vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Since late of 2019 Ive been in contact with the Chex Systems company where as i told them they had inaccurate information reporting through system. Since I've been denied bank accounts and lines of credit. I've asked them repeatedly to fix and remove these items at one point they did only to turn around and place the false information back on their report. 
All this information listed below is inaccurate : ADDRESS NOT ASSOCIATED WITH ME : XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PHONE NUMBERS NOT ASSOCIATED WITH ME : XXXX, XXXX XXXX XXXX XXXX, SUSPECTED FRAUD ACTIVITY ACCT XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX 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 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I discovered Experian has been taking money from my bank acc since XX/XX/2018 for services I never even knew about or wanted. I called them and they said theyd reimburse for 1 months payment {$23.00}. They said Id have to get my bank to dispute the rest. Well the bank can only dispute 1 month. Ive been deceived and am out around {$750.00} that I need! Im on social security and I dont waste my money on this kind of unnecessary stuff. Please help me get my money back! I certainly appreciate your 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 monetary relief
Consumer complaint received 2021-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have repeatedly requested the link to apply for forgiveness of my PPP loan. PNC has discriminately allowed certain businesses to apply for SBA forgiveness but not others with no reason or explanation The loan will come due on XXXX and I should have been able to apply for forgiveness except that PNC is blocking me from doing so. 

I am not sure that this is legal but I am sure that this will cause irreparable damage to my business. 

I have escalated the situation to the executive office of client relations but still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I made a XXXX purchase on XX/XX/2021 online using XXXX payment services, making a downtown payment for {$61.00} using my NFCU debit card ending in # XXXX. I decided to return the product on XX/XX/XXXX back to XXXX through XXXX. NAVY FEDERAL CREDIT UNION TOOK IT UPON THEMSELVES TO POST MY CREDIT TO THE WRONG ACCOUNT AND DEBIT CARD ENDING IN # XXXX ON XX/XX/XXXX. I CALLED NFCU TUESDAY MORNING ON XX/XX/XXXX. 
THEY LIED REGARDING MY CREDIT SAYING XXXX POSTED MY CREDIT TO THE WRONG ACCOUNT. THAT'S INACCURATE INFORMATION BY NFCU. 

I RECEIVED AN EMAIL FROM XXXX ON XX/XX/XXXX SAYING THEY WILL CANCEL ALL MY REMAINING PAYMENTS AND REFUND ME MY {$61.00} GOING BACK TO MY CARD EBDING IN # XXXX. 

I RECEIVED AN EMAIL FROM XXXX ON MY PURCHASES AND REFUNDED. 

PLEASE SEE ALL ATTACHED EMAILS AND RECEIPTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX. Wells Fargo has not sent {$150.00}. Check from years ago 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 2021-03-16 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: Capital Accounts, LLC
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My property address is incomplete on all documents causing challenges. 

I have submitted multiple request with no response to date.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I pulled my credit report recently and seen bills showing open or closed with balances when I have actually paid the accounts and would like them to be removed i will provide receipts and I discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Reports I will highlight them and add them to the notes .these are the companies below XXXX-PROOF OF PAYMENT XXXX BALANCE REQUESTING DELETION FROM MY REPORT XXXX XXXX XXXXXXXX. - PAID TO A THIRD PARTY CREDITOR STILL LISTED I WILL SHOW PAID 3RD PARTY THE BALANCE IT NEEDS REMOVED XXXX XXXX-LISTED PAID ON BANK STATEMENT TO PXXXX XXXX XXXX XXXX PAID OFF IN FULL REQUESTING DELETION Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MECHANICS BANK
State: CA

Complaint narrative:
I am being harrassed with phone calls for payments that have been made on time and proof provided and the creditor is telling us they do not have the payments. They are a severly mismanaged company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I made {$4700.00} purchase with a Citi credit card since I opened the account. {$7200.00} were paid from bank accounts. After the payments, the account has been carrying - {$2800.00} balance. I requested to refund the overpaid part, but never received it. On XXXX XXXX, 2021, Citi reversed {$5000.00} credit, without refund to bank account, making me carry {$2400.00} debt on my account. 

I contacted Citi about the reversed payments, no clear answer was ever provided, and their explanations did not match with the statement. If the payment reversed, at least it should be a refund to the bank account. Now the {$5000.00} goes to nowhere and made me carry the debt with no clear answer.

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 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX of 2020 I signed up for Experian CreditWorks Premium product to improve my credit score as I was trying to refinance my house.

I have been following Experian 's guidelines and filled in Experian Boost details to improve my credit scores to " Good '' range, which is defined as 670 - 739 range. 
On XX/XX/XXXX Experian reported to me that my credit score is over 700 ( Good range ) and I applied for refinance loan, however my application was denied, the loan issuer said that my credit score was too low, below 700 ( they would not provide exact details ) I demand return of my membership fee since Experian lied to me and reported different score to vendor.

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 2021-03-16 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: Clark County Collection Service
State: NV

Complaint narrative:
The original debtor : XXXX XXXX defunct apartment landlord. Sold my debt to Clark County Collections in XXXX XXXX, NV XXXX obtain a lawyer and had a garnishment levied against me. I paid of debt through garnishment. 

When i tried to get the info removed after i paid off the debt through garnishment. They wanted me to pay an additional XXXX dollars to report debt to credit bureaus ... i declined that. And they left it on my report as unpaid. They have since resold my debt and it is causing mental pain because im unable to move anywhere with this unreported paid of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: DISCOVER BANK
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Digital fraud Identity theft Harassment My account has been frozen several times without warning or an alert notice Theft of debit card and funds System /systematic error that came from within bank of america According to bank of america agent my account is and has been targeted and seem to be picked up by several individuals Bank of america has unprofessional employees that are not competent to handle customer service calls and issues accurately, and at a appropriate time

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 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank closed my checking account that I have had for 44 years without explanation or fore warning I received their letter a day after my account was closed causing me all kinds of difficulties : Auto debits checks written and pending auto credits that were due to be deposited into my account Much confusion because I could not access my account! 
I talked to a manager of Citibank and received no answers or explanations as to why they closed my account My sizable balance was returned to me again without explanation five days after closing my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aqua Finance, Inc.
State: MO

Complaint narrative:
Shortly before the Covid lockdown I traded a XXXX XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX. The salesmen stated that the amount billed would XXXX  out before the grace period on the account was up around XXXX I believe. I called aqua finance to confirm there was no interest accruing in the grace period so I would not be left with a balance. 4 months later I received an offer to open a credit union account with XXXX and a notice that I had an amount due. 
Upon research it appears that XXXX is a front for Aqua finance. 
I wrote to dispute and Aqua finance/ XXXX became Bay Finance, none of whom have a true debt for me. When I disputed with XXXX after erroneous posts the dispute was closed as a mistake on a closed account but they reported the same misinformation on my credit reports 3 times that same month after the bad debt was removed. 
Because they call me 5-10 times a day I have sent letters demanding they stop the abusive behavior to no avail and an email to them came back undeliverable to the address on their website ( Bay Finance ) .. Im at my wits end, the last item I received was a notice that they would continue to destroy my credit, and garnish my wages, take my assets etc over the account they admitted was not delinquent or open. 
As they have done severe damage to my good credit and harmed my reputation I believe they intend to continue this blackmail to whatever lengths they can get away with. 
There is no contract in my name, there is no debt to sell amongst these related companies and their deceptive reporting and aggressive calls make it clear they know they are in the wrong and are attempting to evade financial reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both XXXX and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
My contract says late payments will only be charged a {$15.00} late fee with no interest added. While making a phone payment to XXXX XXXX ( in S. Carolina ) he told me the company had changed my account from a fixed interest to a compounded interest and 'I had to lump it and there was nothing I could do about it, I just had to pay up '. He also stated they could do anything to me they wanted. Today I paid the last payment on my contract and they said I still owed {$1400.00} in payments. Enclosed are copies of my contract and a copy of my payments from the start of XXXX to XXXX. I have continued making payments till present. I have been told repeatedly I am up to date on my contract. Almost every month there was a new way of charging more money outside the outline of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: NC

Complaint narrative:
on approximately XX/XX/2021 I called Experian and spoke with XXXX and noticed Experian has added somebody else 's address in my credit rfile, I told by XXXX that are on my file is inaccurate she told me she will not remove them and then hung up while i was still on the line. Experian is violating the provisions of the FCRA

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 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Refinancing my mortgage with the existing loan holder, Freedom Mortgage. I was told that the loan was closing in early XXXX, early XXXX, and most recently I was told in early XXXX that it would be closing today. My phone calls and emails have been avoided and not returned. Ive received multiple excuses as to why my loan is not closing.

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 2021-03-16 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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