vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 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: CA

Complaint narrative:
I purchased a vehicle that I had previously leased from an automaker ( XXXX  ). I had attained financing thru my credit union and negotiated the purchase of the vehicle but because of ineptitude at the dealership a financing account was established with XXXX also. As I did not try to start an account with XXXX I informed them and did not pay on that account. They did not close or deleted the account and so it went into default. I contacted XXXX and notified them of this fact and they corrected the situation ; closing and deleting the account. I notified the credit reporting agencies of this error asking that they delete the incorrect account information. TransUnion never deleted the error and then went on to claim that the disputed information was in fact verified as accurate when I submitted a dispute to them. The other credit reporting agencies were able to delete the incorrect data but not TransUnion as it seems.

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 2020-07-29 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: Granite Edvance Corporation
State: MA

Complaint narrative:
I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: CA

Complaint narrative:
Elan Credit Union calls me everyday about a XXXX debt on a closed Credit card that was used for fraud under my name.

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 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: CA

Complaint narrative:
Someone opened a US Bank and XXXX XXXX XXXX credit card in my name around the same time. I've contacted both banks to resolve this issue and even sending my ID as proof as I did not open any accounts. Please check the IP Address from where the accounts where opened. 

I had no access to this cards nor did I have anything mailed to me

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 2020-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America Credit Card account was compromised. It was paid off and now has a {$9200.00} Balance.

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 2020-07-29 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: WI

Complaint narrative:
I have a loan with XXXX XXXX, XXXX, CITICARDS CBNA, and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX   XXXX, XXXX XXXX, XXXX, CITICARDS CBNA, and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-07-29 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: DISCOVER BANK
State: WI

Complaint narrative:
I have a loan with XXXX XXXX XXXX, XXXX XXXX, and DISCOVER FIN SVCS LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, and DISCOVER FIN SVCS LLC with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: AMERICAN HONDA FINANCE CORP
State: WI

Complaint narrative:
I have a loan with AMERICAN HONDA FINANCE, XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, AMERICAN HONDA FINANCE, XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
After paying off not 1 but all my credit cards with synchrony. All my accounts were closed due to the inability to pay them. It makes no sense and the corporate offices don't understand either. 

They claim my credit report has no bearing on it and there is nothing negative about my accounts. 

I asked to re-open some but perhaps close some I do not use that often. 

Today I was notified by my credit reporting monitoring that synchrony has placed some accounts in status of closed/steeled or paid for less when I paid them in full. 

This is for the XXXX XXXX which had a XXXX limit, last month they increased it to XXXX and after it was paid to zero closed the account.

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 2020-07-29 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: DISCOVER BANK
State: MA

Complaint narrative:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: FIRST CITIZENS BANCSHARES, INC.
State: WI

Complaint narrative:
I have a loan with XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: BRite Financial Services, Inc.
State: WI

Complaint narrative:
I have a loan with BRITE FINANCIAL SERVIC,  XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, BRITE FINANCIAL SERVIC,  XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I deposited a bunch of checks from my mom to me for work I had done over the last year and her bank sent one of the checks not paid so for the last 7 days including the the weekend me and my mother mad multiple calls doing what ever pnc asked and they still have a hold on my funds now I have been lied to by the bankers from pnc and it got to the point where I could not feed my family all for a check signature that my mother authorized and fix with her bank and mine over the last seven days and still one of my accounts is still on hold this is bull and I am completely sick to my stomach because of how horrible these people are that just keeps putting the hold on so I cant do anything and they blocked my atm card so I cant access even the money that is released I believe that this was intentional to hurt me and I have no idea why but I think its time I talk to an attorney about this entire situation because I believe this is completely unfair I have done nothing wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: Source Receivables Management LLC
State: WI

Complaint narrative:
I have a loan with SOURCE RECEIVABLES MNG. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and SOURCE RECEIVABLES MNG with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
How are you doing? Can you please help me? During this Covid-19 I been reviewing my credit report, and I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2018 for 30 days late. 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 check 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 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Well I like to authorise the charges which I maid to Paypal. 

By mistake I complained before " I believe I ordered XXXX XXXX and XXXX XXXX  update form a technician upgrading my computer and gained access to all of my personal information because he is the technician and he used my debit card through Paypal to make the initial {$470.00} then I was billed within a week 6 or 8 more of those payments and they went through and Paypal doesn't want to honor their commitment to me as a customer. XXXX XXXX is sending me a fraud form to fill out because they are are gong to attempt to recover my funds. Paypal case XXXX. The Tech person his name is XXXX his phone number is XXXX XXXX XXXX XXXX. '' I like to authorized all the charges made by me to paypal. 

I know XXXX well and I like to cancel my complain for paypal transaction. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Below is the email I sent to Wells Fargo. I paid my mortgage payment and credit card payment this month. Both were returned and a {$27.00} fee was added to my bill. I've read several other related complaints against Wells Fargo while investigating this. 

I'm wondering if Wells Fargo is attempting to benefit from scamming their customers. I paid my credit card payment twice last month and Wells Fargo returned the first payment. Just like Wells Fargo returned my first mortgage payment. 

I got charged a {$27.00} " returned check fee. ". 
I didn't write a check. I transferred money from my XXXX checking account and I have sufficient funds. My minimum credit card payment was {$20.00} higher than last month and I haven't used that card in over a year. Also, I've been receiving multiple letters a week referencing my mortgage is XXXX days delinquent. 

I would like to speak with a representative in reference to these incidents. I work nights so I'll be available by email to call a direct # or by phone after XXXX XXXX  est. 

Thanks, 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 explanation
Consumer complaint received 2020-07-29 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: Allied Account Services, Inc.
State: NY

Complaint narrative:
I have a loan with XXXX and ALLIED ACCT ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and ALLIED ACCT ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: Associated Credit Services, Inc.
State: OH

Complaint narrative:
On XX/XX/2020 I made a payment of {$130.00} to fully pay off the account. The creditor agreed to delete the account from the credit report. I have filed 2 disputes since then to get them to remove the debt and they are still reporting to XXXX  that the debt is still outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
I got a letter from NCI ( Nationwide Credit Inc. ) stating that I owed {$870.00} to XXXX as of today 's date they came to my house and did a service call less than 2 weeks ago I never got a bill in the mail and thought I guess due to the pandemic I would receive one. As of today 's date I never got a bill in the amount of {$870.00} and never owed such a large amount of money to this company. I signed up for a monthly plan but never got a bill for {$870.00}. You can not pay a bill if you never got it and you can't ask for money that is not owed. Definitely can not do a service call this week and next week put a customer in collection. This is the most ridiculous set of accounting I have seen I know that I was ill and paid a fee to them that may have been returned and even that amount was never in the amount of {$870.00} which I made an effort to pay them and they closed the account out in a week and forwarded it to a collection not giving the customer enough time to settle the error and forward straight to collections if this company is doing this to me imagine all the other customers they are doing asking for money that is not owed and not billed and you are a customer this month and next month in collections in less than a month. I repeat I never got a bill for {$870.00} in all the time I have been a customer with this company I realize this is a pandemic but should people pay because they don't have proper staff to send a bill that is not correct.

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 2020-07-29 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:
Tried connecting my XXXX investment account and PNC won't let me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
I have tried almost everyday for 2 weeks trying to get the last statement of my checking and savings account for a mortgage refinance and every time I try to view the statements online, there is an error message. I have messaged the bank several times and everything time I get a response, I get a generic response saying it's fixed when i still get the error message.

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 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
MADE A PHONE PAYMENT WITH CAPITAL ONE .THE PAYMENT I MADE ENDING IN XXXX WAS PUT TO ANOTHER ACCOUNT, AND WHEN I CALLED XXXX XXXX XXXX ABOUT MY PAYMENT TO CAPITAL ONE THEY SAID IT CLEARED ON XXXX XXXX. TWO DAYS LATER CAPITAL ONE WAS EMAILING ME TELLING ME MY PAYMENT WAS LATE AND ETC.WHEN I CALLED CAPITAL ONE TRYING TO CLEAR IT UP EVEN GIVING THEM A NUMBER FROM XXXX XXXX THAT THE PAYMENT HAD BEEN PAYED THEY ALMOST SAID THEY WERE LYING AND DID NOT KNOW WHAT THEY WERE TALKING ABOUT THIS WAS HORRIBLE. THEY FINALLY FOUND MY PAYMENT ON ANOTHER ACCOUNT AND SAID I MADE MY PAYMENT TO THAT ACCOUNT WHEN XXXX XXXX SAID I MADE THE PAYMENT TO THE ACCOUNT I WAS PAYING, CAPITAL ONE MADE THE MISTAKE AND DID NOT WANT TO TAKE THE RESPONSIBILITY OF IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have received multiple XXXX  threats on myself and my family if I did not pay off my {$300.00} balance. I reached out to the company to let them know that they just threaten me, I got no email or call instead they reported something on my credit. 

I paid off my balance in full, I dont want to XXXX over {$300.00} and neither does my family. I have requested to have my account closed permanently and asked for no communication from them going forward.

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