vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CO

Complaint narrative:
US Bank, at branch level, closed my account and restricted access to online and statements. I communicated 2 months and was lied to by 4 different individuals as to why account was closed. US Bank stamped a check account closed onXX/XX/XXXX. I was told the account was NOT CLOSED shortly after. I received a letter XX/XX/XXXX stating after the date of the letter the account will be closed. This has caused other banks to put holds on my accounts causing declined payments in turn causing fines, fees, and heartache. My credit has been damaged terribly. I was also discriminated based on my religion from branch manager. I was restricted grow withdrawaling funds and there was no hold, and it was available. Even the phone bankers and the teller told me the money was there and available, but just wouldn't release. I've been waiting 3 months for resolutions. Haven't had any call backs and no one gives answers. I just received statement on Fri XXXX of XXXX. Outrageous. I now have restricted access to my XXXX accounts due to their closing and opening of my account without informing me. 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 2020-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
I recently submitted a complaint to CFPB in regards to an amount Nissan is now saying I am to pay which is {$660.00} due to a partial payment being made in XX/XX/XXXX and {$92.00} is an amount left over to pay, making my payment increase to {$660.00} and that my contracted amount is still {$570.00}. I have been affected by Covid and I have requested extension for XXXX and XXXX there was no payment made making any balance owed of {$92.00} to be tacked on to contracted monthly payment making it {$660.00}. The last payment I was able to make was in XX/XX/XXXX and it was for the full contracted amount of {$570.00}. Before that also payments were made as agreed According to contracted amount before financial hardhship. Since XXXX of XXXX the history shows Nissan stating my monthly payment amount is {$660.00} and not XX/XX/XXXX. And the last time posted per statement of contracted amount was back in XX/XX/XXXX and by that appears Nissan changed my monthly payment amount wayyyy before this year came into play. Per-attached shows the changed payment amount to {$660.00} happening back in XX/XX/XXXX per Nissan Statements I recieve online per their portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: AZ

Complaint narrative:
A XXXX  payment was made using my account, cash tag $ XXXX. I immediately notified cash app. I then received notification that my phone number had been unlinked to my account as well as my email. This took place on Sunday XX/XX/XXXX around XXXX. The cash card associated with the account was **** **** **** XXXX CVV *** EXP **/**. The bank account associated with the account was XXXX. I reached out for assistance and Was advised that more information was needed to authenticate my account I provided the information that they requested and was advised that there was no way they could assist with resolving the issue nor would they be able to provide refunds or access to my account. Multiple transactions and deposits have been made to account. And the account Is still open as I verified with multiple merchants that the refunds they have initiated have successfully went into the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I have people sending me money through XXXX and PNC will not allow my back account to sync with their program. They also won't sync with XXXX. 
These are popular methods people are using these days for transactions and it makes no sense for PNC not to allow me to deposit or withdraw money to send in this manner. I had to open a different account with another bank to access the {$200.00} I had locked up in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: NY

Complaint narrative:
Both Equifax and XXXX  have been habitual offenders for dropping my credit for no intelligent reason. XXXX XXXX is reporting these mistakes. My credit erroneously dropped from XXXX to XXXX. My credit belongs at the excellent level of over 800. When these mistakes occur it takes several months to repair. The algorithyms are written to XXXX the consumer. Whatever my high balance has been on my credit cards, it has been XXXX   out consistently at the end of the billing period. I have paid my mortgage for 3 years on time. I have paid the lease of my car on time for 2 1/2 years. Bills are never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: KY

Complaint narrative:
After my re certification in XX/XX/XXXX, I noticed that my IBR monthly payment was too high and I don't think they accounted for my XXXX XXXX XXXX  husband in the recalculation. 

At the end of XXXX of XX/XX/XXXX, I attempted to transition my IBR plan to the revised pay as you earn plan. I was told by the customer service representative that I could get enrolled in this play after paying a XXXX   dollar fee. I was expressly told by the customer service representative that I could make this payment to get the process started. 

I went online and payed the required {$5.00} dollar fee on XX/XX/XXXX expecting to get the process started. I have confirmed this date with my bank account. I was told at that time over the phone that it should take approximately 6-8 weeks. I have a letter dated XX/XX/XXXX that requested this {$5.00} dollar payment. 

I think I had additional call in the meantime checking in but forgot to document it. I have had such poor customer service that eventually I started to document my conversations. 

On XX/XX/XXXX @ XXXX I called Fedloans regarding my forbearance. I talked with XXXX ( employee # XXXX. ) She told me that my XXXX dollar reduced payment forbearance had not been processed yet. She told me that she released it so that it would be processed in 20 days. I was still on forbearance. I requested that she send something in writing regarding my next payment due date and that my plan had been processed. She told me the email would take 20 days to process. 

On XX/XX/XXXX, I made another payment for the {$5.00}. I am not sure why I had to make an additional payment. I have this payment documented in my bank account. 

Eventually, after multiple phone calls I was approved for revised PAYE in XX/XX/XXXX. I am filing a complaint because the inaccuracies and inconsistencies given to me by fed loans left me in forbearance from XXXX to XX/XX/XXXX. I am attempting to go for PSLF and it makes a difference as I wasn't able to claim any qualifying payments but was accumulating interest. I attempted to work with fedloans to make sure the process was happening but was given inaccurate information that has allowed thousands of dollars to accrue on my account. 

I think it is unfair to keep consumers in administrative forbearance due to the incompetence of the Fedloan servicing at performing their primary function. Unfortunately, in order to get PSLF I have no choice but to use this servicer. This is not the first time I have been placed on administrative forbearance because of problems related to fedloans management of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One will not resolve a dispute that I have on my credit card. they will not call me nor will with let me speak to the appropriate representative to voice my concerns. I have attempted NUMEROUS times to get this resolved and they will not do anything. They allowed a company to commit fraud and they are committing fraud by not trying to resolve it in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Both XXXX and Transunion have been habitual offenders for dropping my credit for no intelligent reason. XXXX XXXX is reporting these mistakes. My credit erroneously dropped from XXXX to XXXX. My credit belongs at the excellent level of over 800. When these mistakes occur it takes several months to repair. The algorithyms are written to XXXX the consumer. Whatever my high balance has been on my credit cards, it has been XXXX   out consistently at the end of the billing period. I have paid my mortgage for 3 years on time. I have paid the lease of my car on time for 2 1/2 years. Bills are never late.

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 2020-07-19 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Back in XXXX I bought a dishwasher and hock up from Home Depot I returned it in XXXX they tried charging me {$70.00} for the return I refused and went in store to the XXXX IL location where I bought it sat for XXXX till close and they still didnt return it they said they would call me when the return was complete 3 days later I received the call fromXXXX at Home Depot saying the return was processed and take. Care of. In XXXX I went to use the Home Depot credit card it was declined I called Home Depot right away and citi bank both twice the same day. Home Depot then issued me more and new credits in XXXX to handle the account and make it accurate. I called back citi bank again that day to make sure we received the credits they said it would take 48 hours. Now we went to apply from our loan agent on our 3 home and got denied from homedepot reporting on his credit for a return we did not receive the correct or proper credits since XXXX and I have been told by employees at home depot since XXXX it was taken care of. XXXX my partner had an XXXX credit score we have worked the last 10 years to get the only thing on his credit was homedepot reporting on not refunded credits we were supposed to have tanked my husbands credit and denied us for a home all because a return wasnt properly handled. Then they closed our account without any notice tanking my husbands credit more. We have been card holders w homedepot since XXXX this is the worst situation We have been put in and no one wants to help us. I called citi bank they just wanted their credits didnt even offer to reopen the account so my husbands credit wouldnt be further negatively affected by this mistake. I explained how dire this situation is look at his account its form XXXX we are in XXXX how are we still dealing w this credit on the return?? This is absolutely unexpected we have maintain credit and paid every bill and now we go apply for a home loan and now from someone else negligence and not knowing how to do their job correctly we are denied for our home loan. We need the negative reports 30 60 90 day removed from his credit.

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 2020-07-19 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: NJ

Complaint narrative:
BY MISTAKE I SENT YOU THE WRONG FILE I ATTACHED A NEW FILE WHERE YOU CAN SEE THAT I WAS INELIGIBLE FOR CHAPTER XXXX BANKRUPTCY AND TRAN UNION CREDIT REPORT DENIES ANY UPDATE TO MY FILE APTER I TRIED SEVERAL INTENTS XXXX  AND XXXX  UPDATE MY FILES BUT TRANS UNION CREDIT REPORT REFUSE TO DO IT THE REPORT FROM THE COURT SAID THAT I WAS INELIGIBLE FOR CHATER XXXX BANKRUPTCY

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 2020-07-19 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: IL

Complaint narrative:
I HAVE NOT GOTTEN ANY INVESTIGATION RESULTS AND THESE ACCOUNTS SHOULD BE DELETED IMMEDIATELY CONSIDERING THEY ARE REPORTING INACCURATELY WHICH IS A VIOLATION OF FCRA.

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 2020-07-19 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: IL

Complaint narrative:
THE ACCOUNTS ARE REPORTING INACCURATELY AND SHOULD BE REMOVED DUE TO VIOLATING THE FCRA ACT!!!! THERE IS NO WAY THESE ACCOUNTS SHOULD CONTINUE TO REPORT INACCURATELY I AM HIGHLY DISPLEASED AND I HAVE NOT GOTTEN ANY INVESTIGATION RESULTS

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 2020-07-19 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: IL

Complaint narrative:
THE ACCOUNTS ARE REPORTING INACCURATELY AND SHOULD BE REMOVED DUE TO VIOLATING THE FCRA ACT!!!! THERE IS NO WAY THESE ACCOUNTS SHOULD CONTINUE TO REPORT INACCURATELY I AM HIGHLY DISPLEASED AND I HAVE NOT GOTTEN ANY INVESTIGATION RESULTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THE ACCOUNTS ARE REPORTING INACCURATELY AND SHOULD BE REMOVED DUE TO VIOLATING THE FCRA ACT!!!! THERE IS NO WAY THESE ACCOUNTS SHOULD CONTINUE TO REPORT INACCURATELY I AM HIGHLY DISPLEASED AND I HAVE NOT GOTTEN ANY INVESTIGATION RESULTS

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 2020-07-19 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: NY

Complaint narrative:
This account XXXX XXXX finance has a zero balance and 100 % on time payment. Its reporting 2 90 day late payment status and a remaining balance of XXXX. This is incorrect. There is no remaining balance the account is current and CLOSED. Not charged off and never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: IL

Complaint narrative:
I HAVE NOT GOTTEN ANY INVESTIGATION RESULTS AND THESE ACCOUNTS SHOULD BE DELETED IMMEDIATELY CONSIDERING THEY ARE REPORTING INACCURATELY WHICH IS A VIOLATION OF FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I HAVE NOT GOTTEN ANY INVESTIGATION RESULTS AND THESE ACCOUNTS SHOULD BE DELETED IMMEDIATELY CONSIDERING THEY ARE REPORTING INACCURATELY WHICH IS A VIOLATION OF FCRA.

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 2020-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Wont allow me to sign up with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Someone called me Saturday night from a personal phone with NY area code. She said that she is with Chase and that she needs to send me a code I need to read it to her. I said that I will not do that since she is calling me not from authorized bank number and I will not release any sensitive information to her. I asked if that is possible for her to call me from bank number or if I can call the bank number myself, she said yes. I have called the bank customer service number and automatic recording said that there is person is available to speak to. I have tried to log in to my online account and it was locked. I have googled and found out that they have no support until XXXX XXXX  Sunday. I have called XXXX XXXX  Sunday and the person there told me that no one will be able to assist until Monday. I SUSPECT CHASE IS DOING SOMETHING WITH MY MONEY. I CAN NOT SEE THE TRANSACTIONS I CAN NOT GET HELP. No legit company especially that deals with money should request codes by calling from some shady numbers, and how is that possible that no one is available to provide the support and customer has to be locked out from their money??????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XXXX XXXX ... Experian received my XXXX Express Mail Letter File Number XXXX ... 
This is after they sent me their Dispute Result Letter which I received on XXXX XXXX The Disputed Negative Account was for XXXX XXXX XXXX  ... Account Number XXXX This a Fully Paid Closed Account.. 

The Account shows a Late Payment on XX/XX/2015 ... There was Never any Late Payment..This Information is Incorrect ... 

XXXX  shows it as Fully Paid with no Late Payment

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 2020-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: MD

Complaint narrative:
I ran into some trouble paying the card due to the coronavirus and now they wont reinstate my card and are saying that its going to keep being periodically reviewed which is complete lies. So they are stealing my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I have submitted a dispute on this account by Santander multiple times starting on XX/XX/2019, XX/XX/2019 and XX/XX/2019. They have not supplied adequate paperwork show who this account belongs and how much it was sold for or anything that pertained to the account. They never supplied there method of validating the debt they just said it belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-19 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: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
ONCE AGAIN XXXX  IS VIOLATING THE XXXX  AND XXXX XXXX  WE NOW HAVE ENOUGH TO FILE CLASS ACTION AGAINST XXXX/TSI AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I opened an XXXX acct. Tried to link checking acct. PNC denied the connection.

Company response to consumer: Closed with explanation