vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery One, LLC
State: MS

Complaint narrative:
I initially contacted this company in XXXX of 2020 requesting this company to send me validation of the alleged account. The company has not replied in 60 days. This is a violation of my privacy rights, the FCRA, and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I went to purchase a car and my credit was pulled for inquiries that I did not approve for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I went to purchase a car and my credit was pulled for inquiries that I did not approve for.

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I went to purchase a car and my credit was pulled for inquiries that I did not approve for.

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 2020-08-10 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: FL

Complaint narrative:
I have been having troubles trying to get TransUnion to investigate sevearl things listed on my credit file. I submitted several complaints via mail and recently online. They finally responded to the online dispute but yet there is an account that they indicated they investigated but the results are not complete. There is an aged account that should not be reporting on my credit file with XXXX XXXX and they so no data for the time in question. they show no type of payment history for XX/XX/13, XX/XX/13 & XX/XX/13 all of which were 30 days delinquent therefore addressing the statute of limitations. Their report says no data ... If the lender can not provide that data or TransUnion is unable to report those months in question then this should not be reporting on my credit file. As per the FCRA they need to show accurate information and no data for those 3 months which would show the account is past the statute of limitations is clearly a violation of the FCRA. 

On page one of the attachment it clearly shows under the rating Key X is unknown. Then on page 2 is the start of the XXXX XXXX account and the final page shows X ( Unknown ) for XXXX, XXXX, and XXXX of 2013!

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 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Checking and saving were open in my former name. Contact the bank to report fraud and to have account closed. I was told someone will send me a letter telling me the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express is refusing to remove an unauthorized transaction on my account. I am being charged {$930.00} for merchandise I did not authorize. The merchant made an error during an order process and took money from me for something I did not want. 
I contacted American Express and the still have not resolved the matter. They are forcing me to pay. The merchant sent me the merchandise and is not reachable to schedule a pickup. Merchandise is very large and has been taking up a lot of space in my living room inside the original box I never opened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Money transactions do not go through when it should. Will not let other apps help with deposits

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX 2020 I was going through financial difficulties and was unable to make the payments on time. However today I am in a better financial situation and have been paying my bills on time and even paid off the balances for all my credit cards. I have asked several times by Calling and sending letters of goodwill. They will not help me during this time although my cards are in good standing as of today and I have been paying on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: NJ

Complaint narrative:
Due to covid I am not working and have XXXX income. They put the loan into forbearance for three months however the first time did so after I paid one month, refunded me, said my account was past due after it was refunded and made me pay and refused to credit me the month so in essence they gave me two months forbearance. I havent received unemployment although Ive been trying for over 4 months now. I have begged them in multiple emails and explained my situation since XXXX and now they said theres no forbearance left and if Im late they will immediately report to my credit so I use much needed funds to pay. Please help. In this time with no income and being unable to work due to being immunocompromised I am shocked that a company is this heartless. Regular loans forbear at XXXX  %. I do t even care about interest I just need a few months to catch up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Sold a primary residence on XX/XX/XXXX. Net proceeds of {$120000.00} were deposited into a Wells Fargo checking account. The funds showed as being in the account on XX/XX/XXXX but were not showing up on the account XX/XX/XXXX. The bank said it was on hold to verify the funds were actually available. Approximately {$5000.00} will be available on XX/XX/XXXX and the balance on XX/XX/XXXX. In this age of electronic communication why does it take a week to verify?

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 2020-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I need to withdrawal money from XXXX to my PNC account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX bank has always stole money. Now charging overdrawn charges every week. They should be fined. If they would credit fraud charges XXXX pocketed I would not be overdrawn. 
Stop charges fees. Credit for fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10 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: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. It has well over 30 days since submitting all the proper documentation and the bureaus have given me no reprieve in the battle to reclaim my life.

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 2020-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XXXX XXXX I sent email to cash app asking to have my account unlocked I have money on the account I cant use because they locked it not sure why but I submitted request to have unlocked received general email when you request support says I would receive email within 24 hours I heard from them finally on XXXX XXXX asking for additional information to help me with the account I sent all required information asked back to them eight minutes after I received email and I still have not heard anything yet and today is XX/XX/2020 I just want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This is my second complaint about Wells Fargo removing my credit card account from my credit report / failing to report it.

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 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Over the past 14 years we have had several issues with the servicing of our loan with BofA. Most of these issues resulted from system issues on their end. We were scheduled to close on the sale of this home on XX/XX/XXXX and because of a system issue with BofA they were not able to provide us a payoff statement. We unfortunately had to delay our closing!!! As I type I have been waiting on hold for over 50 minutes. Ive been trying and so has the title company in order to get this payoff information. They made provisions for people to make their payments but no provisions for people that are selling their homes. Its XX/XX/XXXX and Im still trying to get someone to help with the payoff. Ive been transferred, put on hold and still no success. I am in danger of losing the buyer because BofA is failing to provide basic servicing. Its also costing me interest each day that the house does not close. We have everything except for the payoff. This is not only frustrating its very stressful. This is the second issue Ive had this year with system issues. I now have a 30 day late, the ONLY 30 day In our file from a system issue back in XXXX or XXXX. they basically blamed me for the issue. I explained to them that went to make my payment like I usually do but the system wouldnt allow it. I also explained to them that my husband was very ill at the time and unfortunately I didnt have the time to call and sit on hold for days or hours like Im doing now. Im sure we will be blamed for having to delay closing. They will figure out a way like they always do to blame the consumer. Im just ready to sell this home so that we can get out of this loan! Its not right. Im in danger of potentially losing a buyer because I cant get whats needed from Bank of America to close. Im past stressed and frustrated at this point.

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 2020-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I traded trucks at XXXX XXXX in XXXX TN. On that date they called Ally Auto to get a payoff and were quoted {$21000.00} that was good for 10 days. On XX/XX/XXXX they received that amount plus on XX/XX/XXXX another {$500.00} from an automatic payment that was not turned off. They are telling us we now still owe {$280.00} and that they told the dealership they quoted {$21000.00}. I believe the dealership over this company. Upon reading reviews I am terribly sorry that we ever did business 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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX has reported inaccurate information on my Experian credit report. 

Experian is in violation of FCRA rules section 1681 *Inaccurate, information includes, inaccurate date of last activity, misleading payment history, *Inaccurate or misleading outstanding balance *Wrong address and name of which credit was applied to, all violation of FCRA rules

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 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IN

Complaint narrative:
PNC will not allow us to link our bank account to payroll companies in order to have the account verified in an expedient manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. It has well over 30 days since submitting all the proper documentation and the bureaus have given me no reprieve in the battle to reclaim my life.

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 2020-08-10 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: GA

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. It has well over 30 days since submitting all the proper documentation and the bureaus have given me no reprieve in the battle to reclaim my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
I entered a financial loan for an automobile with XXXX XXXX, for appx. XXXX. Since XXXX I have paid ahead on the loan. Ex : XXXX : I made 3 payments instead of 1. In XXXX I made a payment, in XXXX I made 2 payments. I have my billing statement for XXXX and it shows my payments are going to interest, even though I'm continually 1 to 2 months ahead on all my payments since XXXX. Why are they stealing my money? I'm widowed with XXXX children and am trying to pay the loan off early, however : due to my payments being applied to intrest only ; I will have paid XXXX of the loan back by XXXX. However : only 15 % of that has been applied to my principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANCO POPULAR DE PUERTO RICO
State: VA

Complaint narrative:
Since at least XX/XX/2020, l have being trying to close my account & get my money from Banco Popular in XXXX XXXX. XXXX XXXX in XXXX is aware and my account is now closed I have not received my money yet, but they keep taking fees for inactive 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 monetary relief
Consumer complaint received 2020-08-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-08-10 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: GreenSky, LLC
State: NC

Complaint narrative:
Back in XXXX I went to XXXX XXXX to get XXXX XXXX XXXX   treatment. XXXX XXXX is partnering with Greensky offered me a loan of {$930.00}, stating that treatment will remove all visible XXXX XXXX on my XXXX. They charged the payment card BEFORE providing any treatments. After 3 session of treatments I did not see any results and made complaint to Greensky XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, GA XXXX and XXXX XXXX, raising my concerns. None of them were willing to cooperate. 
I went to another provider, who actually was able to provide a treatment that worked, and as the result incurred additional expenses. 
Greensky stated in writing the following : If you are dissatisfied with the goods or services that you have purchased with your payment card, and you have tried in good faith to correct the problem with the merchandise, you may have right not to pay the remaining amount due on the purchase. 
I have contacted Greensky back in XXXX and XXXX, stating that indeed I am not satisfied with the purchase and I tried in good faith to resolve this with the provider, I want my money to be refunded. Greensky is not fulfilling their contractual obligations and loan agreement. Please see attached complaint to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation