vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-26 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I received my credit score and credit report updated for the month of XX/XX/2020 with a 14 point drop. The credit reports I received explicitly mentioned that there was nothing justifying the drop. I submitted all my financial data to a financial analyst who confirmed my suspicion that it was a mistake. 
Whether the mistake was malicious or not we dont know. In one of the reports, something about my medical information, which surprisingly couldnt be disclosed to me but could be disclosed to credit agencies, was mentioned. If so, I demand the credit agency contact the source of this information since I am in a legal contention with them and they not I owe me money. 
This third party has retaliated in many forms, none legal, and I have been able to dodge their attacks. I demand the credit agency to fix my credit score. I worked very hard to reach the excellent credit score I  had and I do not intend to accept more corporate retaliation. 
This issue involves all three credit agencies : XXXX  Experian 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 2020-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase bank opened My personal check account early. Chase bank had to wait seven years. Chase bank did not wait seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I called santanders consumer USA to lower my monthly payment and they said they cant help me I am currently paying XXXX a month on a used vehicle that dont pass state inspection because it needed parts that the mechanic is trying to find. The vehicle is used and it was rotten at the bottom of the car we got it in 2015 with a high interest rate of 24.9 % I am struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I requested a pay off amount for my HELOC to Navy Federal Credit Union. My account is currently handled by collection. I been calling them all day and my escrow to get the pay off amount. We started calling them morning eastern time ll the way closed on business date. We left a message for the request. Navy Federal Credit Union collection - Mr XXXX my case manager never returned my call and didnt provide the pay off amount. Navy Federal Credit Union gave as a hard time to provide an important document so I can close my house. Navy Federal Credit Union Collection dont have a supervisor to file a complaint. I have so much trouble dealing with Navy Federal Credit Union. They dont provide good service and very unprofessional. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I disputed an account on my TransUnion report ... ..the account in question is : XXXX XXXX XXXX It is still reporting after my request to delete it because it does not belong 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 explanation
Consumer complaint received 2020-09-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have asked 3 credit bureaus and creditors reporting negative accounts for all original signed documents associated with the information of all accounts that all 3 are reporting.I haven't disputed the accounts as not mine. Ive corresponded with them trying to receive copies of my accounts reporting negatively so that I can have all the information I need. All 3 credit bureaus and the creditors have not sent me the documents I have requested since XXXX of 2020.

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 2020-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: UT

Complaint narrative:
In XXXX of 2019 I decided it was time to start trying to pay my loans. I contacted Sallie Mae at that time and asked how I would make arrangements for a payment I could afford because I could not afford what I was told my estimated payment would be in the Exit Counseling for my school. 
When I called the first time they told me they could not make any changes until my account was past due ( which would not be until late XXXX ) and at that time my account would be sent to a team that would call me within 3 days of my account going past due to find out what was going on and why I didnt make the payment. They said pay what I can even if it is only {$50.00} the team that reaches out would take care of the rest and be able to go over options. 
After a day I felt like that couldnt be right. I researched a bit and found other consumers that had been told this online and they told me to call back and ask to talk to their solutions team ( thats not the exact name of the team I never spoke to the team as they dont seem to exist ). I called again and was told the same thing. 
Again I felt like this was not correct after a few days and called back 3 more times to try and get more information. I was panicking about what the potential payment would be. The due date came, I paid {$50.00} and no one called. 
I waited about a week before calling and told the women what I had been told ( 5 times at this point ) and she almost laughed and said no thats not how that works. I was transferred to someone that also went on to explain that no they do not have any kind of team that does that and its my fault that nothing was done before my payment was due and I needed to be an adult and take care of my own loans. 
I asked for help and again was told they would get back to me, never happened. I didnt get a call back until an account manager was assigned to my account. Since then I have been belittled, harassed and my explanations of why Im not able to afford the payment requested have been ignored and no options have been offered at all. 

They are now harassing myself, family members, and others that do not know me at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have made timely payments to Wells Fargo on a monthly basis since XXXX of 2020 without being late. They still have me as delinquent and this has negatively effected my credit score.

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 2020-09-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have asked 3 credit bureaus and creditors reporting negative accounts for all original signed documents associated with the information of all accounts that all 3 are reporting.I haven't disputed the accounts as not mine. Ive corresponded with them trying to receive copies of my accounts reporting negatively so that I can have all the information I need. All 3 credit bureaus and the creditors have not sent me the documents I have requested since XXXX of 2020.

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 2020-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Twice I have deposited a paper check with Bank of America and the bank has placed a 10-day ( 7 business day hold ) on the check. The first check was a one-off deposit, real estate proceeds. This last check was my husband 's payroll check. He has been depositing checks of comparable amounts twice a month ( excepting a 60-day window during the initial Co-Vid lockdown ) for XXXXXXXX  2.5 years.

When I called to learn why they are placing hold on his check, I was told it was because it was a paper check and would take that long to clear. The check is drawn on a competitor but is a local business. 

This hold is tantamount to my husband not a having a paycheck because the hold won't be released until 4 days before his next payroll. 

This is a small company and does not offer direct deposit because the business is prone to high turnover. 

The hold is disproportionate to the risk, especially since there is a clear history of the checks being deposited and clearing. This practice is going to cause undo hardship downstream. 

We are currently in a position to deal with this but i can not imagine if we were living paycheck to paycheck.

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 2020-09-26 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: FL

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

FLORIDA XXXX XXXX FLORIDA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FL XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FLORIDA XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FLORIDA XXXX XXXX FLORIDA 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 2020-09-26 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 — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
ON or about XX/XX/2020 I worked with PNC bank about an attempted charge of $ XXXX to a company " XXXX '' as well as XXXX $ XXXX payments on my debit card to food take out and delivery companies, one was XXXX. I was told about a credit by PNC 's card protections services and it would be sent to the fraud division. Wait a week and call ( can't find the number ) for results of what they found ... I waited a week and called THEY HAVE STONEWALLED ME. I can get no information to go to the police and pursue this, which I think is local. I will try to pursue this with the police but many days have gone by and I was misled about pursuing this. I have requested a complaint against PNC but get no evidence this will be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

FLORIDA XXXX XXXX FLORIDA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FL XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FLORIDA XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FLORIDA XXXX XXXX FLORIDA 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 2020-09-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

FLORIDA XXXX XXXX FLORIDA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FL XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FLORIDA XXXX XXXX FL XXXX XXXX XXXX XXXX MD XXXX FLORIDA XXXX XXXX FLORIDA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Collection agency ( Portfolio Recovery Associates LLC ) did NOT send any communication about the debts ( on 2 seperate accounts ) WITHOUT giving me the opportunity to dispute under Federal Law. I immediately BOTH a ) emailed and b ) send letters certified mail to : a ) email : PRA_Disputes@portfoliorecovery.com b ) Portfolio Recovery Associates, LLC Disputes Department XXXX XXXX XXXX. 
XXXX, VA XXXX I would like assistance on resolving this matter. 

- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I opened a paypal account in early XXXX i rhink and XX/XX/2020 paypal restricted my accojnt for i dont know whag reason I'm assuming it was me transferring funds and receiving funds from my best friend and boyfriend paypal account because they closed my boyfriend account as well. But I made no fraudulent transfers I wasn't selling anything and there were no complaints issued against me from anyone. It's fine that they want to close my account but I have XXXX still in the account that they are insisting on releasing after 180 days which is not fair and extreme bey supposedly hold funds for chargebacks which is impossible in mh case so i don't understand why the are holding my money. I've contacted them ghen several times the latest being XX/XX/2020 and still nothing. There isn't any possible way to speak with a live customer service agent its all via messages Rahat they reply to after 2 days. I've never had such horrible customer service before and I dont know what yo do now I just know I really need mh money im out of options and that 180 day wait is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
This is reference to complaint XXXX. 

It was never resolved. 

I have proof that the payment was sent on time. 

Barclay company claims otherwise, and wishes to keep the fee they charged me. 

On your site ( consumerfinance.gov ) it states the following : That depending on what YOU find, you can also do this : Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office. 

Since you failed to do anything about this matter, who do I contact next or who can you forward this to? 

Thank you, 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 2020-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I, XXXX XXXX, on XX/XX/2020 had visited a TD bank branch at XXXX XXXX XXXX, XXXX, NY where an international wire transfer was performed by the store manager and Vice President XXXX XXXX with a gross negligence or willful misconduct in performing the wire transfer services resulting in misdirecting my funds in the amount of {$5000.00} to the wrong account. I provided a correct information to Ms. XXXX, all the details such as names, XXXX, beneficiary account, address, but because of her gross negligence the funds were transferred to the wrong account in the correspondence bank in XXXX, where I have no account. The  XXXX, though, was indicated for the bank where the funds were supposed to be transferred to and with the address in a different country, which made a whole transaction an awful mess, which in its turn has caused a major inconvenience, a financial loss and emotional distress to me. Ms. XXXX who is a vice president (???? ) had refused to correct her error, but blamed me instead for not checking her computer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In the month of XX/XX/2019, the bank chase, closed my account, and does not want to return {$1000.00} that I had in my account, claiming that a deposit made to me by the XXXX  XXXX company was fraud and that the XXXX  XXXX company reported it as fraud, therefore chase informed me that he would close my account and withhold my money, because I would return it to XXXX XXXX, I approached chase to show the proof that everything was correct, but even so they They proceeded to close my account and take my money, to return it according to them, to XXXX XXXX, a situation that has never happened, because as of today, my money is still in the account, I have come several times to demonstrate them with evidence Chase, this was not a fraud, I even have the person who owns the XXXX  XXXX account, I speak with the bank to clarify the situation, but the bank still does not want to return my money, therefore I request that they help me with this situation, Well I was harmed, and actually the person who deposited me that money still tells me that everything is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently sent a request to all three Bureaus - XXXX, XXXX  and XXXX  reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 

1. The status is incorrect for the following account XXXX/XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The status is incorrect for the following account CITI Account Number : XXXX Please investigate and delete from 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 2020-09-26 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I now have filed 3 dispute letters with each credit companys i have been a victim of identity theft and these accounts was taken out in my name without my consent causing my family and business to suffer greatly. I am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation