vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: PNC Bank N.A.
State: CA

Complaint narrative:
XX/XX/XXXX marked the XXXX Anniversary of my wife 's death. I decided it was time to sell 60 acres for property we had acquired together in XXXX to expand our plant nursery. On XX/XX/XXXX the vacant land was listed with a realtor. Within a few days we had several offers and I accepted one on XX/XX/XXXX. The XXXX XXXX XXXX did their research and uncovered a Mortgage Lien filed by XXXX XXXX XXXX XXXX in XXXX with the XXXX ( MI ) XXXX XXXX XXXX XXXX. I was shocked. Any matters related to ownership would have been resolved within 2-3 years after my wife 's passing. I spoke with XXXX XXXX XXXX and was told it was not uncommon and the bank most likely failed to discharge the lien. My online research brought me to PNC with had acquired NationalCity Bank which had merged with XXXX XXXX XXXX. After phoning several departments of PNC and getting nowhere I XXXX them and received an immediate response. I was directed to contact XXXX XXXX ( XXXX  ) and was told if they were unresponsive to tweet back and they would escalate the matter. I reached out to XXXX and they opened an secure online portal to resolve the matter. My sense was they shifted the responsibility of proof to me while I complied wasn't it ultimately their responsibility to prove I owed them money? 

The sale was pending and in jeopardy of not going through so I took action to prove toe the title company that there was no outstanding debt and lien was invalid. They insured the title and the sale was completed XX/XX/XXXX. Unknown to me XXXX had mailed a discharge document to XXXX XXXX on XX/XX/XXXX. When I followed up with XXXX XXXX on XX/XX/XXXX I was told that the document sent by PNC did not fulfill the requirement to discharge the lien and the assignment of rents filed on the same day. I was also advised that even though the title was insured it was in by best interest to see the process through with PNC. I emailed XXXX today stating the current situation and await their reply. Given that I had done all I could and the matter was not resolved I am contacting the CFPB to bring additional weight to the matter. 

XXXX XXXX identified the Libre 741 Page 317 and Libre 741 Page 323

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/XXXX WIRE TRANSFER MADE TO WRONG BANK XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Within minutes BOA was notified that the wire needed to be STOPPED XX/XX/XXXX BOA looked into stopping wire, but it had already been completed. 
We filed a complaint with BOA, but they have not made an attempt to rectify this situation. 
I was told it was my fault.

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 2023-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: TX

Complaint narrative:
Sir/Madam, ( Facts ) In XXXX I had transaction with Sendwave, a money transfer company. I noticed debit in my account and mistook it to suspicious activity. I reported the transaction to my bank- ( XXXX XXXX  ). My bank acting on the report, reversed the transaction and two other transactions, {$600.00}, {$600.00} and {$300.00}, from same company.

The reversal of the three transactions made me look critically to my account. After careful look at the transactions, I realized it was a legit transactions between me and Sendwave. On knowing this face, I quickly called my bank and notified them that the transactions were legit. My bank promised to rectify it quickly. 

I followed it up, I called my bank to confirm confirmed they have credited Sendwave for the three transactions mistakenly reversed. The bank further informed to me they reversed the transaction to Sendwave on XX/XX/XXXX and that it would take about one month to reflect on their account.

Meanwhile by then Sendwave had blocked my account with them. Between XXXX - XX/XX/XXXX, I called Sendwave office about three times to confirm if they have received the credits and to unblock my account. In each of those calls, they continued to insist I am owing them the sum of {$1500.00}. When I called their office on XX/XX/XXXX, I was told the same story, that I am indebted to them in the same amount. 

I approached my bank on XX/XX/XXXX to know if the money in question is stuck in their system. My bank positively averred and confirmed to me, they have been actually credited the said amount sometime in XX/XX/XXXX. The bank directed they check their ledger between XX/XX/XXXX - XX/XX/XXXX. 

I called Sendwave XX/XX/XXXX and gave them the information from my bank and they said they will review it within three days and report back to me. They never did.

To support my statement and my bank, I attached my bank account statement page that shows the date the three separate amounts were reversed. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is 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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WY

Complaint narrative:
On XX/XX/XXXX I recieved a message from Mohela stating that there was a change in repayment terms. I recieved this message on XX/XX/XXXX, but it is dated XX/XX/XXXX. I was previously on REPAYE plan ( IDR approved XX/XX/XXXX ), which was changed to automatically to the SAVE plan. All three of my loans, previous to XX/XX/XXXX were on the SAVE plan and entered into the PSLF tracker. XXXX XX/XX/XXXX, my largest loan was moved from the SAVE plan into the LEVEL or standard repayment plan, with no information why this happened. 

I have been approved on the the PSLF plan since XX/XX/XXXX. I applied for PSLF in XXXX, XXXX. I had to resubmit my PSLF application three times, because I was told that Mohela was having trouble with faxed submissions. I would fax my application. Wait 90 days. Then, after the 90 days, I would have to call them, regarding the status of my application. I would then be told I had to resubmit it. This cycle only ended in XXXX, XXXX, when my application was processed and accepted. 

I called Mohela on XX/XX/XXXX. I was on the phone for two hours. The representative could not tell me why or how my loan was moved from the SAVE plan and to the Standard Plan. This is resulting in an untenable monthly payment. I was told I had to self-recertify and apply for SAVE again. This was puzzling because they should have this information from the approved IDR application from XX/XX/XXXX. I was told I then needed to wait up to ten business days for the self-recertification to be processed. As of XX/XX/XXXX, it is not processed. Nor do I have information on when my payment is set to resume. The representative couldn't tell me that. Moreover, on the Mohela website, there is no due date or amount entered, as of XX/XX/XXXX. 

In summary, I was taken off the SAVE plan and entered into the LEVEL ( standard ) repayment plan with no communication, resulting in a very substatial increase in my monthly payment. Representatives could not tell me why or how this happend. I had to self-recertify over the phone, when my IDR application was accepted almost a year ago. Payments are to resume in 9 days, I have no information regarding the amount I will owe, nor do I have a due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony bank closed 3 of my accounts that were in good standing but before their auto pay practices was not working and I got 3 late fees. they closed my care credit and lowes card both in good standing

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681.604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a late payment on a credit card under an open and consumer account as late for any purpose.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681.604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a late payment on a credit card under an open and consumer account as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681.604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a late payment on a credit card under an open and consumer account as late for any purpose.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
OK. So this is a bit of a long story, but I am XXXX  of being raked over coals. 

I have XXXX payments that were supposedly " missed '' and I will dispute them to XXXX and back because I always pay my debts on autopay. 

One is with TRUIST bank, a loan I have through them, that withdrew money through my account with them. They said I missed a payment and knocked my credit score down XXXX points. 
My own bank, which withdrew every other payment except the last one, which they reported as late which is XXXX. 

Paypal did this as well and when I got a restoration of some credit, it was nowhere near the XXXX points it dropped me. 

I had excellent credit. My balances routinely look maxed when they were not now because of how lenders work. 

The lender tells me to contact the bureaus, the bureaus tell me to contact the lenders. 
No one will help me, and I feel that I am being treated unjustly. 

I have hard inquiries on my report now because I am trying to lower all my balances. No one will take someone with a below XXXX score. 
So yeah.. Dropped credit limits, which lower score, which lower limits, which lower score is just not going to cut it for me. 

They couldn't possibly be wrong.. It has to be that I am a bum who doesn't pay my bills. 
I make {$74000.00} a year but since I've been getting circular whammied over and over, it doesn't even matter because I have had to kick so much debt around. 

Lenders, credit reporters, dispute handlers, are all useless and none want to restore me to what my credit was. 

I can not stop it from being bad because of the balances looking maxed out, and these people making mistakes they blame on me. I will dispute this over and over again because I've been wronged. 
It's like they know regular people can't lawyer up, but I could put them on TV.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
Notice of case assignments for my filing demands for consumer arbitration with XXXX. To : XXXX XXXX, XXXX, RAS LaVrar , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX. RE : your client XXXX XXXX XXXX, XXXX. Reference XXXX From : XXXX XXXX. Please take notice that on XX/XX/, I filed 4 multiple 25 + page comprehensive Consumer Demands For IN-PERSON Arbitration with XXXX  which have been assigned 4 separate case numbers which I will seek to be resolved in hearings with separate arbitrators. XXXX was served on XX/XX/XXXX  with all my 4 individual case filings and XXXX  other counsel has been communicating with XXXX to, among other things, pay 100 % of the filing and arbitrators fees as my consumer fees have been paid what is due. The arbitration cases relate to every one of my 4 XXXX accounts, including those that I have received notice that have been assigned to you as a Debt Collector, Including your files with reference numbers XXXX. I write to you as a courtesy so you can immediately communicate with your client to avoid duplicate, wasteful, unnecessary and improper barred communications for matters NOW handled by other law firms of XXXX. As you know, I have been demanding for almost a year that XXXX file its claims with the XXXX pursuant to the arbitration provisions. Due to XXXX failure to file its claims with XXXX, I had no other choice but to file claims myself as Claimant in 4 separate cases. I strongly suggest that you promptly recommend to your client that you proceed with your own claims in its own separate arbitration demand filings, the forum required by the arbitration clause written by XXXX. I demand arbitration! I will not tolerate any frivolous attempts to litigate disputes in courts and I will automatically and permanently STAY any attempts to bypass arbitration by XXXX  filing court complaints. Lets Arbitrate! Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AZ

Complaint narrative:
Im a cash app customer and I made a withdrawal on the day the systems went down. I filed a complaint and because I asked for a supervisor XXXX from cash app said they wouldnt do anything for me. They have stood true to this. XXXX bank has sent me a letter stating that the error was discovered and that my funds were sent back on the XXXX and yet they havent returned my funds to my account. They wont accept the letter that the bank has sent me and to them. My next step is small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I initiated a transfer of {$100000.00} thru synchrony bank from my XXXX bank account to open a CD with synchrony bank on XXXX XXXX. My XXXX bank account shows the money was withdrawn on that day. On the same day ( XXXX XXXX ) that synchrony received the money they had also closed the XXXX that the money was going to. Since there was no account for the money to go to synchrony was sending the money back to my XXXX account. as of XXXX  XXXX XXXX that money has not been returned. I have made numerous calls to both XXXX and Synchrony regarding this situation. At first I was told by Synchrony the money would be in my account within 5 to 7 business days. then 4 more days then tomorrow. The next information I got was the money was being held by XXXX XXXX, that handles the ACH transfers for Synchrony. XXXX would not speak to me about this issue and would not confirm that they were holding the money. I had asked XXXX on several occasions, at the direction of synchrony to do a Debit Reversal, however, on a conference call with myself, XXXX and XXXX we were told that XXXX would not talk to XXXX about this matter because there were not a client of XXXX. Synchrony continues to insist that there is nothing they can do and that XXXX has to retrieve the funds which they can not. At this time Synchrony is not returning calls to me or providing information when I call them. Each bank tells me the other bank has to retrieve the money and there isn't any more they can do. For the past 30 days I have repeatedly tried to get both banks to get involved with finding this money to no avail. There is NO where for me to go to resolve this matter if neither bank is willing to, Yet my {$100000.00} is still missing and earning no interest.

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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My disputes are not being processed correctly. I have been a victim of identity theft and I sent the FTC report to the credit agencies. They are not attaching the paperwork I filed according to the FCRA. And I am not getting copies of the verification process per 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 non-monetary relief
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My disputes are not being processed correctly. I have been a victim of identity theft and I sent the FTC report to the credit agencies. They are not attaching the paperwork I filed according to the FCRA. And I am not getting copies of the verification process per 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 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I don't want to see this anymore in my report.

Company response to consumer: Closed with explanation