend. 

on XX/XX/XXXX I called to check my balance and my account was negative over {$750.00}. I called the bank to see what happened and I was informed that this check was previously cashed by another bank and they had deducted funds from my account to cover. I immediately grabbed my friend and visited the branch office to speak with a manager. There was none on duty, however, the tellers proceeded to tell me this was my problem and nothing I could do. I asked for a copy of the cancelled check which I was given. On the back of this check there is no other evidence of a prior cashing activity. I was given the name of a XXXX bank that was the entity that cashed the check prior, but no further information was given. Since then I have spoken to a branch manager over the phone, and visited three different branch locations to attempt to get help with this issue. I was treated poorly and consistently told there was nothing I could do. 
I then decided to research the federal reserve laws on line and came across a law put into affect to aide in disputes from mobile and ATM deposits called the Check XXXX XXXX. this states that the initial bank did not make " known '' the check was cashed, therefore, they would be responsible for the duplicate cashing not me. I brought this to the attention of my bank and I was told to get a lawyer. I am not rich, can not afford a lawyer. My account remains negative for 24 days while I have tried to resolve this issue. I have incurred bounced checks and fees from my creditors as well as the through my bank itself. They are now proceeding with collections and collections calls. I have no information to report fraud, or make claim with police because no one will tell me anything. I would like all of my money back including all fees both with in account and from my creditors charging me bounced check fees. 

In my experience an check put on hold for 7 days is so it can be investigated that it is ; 1. a good check. 2. Has the funds available to pay!! Once it is " cleared '' it should be all set. Three months later with no prior notice, all of a sudden there's an issue. My bank could have taken a year to clear this check if they needed to. Once clear the customer ( me ) should be able to use those funds with out fear of later recourse and all because of technology and mobile deposits and ATM deposits. If the checks can not be verified they should not be accepted in this manner!!!! Please HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX u.s.c XXXX SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 
XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 


Sincerely 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 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to Privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX XXXX 
Account Number XXXX XXXX XXXX XXXX. 
Account Number 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 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX XXXX 
Account Number XXXX XXXX XXXX XXXX. 
Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: WI

Complaint narrative:
A collection agency, Jefferson Capitol System, is attempting to collect a debt on one account 3 times. I only have knowledge of one account through the cellular company who contracted them, and the cellular company has verified that I have only had one account with them. Jefferson Capitol System has made 3 separate entries on my credit report and they are refusing to delete 2 of them, through a dispute with the credit companies XXXX XXXX, XXXX, and XXXX ) making it impossible for me to contact them to verify that the debts are actually mine, and to pay them if they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXXk XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX, Account XXXX XXXX, Account # XXXXXXXX XXXX  XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-06-24 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I already submitted more than 40 complaints, as shown on the included print screen shots, with lots of verifiable evidence, in which is clearly seen XXXX XXXX, their new partner after selling their operations here in XXXX XXXX, called First Bank, as well as XXXX XXXX, 3 main banks, are incorrectly reporting my accounts with them as delinquent, charged off, not paid as agreed, no matter all that is simply false : They, as the original financial institutions which granted me the required credit and account, for credit cards, charge cards or personal loan, are precisely the original financial institution : None of them are an indepemdent collection agency, where accounts are sent when the customer does not respond by any means in order to try to collect the debts. Precisely that was not the case with any of this accounts as the verifiable evidence shows. But, no matter your agency shows the following : " On your side through lifes financial moments.

Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. '' The fact is, I never see anything like this statement shows from you, or the 3 Federal Courts system, or 3 main credit bureaus at all regarding all this, where I always presented evidence of clear violations against the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act, and this keeps leaving my credit applications denied and denied, again and again, showing deliquencies that are false, profit losses that are false, and just leaving us no choice than either find a co debtor for critical needs, or looking for financial institutions like XXXX XXXX, precisely owned by one of these Banks, First Bank, which could lend us the money BUT A TOO HIGH INTEREST RATE : HOW IS THAT NONE OF YOU HERE AT THE CFPB, OR THE FEDERAL COURTS, OR THE 3 MAIN CREDIT BUREUS ABLE TO CONNECT THIS IS THE REASON FOR THIS BANK FRAUDULENT REPORTS? PRECISELY, THEY JUST WANT TO JUSTIFY TO CHARGE A TOO HIGH INTEREST RATE, JUST TO SATISFY THEIR UNFAIR CAPITALIST AGENDA : THEY JUST WANT TO EARN MORE MONEY, NO MATTER AGAINST THE LAWS, THEY ARE PRESENTING THEMSELVES AS COLLECTION AGENCIES AT MY CREDIT REPORT AND THAT IS FALSE, I PAID DIRECTLY AND ONLY TO THEM WITHOUT LOSING CONTACT TO THE ORIGINAL INSTITUTIONS AND EVEN TO THE ORIGINAL ACCOUNT NUMBERS WITH ALL RECEIPTS TO PROVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
Hello I've been having problems with unauthorized charges and transfers to ppl I don't know I desputed theses transactions which were made in a different state than the one in which I reside cash app refunded most of the card transactions but for some reason made no mention of the {$1200.00}. Transfer that was included in the listing of unauthorized charges. When I complained about it they told me that the transaction was authorized! When It was made during the same time as the others The case number is XXXX they say it was made by me or someone authorized to use my account. But I don't have any other authorized users on My account! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX US Dept of EDXXXX XXXX Account XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX XXXX, Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 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 2022-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Markoff Law LLC
State: IL

Complaint narrative:
During XX/XX/2019 through XX/XX/2019 the company and I agreed on a court ordered document about the terms of the payment plan via email. This document has all the terms and amounts that were to be paid. It has been 3 years since this agreement has been signed and sent to the company for the Judge to honor. The company was recently contacted and they stated the debt owed is substantially more than what should be owed. What is currently owed is a little over XXXX dollars. This is appalling due to the fact that the original debt was only about XXXX and XXXX monthly payments have been made for the past 3 years. Per the company I did not sign the document and/or submit it to their possession, although there is proof that the document was signed and sent. Therefore, they added a 4 % interest rate to the debt owed without any communication or agreement. 

There is email proof that the document was requested on XX/XX/2019. The company sent the document on XX/XX/2019. The document was signed and emailed to the company 's representative in a timely fashion which was XX/XX/2019 before the court date on XX/XX/2019. There should be no interest rate applied since the document was signed and submitted into the possession of the company. The agreement they are imposing on myself is illegal and unethical by all means. I have tried to work with them numerous times to solve the problem and they instructed me to " seek counsel ''. 

I have asked for a full ledger of payments made, amount owed and where the money has went ( principal or interest ). They have yet to send it to myself and/or legal counsel. I will have those documents soon from them I believe, so once I receive them I can also give to you all as for further proof. I have attached the email thread ( s ) and court ordered contract/agreement that I signed and submitted to the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24 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 — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Genesis FS Card ServicesXXXX XXXX XXXX XXXX XXXX had a fraudulent charge on XX/XX/2022 from XXXX XXXX  ( Florida XXXX # XXXX for {$130.00}. I contacted Destiny and they canceled the card and issued a new one # XXXX. They assured me when the refund from the company came through it would go on my new card. They did not do that! When the refund came through on XX/XX/XXXX they refused it. I want my {$130.00}, they have been charging me interest on a fraudulent charge, so I want that back as well. I am a senior on a fixed income and can not be out {$130.00} for something I did not purchase or receive. When can I expect a result? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation