vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
On XX/XX/2020, an international payment of {$2500.00} USD was made by myself to be sent by NFCU, to be sent to XXXX XXXX XXXX XXXX, who was using XXXX as an intermediate bank, account for a student loan payment for my wife. After no seeing the account credited for 2 weeks, we called NFCU again where we realized that there was a digit missing on the form 's student account number, and the money was most likely being held by the intermediate bank. NFCU then sent a message to the intermediate bank to update the account number. After another 2 weeks, we contacted NFCU again who had no further updates, but recommended we contact XXXX XXXX XXXX in the XXXX. We contacted XXXX XXXX XXXX, and they said they couldn't do anything and to reach out to XXXX. We reached out to XXXX and they informed we would have to intiate a withdrawal via NFCU. We requested a reversal of funds on XXXX where we were told it would take 3-5 business days. On XXXX I contacted NFCU once again, as I had not recieved my funds, however I was informed that the 3-5 business day referall was incorrect and that there was no time determination of when I could ( if ever ) recieve my funds back. I escalated the case to a supervisor, and asked to file a formal complaint with the company at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
XX/XX/2020 XXXX XXXX Called IFS to extend payment due to COVID-19,  per their webpage. 
Spoke to XXXX. 
He extended month of XXXX. 
Next payment XXXX Two weeks later, I'm getting collections calls about past due payment. 4-6 per day from a number not on the IFS website. When I answered, agent only knew my name and type of car and said " you know why I'm calling. '' On Monday, I called IFS : XX/XX/2020 XXXX XXXX Logged into portal. Saw payment extension wasn't there. No record of it. 
Called IFS. 
Spoke with XXXX. Note : I asked to confirm her name and didn't get a response, I didn't think anything of it at the time. 
She indicated she did see my call and agreement to move to XXXX. 
Claims she updated the system and it should be reflected by Friday on Portal. 
I asked what if not? Said it would be and apologized for the inconvenience. 
I said I don't trust this conversation given my last experience and that this is not an inconvenience, this is a failure. Who can I talk to? 
Then, I hear a sound that sounded like being hung up on. I stayed on. Feels like a trick to get me to hang up. 
About a minute later she came back on the line and said, " I thought I lost you. Please hold for a supervisor '' without being given a chance to say a thing. 
After about five minutes of waiting for supervisor, I hear : " Thank you for calling Nissan Motor '' then beep beep beep, hung up on. 
The XXXX website has several reviews with other consumers having similar issues. 

Also worth noting that the account number shown on their portal can't be copied, making it more difficult to fill out this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
the attached paper will show you that this is an inaccurate collection for which experian is reporting under my name, this is a medical debt that i do not owe and it was paid cash long time ago, i have disputed this inaccuracy through experian many times and they are not removing this inculcate information. i have also mailed and uploaded the attached letter to experian and to the creditor. please have this inaccuracy removed from experian reporting.

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 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian lists me at two addresses in Florida. I have never lived in Florida. When I tried to remedy this, the claimed that the addresses have been verified. I don't know how these addresses could be verified if I don't live there at all.

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 2020-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERIS BANCORP
State: AR

Complaint narrative:
I have paid off my loan and have not received my title or release of the lean Document. I started with XXXX XXXX and they were purchased by Ameris bank. My experience is calling a phone system with dozens of options none fit. When I do finally get to the correct department it seems to be a race to get me off the phone asap. When I tried to pay of the loan they didn't explain process what so ever. I mailed in a check as no digital options or branches in my state. I waited and after a month or so I called. After extreme difficulty getting any information, they mailed it to the wrong address. I attached in the pay off my correct address. I was auto pay and did not access my account online. I have received correspondence at my address of 30+ months from Ameris bank on multiple occasions. I contacted a manager and he stated that he would send it and over a week later I still have not received it. I am getting nowhere and no one seems to resolve problems when the automated computer can't do it for them. I feel like my efforts at this point are futile. Please help me I just want the title I have paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
On XX/XX/2017 I took out a loan from XXXX XXXX XXXX. It was a 'Time Share ', agreement. After several years of timely payments, I couldn't afford the payments because of economical hardship. I tried numerous time to settle and get out of this dilemma, but they refused to reason with me. All of a sudden, the loan escalated from {$1200.00}, original amount owed from {$5100.00}, to {$6800.00}. They forwarded the loan to Monterey Collection Services and the amount skyrocketed to {$10000.00}! I plead and plead to allow me to 'settle ' this situation, but they continue to threaten me with law suits and to damage my credit. I'm scraping just to pay the minimum trying to salvage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Original Creditor, XXXX XXXX  XXXX XXXX reports my account as a charge-off and updates this balance every month with an open balance of {$520.00} ( having added fees to a credit card that had a limit of {$300.00} ). XXXX lists 39 charge offs, and when I have disputed this MANY times with each credit bureau, XXXX reports to all of the Credit Bureaus that the balance is correct. I thought that charge-offs that have been sold to collections companies are supposed tor reflect a {$0.00} balance, rather than listing an open balance and updating each month. I expressed this to XXXX, which leads me to believe this is intentional illegal activity. 
At the same time, Portfolio Recovery, a debt Collection company, reports an open balance of {$580.00} on the same XXXX XXXX, claiming they own the debt. I disputed this account with the credit bureaus after XXXX updated and says the current open balance is correct. 
Fees have been added on to this account by the Original Creditor ( XXXX ) which raised the balance, my account is updated monthly as a charge-off, and the balance is open-as both companies claim to own this debt. 
( What is also strange, is that XXXX reported payments to my account that I do not think I made, thus making the date of delinquency appear " newer '' by a year, in XXXX. ) I believe this reporting by XXXX and Portfolio Recovery to be intentional, abusive, and illegal, resulting in the appearance of excessive charge-offs ( listed as a new charge off every month! ) and a higher debt-to-income ratio, as well as the appearance of two defaulted accounts, since both companies refuse to correct my account information and list on my credit report that " account was disputed, but the account information they are reporting is accurate ''. 
This has caused my to have higher interest rates, be rejected for an auto loan and to be considered for a fair interest rate, FOR THREE YEARS. 
This debt cycle is one that is hard to recover from, and XXXX, which already has very high fees and interest, intentionally has entrapped me FOR THREE YEARS with this illegal reporting. 
I have disputed the fact that two open balances can not be accurate, and nothing changes. I have called both companies to explain, and XXXX representatives say " they have no way of changing this '' and Portfolio representatives simply mocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX reports my account as a charge-off and updates this balance every month with an open balance of {$520.00} ( having added fees to a credit card that had a limit of {$300.00} ). XXXX lists 39 charge offs, and when I have disputed this MANY times with each credit bureau, XXXX reports to all of the Credit Bureaus that the balance is correct. I thought that charge-offs that have been sold to collections companies are supposed tor reflect a {$0.00} balance, rather than listing an open balance and updating each month. I expressed this to XXXX, which leads me to believe this is intentional illegal activity. 
At the same time, XXXX XXXX, a debt Collection company, reports an open balance of {$580.00} on the same XXXX XXXX, claiming they own the debt. I disputed this account with the credit bureaus after XXXX updated and says the current open balance is correct. 
Fees have been added on to this account by the Original Creditor ( XXXX ) which raised the balance, my account is updated monthly as a charge-off, and the balance is open-as both companies claim to own this debt. 
( What is also strange, is that XXXX reported payments to my account that I do not think I made, thus making the date of delinquency appear " newer '' by a year, in XXXX. ) I believe this reporting by XXXX and XXXX XXXX to be intentional, abusive, and illegal, resulting in the appearance of excessive charge-offs ( listed as a new charge off every month! ) and a higher debt-to-income ratio, as well as the appearance of two defaulted accounts, since both companies refuse to correct my account information and list on my credit report that " account was disputed, but the account information they are reporting is accurate ''. 
This has caused my to have higher interest rates, be rejected for an auto loan and to be considered for a fair interest rate, FOR THREE YEARS. 
This debt cycle is one that is hard to recover from, and Synchrony, which already has very high fees and interest, intentionally has entrapped me FOR THREE YEARS with this illegal reporting. 
I have disputed the fact that two open balances can not be accurate, and nothing changes. I have called both companies to explain, and XXXX representatives say " they have no way of changing this '' and XXXX representatives simply mocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Original Creditor, XXXX XXXX XXXX XXXX reports my account as a charge-off and updates this balance every month with an open balance of {$520.00} ( having added fees to a credit card that had a limit of {$300.00} ). XXXX lists 39 charge offs, and when I have disputed this MANY times with each credit bureau, XXXX reports to all of the Credit Bureaus that the balance is correct. I thought that charge-offs that have been sold to collections companies are supposed tor reflect a {$0.00} balance, rather than listing an open balance and updating each month. I expressed this to XXXX, which leads me to believe this is intentional illegal activity. 
At the same time, XXXX XXXX, a debt Collection company, reports an open balance of {$580.00} on the same XXXX  XXXX, claiming they own the debt. I disputed this account with the credit bureaus after XXXX updated and says the current open balance is correct. 
Fees have been added on to this account by the Original Creditor ( XXXX ) which raised the balance, my account is updated monthly as a charge-off, and the balance is open-as both companies claim to own this debt. 
( What is also strange, is that XXXX reported payments to my account that I do not think I made, thus making the date of delinquency appear " newer '' by a year, in XXXX. ) I believe this reporting by XXXX and XXXX XXXX to be intentional, abusive, and illegal, resulting in the appearance of excessive charge-offs ( listed as a new charge off every month! ) and a higher debt-to-income ratio, as well as the appearance of two defaulted accounts, since both companies refuse to correct my account information and list on my credit report that " account was disputed, but the account information they are reporting is accurate ''. 
This has caused my to have higher interest rates, be rejected for an auto loan and to be considered for a fair interest rate, FOR THREE YEARS. 
This debt cycle is one that is hard to recover from, and XXXX, which already has very high fees and interest, intentionally has entrapped me FOR THREE YEARS with this illegal reporting. 
I have disputed the fact that two open balances can not be accurate, and nothing changes. I have called both companies to explain, and XXXX representatives say " they have no way of changing this '' and XXXX representatives simply mocked 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 2020-06-29 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX I brought a leather jacket from XXXX XXXX XXXX XXXX   XXXX total cost {$110.00} On early XXXX I called Pay Pal to report this was a scam and fraud. They was to put a hold on account. 2 mounts later case was solved on my be half. 
XXXX was credited back on my account. but was billing me for late fees of XXXX. 
Now account was put on hold and was not to charged late fees or anything else. call Pay Pal but no one knew what I was talking about. still getting bills for late payments for a scam and fraud case. now I was turned for a small loan for lawn mower.

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 2020-06-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank Of America failed to fulfill their responsibilities to get me my money back from a XXXX ( XXXX XXXX ) in the amount of {$950.00} for service that was never rendered / cancelled by the operator. 
I made reservation via XXXX to fly to XXXX on XX/XX/XXXX that arrives in XXXX on XX/XX/2020 Itinerary # XXXX ( airfare ) Confirmation # XXXX XXXX / the operator cancelled my flight before my fly date. XXXX notified me of the cancellation on XX/XX/XXXX via email, I opened a dispute in the first week of XXXX against XXXX via Bank of America since merchant wasn't cooperative. yet Bank of America ruled the disputed in the favor of Merchant 3 month later ( XX/XX/2020 ). It's a moral imperative that Bank of America protects their customers from crocked merchants. 
XXXX breached the purchase contract - terms and conditions, they cancelled my trip, and ruined my plans to attend a wedding, I must get my money back from them. 

I made the reservation with the intention of going to attend a wedding, that XXXX cancelled the flight for, I don't see my self going to XXXX for at least 5 years, so any resolution in the form of airline credit is unacceptable. XXXX offered 12 month airfare credit, that I don't see myself using at all with the COVID situation. 

Bank of America should have ruled the dispute in my favor and gave me my money back. I am appalled by the results and negligence of your staff handling the case, this maybe the end of journey with Bank of America. 
My wife had the same ticket booked but using chase card, and we got our money back immediately, and chased ruled the dispute in our favor. 
Very disappointed at your bank and your staff, specially the last time I talked to the staff, they sounded very short and scripted. they don't evaluate disputes case by case, they read from script. 



I would like this dispute to be ruled in my favor and get my money back {$950.00} from the crocked merchant. 
Merchant violated the terms and condition and cancelled my trip. I didn't cancel the trip. 
Any airline credit isn't acceptable, because I will not be traveling to XXXX for the next 5 years.

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 2020-06-29 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: Monterey Financial Services LLC
State: TX

Complaint narrative:
In XX/XX/2011 the U.S. Bankruptcy Court filed a Chapter XXXX bankruptcy judgement against me and my husband. We went through all the stipulations warranted by the courts. Our allotted time has expired and we would like this conviction erased from our credit reports, so we can move forward and re-establish our respect and dignity. 

Reference # XXXX : Discharged. Joint filing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
I noticed my Auto pay stopped for my car loan on XX/XX/2020. I contacted 5th 3rd bank, my auto loan provider, to find out why. The rep told me he was not sure why, but it probably had to do with the fact it was one of my last few payments. 

I paid off the entire balance on my loan on the phone that day ( {$590.00} ), and shortly after received my title. Now my credit has gone down 115 points!! I have contacted 5th 3rd bank to see what they can do for me, but they said I need to file a complaint. 

No one told me my auto pay would randomly stop. How would I know?! I honestly thought that the auto pay stopped because the loan was paid off!!! 

I also received 2 letters from them. One says I owe them {$590.00} on XX/XX/2020, while the other says I am past due in the amount of {$590.00}. Both letters are dated for XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This account is in a Chapter XXXX Bankruptcy executed by XXXX and XXXX XXXX XXXX XXXX I have paid all post petition payments up to date. 

XXXX XXXX continues to report this account 180-150 days late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all attorneys were provided this information on numerous occasions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continues to report incorrect information, continues to pursue aggressive foreclosure procedures ; continues to hold {$2900.00} of Borrowers funds in a Bankruptcy Que Suspense account without interest. 

They have refused to provide the purpose of the account and why the funds re not applied to post petition payments. 

They have also refused to provide an accurate accounting of payments with pre and post petition charges. 

Please assist. 

The details and comments of your account **** XXXX is with XXXX XXXX XXXX XXXX . changed. This Conventional Real Estate Mortgage comments changed on XX/XX/2020 : Comment 1 : Real estate mortgage Comment 2 : Conventional mortgage Comment 3 : 150 days past due Important Notes : If you believe the details or comments are incomplete or inaccurate, contact XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX. 
It can be a good idea to check your credit reports to make sure the information is accurate and complete. You should review your credit reports regularly to watch for suspicious activity.

Company response to consumer: Closed with explanation