vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I keep trying to use XXXX  to link my account to my external account ( XXXX  and XXXX  ) for transfers but it wont let me! It says the bank has to fix it but all my info is correct. It let me before now so idk what the issue is

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I deposited @ {$1500.00} dollars in state issued unemployment checks via mobile top my Chase checking account on Friday afternoon XX/XX/20. I was told i had a small amount available to me immediately and the rest would be accessible after XXXX XXXX  the next day. The next morning they were not there. I called again and was told by someone else that there is a 7 business day hold on the funds and they will not be available till XX/XX/20. I explained i was out of town with my daughter and we needed the money. They tried to tether the funds but told me they couldn't. When i told them they are govt issued checks and shouldn't be a problem plus i don't have any history of ever depositing bad checks, they told me there are issues with the checks?? My daughter and I had to cancel our plans and drive home with no money for food, gas, lodging e.t.c. I waited 3 months to get paid and now they want to hold my money longer??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjustment collections agency is engaging in the illegal practice of re-aging debt. An old collection fell off my report and they placed it back on as if it was brand new. I disputed the fraudulent action immediately with all three bureaus. This unethical company verified the debt was correct. Thats impossible. If they dont resolve this illegal matter immediately, I fully intend to sue as they are blatantly violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
First part of XX/XX/2020, I applied for a mortgage. NFCU sent me a denial letter and asked for it to be signed and returned back electronically. The decision states I owe obligations to others and something related to income which may be debt to income related. However, the information is so vague and I needed more explanations. I called and spoke to a representative who informed me NFCU didnt pull my full credit report as I asked for a copy of the report to try and obtain another lender. NFCU stated they didn't have it. I asked for NFCU to help me understand the decision with more detailed explanation and they refuse to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I just spent 3 hours trying to get into the Experian dispute site. I uploaded my drivers license and documents, over and over and over. It either timed out or said had to be in B & W. Then had to be in a .tiff. When I made it a .tiff and B & W, it would time me out or still say it couldn't verify who I am. 

Since I could I only pick 1 box, here 's the first complaint : they are reporting a 9 year old Chapter XXXX Bankruptcy to my active part of my report, allowing my FICO score to be pulled down. 

I already disputed the accuracy of this. In XXXX, XXXX, and XXXX of XXXX. It's STILL on there. 

Because I couldn't get into their faulty site, I used a free service on XXXX, which only pulls the Experian credit. Well there, 9 full years later, it states my credit score is only XXXX because of a " derogatory public record ''. After 7 years they can't report this for the score. 

Then it states " Few accounts paid on time '', must be referring to the Bankruptcy. I have TWO accounts. 
One with a {$0.00} balance, never late. 
Another with a {$400.00} balance, never late. 

I'll continue this complaint under the correct header. They also have that I currently have 27 accounts. I have TWO! They are reporting one closed in XXXX, and another from XXXX. 

It's currently 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 2020-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The original debt was {$530.00} from XXXX XXXX. I do not remember the original date but it was over 7 years ago. In XXXX or XXXX of 2020, I noticed It was removed from my XXXX  credit report. Now it's back on my XXXX  credit report from a debt buyer, National Credit Adjusters with a different open date of XX/XX/2020 and their collection date opened on XX/XX/2020. I also did not receive any collection notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I called bank of america edd customer service about gettjng emergency cash before i recievwd my card and they told me twice they didnt offer those services anymlre. But i emailed them and got an email bacj saying XXXX did. So i called back and tild them and ghey done everyghing they coyld not to help me. Please contact 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 non-monetary relief
Consumer complaint received 2020-06-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5600.00}, {$7000.00}, {$7100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my 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 2020-06-21 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: OK

Complaint narrative:
Hi, I would like for you to extended my bill payments for my capital one quick silver credit card and my plantinum capital one credit card company. 

By requesting a bill payments waiver program. To help me pay my bills. 



Thank you, Sincerely, Bye

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing this due to non-compliance with Experian. They have failed to remove information that was affiliated with personal detail that was challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 
ACCOUNTS : XXXX XXXX Account # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 2020-06-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
WHEN I OPENED MY CREDIT REPORT, I REALIZED THERE WAS FRAUDULENT ACCOUNTS OPENED IN MY NAME AS A RESULT OF IDENTITY THEFT. MY PERSONAL INFORMATION WAS USED TO GET PERSONAL LOAN. I HAVE NO IDEA WHO MAY HAVE USED MY PERSONAL INFORMATION TO OPEN FRAUDULENT ACCOUNTS REPORTING IN MY CREDIT REPORT THE ACCOUNTS LISTED IN THIS AFFIDAVIT WAS OPENED AS A RESULT OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$9200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my 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 2020-06-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$9200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my 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 2020-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
The original debt was {$530.00} from Speedy Cash. I do not remember the original date but it was over 7 years ago. In XXXX or XXXX of 2020, I noticed It was removed from my XXXX  credit report. Now it's back on my XXXX  credit report from a debt buyer, XXXX XXXX XXXX with a different open date of XX/XX/2020 and their collection date opened on XX/XX/2020. I also did not receive any collection notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
They close my account and they said the money that was given to me on the account they were going to mail me a check even though I wanted them to do the money transfer a direct deposit into another account and they said it be there in 10 days and its been over 30 Ive called him over and over again and theres always a problem

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 2020-06-21 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: CA

Complaint narrative:
Experian refused to correct my credit report, and refused to remove 90 Delinquent mark from XXXX XXXX card. 

XXXX XXXX had card charged 120 for executive renewal membership, without my knowledge. I didnt know about it, no clue until I received call informing I was 90 days delinquent. I immediately paid it, at this time. Hurt my credit score, but I didnt know. NOT Fair.

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 2020-06-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I see no record of payments made to XXXX XXXX in XXXX, XXXX, XXXX on my mortgage. 
Now the new holder of mortgage is attempting to collect {$42000.00} which has already been paid. 
XXXX went to XXXX and XXXX went to bankruptcy. I tried over the years to get info from XXXX with no success. Shellpoint Financial just picked up my mortgage in XXXX from XXXX, so XXXX has completely disappeared and XXXX disappeared with no record of my payments. I filed a claim against XXXX during bankruptcy, but the new company is totally ignoring my dilemma, saying it is overbroad. ( Shellpoint ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: FL

Complaint narrative:
I communicated certified Mail and online numerous times and this company has never shown any proof of the debt and also responds to XXXX  saying that the debt is verified but it NEVER has been, this company should be investigated as a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX  XXXX sold my debt to Radius Global Solutions. I paid Radius Global Solutions and I was told that Radius Global Solutions sent XXXX XXXX XXXX XXXX notice that the debt was paid. 

I have continuously disputed this with all three Credit Bureaus and each time XXXX XXXX XXXX  XXXX replies, they continue to update that the amount is owed to them. I am attaching the letter from Radius Global Solutions as evidence that the debt is paid.

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 2020-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
CAPITAL ONE BANK USA sold my debt to XXXX XXXX XXXX. I paid XXXX XXXX XXXX and I was told that XXXX XXXX XXXX sent CAPITAL ONE BANK USA notice that the debt was paid. 

I have continuously disputed this with all three Credit Bureaus and each time CAPITAL ONE BANK USA replies, they continue to update that the amount is owed to them. I am attaching the letter from XXXX XXXX XXXX as evidence that the debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: CA

Complaint narrative:
The American Express Gold has an annual {$100.00} travel credit. I used the {$100.00} travel credit on several different XXXX XXXX reservations to pay for taxes and fees and was reimbursed by American Express ( I received statement credits totaling {$100.00} for the taxes and fees that I paid with my Gold card between XXXX and XXXX ). I was unable to travel at the time and had to cancel those reservations and received refunds from XXXX XXXX. Last week after I cancelled the Gold card American Express billed me for the {$100.00} in statement credits that I received and claimed after the fact that because the flights were cancelled that I should not have been eligible to receive the statement credits from them. I have it in writing from American Express that any refunds from XXXX would automatically reduce my statement balance without mentioning anything about the credits being clawed back.

Company response to consumer: Closed with explanation