vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( OCGA 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 2020-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: GA

Complaint narrative:
In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( OCGA 9-3-24 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: U.S. BANCORP
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my payment history coming from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: GA

Complaint narrative:
Thru numerous letter disputes I've sent out on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX ... I've pleaded with the Equifax, XXXX, and XXXX  that they were reporting inaccurate information due to the following accounts : " XXXX XXXX which is an account that was removed from my credit report and now reappears and as the information reporting clearly determines its an re-aged account and the information reporting doesn't add up, meaning how can a account be opened in XX/XX/XXXX and have date of last activity of XX/XX/XXXX? Account : XXXX XXXX : which shows on some bureaus as Charged-Off/Collections and on others as " Open ''? How is this the case especially when the charges to the account was made by someone other than myself as I told them without my permission and their employee authorize the transaction, which I shouldn't be held accountable for ... Account : US BK XXXX : an account that has clearly not been investigated or verified properly because I've never had an account or credit card with such company and my SSN doesn't match that person they're accusing. Account : XXXX XXXX ... account is reporting inaccurate information by all 3 bureaus as I pointed out on the above dates and neither is yet to send the proper documents or paperwork verifying the account. Simply due to the above facts and information taken from the individual credit reports, these accounts should be removed from my credit file as its hindering me from obtaining the lifestyle of having excellent credit or building decent credit. Again I've pleaded with them and pointed out the mistakes on the credit reports and all they seem to come back with is this account has been verified, which is not true. I've even reached out to the original creditors with no response of verification of said accounts, not to mention neither bureau responding to my XX/XX/XXXX dispute letter, which is way beyond the 30-45 days that's required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: WA

Complaint narrative:
I am a long term Chase customer that was defrauded by a merchant. Chase has sided with the merchant that defrauded me without even asking me for any information or documentation. 

On XXXX I purchased an appliance from XXXX XXXX, an online appliance retailer. The total cost was {$1200.00}. 
On XXXX the item shipped. Upon arrival we immediately knew this would not work for our kitchen and requested instructions on how to return the appliance. 

XXXX ignored us and the return request until I contested the charge over a month later ( XXXX ). Their site requires you to go through them to get RMA details, so without their reply I was unable to do a return. 

After contesting the charge, they replied to our email saying to return it at our expense and they will refund approximately {$900.00}, keeping the rest claiming it was their cost shipping it to us. They refuse to document the shipping cost of over {$300.00} ( about 25 % of the cost of the appliance itself ), saying it's none of my business and I have to pay whatever they say I should pay. I contacted the shipping company and they would not provide documentation but confirmed that the number they were attempting to charge me was above the actual cost of shipping. ( XXXX XXXX, tracking number XXXX, ship date XX/XX/20, Bill of Lading # : XXXX, Purchase Order : XXXX ). 

Additionally, the XXXX 's site clearly states they will help set up a return shipment since appliances are large and typically ship via a freight carrier and not XXXX/etc. They also promise to use their negotiated rates which are less expensive than consumer rates. They have refused, saying it's not their responsibility. As such I don't have any idea how to actually return this item to them. ( Their terms directly state : " If the product you are returning or exchanging is an overweight or oversized item that was shipped via XXXX  carrier and you need assistance, please contact us and we will provide you with a shipping quote* to have your product returned. '' ) I have been defrauded by a merchant who has both tried to make returning a product within their policy difficult to impossible, and Chase took their side in the dispute -- without ever even reaching out to me to ask about the response or if it was even true ( there are several lies in the response from the merchant, which makes sense, they're defrauding me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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 2020-06-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

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 2020-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
On Tuesday, XX/XX/XXXX, Simple sent my fiance a notice that it was, without cause, closing her account. They noted that they reserve the right to do so without cause per their rules. We are not complaining about their right to close our account without cause. What we are complaining about is the fact that they are now holding our entire savings hostage for an undetermined amount of time while they wait to send us a check for the contents of our savings. My fiance and I set up an account with Simple. In order to have a joint account, they require you to have two solo accounts, as well as a checking account. Upon receiving the email on the XXXX my fiance called Simple to see what the issue was. They notified her that by closing her personal checking account, this would also close our joint account as well. They told her that she should move money around as soon as possible so that we could have access to it. This was within 45 minutes of receiving the email. I immediately attempted to move all of our savings into our checking account so that I could transfer it to accounts we had outside of Simple. However, they had already locked down our money, not allowing us to transfer funds out, keeping the entirety of our savings locked away during a pandemic where either one of us could get deathly ill at any point. We also are getting married in a few months, and some of the money in our savings is earmarked for our wedding, bills which we would now have to put on credit cards, which we had hoped to avoid. The next day I called Simple and asked only two questions : Why was our account closed? When would we get our money back? Simple refused to answer both of those questions other than to say that they are allowed to close an account without cause at any time and that there was no timeline other than " as soon as they could. '' We also sent a message through their messaging system and were given the same, boilerplate non-answer. All we really wanted to know was when we would be getting our savings back. It seems that they think that this is their money, when in reality it is ours and they are holding it hostage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11 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: The Law Offices of Burr & Reid, LLP
State: NY

Complaint narrative:
I have a derogatory mark on my XXXX  credit report, the collection agency Burr & Reid from XXXX, NY never contacted me to let me know I had a debt in collections! They said they did and I told them I never received a letter or anything else to inform me of the debt! I asked them what address they had listed for me and they read off a different address than mine not my address. They said not there problem, I said if the debt is mine Ill pay it off as long as you have it taken off my credit report and they said no they wont take it off the credit report regardless if you pay it! How is this fair!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC does not permit me to link my landlord account to the online property management system " XXXX XXXX '' and I am unable to make deposits of incoming rent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: GA

Complaint narrative:
I have requested that TransUnion remove an unverified account that has been placed on my credit report from XXXX XXXX XXXX. I have no agreement with XXXX XXXX XXXX and requested a Cease & Desist previously. The company never provided any verification information before placing this account and still placed the account after I requested them to cease & desist. I informed TransUnion and XXXX  of this error and the account is still reflecting on my account. It is my right to only deal with the original creditor and not a collection agency that I don't have any kind of income agreement with.

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 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/20 I spoke with a rep who said the problem was fixed but it hasn't been

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase said I can open account i gave them mall info for business  a week prior they took my money allowed me open account then out of blue closed it the reason is a lie

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ERC
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Riverwalk Financial Corporation
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was impacted by the COVID19 disaster and inquired about refinancing with my current lender in an effort to maintain my perfect mortgage payment record. The refinance did not go through, but I was still impacted by the pandemic. I was told that negative reporting would be suppressed during the time I was impacted, but it appears I was just reported 30 days delinquent. 



I have never missed a payment. I should not be punished for a situation that was out of my control. Please amend the incorrect reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have requested that XXXX remove an unverified account that has been placed on my credit report from National Credit Systems. I have no agreement with National Credit Systems and requested a Cease & Desist previously. The company never provided any verification information before placing this account and still placed the account after I requested them to cease & desist. I informed XXXX  and XXXX  of this error and the account is still reflecting on my account. It is my right to only deal with the original creditor and not a collection agency that I don't have any kind of income agreement with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have requested that XXXX  remove an unverified account that has been placed on my credit report from XXXX XXXX XXXX. I have no agreement with XXXX XXXX XXXX and requested a Cease & Desist previously. The company never provided any verification information before placing this account and still placed the account after I requested them to cease & desist. I informed XXXX  and Experian  of this error and the account is still reflecting on my account. It is my right to only deal with the original creditor and not a collection agency that I don't have any kind of income agreement with.

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 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a new mortgage customer of SunTrust, soon to be Truist. Our mortgage was was purchased by SunTrust from XXXX  XXXX  XXXX. The account was setup on autodraft. On the first month SunTrust took mortgage payment plus an additional {$5000.00} which was not authorized.. We called their office immediately and they said it was a mistake but they couldn't do anything. After discussion operator gave a fax number and said we could send copy of our bank statment showing they had taken two payments. Operator could see clearly they had deducted an additional {$5000.00} but refused to fix the issue.

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 2020-06-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NM

Complaint narrative:
I brought a vehicle XXXX XXXX XXXX on XX/XX/XXXX in XXXX XXXXXXXX XXXX, and financed an amount of {$23000.00} with Nissan Finance ( 7.87 percent interest rate ). I didnt pickup the car on the same day, because I had to leave on the next day to XXXX XXXX XXXX XXXX  training. About a week later, my mom went to pick up the car. She and my uncle found out that the car had XXXX miles already. The car dealer didnt even mention that when I signed the contract. They didnt pick up the car but the car dealer didnt cancel my loan contract either. I didnt realize that the car dealer didnt cancel my contract until two months later after my XXXX XXXX training. I found out that my credit score dropped very low because of this car loan, and didnt receive any notice about that I had to pay for the loan. I called the loan company, and they told me if I want to cancel this loan I have to talk to the car dealer. Then I called the car dealer, they told me to call the loan company. They kept pushing me to each other and didnt help me solve my problem. I went to talk to the car dealer face to face on XX/XX/XXXX. I was trying to get them to at least change the car, but it couldnt be achieved based on my low credit score. I waited for a whole day and didnt get any solution. They didnt even call me for any update after that day. On XX/XX/XXXX, I went to the car dealer again, they couldnt help me with any thing, I had nothing to do but to pick up the car and start paying for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX I submitted a refinancing application with the same lender of my mortgage - Citizen One of Citizens bank NA. 
I was offered very good terms on a disclosure agreement and I signed it and paid over {$500.00} appraisal fee. Closing date was set to XX/XX/XXXX, and they couldn't close due to conditions restrictions. I wasn't ' told what conditions were. 
I couple of days ago I was told that I was clear to close and closing date would be XX/XX/XXXX. The mortgage loan officer XXXX XXXX called and apologized saying she got my figures wrong and she explained my interest would be 0.5 % higher. I said that I need to see this in writing. Today, I was scheduled to close at XXXX XXXX  and I still didn't have any final disclosure on the fees and interest. I called her and requested the document and she send me one that not only had 0.5 % higher from what was initially offered, and rate was locked in an agreement, but also she added almost {$2000.00} in points that I didn't agree to. 
She practically unilaterally broke a signed agreement I had earlier not only with a locked rate but also with amount of points. It is unbelievable that she intended to not to provide me with a disclosure statement before the signing! 
I would like that Citizen One Home loans honor that agreement they had with me and the rate they told me was locked. 
I would provide you with all the documentation evidencing all this.

Company response to consumer: Closed with explanation