vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This bank paid my creditor from a closed account. The check to the creditor was refused at the creditor 's bank, and a {$12.00} fee was charged. This all began on XX/XX/20 when I made an appointment with a banker ( XXXX XXXX ) for the next day. That banker called that day and asked what I wanted. I told her my husband had passed away. I needed to close 2 accounts, transfer all the money from the 2 accounts to the remaining open 2 accounts and deposit a check to another account, make sure that all automatic payments from the accounts I needed to close were cancelled. I arrived at the bank. I was told that XXXX XXXX had called in sick and was ushered to the window of an unsavvy person was to help me. Her manager stood to my right. The person first told me she didn't want to see the death certificate and that since all of our accounts are named in our trust, I needed some sort of a notarized document in order to do anything. At that, I knew this person or her manager knew nothing, so I just had the check deposited and I left. I, on line, transferred the balances from the two accounts I need to close to the two accounts that were to remain open, so that there was no money in those accounts. So, on XX/XX/20 the bank paid the creditor from the account with no money in it. Then the bank debited the correct account as if to pay the creditor and then credited the account on XX/XX/20. The creditor was never paid. I have never been able to get a resolution for this. All I want is for the bank to credit my account with the {$12.00} that I subsequently paid the creditor since the bank never did pay him and he should not have to suffer that loss for something he did not do. The bank is very, very poor at giving pertinent replies to inquiries, often they do not reply at all. They make it totally impossible to speak to a person who has sent a reply ( without a solution ) with phone numbers to call. I realize this is only {$12.00}, but I should not have to absorb this when I didn't do anything wrong. I am a XXXX XXXX plus Wells Fargo customer.

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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I'm currently in a dispute with XXXX  and XXXX for deleting my XXXX XXXX credit card accounts from my file without my permission, by starting internal disputes of their own with my creditor and then deleting the account without my knowledge. Then I certified mailed them letters last month stating that I did not give anyone permission to view my account on XX/XX/19 by JPMCB or XX/XX/19 from XXXX/XXXX. About 2 weeks later I received a response from one of the bureaus saying that the inquiries will not be removed and to contact the creditor. I've certified mailed the two creditors informing them that these inquiries were not authorized, but the creditor has yet to remove them. These unauthorized inquiries are dragging down my credit score. I'm having enough problems trying to keep the credit bureaus from deleting positive accounts from my credit profile and beating down my score even more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX of 2020 I made a cash deposit on BANK OF AMERICA ATM located at XXXX XXXX, XXXX XXXX XXXX, FL. ( XXXX ). During the process of counting the bills the machine gave me error on the screen e stopped it, after a few moments the transaction of finished and a deposit receipt was issued recognizing. the error, but the money was short around {$1500.00}. 

I had this stack of money that I was saving for emergency, I wasn't sure how much exactly I have in the stack, but I counted the money in front of the camera I requested they to send me the video, but they refuse to, in the letter I just received telling the they didn't locate the cash they said they were there to help and if I would like to request the copies of the documents they relied on to reach the decision to call them, when I call them they told me that was a general letter and they would only provide those documents if they were enforced to do 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 2020-07-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a letter over 45 days ago. According to the FCRA, I'm aware that you have 30 days to investigate and respond to my dispute.You must remove the inaccurate information on my credit report immediately. I reattempted to contact you with a follow up letter on XX/XX/2020 but there was still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: IL

Complaint narrative:
My PNC bank account will not let me transfer money to my prepaid XXXX XXXX  debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter over 45 days ago. According to the FCRA, I'm aware that you have 30 days to investigate and respond to my dispute.You must remove the inaccurate information on my credit report immediately. I reattempted to contact you with a follow up letter on XX/XX/2020 but there was still no response.

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 2020-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am having problems with Bank of America they have being holding my money related for the 2 tranfers for almost 1 month in different occasions. First time in XX/XX/2020 they hold my money for almost 3 weeks the time that they received the money to be transferred to my personal account in the USA. The second time was in XX/XX/2020 and right now as i am righting this complain they still have my money going for the 2 weeks in their possession.I have to canceled the 2 transfers from XXXX to USA and the Bank of America which is the intermediary bank not for my choice, and they arei not being efficient in delivery their services with competence. International wire transfers don't take more then 3 days, and please don't give the excuse this is because to Covid 19. the 2 times that i sent money to XXXX XXXX didn't take more then 2 days but the opposite back to USA is being a huge headache. This is not right what Bank of America is doing to me. I am going to lose the opportunity of buying a little apartment in XXXX due too Bank of America inefficiency of provide a professional service. Basically one month holding my money in the 2 canceled transaction in XXXX and XX/XX/2020. The owner of the apt do not want to continue the business and i am losing the apt due to Bank of America delays. it is very frustrating all of this experience. I traced and put an investigation from the sender bank and the 2 times Bank of America was the intermediary Bank involved unfortunately. Bank of America is very incompetent in what they are supposed to do, transfer the money back to my account. I wouldn't be forgiven by Bank of America if this money was to pay a bill to them. They would punish me with a huge high interest. I never will forgive the bank of America for all of my frustration due to their bad service.

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 2020-07-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
There are three items listed on my credit report that are actually past the statute of limitations and when I started this I did exactly as they said I submitted my request in writing and the information was sent on XX/XX/2020 after 45 days there was no response another dispute was send XX/XX/2020 still nothing. There is nothing in the Care 's Act that indicates the credit bureaus are allow longer than the allotted time of 30-45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: VA

Complaint narrative:
Chex systems reporting inaccurate erroneous information PAID ITEMS REAGED ITEMS INSCCURATE INFORMATION IDENTITY THEFT I have been denied bank accounts due to inaccurate erroneous reporting I have multiple inquires Multiple declines to get a bank account. Chex systems has discriminated against me. If Chex if this is not removed I will have to move forward with CLASS ACTION LAWSUIT AGAINST CHEX SYSTEMS FOR MULTIPLE VIOLATIONS. 

FOR ACCOUNT : XXXX  XXXX XXXX XXXX  ENDING 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 2020-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
My previous complaint was recently closed and did not answer my question. I asked fedloan about why I am still being held responsible for 2 loans that clearly show the disbarment was cancelled and also states {$0.00} of {$2000.00} was disbursed & {$0.00} out of of {$1000.00} was disbursed, they stated the reason it shows cancelled is in regards to the second disbursement. However, when I view the loan period for said loans the dates show XX/XX/XXXX-XX/XX/XXXX. How could there be a second  disbursement made in XXXX when thats after said loan period? Also, why were 2 of the 3 second disbursements cancelled and not the other? That does not make any sense how you would cancel 2 second disbursements but allow 1 other to be disbursed. If what your saying is accurate then I would be charged for a second disbursement ( that you claim was disbursed ) on my loan breakdown but it does not appear. Whats even more concerning is that at the top of the total loan breakdown it shows {$4800.00} total owed, {$1700.00} original amount awarded ( coincidently the same amount as ONE loan that was disbursed, ONE time. ) I am requesting all documentation relating to every disbursement that was ever made, cancelled or not, every cancellation and copies of the alleged second disbursement that was cancelled for 2 loans as well as the second disbursement that was successfully awarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I'm currently in a dispute with XXXX  and XXXX  for deleting my XXXX XXXX credit card accounts from my file without my permission, by starting internal disputes of their own with my creditor and then deleting the account without my knowledge. Then I certified mailed them letters last month stating that I did not give anyone permission to view my account on XX/XX/19 by XXXX  or XX/XX/19 from SYNCB/SAMS. About 2 weeks later I received a response from one of the bureaus saying that the inquiries will not be removed and to contact the creditor. I've certified mailed the two creditors informing them that these inquiries were not authorized, but the creditor has yet to remove them. These unauthorized inquiries are dragging down my credit score. I'm having enough problems trying to keep the credit bureaus from deleting positive accounts from my credit profile and beating down my score even more.

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 2020-07-13 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: IL

Complaint narrative:
To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS US DEPT OF EDUCATIO XXXX not mine How is Equifax able to verify these items when other agencies can not?

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a ci
vil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are three items listed on my credit report that are actually past the statute of limitations and when I started this I did exactly as they said I submitted my request in writing and the information was sent on XX/XX/2020 after 45 days there was no response another dispute was send XX/XX/2020 still nothing. There is nothing in the Care 's Act that indicates the credit bureaus are allow longer than the allotted time of 30-45 days.

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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are three items listed on my credit report that are actually past the statute of limitations and when I started this I did exactly as they said I submitted my request in writing and the information was sent on XX/XX/2020 after 45 days there was no response another dispute was send XX/XX/2020 still nothing. There is nothing in the Care 's Act that indicates the credit bureaus are allow longer than the allotted time of 30-45 days.

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 2020-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover card is put on my credit that I owe them {$300.00} when the credit card was a secured credit card the {$300.00} I paid to begin with what is offset the XXXX Anythink plus the interest to what I owe them you can't put interest on a credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
My husband and myself had a home equity loan through a local bank. It was sold to a company called XXXX. I have been paying my agreed upon monthly payment for months. One day out of the blue, they decided to start putting part of my monthly payment into an escrow account to pay my taxes and insurance. I had never agreed to this. My taxes were already paid and have never been overdue. This caused my account to look like I wasn't paying my full payments on my mortgage. I was told to send a written letter to them, saying to not escrow my taxes as I pay them. I sent the letter to them and they still have been putting part of my payments towards my taxes. 
XXXX has since gone bankrupt and my loan was now sold to Shellpoint. They have continued to escrow my account for the taxes. I have tried to resolve this through multiple phone calls with no avail. I contacted a lawyer at XXXX XXXX XXXX XXXX, and have been working with my attorney, XXXX XXXX. Shellpoint/XXXX and Mr XXXX had agreed upon an monetary amount to rectify my account. I sent a check in the amount of {$2600.00} to satisfy them, ( even though I never missed a payment, or was technically overdue on my payments ) but they continued to escrow my account and report that my account was not up to date. He has sent them multiple letters to have them correct the account, again, with no avail.They have been reporting to the Credit bureau that I have not been paying and therefore have been ruining my credit for years now. Even as of today, they are still charging me, escrow accounts, Insurance, late fees, property inspection disbursement and whatever else they feel like adding to my account. I will attach letters from my attorney to verify the above information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: Early Warning Services, LLC
State: VA

Complaint narrative:
EARLY WARNING systems reporting inaccurate erroneous information PAID ITEMS RE-AGED ITEMS INSCCURATE INFORMATION IDENTITY THEFT I have been denied bank accounts due to inaccurate erroneous reporting I have multiple inquires Multiple declines to get a bank account. EARLY WARNING has discriminated against me. EARLY WARNING if this is not removed I will have to move forward with CLASS ACTION LAWSUIT AGAINST EARLY EARNING FOR MULTIPLE VIOLATIONS OF FCRA AND NON COMPLIANCE WITH OTHER REPORTING LAWS. 

FOR ACCOUNT : XXXX XXXX XXXX  MISSOURI ENDING XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC Bank is no longer allowing access for mobile apps to link with my account. I was trying to sign into XXXX to start saving money and look into stock options, but was given a message stating that PNC isn't allowing account linking.

Company response to consumer: Closed with explanation