vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
PNC Bank improperly removed XXXX  from my account to pay a mortgage payment that was not due. I have done automatic bi-monthly payments on the due date and have been 1/2 payment ahead for almost 5 years.  Although I know its a glitch in their system, they have refused to reverse the payment prior to an investigation even though they are well aware that my regular payment has already been made. I have never missed a payment and this change to their procedure on my account was unnecessary.  Since they will not immediately return the money that was not due them, I think from a legal standpoint, they have converted my money and have committed theft. They have now advised that the funds will be returned to my checking account in 5-7 business days.  I am questioning the method on how this is being handled.  If this was a third party fraud, the funds would have been conditionally returned to my account immediately.  Since it was PNC who committed the fraud, it make no sense that they are keeping the funds pending their own investigation. PNC is well aware that no payments are due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: SD

Complaint narrative:
I have 4 private loans with Navient that all have HIGH interest rates. 

1. $ XXXX@ 15.375 % 2. $ XXXX@ 15.375 % 3. $ XXXX@ 9.500 % 4. $ XXXX@ 15.375 % The last time I checked my credit score, it's in the mid to high 700s. 
There's no reason why they can not work with me to lower my interest rates. 
Plus anytime I get into a program with them, my payment goes to interest rates primarily. 
It makes it almost impossible to bring down my principal when everything goes to Navient. 

Please help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Paid for two concert tickets by XXXX XXXX with my Chase visa debit/credit card. 
The purchase was made XX/XX/19 at XXXX. We discovered the tickets were frauds at the venue and contacted Chase at XXXX to institute a claim. They were very brief on the phone and were not interested in any of the information that we had available and offered to provide to help with their investigation. 
We received a letter from chase today stating that " we found the transaction was processed correctly or was authorized ''. The letter additionally states they will be deducting the {$150.00} from my account on or after XX/XX/19. What I find interesting is that Chase has the transaction date as XX/XX/19 which indicates that they had time to cancel the payment but did nothing to protect my interests. 
What is even more weird is that no one from Chase ever contacted us for any additional information or documentation. How did they conduct an investigation???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-06 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX has lates that I should not have. I started bill pay with XXXX XXXX to pay my mortgage and I did not know that they were taking 7 days to send it. On the XX/XX/XXXXlate I went into the bank and paid it XXXX XXXX processed it like a cashier 's check which charged my bank an extra {$50.00}. All my efforts to get these lates removed have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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:
XXXX XXXX XXXX XXXX # XXXX has lates that I should not have. I started bill pay with XXXX XXXX  to pay my mortgage and I did not know that they were taking 7 days to send it. On the XXXX late I went into the bank and paid it XXXX XXXX processed it like a cashier 's check which charged my bank an extra {$50.00}. All my efforts to get these lates removed have done nothing.

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 2019-08-06 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: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX # XXXX has lates that I should not have. I started bill pay with XXXX XXXX to pay my mortgage and I did not know that they were taking 7 days to send it. On the XXXX late I went into the bank and paid it XXXX XXXX processed it like a cashier 's check which charged my bank an extra {$50.00}. All my efforts to get these lates removed have done nothing.

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 2019-08-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover Student Loans On Saturday XX/XX/XXXX, I received a phone call at XXXX about my missed payment. I believe that is outside of hours that a company should be calling about a missed payment. I called Discover at XX/XX/XXXX to stop calls and only communicate by email or regular mail. I was told OK. 

Then today XX/XX/XXXX, I have now received 4 phone calls. I resorted to scheduling a payment to stop the calls. On happened while I was with a doctor for my child. 

This constant harassing about a payment at most two weeks late is too much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I went on loan with my son so he could buy a car from Carmax. 
When he could not pay the car on time I would pay for him on time. This XX/XX/XXXX my son traded the car in on a new one. The new car lot called got pay off amount and told Carmax what was going on. No one called me or mailed me or emailed me of any problem. 
Car was payed off in XX/XX/2019 and now show on my credit report that payment Status 30-59 Days Late. 
Car was payed off in full and Carmax was informed that my son got new car and they would be payed in full. They should not hit me for late payment on last payoff when they know what is going on. Payment Status needs to be fixed on my report to no days late. 
Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 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: NY

Complaint narrative:
Below listed are accounts that appears on my credit report that doesn't belong to me.I have not given anyone access to nanny of my personal information to apply for credit cards or loans in my name. 


1 ) XXXX XXXX XXXX -opened XXXX XXXX amount {$1700.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$440.00} 3 ) XXXX  XXXX XXXX opened XX/XX/XXXX amount {$420.00} 4 ) XXXX  XXXX XXXX XXXX opened XX/XX/XXXX amount {$5600.00} 5 ) XXXX XXXX opened XX/XX/XXXX amount {$1900.00} 6 ) XXXX XXXX XXXX opened XX/XX/XXXX amount {$15000.00} 7 ) XXXX XXXX XXXX opened XX/XX/XXXX amount {$12000.00} 8 ) US DEPT OF EDUCATION opened XX/XX/XXXX amount XXXX 9 )  DEPT OF ED/ XXXX opened XX/XX/XXXX amount 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 2019-08-06 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: NY

Complaint narrative:
Below listed are accounts that appears on my credit report that doesn't belong to me.I have not given anyone access to nanny of my personal information to apply for credit cards or loans in my name. 


1 ) XXXX XXXX XXXX -opened XXXX XXXX amount {$1700.00} 2 ) XXXX XXXX  opened XX/XX/XXXX amount {$440.00} 3 ) XXXX  XXXX XXXX  opened XX/XX/XXXX amount {$420.00} 4 ) XXXX XXXX XXXX XXXX opened XX/XX/XXXX amount {$5600.00} 5 ) XXXX XXXX opened XX/XX/XXXX amount {$1900.00} 6 ) XXXX XXXX XXXX  opened XX/XX/XXXX amount {$15000.00} 7 ) XXXX XXXX XXXX  opened XX/XX/XXXX amount {$12000.00} 8 ) US DEPT OF EDUCATION opened XX/XX/XXXX amount XXXX 9 ) DEPT OF ED/ XXXX opened XX/XX/XXXX amount XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I called Moneylion to close the accounts opened with them in XX/XX/2019. I still received emails even after closing my account talking about my open accounts, to which I sent a note to customer service on XX/XX/19re-iterating to close my account. I was told that the emails were different from the accounts, and to unsubscribe to those as well, which I did on XX/XX/19. 

On XX/XX/2019, I received another email from Moneylion stating changes to account fees, even though my accounts are closed and I'm unsubscribed. I emailed support again, and received no response. I follow-up on XX/XX/2019, and received an automated email stating my support ticket was closed. 

I am extremely concerned that MoneyLion is not closing accounts, and not adhering to the CAN-SPAM act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are only a few of the phone numbers for past year. Their company name : PORTFOLIO RECOVERY SERVICES. They have called me since XX/XX/XXXX. ( I did have an outstanding credit card which I paid off to them in XX/XX/XXXX, because I was homeless  and had 1 credit card that fed me. Now they have a different account. They continue to call from many numbers, at least 4x 's  per day. ( They always wake up my Grand Daughter ) They sent bank XXXX from the 2000 's that were not mine. ( 20 years ago )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I asked that my mortgage be reported to proper credit agency. If I am making my mortgage payments on and before time, I deserve to have them reported. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I recieved my back pay of almost 30000 usd I got XXXX in cashiers checks and after buying a vehical and some online purchases that I returned a loan company made bad deposits and I got charged for them the chase bank closed my account with a remainder of at the least XXXX usd still in there and didn't give me the rest of my money  plus this loan company has followed me from wells Fargo to chase bank to key bank and is still calling saying now that they are the us government grant department and I got approved for a loyalty grant of XXXX  usd which is about the amount they have stolen from me over about a ten year period.  I would really like to get my money back and I have made police reports and they haven't done anything please help me out

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: DISCOVER BANK
State: NY

Complaint narrative:
I was notified on XXXX/XXXX/19 by my free credit monitoring service that my Discover Card account had been closed by Discover on XXXX/XXXX/19. Discover never contacted me to tell me my account had been closed. I called and spoke to customer service and was informed that the account was closed due to " business reasons '' and that they had no further information they could give me. They informed me I could not re-open the account and there was no one else I could speak to who could assist me further. They only offered to send me an address to which I could send a letter, but the email I was expecting with that mailing address never arrived. At a minimum I would like a thorough explanation of why my account was closed, and I would appreciate having the account re-opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: CA

Complaint narrative:
XXXX XXXX Dealer SVC # XXXX is reporting lates that should not be on my account. The lates are XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18. I have my account on auto payment and there is no reason for these lates to exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX Dealer SVC # XXXX is reporting lates that should not be on my account. The lates are XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18. I have my account on auto payment and there is no reason for these lates to exist.

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 2019-08-06 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX is reporting lates that should not be on my account. The lates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. I have my account on auto payment and there is no reason for these lates to exist.

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 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/2019I opened a Bank of America Checking Account using the promo code #XXXX, a code that was specifically unique to me using a physical mailer. I opened this account with verification code #XXXX.This targeted promotion was for a $XXXX checking account bonus after having direct deposits totaling > $XXXX in the first 60 days. Here is a timeline of what happened:XX/XX/XXXX: Account opened using promo code #XXXXXX/XX/XXXX: $XXXX direct depositXX/XX/XXXX: $XXXX direct depositXX/XX/XXXX: Received $XXXX bonusXX/XX/XXXX: First call regarding missing $XXXX. Customer service rep indicated she could not find any information regarding the bonus but to be patient and it would appear.XX/XX/XXXX: Second call regarding missing $XXXX. Customer service rep said bonus would appear within the next week.XX/XX/XXXX: Third call regarding missing $XXXX and escalated up customer service. Customer service indicated they had no record of the promo and that I was not targeted. Customer service rep said in order to get this missing money I would need to go into a branch to argue with the bank manager about this.After satisfying all of the conditions, Bank of America has no paid out the bonus to me which they initially were advertising. Bank of America has paid out the public bonus at the time; however I have received mixed information about the targeted bonus.

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 2019-08-06 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/2019- I was notified through my credit reporting service that Chase Bank is reporting me as late for XX/XX/2019. 

I made 2 payments that month. 
XX/XX/XXXX for {$230.00} made over the phone. 
XX/XX/XXXX - From email from Chase advising me the payment posted. 
I did not notice For some reason the payment never hit my bank account. I did not notice {$230.00} still in my bank account. 
Chase failed to alert me the payment did not go through. 
They have a messaging system through the app and as of today, there is no messages about this payment. 

I paid them. Not sure what they did with the payment information. I pay every month the same way and never had an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for an AAdvantage credit card issued by Barclays Bank Delaware and was declined. Their Notice of Adverse Action dated XX/XX/2019 noted that I was declined for the following reason, " Our records, indicate that a previous credit card that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency, or other negative performance ''. Their letter further stated, " a credit bureau report was not used in making the determination ''. 

I was quite surprise by their decline as I have not filed a bankruptcy, or caused any lender a loss. Therefore, I ran credit on myself from the three credit reporting bureaus and all reported a Barclay Bank Delaware credit card as " Paid, closed / Never late '' ; so how could I have caused a " negative experience '' for them. So their internal records do not reconcile to their reporting to the credit bureaus. 

On XX/XX/2019 I responded to Barclay with a letter requesting clarification and a copy of the pertinent page from my XXXX  report. It has been over 30 days and I have yet to hear back from Barclay. 

If I am being declined for credit based upon what I believe is faulty information. Barclays Bank Delaware should at the very minimum respond to my request for clarification given their " records '' are wrong.

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 2019-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a call from XXXX, the voice message stated the caller was XXXX with XXXX XXXX XXXX indicating " there's currently a court order being filed against you to suspend all activity with your name and social security number. To review all immediate rights and actions contact us at XXXX or press 1 now to be transferred. Thank You. '' The message repeated in XXXX. I called the number back from my work line, I reached someone named XXXX XXXX at a company called XXXX XXXX XXXX. I did find this company online, however it appears to offer legal services for law offices such as training, project management, business solutions, etc ... XXXX hung up on me when I was trying to find out what this debt was that I supposedly owed. I called back a second time, I was able to verify a debt amount of approximately {$1400.00} from XX/XX/2009 before XXXX hung up on me again. I called back a 3rd time, reached the lovely XXXX once again & after demanding a case number and account number, she gave them to me. I notified XXXX that I would be calling Wells Fargo directly ( this is the creditor she claimed contracted XXXX to file the court action against me ) as we are well-outside the legal window for collection activity in the state of CA. I contacted Wells Fargo 's Customer Service/Fraud Dept 's ( XXXX ) and their Charge-off Dept ( XXXX ). I was able to verify through my SSN that Wells Fargo does not now or ever have a record of my owing them the amount XXXX had stated, the account number that XXXX provided is not one of their account numbers ( missing digits ), I currently do not have any old, outstanding debts with them that either have been retained or sold off to an outside collection agency, and all of my accounts are in good standing. I have had it with these scam artists, it makes me sick to think about how much they're scamming from folks through their scare tactics. There has to be a way to find these people and bring them up on charges. Please help!

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 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit report an noted some unauthorized inquiries. Unauthorized inquiries are listed as : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX NA Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/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