vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: NH

Complaint narrative:
I have a New servicer " PNC Mortgage '' recently servicing my loan. I read a Law that says " an automatic cancellation of PMI '' would be triggered if my mortgage pricipal balance drops to 78 % of my original principal balance. Currently my principal balance dropped to 76 % below 78 % required to automatically cancelled my PMI. I called PNC mortgageXXXX and they are asking me to reappraise the property again even though since I bought the property 2 years ago ( XX/XX/XXXX ) real estate prices went steadily up in the 3 % range in the XXXX XXXX AREA and PNC mortgage wants me to reappraise the property and wants me to pay them {$XXXX} check up front and it is their appraisal who would appraise the property and I do not have a choice. 
For my mortgage INFO : Original appraised value at the time of closing ( XX/XX/XXXX ) :XXXX Money I have put down:5 % Mortgage principal balance at the time of closing:XXXX Current Mortgage balance as of ( XX/XX/XXXX ) :XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: FL

Complaint narrative:
As the company clearly states in its XX/XX/XXXX response to my previous complaint, on the call from XXXX XXXX, 2017 with the company 's lending department, the specialist from the company advised me that I was unable to submit a balance transfer until I received my card. That is why I paid down my balances on my XXXX cards. I was led to believe by the specialist that the balance transfers were not complete because I had to wait until I received my card to submit a balance transfer. The company is expressly admitting this in its response. I again ask that Chase reimburse my transfer fees since the lending specialist clearly told me that a balance transfer could not be submitted before I received my card. Only reason why I paid down my XXXX balances and I am now stuck with XXXX dollars in fees for transfers that were not needed. I respectfully ask the CFPB to require Chase to reimburse me for the fees, now that they have expressly admitted that they provided conflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We closed this file XXXX XXXX according to my approval letter I had to send the HUD 72 hrs prior to closing. I had no task in equator so on XXXX XXXX I emailed him the HUD for approval ( feel free to check equator to verify all of this ). Tues he sent me a task and I uploaded the documents. On Weds the XXXX I spoke to XXXX and let him know that I was concerned because closing was scheduled for the XXXX and I still did not get an approval ( again I emailed it the XXXX ) He said he would work on getting it to me before closing. I call XXXX on the XXXX 3 times and I could only talk to his collegues. If I did not close the XXXX the approval letter was going to expire. I also left XXXX a voicemail. I emailed him all the closing documents no response. Now we are on XX/XX/XXXXand the funds are rejected because we did not have HUD approval. Can someone please show me where the HUD approval is? Since XXXX XXXX I go no HUD approval. Regardless now the title is transfer. XXXX XXXX no longer owes the house and you rejected his funds so now everyone is at risk on being sued. Let me know how we can fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
i made the following complaint with CFPB earlier. responding to the complaint, american express credited me half of the charge i am disputing. they gave me credit of {$150.00}. but left the second charge of {$160.00}. 
i brought 3 tickets on XX/XX/XXXX, the airline charged me 6 charges for the 3 tickets brought, separate charge for each way ticket, so 2 charges for 1 ticket. so each ticket was {$330.00}, agent charged {$44.00} commission separately for all 3 tickets. 

american express is saying that the whole ticket was only for {$150.00}. 

XXXX XXXX - XXXX, CA {$44.00} XX/XX/XXXX XXXX - XXXX XXXX, FL XX/XX/XXXX XXXX - XXXX XXXX, FL {$160.00} XXXX - XXXX XXXX, FL XX/XX/XXXX XXXX - XXXX XXXX, FL {$160.00} XXXX - XXXX XXXX, FL XX/XX/XXXX XXXX - XXXX XXXX, FL {$160.00} XXXX XXXX XXXX XXXX XXXX - XXXX, GA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, GA {$150.00} XXXX XXXX XXXX XXXX XXXX - XXXX, GA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, GA {$150.00} XXXX XXXX XXXX XXXX XXXX - XXXX, GA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, GA {$150.00} XXXX - XXXX, MA XX/XX/XXXX I brought a XXXX XXXX airline ticket using my American express credit card for my dad. on the departure day, we went to the airport so my dad can take his flight. but the airline refused to issue him a boarding pass and never let him take the flight. so he could not use his tickets. I reached out to American express to resolve the dispute and get my money back. American express asked me to provide a written explanation of event and what happened. I provided the written letter 3 times now to the American express but every time, American express close my case without resolving it telling me that I never provided the written letter. every time I upload the docs to American express site, I reach out to American express and verified that they did received my letter. now after 4 months, the issue has still not been resolved and I am being billed again.
there were multiple disputes opened by american express because of multiple charges. one dispute is for part payment resolved and credited, but second dispute for part of payment is closed without any resolution. please also resolve the second charge. 

attached is the ticket copy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-01 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:
Pursuant to new CRA guidelines public records in the form of tax liens should possess the following information DOB and/or SSN. This information is not being accurately reported on my credit report and is therefore out of compliance. I would like for this tax lien dated XXXX/2016 to be deleted from my file. I have disputed this at least ( 4 ) times. Attached is a copy of the tax which clearly shows the tax lien does n't reflect my SSN or DOB.

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 2017-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX, I received an offer of 1.99 % promotional APR on balance transfers until XX/XX/XXXX. I took the advantages to advance {$3700.00} and {$3500.00} on XX/XX/XXXX after paying a balance transfer fee of 2 %. 

Minimum payment was debited from my checking account on due date every month. In addition, I pay for all the new purchases before each due date. However, Chase Bank keeps charging me high interest rate on my purchases, I called twice to ask for an explanation. They told me that whenever I used my card for purchases, interests would be applied because the system was not set up to tell whether the payments were for the new purchases or towards the cash advance. I was advised to pay off the entire amount or not to use the credit card at all. 

Since I have prepaid the 2 % transfer fees, it is not fair for me to pay off the entire amount before XX/XX/XXXX. I have quit using this credit card in the last two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRST HERITAGE CREDIT LLC
State: TN

Complaint narrative:
The company First Heritage Company, garnished my wages at my previous employment for a period 6 months. The garnishment was satisfied and I got the account removed from my credit report. They are attempting to re-garnishment my wages, without properly notifying me nor sending me any sort of statement of what is owed if the balance was not satisfied. This company is located in XXXX, Tennessee. I have located the county clerk office who will be giving me a copy of my garnishment paperwork showing the judgment has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Back on XXXX/XXXX/XXXX my realtor received an offer on my home, and we emailed the offer, third party authorization, buyer proof of funds and the preliminary HUD to the lender for review to postpone the foreclosure sale. Me, my realtor and my realtors assistant have phoned the lender everyday this week to check the status and to do a formal request to postpone the foreclosure sale and the lender has continuously informed us that they did not receive the email which the email address is XXXXXXXXXXXX and XXXXXXXXXXXX. 
Then when I phoned today, they stated that they have the documents but they will need more time to review the documents, and I do not have more time. The foreclosure sale is Tuesday, XXXX XXXX, XXXX @ XXXX. The lender has been XXXX around with me and my realtor for two weeks now, and this is simply unreasonable and I am desperate for help and trying as hard as I can to make this work, and I feel as if the lender is not assisting me with the foreclosure postponement. I understand that the lender did not put me in this situation, but they are not doing what the government says a lender should do to provide foreclosure alternatives to me as a homeowner either. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX - American Express charged me {$190.00} for an annual fee after specifically stating there is no fee via the webpage " ANNUAL FEE The annual fee for The Premier Rewards Gold Card is {$0.00} for the Basic Card and {$0.00} for up to 5 Additional Cards. The annual fee for the sixth or more Additional Card is {$35.00} for each Card. '' is listed for Rates & Fees but the link is broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I do not recognize nor did I authorize the following inquiries to be made : XXXX XXXX XXXX, 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 2017-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: NV

Complaint narrative:
Key Bank charged me an over draft fee on a day when more money was deposited than was withdrawn, because they " processed '' the deposit after the withdraws, even know there website clearly shows the deposits being processed first then the withdraws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX, I tried to access my online banking services with Citibank. I found that the system would not allow me access and merely stated that I should try to access the site later due to : " Technical Difficulties ''. 

I tried again to access my online banking on XXXX in the morning and again in the evening to access online banking and received the same message to try again later due to " Technical Difficulties ''. 

On XXXX, after receiving the same message I called directly to the Citibank customer assistance and tried repeatedly to access the online services with a banking representative, after several repeated failures due to " Technical Difficulties '' - the representative consented to forward my call to a Supervisor. 

I worked for another thirty minutes with the Supervisor every step of the way and she finally admitted that Citibank is indeed experiencing " Technical Difficulties '' with online banking - especially relating to resetting password access. XXXX stated that the problem has existed since XX/XX/XXXX and has not yet been resolved. I called today ( XX/XX/XXXX ) and the banking representative again confirmed that the " Technical Difficulties '' have not yet been resolved. 

At present - there is NO statement on any webpage from Citibank, or disclosure regarding this breakdown in their ability to deliver services. While the Supervisor at Citibank says she recorded my complaint, and added my call to their trouble ticket, I am also deeply concerned by the lack of disclosure to the public and Citibank customers specifically about this extended failure in their services.

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 2017-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted to the CFPB a complaint to regards a missing check disbursed by Dovenmuehle. the compliant number was XXXX The company responded on XX/XX/XXXX and the response is attached to this complaint. However an important attachment cited in the response is not included and thus I deem the response incomplete. I need to see the copy of the check XXXX front and back ). Dovenmuehle should also disclose where this check was deposited as I have never received nor cashed a check from Dovenmuehle and believe the burden of proof is on their side. 

Additionally our new servicer XXXX XXXX loans have informed us no such analysis was included in the documents they received. 

I wish to have a copy of the escrow analysis they said they completed and a reason for why they believed there was an overage in the account given at this point no property taxes had been paid out and thus any disbursement would leave the account short. this shortfall has created ramifications in the mortgage payments and was never authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I purchased a car for about {$14000.00} almost 4 years ago.I gave XXXX down payment and I 've made my payments of {$380.00} each month, sometimes more and three years later my balance is still {$14000.00}. When I try to ask questions I can barely understand them and they said it is because I made a few late payments. I need file a suit against them. Does anyone know what steps I can take against them. Is what they are doing legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I was subjected to deceptive trade practices. I explained the situation in great detail and submitted evidence that the company was not following industry standards. 

Chase treated my inquiry as a billing error instead of deceptive trade practices prohibited by Virginia state law and proceeded to resolve the issue with the deception ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: NV

Complaint narrative:
I am filling this complaint because Transunion has ignored my request to provide me with the documents that their company has on file the was used to verify the BK I disputed and 3 other accounts, being that they have now gone past the 30 days and can not verify this information on my credit report, I understand under Section 611 ( 5 ) ( A ) of the FCRA, they are required by law to provide me with documentation of this information or they must delete all information promptly. They have not sent me proof of how this BK, XXXX/XXXX, XXXX and XXXX XXXX XXXX XXXX was verified that I have disputed many times. I contacted the court to get the information they said they have and could not be obtained. Please help me resolve this matter as soon as possible. As you can see on my current credit report, there is no such date. The information is false and must be removed. 

Transunion 1. Bankrutcy Case Number XXXX 2. XXXX Account Number XXXX 3.  XXXX Account Number XXXX 4. 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 explanation
Consumer complaint received 2017-09-01 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I do not recognize nor did I authorize the following inquiries to be made : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXExeter Fin XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize nor did I authorize the following inquiries to be made : XXXX XX/XX/XXXX Equifax Mtg XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I do not recognize nor did I authorize the following inquiries to be made : Cap One XX/XX/XXXX Cap One XX/XX/XXXX Cap One XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I do not recognize nor did I authorize the following inquiries to be made : Usaa Fsb Cc XX/XX/XXXX Usaa Fsb Cc XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: TX

Complaint narrative:
I do not recognize nor did I authorize the following inquiries to be made : XXXX/XXXX XX/XX/XXXX XXXX XX/XX/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 2017-09-01 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I do not recognize nor did I authorize the following inquiries to be made : Wells Fargo Dealer S XXXX XXXX, 2016

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