vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On  XXXX   XXXX ,  XXXX  we inquired about opening a business checking account at  PNC Bank   XXXX , VA branch. The loan officer,  XXXX   XXXX  took down our information. We did not yet have the completed operating agreement from our attorney and we stated as such. She proceeded to open the account anyway and then harass us for the documents ( presumably because she should n't have opened it without  them ). U pon receiving them, we forwarded to the bank and I called and spoke with the  manager  around the unprofessional nature and questionable actions taken by  XXXX  including missing debit cards, mis-handled personal information written in a notebook etc.  Subsequently  on  XXXX   XXXX ,  XXXX  I noticed a series of fees and then a change to our account. Upon calling PNC customer service, I found out that the account had been converted to a different type of account without my consent. In the discussion, it became clear the account had been opened in an account type that was sure to incur fees past the initial period based on our intended use. It was never discussed with us that we were not being put into the base account. I raised the question with the representative if  XXXX  might have been incented to open the higher account type at the time, and then went in and adjusted the account when it started earning fees, without notification to me as the account holder. At this question, the issue was escalated. I was put in touch with  XXXX   XXXX  in Executive Client Relations Case Reference :  XXXX . I spoke with  XXXX   XXXX  and relayed the actions and my concerns. I never heard back regarding my complaint. I followed up with  XXXX   XXXX  on  XXXX   XXXX ,  XXXX . Upon speaking to her on the phone, I was told that the issue had been investigated and the employee in question would not make this mistake again. I expressed concern that my account had been changed without my express consent and the bank never so much as followed up with me past the complaint to reassure that my account was secure and the issue had been resolved. To which the only response I received from  XXXX   XXXX  was " that is on me, I have n't gotten to writing you a letter. '' I have been a customer of  PNC  Bank since  XXXX  and am appalled at the lack of attention to this egregious action and utter lack of response to reassure and respond to the account holder. This experience was unacceptable and did not instill confidence in the security of my accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-20 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: CO

Complaint narrative:
report of a paid civil judgment on my report that has wrong information filed 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 non-monetary relief
Consumer complaint received 2017-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
We make our payments early ( paying minimum due bi-monthly plus alittle extra ). All payments are received before the due date. CareCredit ( Synchony Bank ) is penalyzing us for making payments before they mail the bill out. When this happens they are charging us late fees and reporting negatively to the credit bureaus which is a predatory practice. I have never heard of being penalized for not only paying extra but paying early as well. Payments were due on the XXXX of every month and we paid on the XXXX and XXXX of the prior month. CareCredit does not have their act together and as a result the consumer is penalized. We were able to get them to refund the late charges and supposedly fix our credit reports which we will fllow-up on. They also told us that since they incapable of taking payments early that we need to make payments between when the bill is recieved and the due date. The representative could not tell us a good datew to setup our auto-pay. Additionally they kicked us off of the promotional APR with fixed payment amount because of their bogus late fee. We have another account with CareCredit which has a 0 % APR and we pay ahead on this one as well and this account never has an issue with getting late payments for paying early. This clearly tells me that CareCredit is penalyzing customers for paying early on interest accounts because it means its less interest for CareCredit to earn.

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 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
Apple vamk for savings, a nee york based bank, had scheduled a online convention on XXXX XXXX XXXX, they notified consumer that the online services will be unavailable from XXXX XXXX till XXXX XXXX. However, when i logged on after XXXX XXXX i was stocked thay only some of my accounts showd ( i have several accounts under same username, 1 as a personal and 1 for my business, and 1 for savings ). I wS sure its an error, i called the costumer service line, after a wait of more then 45 minutes, the operator told asked me what he csn help, i said, my business account dosent show online, he said ohh business accounts was not brought over to tje NEW system, u have to go to a local branch to set it up, i askes why i was not notified about it, he was not able to answers. A day latter at the local bank. As a arrived at the bak there was alot of people with the same problem, the bank manager asked us all togetherto come to his office, he first apologised on whays happening, by saying the does not have an idea why this happend and that he was asked by the HQ before the cibversiin date, to notify just few people that will be affected and he did, but ge was told thay the rest will not be affected, but he just learned that " ALL '' business accounts wgere affected, and that he can not even get through the HQ to know whats going on becase that dint answer his phones calls, He than took information from everyone in the room and promisedus that the ussue is going yo be resolved in less tgen 2 days, Since then i tried to check online my bank account on daily basis, but nithing changed, i dont habe acces to my business account, Today it 2 weeks already l, so i went back inyo the local bank, tbe menager was noy therr today, so one of the bankers there asked my whay the issue is, i repeated my priblem, she asked wgats the name of your business?, xyz, i replied, she browsed though a bunch of papers on her desk, she said, your business is not on my list, i asked, so what dies it mean?, she said, your account is bot in a lust of account that we are going to fix today, i asked when can i expect mine to be resolves, she answered i dont know, and i can not give you a tine frame. She then told me a lie, that they notified everyone in advance, something is not ture, i am attaching the only email we got before tge conversion, and the menagers also told us 2 weeks ago that he was in total surprise. Meanwhile, i can not pay bills, transfer funds, reconcile my business records and so on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a major problem with Chase Mortgage. Their agents are calling my house at all hours of the day and night telling us to move out and give up our house because they are going to foreclose on me. At the same time, we are trying to get the Chase loss mitigation department to work with us to review for a modification but they have failed to assign an account manager or review our current financial information. We bought our home with a FHA loan and I know there are programs available for people in our situation. I dont know why Chase is purposely blocking us from these programs. We had a temporary financial setback but are back on our feet and have the ability to make a fair and affordable mortgage payment. My wife and I both work and we are going to fight to save our house. But our biggest opponent has not been our finances, it has been our mortgage lender, Chase. My wife and I purchased our home in XX/XX/XXXX and live here with our XXXX children. I have worked as an XXXX XXXX for nearly 30 years and at the time we took out this loan my wife was working full time as well. In XX/XX/XXXX we had some unexpected expenses and it was difficult to keep up with a {$3600.00} a month mortgage payment. We were able to apply for, and then get approved for a loan modification that lowered our payment and interest rate. We paid on the modification for nearly three years until my wife lost her job in XX/XX/XXXX. This caught us off guard, and I tried to rearrange finances and liquidated savings etc. but we ended up missing our mortgage payment. Within a matter of months my wife was back working and I attempted to make our regular monthly mortgage paymentthe problem was that Chase would not accept the payment, they wanted us to repay all missed payments and interest and late fees etc. and we were not able to do so. Things have snowballed from there. Despite multiple attempts to get a new review for modification assistance opened we still do not have an active review of our current financial information being conducted. We still do not have a dedicated single point of contact. We are being harassed with collection calls by rude and insensitive agents, and the Chase loss mitigation department puts us on hold and transfers us around and never attempts to resolve our issues. Since this is an FHA loan insured by the government I thought there were programs put in place for homeowners in our situation. This is an avoidable foreclosure, because we have enough income to afford a fair payment. The issue is that Chase Mortgage is attempted to obstruct access to these programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
On XXXX XXXX I applied for a cash out equity loan for XXXX. During the process of the application I paid XXXX Dollars for an appraisel report on the collaterialized property ; said property is unoccupied investment property. A 5per cent intrest rate was quoted by the loan officer that would expire on XXXX XXXX 2017.Ipaid the XXXX dollars to Whitney Bank on XXXX XXXX. On Thursday XXXX XXXX I was told by the loan officer the report from appraisal as property in " fair condition '' .According to loan officer the underwriter needed property to be in " average condition '' Today I was told { three days before my interest rate would expire } the appraiser would not update property from fair to average because utilities were not on. I was not made aware of these requirements for loan approval otherwise the 45 days that passed from start of loan application I would have had these requirements addressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX XXXX, 2017 I drove a friend to a XXXX for an initial appointment. The XXXX is XXXX XXXX. The office manager, XXXX XXXX, tried to be all friendly, like a used car salesman. Said my friend needed all sorts of XXXX work but her credit was bad. Then asked if I would cosign for her. I finally said OK. He took my information. He wanted me to cosign for her, then had me sign some simple form saying I would pay ( enclosed ). On XXXX XXXX, 2017 I had convinced my friend they were just scammers. We faxed an initial cancellation to them, which they received. A few days later, a credit card appeared in the mail with a charge of {$11000.00} on it. I called CareCredit and told them I never asked for or filled out any form requesting a credit card. The office manager at XXXX XXXX XXXX ( XXXX ), XXXX XXXX, did all this without my knowledge or approval. I never saw any credit form. I have sent the bank, which is Synchrony Bank multiple copies of faxed notes to XXXX XXXX XXXX XXXX XXXX ). XXXX has never replied nor tried to cancel the credit or return the bank 's money. I consider this as Fraud, not a billing problem. I am contacting CFPB with the initial complaint against XXXX. They have taken advantage of senior citizens by scamming them into paying for things never received or done. No services were ever done for me. I just drove my friend there and was pressured into signing as a cosigner. But the entire thing was cancelled on XXXX XXXX, 2017 and XXXX provided nothing except the initial office visit. XXXX has never tried to collect from my friend, but they have charged XXXX as much as possible without providing anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
In XXXX XXXX, my Grandfather passed away. Leaving a mortgage held by Ocwen Loan Servicing. Family members were unaware of this mortgage. Last payment was made on this account in XXXX XXXX. When my mother became aware of the debt she contacted Ocwen, explained the situation, and over the course of the next few years she applied for a modification at least 4 times. Each time the application was denied for various technicalities. Also during this period, Ocwen refused to accept payments. My brother attempted the modification process with Ocwen as well, he too was denied. Finally, i began working with Ocwen around XXXX to try to resolve the matter. My credit score and resources are sufficient to go purchase a home on the open market, so I presumed that this should be satisfactory to Ocwen as I sought to assume responsibility for this mortgage on property that has been in my family for 4 generations now.
I was denied twice. Once for paperwork. A " family transfer '' document was required. Interestingly, in all of the previous processes that I and my family members went through, this document was never presented.
I was denied a second time, and the reason was not given. I simply " did not meet requirements '' I inquired about the possibility of a short sale, and Ocwen indicated that any short sale would need to equal no less than approx. 70K ... While the principal bal is only XXXX, and the total bal XXXX with all the taxes fees, foreclosure fees they have continued to add over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Place negative reports on my credit when these accounts are not mine, I was a victim of identity theft and I let them know and had a freeze placed on my credit. They have placed this same account on my credit file XXXX. The company is XXXX XXXX XXXX and the dates where XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
At the time I purchased my XXXX, I was n't aware that I had identity theft committed on me. In XXXX XXXX my payoff was {$14000.00}, Interest of {$89.00} and monthly payments of {$350.00} for 72 months. When I was made aware and had investigations done which proved I was no liable for any of the delinquents on my credit, I contacted Santander when I was told by FTC and IRS, and other credit card companies to contact my car loan and explain to them that fraud was committed at the time they had ran my credit because the credit they ran was not the factual number but based on many delinquents which caused a 20.4 % interest rate on my loan. I was told by two " managers '' they would definitely re-run my credit and I would be retro 'd back. I called again, and got someone who told me whoever told me that, lied and they do n't offer those. I explained my fraud situation, sent them a police report, ftc affidavit, and still nothing. I called again around XXXX, explained that my interest now is up to {$270.00} and a 15 months later, I owe them {$14000.00} and how is that possible when my payments are {$350.00} after paying them to date {$5300.00}. My current ESTIMATED payoff amount as of XXXX XXXX is {$13000.00}. This means {$820.00} was applied to my principal of my original balance due and {$4400.00} was accrued for interest. The gentleman then told me nothing he can do and hung up. I recently received a 90 day delinquent on my car which I was never 90 days late. It made my finally cleaned credit from the initial fraud go down over 100pts. I put a dispute in to XXXX and just today received a Ceased and Desist letter from Santander stating they have put in my request to not be contacted ( I never put in a request to not contact me ) and that they have the right to come and repo my car. This got me nervous especially with the recent District Law Suits going on in Delaware and other states with fraud charges on interest as well as people 's car 's being repo 'd even when they were n't late with payments. I am so upset that It took me an entire year to clear up the fraud that the CFPB has helped me so much with those credit card complaints I had put in that I am seriously hoping you can help me in this situation. I am a victim again of false fee charges. I will never pay this car off considering after 15 months, I only paid {$820.00} and the rest in fees. Please help me! I have XXXX kids, I am going through a divorce, my soon ex committed fraud and I was cleared from it and now my credit is ruined again because of Santander and they are really doing shady activity especially with this Cease letter I got that I never stated to them not to contact me. Ironically too, I am locked out of my online Santander account and can not reset my password. This is absolute awful consumer service on what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My bank is not sending or showing app my latest direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I pulled out my credit report because I 'm trying to purchase a car, and was told that I had a collection from : I C System Acct # XXXX ( XXXX XXXX XXXX XXXX ). I have no idea what this is, and I never opened any accounts with them.

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 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX and in XXXX XXXX I notified XXXX XXXX that the balance they were/are reporting for account is incorrect. XXXX XXXX filed a XXXX notice with the IRS in XXXX declaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my XXXX tax return. Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that XXXX XXXX is reporting to the credit bureaus, and also being over credit limit. I submitted a fair and reasonable offer to settle this account. This was based on the corrected amount and also XXXX XXXX various FCRA violations in the handling of this account. They have failed to respond to the notification of the incorrect balance being reported, or to the settlement offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are XXXX collections on my credit report that were previously deleted with XXXX XXXX XXXX  and now they appeared again. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Both of these collection accounts were already deleted per the Fair Credit REporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank denied me on XXXX/XXXX/17 a Citibank business XXXX XXXX Advantage card. Application ID : XXXX. The denial was based upon religion. My credit score is very high. I would not mind if they gave me a card with low credit, but they outright denied.

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 2017-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
On the date of XXXX/XXXX/17 I received a notice that I was being sued for unpaid Amount of {$620.00}. This company has not contacted me by phone at all before receiving documents that I am being sued. I contacted the company to request a complaint form. Also I requested to see signed documents by me that details my promise to repay the fore mentioned debt of {$620.00}. When speaking to person representing the company they couldnt provide a definitive origin of the {$620.00} debt. But they did provide a date that my signature was made promising repayment of debt. The company said they would send me a complaint form and a signed contract between me and the company fore mentioned. I do not believe that I owe an amount of {$620.00}

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