vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC, at their discretion, will make a decision on whether or not they want to have a transaction go thru at a charge of {$36.00}. That I understand, however, I am not understanding why they STILL charge me {$36.00} if they do not allow for a transaction to go thru. They will make it appear as if they are actually going to cover it and then a few days later, reverse it to not cover and then charge {$36.00}. That is totally not right as well as false information that they are giving us. Not only that, you CAN NOT send a XXXX without having the money in your account. I use XXXX primarily to send money from PNC to my other checking account. How in the world are they charging me {$36.00} in overdraft fees for sending XXXX payments all because their checks and balances are not set up correctly in their system is beyond me. When I requested my fees back, I was told they could not even though the agent agreed with me that yes, that is not correct for them to do. I also did not ask for PNC to give me a credit due to COVID. That in itself is throwing off their checks and balances as well, which the agent acknowledged. Then having the nerve to charge me an overdraft fee for money I didn't even ask for if it overdraws my account! I wasn't even given an option to opt out of it! Finally, I have been monitoring my account to see how far of an extent they are going with their shenanigans. I took overdraft protection off so that my card would decline any transactions that would not be able to be covered, and yet again, they allowed something to go thru and this time a transaction that they denied and charged me for from before! It's ridiculous!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27 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: T.S. Holdings
State: CO

Complaint narrative:
XX/XX/2019 I moved out of an apartment complex because my husband and I purchased a home. Recently, I was notified that I owed more than $ XXXX for charges related to the canceled lease and they were grossly misrepresented and inflated. I contacted an attorney and tried to resolve the issue with the collection company but they have not responded back. All claims made by the apartment complex is not only false but they are attempting to ruin my credit and my mother who co-signed as retaliation for the disputed charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Getting very frustrated about this whole situation already. Clearly abuse of the system with failure to verify a bankruptcy. Which I have already disputed and put in a complaint on XX/XX/21 # XXXX where it was attached and confirmed that it would be removed. 

But Transunion and XXXX are still reporting this account and stating it is verified Attached will show the copy of the complaints and responses I still have gotten and updated file from XXXX XXXX either since I requested with the information I sent by mail. 

I disputed, asked them to investigate and give me the source of the information and kept running me in circles asking for another disclosure here and just saying it was verified and not providing any information and anytime I asked they would say they needed another disclosure. 

I want a full revised report sent to me from XXXX XXXX. I want them to send the removal notice to TransUnion and XXXX to delete these items. 

Transunion has not responded to a single dispute and keep giving me run arounds. This is completely unacceptable. It is my right per the FCRA to properly investigate items within a reasonable timeframe or remove it. 

Now how are they investigating items if I have a paper saying it was removed from my file but still almost 2 months later it is still listed. 

Before anyone get this complaint and claims to be unable to help due to verification please look at the attached items where my " CURRENT DRIVERS LICENSE WITH ADDRESS IS INCLUDED, SOCIAL SECURITY CARD AND A COPY OF A RECENT BANK STATEMENT. ''

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 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Getting very frustrated about this whole situation already. Clearly abuse of the system with failure to verify a bankruptcy. Which I have already disputed and put in a complaint on XX/XX/21 # XXXX where it was attached and confirmed that it would be removed. 

But XXXX  and Equifax are still reporting this account and stating it is verified Attached will show the copy of the complaints and responses I still have gotten and updated file from XXXX XXXX either since I requested with the information I sent by mail. 

I disputed, asked them to investigate and give me the source of the information and kept running me in circles asking for another disclosure here and just saying it was verified and not providing any information and anytime I asked they would say they needed another disclosure. 

I want a full revised report sent to me from XXXX XXXX. I want them to send the removal notice to XXXX  and Equifax to delete these items. 

XXXX  has not responded to a single dispute and keep giving me run arounds. This is completely unacceptable. It is my right per the FCRA to properly investigate items within a reasonable timeframe or remove it. 

Now how are they investigating items if I have a paper saying it was removed from my file but still almost 2 months later it is still listed. 

Before anyone get this complaint and claims to be unable to help due to verification please look at the attached items where my " CURRENT DRIVERS LICENSE WITH ADDRESS IS INCLUDED, SOCIAL SECURITY CARD AND A COPY OF A RECENT BANK STATEMENT. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am not sure which department I need to speak with. My mortgage is with Wells Fargo they have made a mistake and put deferred for a full year I went to look at my credit score and seen it on there on my account that messed with my credit score and plus I am trying to refinance my house. Even though I have proof a letter from Wells Fargo that my payments been on time and not late should had not should deferred because thats something I never agreed too. How do I go by this that it need to be clear to tell credit beaus as well. I have spoken with over 5 people at Wells Fargo giving me the run around and different answers to the solution. Yes they sent a letter showing the removed it but this should had never been done it the first place.

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 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I have a Checking and Saving account with the Chase Bank since last year and I get my pay every week in my checking account. I have submitted the request for home loan with Chase Bank more than 45 days ago and after verifying all the information such as credit score, social security information and other relevant information, Chase Bank issued a Pre Qualification on XX/XX/XXXX. 

Later on for further processing in order to proceed for the closing, I had submitted all the documents such as XXXX, all my legal documents ( Employment Authorization Document-EAD, Document of notice of action XXXX ) issued by USCIS, my Driving license issued by Kentucky, W2 forms of XXXX and XXXX, Tax return statements of XXXX and XXXX, information for the employment verification, bank statements of XXXX XXXX  and Chase bank which showed the funds available for down payment, closing and I have the funds more than the required amount. 

Chase Bank sent me the Closing Disclosures on XX/XX/XXXX and the closing date was scheduled to be on XX/XX/XXXX but it was delayed. 

But now, when almost everything is ready such as Condo inspection completed, the title documents were prepared, Condominium insurance, home appliances warranty and almost everything was prepared and were just for the new closing date. The seller too cooperated for the extension of the closing date. 

I was surprised when I came to know from the Chase Bank that I was not eligible for the loan approval as per the recommendation of the underwriting team. The reason for denying my mortgage loan is that I do not have a Permanent Residence status ( Green Card ) and I have the category of XXXX in my EAD ( Employment Authorization Documents ). I told them that I am in que to get my Green Card and it will take time. 

They would have done this verification for eligibility as the first step in the beginning, prior to issuing the Pre Qualification letter, Conditional approval and the Closing disclosures. They have wasted a lot of my time ( more than 45 days ) giving a false hope of approving the mortgage loan. I have missed other options available for me at that time. I am wondering at their immature system of working. 

I am a legal resident of USA and I have all the legal documents issued by USCIS. I have filed my tax returns for the years XXXX and XXXX and I have submitted all those documents. 

Even though my category in my Employment authorization is XXXX, I am still eligible for the mortgage loan. The Mortgage report says that a foreigner with valid EAD is still eligible for Mortgage ( XXXX XXXX XXXXXXXX ) whereas the decision of the underwriting team of Chase Bank is contradictory. 
I am in stressful situation at this last moment and I have spent money for the Condo inspection ( {$300.00} ), paid the services charges to my realtor company ( {$300.00} ) and even the Chase Bank charged {$500.00} towards the mortgage processing fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I called XXXX  to understand why my credit was again lowered, 2 years after what they thought was a missed lease closure payment ( it was settled 2 months later ). 
XXXX sent the correction at the time. But it was not recorded nor it brought to a raise back then. Now, 2 years later, it brought to one more hit on my credit score, which is costing me a higher mortgage refinancing rate proposed by my bank. 
My problem is even more general : the fact that I pay ( and paid for the last decades ) religiously, monthly bills for a total of more than {$5000.00} ( closer to XXXX these days ), does not map with the heavy score lowering for a few XXXX bucks ( from the high 700 to the high 600 at the time, low 700 these days ). 
The impression ( and complaint ) is that there is a credit bureau and banking system credit scoring cartel, to artificially lower the purchasing power of the middle class. 
There are thousands of credit score algorithms, whose formulas are well hidden, but every single one of them gives an exorbitant importance to late payment, independently of its size.

From a logical point of view, this would push the cost of ( fewer ) large sums unpaid, on the ( larger number of ) small sums unpaid. 
Nobody in the Credit Bureaus hierarchies ( I talked all the way up to a VP ) could explain any detail of the algorithm principles, as it's considered " automatic ''. 
But it's easy to reverse engineer the principles I delineated above. 
I have ( or can procure ) supporting documentation to prove payments and credit reports to show the impact, but I will provide it only upon request. 
Thank you and have a great day

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 2021-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have had a credit card with Chase XXXX  since XXXX. They were to email me bills which they never did. I had a charge on my account that I paid the balance for when they contacted me. They said they would waive the late fee. I received another call from them at such time they said I owed a late fee on the late fee. I told them the first late fee was credited. They still never sent me any paper bills or emails for any balances owing. I was sent a notice a late fee was charged for {$28.00}. When I called them they were going to have a supervisor call me back, no one ever did. I closed the account at that time because I do not want to have any further association with this company. I received another letter XX/XX/XXXX that stated my account had been credited and I would see it reflected on my next statment. I then recevied another notice on XX/XX/XXXX that stated I owed {$61.00}. I called them XX/XX/XXXX and they said I now owe over {$200.00}. I feel like they are scamming me and I need someone to help me get this resolved. If I keep giving them money how can I make sure they won't keep asking for more?!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I SENT OFF LETTERS ON XX/XX/2021, TO THE CRA 'S ( XXXX, EQUIFAX, XXXX  ) ABOUT NEGATIVE ITEMS THEY ARE REPORTING ON MY CREDIT PROFILE. THE INACCURATE INFORMATION, INCLUDING MY NAME AND ADDRESS HAS NOT BEEN VERIFIED TO ME AND ITS CONTINUE TO BE POSTED KEEPING ME FROM OBTAINING CREDIT. I HAVE ATTACHED COPIES BELOW FOR MY RECORDS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: GA

Complaint narrative:
On XX/XX/2020 I sent documentation that I had been a victim of identity theft and noticed some unauthorized inquiries and accounts on my report. I was told by the Rep to mail a FTC report with a copy of my identification and ss card with a list of the inquiries. I has been 60 days with no reponse from the bureau but according to the FTC website it states identity theft should be processed within 5 business days from receipt of documentation. I have the tracking number from where I sent documentation tracking number XXXX and I have heard nothing from the bureaus. This is a violation and these items must be deleted.

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 2021-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I had a car accident XX/XX/2020 and the car was a total lost. I had full coverage with XXXX XXXX and XXXX XXXX XXXX insurance. I made my payments on time before the accident.. The insurance companies should be held accountable. The car loan balance should have been paid off in full in a timely manner between the two insurance companies without damaging my credit. I was not aware the insurance companies did not payoff the total debt as expected. I immediately reported the accident to both insurance. I found out later that the loan was not taken care of by the insurance companies according to my contract. I reported the issue to XXXX  the dealership where I purchase the car.. XXXX agreed with me and contacted XXXX XXXX and the loan balance was paid in full.. I am in distressed that this information have been included in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the information reported is completely in accurate and correct. The following information therefore needs to be re-investigated. I demand to see verifiable proof an ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase Bank charged me {$66.00} in interest. This charged appeared on my XX/XX/2021 to XX/XX/2021 statement. I called them on XX/XX/2021 and asked why I was charged {$66.00} in interest. I told the representative that I always pay my balance in full every month. The representative was from outside the United States and could not or would not tell me exactly why Chase Bank charged me. I reapeated over an over this question and also tried asking in different ways why I was being charged. Over an over the representative could not or would not explain exactly why I was charged {$66.00}. 

I then just asked the representative to reverse this interest charge. He refused and said the bank has a policy to refuse request 's to waive interest. 

I am disputing this charge entirely. I pay my entire legitimate balance every month so I should not have any interest charges. 

Please investigate my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: Paramount Capital Group, Inc.
State: NJ

Complaint narrative:
There are inconsistencies in the reporting to my credit report. XXXX  and XXXX  are reporting the account as charged off, however XXXX  is reporting the account as an unpaid balance. The balance is not consistent across all thee bureaus as well ( XXXX reporting {$10000.00}. XXXX is reporting {$11000.00} and XXXX is reporting {$11000.00} ). If an account is charged off, it is no longer a part of my monthly responsibilities. Reporting a monthly payment is a violation. FCRA requires that you are consistent across the board with your reporting, and I am showing that you are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
In early XXXX I began the process of refinancing my mortgage. The old mortgage company, Zions Bank, confirmed that they received funds and marked the loan as paid in full on XX/XX/XXXX. The old mortgage had a positive escrow balance in excess of {$8500.00} that needs to be returned. As of today, XX/XX/XXXX, I still have not received the refund for the funds held in escrow. After speaking to the mortgage company onXX/XX/, 30 days after they were fully paid off, I was told by them that they prepare a check for the refund at 20 days after the loan is paid off. They said that they need 16 days for the check to be received by me. They have not told me how much the refund is only that they mailed it on XX/XX/XXXX. After I mentioned the CFR regulation that I believe applied in this instance and which they did not appear to be compliant with, I asked them to escalate the matter and to put me in touch with their legal department to inquire why the refund had not yet been provided. They had a customer service person contact me onXX/XX/21instead of someone who could address my specific inquiry but he said that refunds were not his department and he would have to ask that the matter be escalated and would get back to me soon. 


From what I can tell by reviewing information on your site, 12 CFR 1024.34 mandates that the refund should have been returned within 20 days. It was not. I contacted the bank and asked them to speed up the process or deliver the funds by directly depositing them into the account that they required me to set up at the bank to allow for automatic payment. They say they are unable to transfer the money and can not wire it either. It appears as though the bank is trying to use my money as long as possible before returning it. Even the notion that I should expect 16 days from the time they mail a check until I receive it is preposterous. The bank does not give me the option to make my mortgage payment 16 days after its due date to account for mailing time and it should not be afforded that additional time either.

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