vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: UT

Complaint narrative:
Letter / Contract dated XX/XX/XXXX The Huntington National Bank ( Customer Advocacy Team XXXX ) XXXX XXXX XXXX agreed to accept a settlement of 40 % of the outstanding balance of {$4400.00} which equals {$1700.00} of an old disputed auto loan debt from year XXXX. It was Mutually agreed upon a repayment of one ( 1 ) payment each month for a period of six ( 6 ) months following the date " I '' accept Huntington 's settlement offer. It is STATED, there is NOT a fixed amount due each month, as long as after the six ( 6 ) month period " payments must equal {$1.00}, XXXX. 

My first month payment of {$68.00} was already paid XX/XX/XXXX. 

On XX/XX/XXXX I received a letter from The Huntington National Bank that it is reneging on the agreed ADJUSTED {$1700.00}. This is a farce and/or unfair deceptive business practice by Huntington. I have not yet completed my six ( 6 ) months repayment schedule! 

The Huntington National Bank Recovery Department DOESN'T UNDERSTAND " there is not a fixed amount of Money due each month, " i e, I will make make a {$100.00} payment one month and " different '' payment of {$500.00} another month or {$1000.00} another month. I don't have to pay a same fixed monetary amount every month as long as at the end of six ( 6 ) months the total balance of {$1700.00} is paid in full. It doesn't make a difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I dont know if i am in the correct place or not but I NEED TO BE ABLE TO USE THE XXXX APP!!!!!! I bank with PNC and they wont allow me to use the app even when i sign in. Please change this bs!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
XX/XX/20 transfer {$5000.00} bank to bank.Today is XX/XX/20 still no not deposited, no answer or dropped call at usbank customer service number.

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 2020-08-04 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 — Their investigation did not fix an error on your report
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I spoke with an XXXX representative with a reference ID of XXXX  XXXX on XX/XX/XXXX, at XXXX EST. 
The conversation was regarding a debt that has been paid on my account which XXXX   refuses to remove as a collection from my report. Here are the last 4 digits of my social security number - XXXXThe creditor claims they shared the information with XXXX on XX/XX/XXXX. XXXX claims the creditor updated them in XXXX that the bill was still unpaid. Both entities continue to swear to these statements. The creditor is First Federal Credit Control. Here is their link. https XXXX //www.ffcc.com/ The amount owed was is {$150.00}. I spoke at length to the creditor and they acknowledge the debt has been paid and was reported to XXXX on XX/XX/XXXX of this year with the following credit report number XXXX. I also filed a dispute with XXXX. My dispute confirmation number is XXXX I am purchasing a home. This should have been removed. Please help. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I spoke with an Equifax representative with a reference ID of XXXX XXXX on XX/XX/XXXX, at XXXX EST. 
The conversation was regarding a debt that has been paid on my account which Equifax refuses to remove as a collection from my report. Here are the last 4 digits of my social security number - XXXX.The creditor claims they shared the information with Equifax on XX/XX/XXXX. Equifax claims the creditor updated them in XXXX that the bill was still unpaid. Both entities continue to swear to these statements. The creditor is XXXX XXXX XXXX XXXX. Here is their link. XXXX XXXX XXXX The amount owed was is {$150.00}. I spoke at length to the creditor and they acknowledge the debt has been paid and was reported to Equifax on XX/XX/XXXX of this year with the following credit report number XXXX. I also filed a dispute with Equifax. My dispute confirmation number is XXXX I am purchasing a home. This should have been removed. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a loan with XXXX/XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian, XXXX/XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-04 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 — Their investigation did not fix an error on your report
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I have a loan with XXXX  ( Original Creditor : XXXX XXXX XXXX ) and ALDOUS ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) and ALDOUS ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
We booked flights with XXXX through American Express Travel using our, at the time, AMEX Platinum card. These were booked as return flights, XXXX has since cancelled the flight there, attempting to separate the legs when they were booked together. 

XXXX are also refusing to provide a timely refund, so we filed a dispute with American Express, who are delaying and refusing to refund the charges, so far because the first, cancelled leg is on XX/XX/XXXX. In the cancellation email, XXXX simply stated it was cancelled. In the AMEX Travel cancellation email sent later, they claimed an airline credit was issued, which is neither wanted nor was it ever requested, plus this contradicts what we were told about a refund on the phone. The XXXX cancellation email was XX/XX/XXXX, the AMEX Travel one was XX/XX/XXXX. 

Tonight, when calling again, they put me on hold then hung up after leaving me there for about 10 minutes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion keeps reporting a late that is not accurate this is the third time I have contacted them and so has the bank and they removed it last month and put it right back on this month

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 2020-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: ME

Complaint narrative:
Eight weeks from the writing of this letter my husband and I began the process to request a corrected discharge of our home mortgage with US Bank # XXXX which was paid off in XX/XX/XXXX. The title company is refusing to close over the error despite us showing evidence of it being paid years ago. In contacting customer service multiple times over that period we were finally provided two email address to use to try and resolve the issue : XXXX ; XXXX We got a response from XXXX on XX/XX/XXXX and after several days of research they told us they could not help us on XX/XX/XXXX. They then forwarded that email to the " Non-Purged '' address and we have yet to hear despite the claim that they would get back to us within two weeks. I've sent two follow up requests to the Non-Purged box with the same results. 
This experience has been incredibly frustrating and could end up in injury to our personal finances as it is jeopardizing the sale of the property. We have had to convince the buyer to now extend twice. We do not know if we can convince them a third time. We have also filed a compliant with the office of the CEO over a week ago and have hear nothing. 

Please help us resolve this matter immediately. We need to sell this property. Thank you.

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 2020-08-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This Bankruptcy was not verified by the courts and needs to be removed. I have attached the from the courts supporting such facts. They do not have Social Security Number attached this account for me. This not my account, by the FAIR Credit Act ( section 623, 611 ) this information must verified by the original account holder ; in addition, to being accurate is not. I will hold Experian, XXXX, and XXXX   responsible for displaying this information on my credit report. 

I have attached the letter from the courts, and I have requested this information to be removed months ago. Therefore, it has been over the 35 days. This is information can not be verified by a third part either as a so called government agencies. 

Please remove ASAP. Or face a Lawsuit

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 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
There were transactions that were disputed due to the merchant not issuing a refund and the bank will not issue the refund back to my debit card after they said that they would issue a credit

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 2020-08-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This Bankruptcy was not verified by the courts and needs to be removed. I have attached the from the courts supporting such facts. They do not have Social Security Number attached this account for me. This not my account, by the FAIR Credit Act ( section 623, 611 ) this information must verified by the original account holder ; in addition, to being accurate is not. I will hold XXXX, XXXX, and TransUnion responsible for displaying this information on my credit report. 

I have attached the letter from the courts, and I have requested this information to be removed months ago. Therefore, it has been over the 35 days. This is information can not be verified by a third part either as a so called government agencies. 

Please remove ASAP. Or face a Lawsuit

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 2020-08-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This Bankruptcy was not verified by the courts and needs to be removed. I have attached the from the courts supporting such facts. They do not have Social Security Number attached this account for me. This not my account, by the FAIR Credit Act ( section 623, 611 ) this information must verified by the original account holder ; in addition, to being accurate is not. I will hold XXXX, Equifax, and XXXX   responsible for displaying this information on my credit report. 

I have attached the letter from the courts, and I have requested this information to be removed months ago. Therefore, it has been over the 35 days. This is information can not be verified by a third part either as a so called government agencies. 

Please remove ASAP. Or face a Lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received an offer as a current Chase Marriott Bonvoy Credit Card holder that I acted on. 
I referred my son to apply for the same credit card. Once he was approved, I received XXXX Marriott Rewards points and he was to receive XXXX points upon spending a specified amount within a 3 month time limit. He fulfilled all requirements but never received the points. Since that time he has continually and repeatedly contacted both Marriott Rewards and Chase credit card services to no avail. Since I am the person who referred him and since this card has a {$95.00} annual fee, I am invested in fixing this. 

I am uploading the incorrect denial letter from Chase cardmember sevices and our response which details the entire issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
0n XX/XX/2020 I had a Bank Account with JP CHASE MORGAN on Friday which was XX/XX/2020 I received a deposit from the Georgia Department of Labor for my Unemployment including all my back pay from now back til XXXX which was about XXXX and for no apparent reason Chase decided to freeze my bank account and close it and hold my money for no reason at all there havent been any problems with my account since I got it! ... This is the worst bank ever and this morning when I checked my account now its a negative XXXX balance because they decided to close my account and they still allowed me to draw a XXXX a day out the bank I had over XXXX in that account so where is all my money where did they send it back too! .My deposit included a deposit of {$140.00} ..19 times and XXXX 17 times which equals about XXXX they clearly seen the money came from the Georgia Department of Labor addressed to me in my whole name and they still closed my account for no good reason!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I have a loan with Santander and I had a deferment and my car Ive been paying on for close to 3 years and the principal has dropped less than XXXX XXXX dollars my interest rate is 20+ percent and Im already struggling to make the payment and I feel like my loan was fraudulently padded because no one else will finance me because my income is to low. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: OH

Complaint narrative:
There were not payment required from XXXX until XX/XX/XXXX due the virus ; however, Nelnet is showing late payments for XXXX and XXXX XXXX XXXX. I was never late and I'm requesting METHOD OF VERIFICATION  AND PRECEDURED USED FOR VERIFICATION. PER MY RIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Syncrony Bank has opened an account with with my info in another persons name, I have called numerous times and they have failed to solve the problem. My name is XXXX XXXX and the scammer is using the name XXXX XXXX. The bank refuses to help me solve this issue. I will be forced to close all of my credit reports. Please help me! My email was sold on the dark web and I need this resolved. The bank won't listen to me even though all of my personal info is connected to this 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 monetary relief
Consumer complaint received 2020-08-04 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: MA

Complaint narrative:
In XXXX of this year I was late on a payment on a couch that I financed through XXXX XXXX. My balanced increased on the couch {$41.00} and it caused my score to drop 129 points. I believe that is completely unfair. I have tried to dispute this with no success. 

I was so upset about the missed payment because I was overpaying on the couch that I paid {$1000.00} on the couch a week later and it only moved it back up 57 points. 

I dont care what algorithm, scale, or formula they use, no {$41.00} dollar balance increase on a {$4000.00} couch should cause your score to drop that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There were not payment required from XXXX until XX/XX/2020 due the virus ; however, XXXX is showing late payments for XXXX and XX/XX/2020. I was never late and I'm requesting METHOD OF VERIFICATION AND PRECEDURED USED FOR VERIFICATION. PER MY RIGHT.

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 2020-08-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There were not payment required from XXXX until XX/XX/2020 due the virus ; however, XXXX is showing late payments for XXXX andXX/XX/2020. I was never late and I'm requesting METHOD OF VERIFICATION AND PRECEDURED USED FOR VERIFICATION. PER MY RIGHT.

Company response to consumer: Closed with explanation