vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX - Cosigner for daughter 's Private Student Loans During the summer of XXXX, my daughter requested and was approved for an XXXX - modified payment arrangements on her student loans cosigned by myself and her father. 

Although approved in writing, the monthly payment amounts were not reflecting the agreed-upon amounts. We were concerned as we understand the impact of late Student loan payments. 

After many calls to XXXX and many promises to fix the problem, it was finally discovered by a Supervisor they had made an error. My daughter was never eligible for an XXXX to begin with, which was the root cause of the agreed-upon payment amounts not being reflected on our statements. 

By the time the error had been discovered, 26 of her student loans were reported to the credit reporting agencies and impacted both her credit score and mine for months XXXX, XXXX, and XX/XX/XXXX. 

The loans were all brought to current and it was recommended by an XXXX Supervisor to send a credit dispute form to request the 26 late payments be removed from our credit report. 

This was done XX/XX/XXXX, and a response was received stating in part " ... Based on this review we sent corrected information to the consumer reporting agencies to which the information was previously reported for the loans listed .... ''. 

We thought great, they have done a good job correcting an error they had made. It was not until I pulled my annual free credit report in XX/XX/XXXX, did I discover what they really did. Instead of removing the late payments as we thought, they only put a comment on each of the late payments of " Consumer disputes after resolution '' on our credit reports. This fixed nothing at all so, I sent yet another letter in XXXX XXXX.Their response was they are not going to do anything further with the issue. 

AESs errors have severely impacted our credit ratings negatively and they are not willing to remove our late payments for XXXX, XXXX, XX/XX/XXXX for the 26 student loans. 

Please, anything your organization can do to help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: OH

Complaint narrative:
I don't ole this. They got my name spelled wrong and 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 2020-05-28 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: NJ

Complaint narrative:
Experian refuses to take off a charge that doesnt even have my name on it. I have no idea how a delinquent is linked to me when the other 2 credit bureaus dont have anything about it. This is harassment and fraud!

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 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Bank of America Acct # XXXX On XX/XX/XXXX, my account was closed due to insufficient funds. I paid the fees in person around XX/XX/XXXX. It still showed as non-payment. I lost the receipt so fast-forward to XX/XX/XXXX XXXX. I went back to BOA, paid the {$290.00}. This time, I have my receipt. I rechecked XXXX and the {$290.00} still shows as unpaid. When I call into BOA, the representatives do not know how to help me and dont know when it will be removed. Please assist in showing the charge off amount was 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 2020-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
They said I ole a hospital bill, and i always had insurance, and they billed XXXX and not my insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This is my third complaint with this company. I was having health issues and explained my situation to this company. I also informed them that I would not be in a position to make a payment for the month of XXXX due to my condition. I was told by one of their representatives to submit the payment for XXXX and they would allocate the monies for XXXX. I submitted a payment of {$100.00} and requested that {$50.00} be applied to XXXX and {$50.00} applied for the month of XXXX. I have tried to go take the proper steps by explaining my situation to this company to no avail. I keep getting a reply that the information furnished to the credit reporting agencies is accurate. I am not disputing that the information is inaccurate, but what I am disputing is given misinformed information from customer service representative that work in this companies behalf. As a result a negative 30-day late was reported on my credit file. This an error or misstatement of the part of this company and should be corrected immediately. An exception should be applied to this situation due to me not being given the correct information. This company states that a XXXX payment was not made and this too is inaccurate information. I will continue to pursue this issue until it is completely resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Basically, Wells Fargo ( WF ) has taken our money ( almost {$5000.00} ) and is holding it hostage. Lets start from the beginning. Back in XXXX we linked a non-Wells Fargo account ( XXXX XXXX XXXX ) to our WF 's bank account. We followed the prompts WF required for the transfer. WF took the money out of our XXXX account then froze our WF account to investigate if this was a possible fraudulent transaction. We were in FL closing on a property at the time and XXXX was back in Nebraska. Once we returned to XXXX, we went to our XXXX XXXX, obtained the required documentation WF requested and went to a WF branch and provided it to them. We were required to show the funds were taken out of our XXXX account and that our XXXX account was legitimate. One we provided the documentation from XXXX in person to a WF branch, a banker at WF worked to unfreeze our WF account. Once it was unfroze, the funds never came. We called WF and they have officially lost our money. We have been assigned multiple people who will not answer our calls. They will assign us a WF employee who has 10 business days to investigate, if they can not find our money, we get assigned another employee who has an additional 10 business day to investigate and so on. They are now saying they have until XXXX to investigate. An employee from XXXX has cooperated fully and has provided WF will all documents which shows WF withdrew the money from our XXXX account. I am not sure how a bank during a pandemic can take OUR money and not give it back. WF is bouncing us around, assigning different employees to prolong returning our money. I am pretty confident if a customer was a day late on a bill or had an overdraft, WF would take minutes to tack on late/overdraft fees. How can they get away with this? How is this legal? In what scenario can a bank take OUR money and not give it back? Why won't they deposit our money into our account while they investigate? This is the absolute worst time they can have complete disregard for us. I understand they are a large company, but they should not be able to hold our money hostage and get away with 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 explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: WV

Complaint narrative:
Date of this happening : XX/XX/2020. The total transfer amount is XXXX USD. I am requesting a withdraw from my XXXX XXXX digital wallet via XXXX and transfer them to my PNC account. However upon trying to transfer the XXXX in question, the transfer displays and error message saying that PNC servers are down and that they can not complete the transaction. I called the PNC support line and was told the problem was with my specific computer and browser, yet I am able to transfer money from my XXXX wallet to my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Pnc isnt working with XXXX  so Im unable to link my account which is causing me to incur fees to transfer XXXX  says its PNC, PNC says its a security measure

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I would like to have my investment application to have access to my account. Specifically XXXX. They have the option of " XXXX XXXX '' investment. It takes your purchases and rounds them up to the nearest dollar and invests that difference. I cant do this due to PNCs security.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: VT

Complaint narrative:
I applied for a mortgage refinance with Guaranteed Rate on XX/XX/XXXX. On XXXX an appraisal was order on my property. The appraisal was conducted on XX/XX/XXXX. The appraiser sent the appraisal to Guaranteed Rate on XXXX. I requested a copy of the appraisal from Guaranteed Rate on XX/XX/XXXX and they denied they had it. On XX/XX/XXXX Guaranteed Rate informs me they have the appraisal, that it came it low but they still do not send it to me. On XX/XX/XXXX they add 3 points to the loan and change the loan amount. On XX/XX/XXXX I canceled my application. On XX/XX/XXXX they try to send me a copy of the appraisal, in the email it says " Per ECOA we need proof you have received your appraisal before we can complete the application withdrawl ''. 
By withholding the appraisal they did not afford me the opportunity to check for error and omissions and possibly challenge the appraisal. I feel like this was a bait and switch situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: GA

Complaint narrative:
I tried to link my XXXX XXXX account to my PNC account to transfer money fro. My PNC account to XXXX XXXX  and they are denying the transfer with a block

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
EXETER FINANCE XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX Date Opened XX/XX/2019 Charge Off Amount {$8600.00} My account with Exeter is showing as being charged off with a balance. 
The vehicle was voluntarily surrendered back to the dealership after it was found that the vehicle was in need of a transmission. I spoke with the sales person explaining my findings about the vehicle, I was instructed to surrender the vehicle and at that time the loan will be closed. I have tried disputing the account several times but haven't received any response from EXETER FINANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Starting on the XX/XX/2019, I fell victim to a fraudulent Crypto Currency company named XXXX ( the Company ). Money was transferred from my account to the Company via wire transfer for a total amount of XXXX GBP utilizing Coinbase services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have 2 problems with my Wells Fargo Mortgage. 

1. I had a bankruptcy around XXXX. In the bankruptcy, the home mortgage was reaffirmed. There has NEVER been a missed payment, yet WF still treats it as in bankruptcy, now 20 years later and will NOT take it out of that status. I have called multiple times and they will not fix. I don't know what to do. I would like my mortgage reported as paid on my credit report and the bankruptcy status removed. 

2. My mortgage is variable rate and is due to be reassessed in XXXX or XXXX. I made my last payment for XX/XX/XXXX on XX/XX/XXXX. Now the bank will NOT let me make anymore payments. This means I can not pay ahead, I can not make ANY additional principal payments, and they get to continue to charge interest. I have emailed and called the bank and no one seems to be able to resolve this. I started attempting to make additional mortgage payments on XX/XX/XXXX and they still will not allow.

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 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2020 at XXXX XXXX  I made a {$2000.00} deposit ( XXXX {$100.00} bills ) at a Chase bank ATM located at XXXX XXXX XXXX, XXXX XXXX, GA. I received a printed receipt with the message " To be sure your deposit went through, please call us at XXXX, '' that also listed sequence # XXXX, XXXX   # XXXX, and Term ID XXXX. 

Immediately, a bank employee helped me to call the number from one of the branch phones and I submitted a claim to receive credit for the missing {$2000.00} deposit. I received confirmation the investigation was opened. 

On XX/XX/XXXX, a letter was issued to me from Chase ( Claim Number : XXXX ) claiming that no deposit was made. This is demonstrably false, and a review of the camera footage at the branch and ATM ( inside of the branch ) in question would prove that. I also have my receipt indicating that there was a problem with my deposit. 

I am attempting to do everything possible to recover these funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
PayPal is holding my money for my non profit, PayPal has no way to contact them to do customer service. PayPal has blocked my money for my non profit football team and is making it so I can not pay for my kids uniforms. When I try to verify my account PayPal will not let me. I have tried to contact PayPal and you can not get a representative on The phone like how I could before. PayPal needs to stop holding my money up because it looks like a scam to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I use XXXX XXXX XXXX and have a PNC credit card account. My credit card was compromised and I received a new card. When I went to update the card on XXXX  website XXXX  received a message that PNC will not allow them to link.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
We started the process of our va home mortgage loan XXXX week fo XXXX. I informed Rocketmortgage / quickenloans that tartlet date is XXXX  of XXXX coz the seller will go back to his town in Idaho. Ive been emailing calling them for 3 weeks no update. This time I called and got mad now they are starting the loan process asking again all the requirements and did credit check 2x. This is really bad. Now theres no new update

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I am XXXX years old and struggling to make payments. I've been paying on this loan for a nymber of years ( over $ 300/mo ) and despite all efforts can't seem to get relief. Despite all my payments, the loan amount has only decreased about {$600.00} in the last 8 or 9 years. I've tried to get into my account to get more specific information but with all the changes they've made I can't even seem to be able to log into my account now. I've spoken to them in the recent past and was not able to get any satisfaction. Please help me by letting me know what I should do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
It has over a month and XXXX  has not updated my account properly. There is a credit card by unify financial showering a balance of {$1000.00} that is paid in full to XXXX  and has been XXXX for some time and it will not update. I have already tried disputing it. Also the credit card I have through XXXX- XXXX balance is incorrect 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 2020-05-28 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the company below : GM FINANCIAL XXXX 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 checked 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 response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
On XX/XX/2020 I went into a Lowe 's Store # XXXX and asked to open a revolving credit card account as advertised, we were put into a card used for contractors without our permission. Bait and Switch is the term I have heard used. Nothing was provided to us after account opening and after four months and a dozen requests still have not received a statement or anything explaining the terms. The store and manager have let me down. 
I have not heard anything for the past month after numerous attempts and overnight letters. As far as I understand Credit reporting, what Lowes did was illegal in my opinion. 
Thank you XXXX 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 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Bank of America promised {$300.00} bonus when you opened up their checking account by a certain date and make {$4000.00} in direct deposits not including transfers from other bank accounts you have. I made the deposits and when I called at the beginning of XXXX they said I would receive the payment by XX/XX/XXXX. I waited until XX/XX/XXXX and I hadn't received it so I had to waste time to call again. When I called again he said I met the requirements but it would be another 50 to 60 days. No where does it say these time frames in the offer and it appears to be a big and switch. Bank of America just keeps saying the bonus will come in the future so you don't close your account when you realize they don't have drive thru locations anymore. Why on earth would a mother of XXXX young kids want to expose their children to the germs of tons of people in the lobby?

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