vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Walked into PNC bank branch in XXXX IL to deposit a check. Was interrogated as if I was performing fraud. Advised employee my check was legal and after further investigation it was deposited and I was told it would be " available '' to me within 3 days. After 3 days the check was placed on a 10 day hold and was unavailable to me. I reached out to customer service where I was talked to like a criminal again and ultimately hung up on because I was trying to get better understanding as to why I was treated this way. Calls are recorded and I'm extremely disappointed in this experience and looking forward to closing my account and exposing PNC for the low level business that it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I advised the company to stop calling me and place a cease and desist on my number, they have call multiple of times after that, i Also sent a debt validation letter stating they to validate the debt and all communication should be done through mail, and they are still calling harassing by phone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: GA

Complaint narrative:
I believe the reporting credit bureaus are in violation XXXX XXXX And Trans Union stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b

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 2022-04-27 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: GA

Complaint narrative:
I believe the reporting credit bureaus are in violation XXXX Experian And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b

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 2022-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I encountered problems with accessibility to my funds in my Wells Fargo Bank, after I made mobile deposits. 

Here are the details in chronological order. : 1 ) Monday XX/XX/XXXX, I transferred funds from my IRA at XXXX XXXX Bank, to my checking account at XXXX XXXX bank, in the amount of {$5000.00}. 
I have documentation to prove this. 
2 ) After doing so, I wrote a check for mobile deposit to my Wells Fargo Bank Account. It is dated XX/XX/22 on the check, and posted XX/XX/22 on the online banking app. When I was in the process of making the mobile deposit, the Wells Fargo website stated that part of the funds would be available, the next day. 
3 ) When the funds were not visible in my account, I contacted Wells Fargo, and they stated the check was being held for " verification and processing '' due to insufficient funds. They never explained what this meant. I told them funds were available, and that my XXXX XXXX Bank shows that the money has been withdrawn, therefore it must be in Wells Fargo custody. 
4 ) They told me that my funds would be available in one week, after " verification and processing ''. Not even part of the deposit would be available before that- in direct contradiction of what is quoted in the mobile deposit process. 
5 ) Today is XX/XX/22, XXXX days after all of this transpired, and my {$2000.00} is STILL not available. I was told it would not be available until XX/XX/22, which is in fact 9 days after the deposit posted in my account. 

I am on a limited income, due to retirement. I have bills to pay. Groceries to buy. I can not afford to have money sitting in Wells Fargo for over a week, growing interest for them, while I am waiting to be able to use MY money, that shows up daily in my daily balance, but that I am not able to access. 
This is an unethical business practice, and as I said, it conflicts with the information given during the mobile deposit process.

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 2022-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Closed a savings account on XX/XX/XXXX. The representative who closed the account told me a check would be overnighted. I've contacted them numerous times and spoke to many diff departments but they have not responded. The reps I spoke with do not know when the check would be issued nor when I would receive it. This is an unethical business practice in an effort to keep my money longer. They also stated I would not receive interest for the month of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I got 2 things on my Hard Inquires that I have no knowledge of the TJx and XXXX XXXX  account I know about only one in that's the XXXX me and my wife just open up account there. The other 2 I do not know about never been out of state and don't know about them places at all. So I'm looking to get them removed as soon as possible please and thanks.

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 2022-04-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a SunTrust XXXX HELOC in XX/XX/XXXX via online because of the favorable rates and terms from a promotional mailer I received. In XXXX of XXXX was the closing at a SunTrust Branch. In order to set a closing date I had to verbally approve the terms on the HELOC on a recorded line. During the recording I agreed to draw XXXX at 3.49 % for 10 years fixed. This was on the mailer I received as well. I knew that the first draw was a promotional 3.49 % that had to be a minimum of XXXX for 10 years. The issue of my complain is what I was told my fixed rate would be on " subsequent '' draws of a minimum of XXXX. This is important because I planned to use the funds to build a pool which at the time of the closing in XXXX was not needed for several months. I was told upon asking via the recorded line that my fixed rate for future draws would be 3.99 % as long as it was XXXX and it was for a period up to 15 years. This entire process was done online and over the telephone except for the closing which was at the SunTrust Branch. The banker informed me i was there just to sign and that her role was not to go over the rates and terms of the HELOC because that was done on a recorded line about a week prior. Fast forward to XX/XX/XXXX when I went to a now Truist Branch since they merged soon after closing on the HELOC in XXXX my fixed rate would be prime + 1.99 %. This information was not conveyed to me on the recorded line. I have since reached out to Truist asking for a transcript or copy of the recording and they have refused to provide me this. The recording, I know, will show that what i was told and what I am being offered now is extremely inconsistent.

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 2022-04-27 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: TX

Complaint narrative:
Transunion XXXX XXXX are reporting a XXXX XXXX  account showing incorrect info. Never have I had an account with them. 
XXXX {$510.00}

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 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I tried to withdrawal XXXX from my account and the teller told me I needed two pieces of identification. I had my passport and that was always enough information when I had withdrawal money before. I asked the employee to show me where in the rules and regulations it says I need two forms of identification to withdrawal over XXXX from my account. They pointed to a piece of paper taped to the glass. The piece of paper did not say I needed two pieces of ID or anything about XXXX dollars. I asked h where it said I needed two forms of ID and he basically told me to XXXX XXXX I called the bank and they escalated my complaint. It the complaint I said that the fact that the teller has descresion on whether to let people with an ID take money out or not is a discriminatory practice. It allows the teller to discriminate if they want to and have no repercussions. I never said I was being discriminated against. The response from the bank was that they decided I was not being discriminated against and the case was closed. When I called the number on the email it was just the general call center number. I tried to dispute the response and the said the case was closed and they could only open another complaint and that they did not even have access to the original complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE

Complaint narrative:
My name is XXXX XXXX and I applied to Lakeview Loaning which is my current mortgage company, to refinance my home. I've done extensive research on FHA refinancing with cash out and I discovered that the statement of denial from Lakeview Loaning Servicing LLC, explanation they provided was incorrect. This mortgage was purchased from XXXX a few years ago and there has never been a late mortgage payment submitted as of today 's date by XXXX XXXX. XX/XX/2022, we completed the application process Loan # XXXX, for refinancing with {$40000.00} cash out. For several months XXXX XXXX and XXXX XXXX submitted financial information, tax returns and several other pertinent information as requested. The next process was the Disclosure e-sign and document review which were signed in a timely matter and submitted, at this point the loan process moved to the next step which was the underwriting department along with scheduling an appraisal XX/XX/2022, for the property. All these steps were a false indicator on Lakeview Loaning Services, LLC 's behalf that the refinancing process would be finalized. 

XX/XX/2022, we received a statement of denial from the underwriting department stating FHA would not allow refinancing with cash out. THAT WAS NOT A TRUE STATEMENT. The information about FHA should have been disclosed prior to the application completion if it were true. I have contacted several mortgage brokers and companies that are processing FHA refinance loans with cash out. We have consulted with an attorney and we believe that Lakeview is using discriminatory practices based on race and is not an equal opportunity lender. 

Lastly, the appraisal scheduled was never canceled by your company, we contacted the XXXX today and he was surprised and unaware of the changes, which further proves there is deception on your Lakeview 's part. We will be filing a complaint with Consumer Financial Protection Bureau, media and other outlets. The public should be aware Lakeview Loaning Services, LLXXXX, has discriminatory practices and they will allow clients of XXXX to presume that their loan process will be approved and then Lakeview gives you untrue information as to why the loan could not be processed.

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX is a failure

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 2022-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I have received over four calls per day from Comenity Bank on several dates. I spoke with them today about violations to the FDCPA, which allows seven calls in seven days. They have called more times than this, as evidenced by my phone records, which I am happy to provide. When I spoke with them about the repeated call, the 'supervisor ' told me that there was no such restriction on calls in Wisconsin , only in Maryland and they were allowed to call me as much as they wanted. They were rude and aggressive and in clear violation of the allowable number of phone calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called Bank of America at XXXX XXXX XXXX to report unauthorized charges for several attempts of {$1200.00} and {$1000.00}. I complied and answered all questions asked by the agent. The total of my opened claim came to {$6000.00} on XX/XX/2022. On XX/XX/2022 I called the number again to check the status and request provisional credit because I need to pay bills. The agent escalated my claim because of hardship. Today, XX/XX/2022, I log on to check my claim status and its been denied, not paid. I am upset because this is a large amount of money. Please help.

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 2022-04-27 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: SC

Complaint narrative:
Someone was trying yo use my personal information without my consent! I've filed a identity theft report and will include below!

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 2022-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: KY

Complaint narrative:
My business : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX XXXX XXXX We contracted with greensky , llc. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX ( XXXX ) XXXX Our Account Executive : XXXX XXXX XXXX ( XXXX ) XXXX direct ( XXXX ) XXXX mobile We entered into contract with greensky to offer financing for our customers/homeowners. We are an XXXX  company and sell XXXX XXXX XXXX XXXX XXXX. We sell XXXX  equipment to homeonwers, and greensky finances the project. Greensky deposits the funds into our bank account less greensky 's fees. 
The fees are pre-negotiated and are contractual. 
Greensky is charging more in fees than we are signed up for, under contract for, obligated to. Greensky is ripping us as a business off.

Greensky is 100 % aware of this ; they know that they owe us a refund. We have yet to see the refund. 


On XX/XX/XXXX we accepted the rate sheet sent to us by XXXX XXXX. Our first sale was processed XX/XX/XXXX. We emailed our rep XX/XX/XXXX because the fees were incorrect. We have since processed another loan on XX/XX/XXXX. On XX/XX/XXXX we emailed our rep because we were charged more than what the fees were supposed to be, again. 

What has happened since we signed up for greensky 's lending program : XX/XX/XXXX greensky funded a loan, and the fee should have been 4.5 % ( plan XXXX ) or {$240.00}. We were charged {$500.00} ( 9.35 % ). Difference of {$260.00} that they owe us. 
XX/XX/XXXX greensky funded a loan, and the fee should have been 7.75 % {$550.00} ( plan XXXX ), but greensky charged {$940.00}, a difference of {$350.00} that they now owe us. 

I have attached the rate sheet of what we signed up for, and you can clearly see what the merchant fee ( cost to my business ) should be. I also attached our current rate sheet that shows all the plans that we offer and what the merchant fees are. 

As of the date of this complaint, we are owed a refund in over-charged fees of : {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: TN

Complaint narrative:
This company is constantly changing their policies without notifying their customers. Currently the only way to make a payment or review your account information is on their app. Ive been a customer for almost 2 years and was recently notified I need to verify my account again, all requested information was submitted and I still unable to access the app. I was told the turnaround time would be 5 days and it is been more than 2 weeks. I was reported as late a few months ago due to an issue with their app disconnecting from my bank account and not processing the auto pay. I do not want this issue to cause another late payment. I really need help with this, I have reached out via contact us links as well as on social media with no response. Upon further review of the comments on their XXXX profile, many people are having the same issues and we are all struggling with this company to be provided basic access to our accounts so we can take care of payments etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion allowed XXXX XXXX XXXX to place a XXXX XXXX XXXX expired judgment as a collection account on my credit report. This collection agency misled and misrepresent information to different reporting agencies such as XXXX, XXXX ). I have disputed with all agencies to remove this negative reporting from my profile which they have complied and removed the negative reporting using the court document I provided. This court document is also attached for your review. 
As of now, TransUnion has not remove it from my credit report.

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 2022-04-27 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: TX

Complaint narrative:
XXXX & Equifax are reporting a XXXX XXXX  account showing incorrect info. Never have I had an account with them. 
XXXX {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: GA

Complaint narrative:
The CARES Act and FCRA states ...... If you made an arrangement with a creditor, they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX until 120 days after the COVID-19 national emergency ends and at this time the covid XXXX pandemic is still active and in place. XXXX XXXX XXXX  for the months of****XXXX  and XX/XX/XXXX are reporting XXXX late payments to my credit report however I followed all steps of making a valid payment arrangement via the cares act with this company during the period. However the company is still reporting inaccurately to all XXXX of the national credit agencies I was current before and after that time also. The act states if you are current on payments and make special arrangements, creditors must report the account as current. 
Late and missed payments CAN NOT be reported if you have already made arrangements.

Company response to consumer: Closed with explanation