vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 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: AZ

Complaint narrative:
Wells Fargo continues to put false information on my Credit Report about a payment being late in XX/XX/XXXX. I have sent multiple messages to them and also disputed with all 3 credit bureaus and nothing has been done. They never made an attempt to call me about any late payments, my account is current and I have never been late with anything in my life. This has affected my credit score by at least 40 points, which in return does not help with interest rates. I would like some help trying to get this big bank to stop bullying me by not removing false information from my credit report. 

Thank you

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 2020-10-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I mailed in a copy my dispute letter to experian on XXXX. It has been over 30 day and I have not gotten a response. I have Uploaded A copy of the letter and a copy of my driver 's licence and A utility

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 2020-10-26 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XXXX Date Opened : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
CONFIRMATION NUMBER : XXXX I am filing this complaint because Equifax has ignored my request to be provided with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has been 60+ days, far beyond the 30 days permissible by law and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have made a request of them to investigate. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
XX/XX/20 received a notice of late payment from Suntrust Bank XXXX TN. Called Suntrust XX/XX/20 This loan has been on auto payment since inception over three years ago. They have withdrawn payment on the sixth of the month every month since inception. On XX/XX/20 they did not withdraw funds and proceeded to send a late notice with fees. Customer service agent said it was my banks fault and I needed to pay. No offer to waive fee or correct their error of not drawing the funds. Also no information was given on credit reporting status.Asked for manager callback after XXXX XXXX CT. They called XXXX I was back at my job at XXXX XXXX and left message that started process all over again. Finally spoke to customer agent for online and said they closed my online account as innactive. They closed my online banking and never notified.

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 2020-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020 I issued a XXXX payment from my account to XXXX XXXX for the amount of XXXX, who banks with XXXX  XXXX XXXX. 

On XX/XX/2020, XXXX erroneously authorized another payment for XXXX to XXXX XXXX for a home inspection he can only perform once. 

I submitted a claim with Chase Bank to return the funds, which they denied. XXXX, not wanting to have the money taken a second time refused to return the money directly, and then filed a claim through XXXX  XXXX XXXX. Claim number XXXX. 

XXXX XXXXXXXX XXXX has stated numerous times the funds have been returned but Chase has not received them. I have been without money that rightfully belongs to me since XX/XX/2020. Both XXXX  XXXX XXXX and Chase are refusing to do the work to return the money and have essentially presented us with a " too bad so sad '' answer. 

There is no disagreement that the money never belonged to the person it was transferred to, but somehow we are still without our XXXX nearly two months later in the middle of a global pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
InXX/XX/XXXX, we traded in a vehicle that had been financed with NC SECU. Despite that, they reported our loan as delinquent from XXXXXX/XX/XXXX, before they finally updated our account to report as closed and paid off. However, when they did close the account out, they left the delinquency listings on my credit report from XXXX, which are not accurate. As a result, my credit score is now nearly 50-60 points lower than it should be because of their error. We have asked SECU to correct this error on a number of occassions, but they continue to report that our loan was late at the end of our term, despite the fact that we were no longer in possession of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: TX

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: NC

Complaint narrative:
In XXXX of 2020, we traded in a vehicle that had been financed with NC XXXX. Despite that, they reported our loan as delinquent from XXXX of 2020, before they finally updated our account to report as closed and paid off. However, when they did close the account out, they left the delinquency listings on my credit report from XXXX, which are not accurate. As a result, my credit score is now nearly 50-60 points lower than it should be because of their error. We have asked XXXX to correct this error on a number of occassions, but they continue to report that our loan was late at the end of our term, despite the fact that we were no longer in possession of the vehicle.

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 2020-10-26 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: NC

Complaint narrative:
Paypal has denied access to my account with funds in it and has been slow at " closing the account down ''. This has been delayed since early XXXX. It's almost been 2 months and I still do not have access to the funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
ONGOING ISSUE YET TO BE FIXED ALL YEAR!!! XXXX # XXXX On XX/XX/20, I submitted a complaint to XXXX and EQUIFAX, that my XXXX account ending in # XXXX not showing on my Equifax credit report. I have been trying to fix this issue all year long. Equifax blaming XXXX, XXXX blaming Equifax. This issue has been going on since XXXX! 

On XX/XX/20, I called XXXX to follow up on this issue for the 100th time this year, a representative told me my XXXX account ending in # XXXX will be reporting to my Equifax credit report within 3-5 business days. -THIS NEVER HAPPENED! 

On XX/XX/20, XXXX XXXX responded to my CFPB complaint and stated he see 's the issue and the account will be updated on my credit report within 30 days. -AGAIN, for the XXXX month, THIS NEVER HAPPENED. 

I've also received letters from XXXX representatives XXXX ( XX/XX/20 ) and XXXX ( XX/XX/20 ), stating that the issue is fixed and should be back reporting to my Equifax file. 

I need a STRONG XXXX manager and Equifax manager to contact each other and finally fix this issue!!! I'm tired of being told it will be reported in 30-60 days, everytime I call XXXX or Equifax, it's the same story. FIX THIS ISSUE NOW! Do not respond to this complaint until a manager from XXXX and Equifax has spoken and 100 % fixed this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have notice that i have a medical bill on my credit report that has been affecting my credit score.I haven't gave anyone my consent to share medical information with third-party consumers.This is a violation of HIPAA and it should be removed from my XXXX, XXXX, and Experian credit reports.Its been well over 30 days since I've received any results regarding my dispute with the 3 major credit bureaus ; XXXX, XXXX, and Experian.

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 2020-10-26 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: TX

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-10-26 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The accounts being reported are definitely " unverified ''.

( as per fcra section 609 and 605 ( b ) )

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 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: LA

Complaint narrative:
I am a victim of both Hurricanes Laura and Delta. In addition to living 3 weeks in 115 degree heat on generators to run the AC to dry out water-damaged sheetrock & tarping a house with buckets in the attic to catch rain, we had to file complaints with the LA Insurance Commissioner to get our insurance to pay on the loss. In the meantime, my husband lost his job & I lost my office & we got denied for an SBA loan that mightve helped me keep my business open. We paid for a roof on a credit card that we didnt have to save our house while we waited for a claim to settle. When that finally happened, we learned from our mortgager, M & T Bank, that they were going to keep our insurance funds pending repairs. Which is understandable. But ... they said they will pay us when the work is 100 % complete. It did not matter that we are already {$12000.00} in debt for a roof. We are not to receive funds until ALL repairs are made - 100 % of all items listed on the adjustors report. I asked how they can expect us to make repairs with money we dont have when the insurance released money but they refuse to release it to actually make repairs. XXXX said its just M & Ts policy. I was shamed for taking so long to get the checks & paperwork to them until I informed them about having to file Ins Commissioner complaints to get results & that when we got it, M & T got it. We have no jobs, little income, are on deferred morrgage payments for financial hardship from Covid & Laura & Delta. Despite all of this, M & T is refusing to pay out necessary funds to repair our home. We did our part despite hardship to salvage our house & minimize additional damage as best we could, insurance did their part by paying out for repairs, but it has all come to a grinding halt with M & T. We literally can not afford to pay out of pocket for repairs. And they know this because our payments are deferred. How is this legal? How can they do this to people? How can they get away with kicking us while we are down on the ground after these 2 natural disasters? How can they expect us to repair & protect our investment ( & theirs ) if they withhold the very funds we desperately need to do that? We need what little credit we have on our cards to live on. We can not afford to tie them up on repairs while we wait for inspectors to call to set up appts to report back to M & T to maybe or maybe not write us a check to waiting for that check from our sluggishly slow postal service that is recovering like the rest of us to depositing it in our bank to FINALLY being able to use it. Its just impossible. Please help us. All of us here in SWLA from the M & Ts out there. What options do we have? Please tell me what we can do. Please

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 2020-10-26 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Previously filed a complaint through CFPB with PayPal Credit, but it's run by Synchrony Bank, so I'm filing another report for them. It's their website through PayPal Credit. When I try to pay my PayPal Credit online, I get an error - " Sorry, there was a technical error. Please try again later. '' Same thing if I try to look at my online statements! They had to mail out a hard copy of my last three statements. That's a huge violation that I can't view my statements! This has gone on since XXXX XXXX. I called countless times for them to fix it and they haven't yet, as of the XX/XX/XXXX. I was hung up on several times. The website is : https : //paypalcredit.syf.comXXXX XXXX is Synchrony Bank The technical error lies with them, but PayPal Credit was also very rude by hanging up on me several times!

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 2020-10-26 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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-10-26 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: TX

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-10-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
On XX/XX/2020 I received a letter in the mail that stated I owed {$2100.00} and the due date is XX/XX/2020. The letter said that I owe an online payday loan from CashNetUSA and I would be taken to court if I did not get in touch with this debt collection company which is XXXX XXXX XXXX. I already paid my debt via a collection agency several years ago so I was confused when I received this letter. So I called the number on the letter from XXXX XXXX XXXX and spoke with a man named XXXX XXXX if that's even his real name. I gave him the file number that's on the letter and he looked me up on his computer and explained that I owe over {$2000.00} and that he was a debt collector I explained to him that I paid off my debt and it was nowhere near {$2000.00} he asked if I had any proof and I said yes. He then said okay well just pay 25 % of the {$2100.00} balance which is {$500.00} he said. I said no I'm not paying anything because I already paid off my debt and I have proof and I will call CashNetUSA to figure out what's going on here and that's when the gentleman said okay I will go into the system and write off your debt so you don't owe anything have a good day then he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Conduent Incorporated
State: OK

Complaint narrative:
I was told that my card was wrongly shipped originally just for it to have been correct and I now have two cards. I had questions about the card I registered with because it was an inactive card and instead of helping me I got the run around for 4 hours out of my day. The employees told me to keep calling the number on the back of my new card making it inactive and then they refused to unblock the card even though they told me that it is possible for someone in the company to unblock my card. I was then transferred to a supervisor where I asked him for his name so I could give my complaint and he only told me his first name ( XXXX ) he then talked over me while I asked my questions and gave the goodbye portion of the call hanging up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I got an XXXX prime visa credit card to get a discount on a book. Was supposed to be the only thing ever purchased on the card for {$4.00}. Then after that I changed it back to my XXXX XXXX card. XXXX on repeated occasions billed the XXXX XXXX card without my permission. As of today, a card that has been deactivated for months, XXXX tried to make it as my payment method. I have called XXXX and Chase and neither has been able to figure out how do do this. My credit score is down 100 points or so due to this. I have attached a picture from XXXX CST on XX/XX/2020 showing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I had Chase Freedom credit card that was opened in XXXX. It was closed by the company within a month and when I requested information regarding the closure, I was told it was due to an affiliate closing an account and so they closed their account. When I wrote to the Chase Executive office and asked for further details, i.e., the name of the affiliate and why either and/or both closed accounts, I was told that they would not provide that information.

Company response to consumer: Closed with explanation