vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 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: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. Equifax is also reporting this same account as a duplicate but with a differing account number. Please reference partial account number XXXX. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates and reporting a duplicate account is error is seriously harming my credit score and these line item needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help resolve issues regarding my credit report. An account I had with XXXX XXXX XXXX  is still appearing on my Transunion, XXXX, and XXXX   credit report. This account was opened in XX/XX/2013. This account /item is past the statute of limitations and therefor should have been removed, however Transunion , XXXX  , and XXXX  have still failed to do so even after attempts by XXXX XXXX on my behalf to have it removed.

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 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi bank Credit card closed by the bank even though I have an existing balance and have never been late on a payments, then Citi bank send incorrect information to my Credit report saying that the account has been closed by credit grantor. It takes hours to get the right person who can't even tell you why this has happen.

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 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Back on XX/XX/XXXX I bought a XXXX XXXX  computer from a seller name XXXX  using my Amazon chase credit card and the product was defective and I returned back the product to the seller. The seller refunded partial amount the first time and I disputed for the full amount and temporary refunded the whole amount on XX/XX/XXXX back to my acount. After a few week the whole purchase amount is credited back from my account to the merchant with out any product or service. I redispute again for the whole amount but chase customer service not willing to refund my money or to solve the problem to get my money back which is taken without authorization and I here by looking assistance to get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Can not link accounts to transfer funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: DC

Complaint narrative:
I have sent three initial disputes to this bureau and nothing has been updated. I submitted with proof of payment. I submitted all of this to continously get that they investigated even witih factual proof provided. I would like this removed and deleted from my report, for inaccuracies. 
" In Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled in each of these cases that the CRAs could not merely " parrot '' back the same creditor information which the CRA already had in its files. The courts ruled that the CRAs had to conduct an independent REASONABLE investigation to ensure the validity of the information along with the honesty and integrity of the creditor or CA in question. '' XXXX, XXXX, XXXX, XXXX XXXX XXXX ALL REPORTING INACCURATELY.

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 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for a mortgage through JP Morgan Chase for {$980000.00} for a first mortgage refinance. They sent me the Loan Estimate in the mail with all the pertinent information. 
Interest rate for 30 years fixed was 2.5 % with closing costs at {$20000.00}. Monthly pay for principal and interest was {$3800.00}. 

No issues with any of that. 

When I called on the phone to proceed the rate was 3.375 % with a {$4400.00} payment but if I wanted the 2.5 % then instead of {$20000.00} in closing costs it would be {$38000.00}. 85 % more. 

How can a firm put this in writing to you and just blantantly lie to you. 

There should honor what they sent. Rates went down within the seven days after I received the letter and called.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am resubmitting this complaint as Chase is referencing the incorrect transaction. I clearly stated in my original complaint that the transaction took place on XX/XX/XXXX, not XX/XX/XXXX as is stated in their response ( attached ). They have purposely withheld funds and mislead the CFPB. Here is my original complaint : " On XX/XX/XXXX, a debit in the amount of {$2200.00} was taken from my checking account at Chase Bank. It was reportedly sent to XXXX. XXXX claims these funds were never received and Chase states funds were withdrawn and I would need to talk to XXXX. Both institutions are telling to talk to the other. I even went so far as to have a conference call with both institutions to resolve the matter. To this date, no funds have been returned to me. This has caused serious hardship for me in that my mortgage now considered late, late fees were assessed and it has affected my credit. XX/XX/XXXX Online Payment XXXX To XXXX, XXXX. XX/XX/XXXX Bill payment {$2200.00} ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28 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: TX

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. XXXX  is also reporting this same account as a duplicate but with a differing account number. Please reference partial account number XXXX. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates and reporting a duplicate account is error is seriously harming my credit score and these line item needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-05-28 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: TX

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. XXXX  is also reporting this same account as a duplicate but with a differing account number. Please reference partial account number XXXX. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates and reporting a duplicate account is error is seriously harming my credit score and these line item needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: AR

Complaint narrative:
I have tried to get in touch with ACS Education Services who is nolonger open. Prior to them closing my loan was supposed to be consolidated with my other loans- instead it has been bounced to one debt collecting company after another. I constantly get letters from other debt collectors stating that they know have the loan. The original loan amount was XXXX in 2006  and now its XXXX. This was also included in my bankruptcy XXXX was being paid for the last 5 yrs. What can I do to get this remedied?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
COINBASEs transfer to a FRAUD SCAM Brokers : XXXX XXXX I would like to bring your attention to a serious issue I have with Coinbase wires that first took place in XX/XX/2019. I have been victimized by a multilayered scam operation orchestrated byXXXX XXXX - the Company. The funds were transferred utilizing COINBASE 's services in the total amount of XXXX GBP! I would also like to point out that on the XXXX of XX/XX/2019 - I filed a dispute with COINBASE. 
I prefer to attach files for the review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
THIS COMPLAINT IS AGAINST MACY 'S CREDT CARD. 

I RECENTLY PAID OFF MY CREDIT CARD WITH MACY 'S AS IT WAS BEING HANDLED BY A CONSUMER DEBT MANAGEMENT COMPANY. THE ACCOUNT IS CLOSED AND IS NOW PAID IN FULL. 

UPON PULLING MY CREDIT I NOTICED THAT MACYS HAD REPORTED ME LATE ON EACH OF MY CREDIT BUREAUS STARTING IN XXXX OF XXXX AT 30 DAYS LATE, THEN XXXX OF XXXX GOING THROUGH XXXX OF XXXX. MY MACY 'S CREDIT CARD WAS BEING HANDLED BY THIS DEBT MANAGEMENT COMPANY AND I HAVE ACCURATE RECORDS SHOWING THAT THE DEBT WAS PAID ON TIME EACH MONTH. 

IN XXXX OF XXXX THE DEBT WAS PAID IN FULL. MACY 'S IS IN VIOLATION OF THE FAIR BILLING ACT AS WELL AS THE FCRA FOR REPORTING ME LATE WITHOUT PROOF THAT I WAS ACTUALLY LATE. THEY HAVE NO REASON TO REPORT ME LATE AS THE ACCOUNT WAS PAID ON TIME WITH THE DEBT MANAGEMENT COMPANY FROM XXXX OF XXXX ALL THE WAY THROUGH UNTIL XX/XX/XXXX WHEN THEY GOT THEIR PAY OFF. 

MACY 'S STILL HAS IT ALSO LISTED AS " CONSUMER DEBT MANAGEMENT COMPANY MAKING PAYMENTS '' IN THE COMMENT SECTION OF THEIR REPORTING. 

THEY ARE IN STRICT VIOLATION OF FEDERAL LAW AND I AM REQUESTING THAT ALL NOTATIONS OF LATE PAYS AND ALL COMMENTS REFLECTING THAT A DEBT MANAGEMENT COMPANY HANDLING THE ACCOUNT BE REMOVED FROM MY CREDIT REPORTS. 

THIS COMPLAINT IS NOT TOWARDS THE CREDIT BUREAUS, THERE SHOULD BE NO LISTING OF AN INVESTIGATION OR CONSUMER DISPUTES BEING PUT ON MY CREDIT FILES. THIS COMPLAINT IS AGAINST MACYS OR INACCURATE REPORTING. IF THEY ARE PAID OFF IN FULL WHAT DO THEY HAVE TO GAIN BY REPORTING THIS NEGATIVE INFORMATION AGAINST ME. 

REMOVE IT IMMEDIATELY OR FACE A LAW SUIT FOR VIOLATION OF THE FEDERAL LAW WHICH CARRIES A PENALTY FINE OF NO LESS THAN {$1000.00} PER VIOLATION AND I WILL ALSO BE SEEKING REIMBURSEMENT OF ATTORNEY FEES. 

YOU HAVE NOTHING TO GAIN BY REPORTING THIS INFO THE WAY YOU ARE AND YOU HAVE NO PROOF BUT I HAVE PROOF IN THE FORM OF A CONTRACT THAT THE DEBT MANAGEMENT COMPANY WAS MAKING ALL PAYMENTS AND I ALSO HAVE THE RECEIPT THAT YOU RECEIVED FULL PAYMENT EARLIER 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 explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Was always able to borrow from XXXX. Now Im not able to borrow. XXXX is saying that PNC has made a change that prohibits me from borrowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: FL

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I Have tried on multiple dates to link my apps, XXXX, XXXX, XXXX, and XXXX to my PNC bank account they will not let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have benefitted from the savings app, XXXX. Recently they said that PNC is suspending connection to the app. I have money in the app that can not be transferred back until PNC authorizes connection again. I also would like to formally log a complaint against this suspension, particularly since customers were not notified prior to it happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
Repeated robocalls From HRRG debt collection 3 to 4 times daily asking us to call 800 number. We have no outstanding debts. Calls come from different numbers each 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 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have a Simple account, which is a partner with BBVA. They flagged my account with a false fraud hold regarding the Washington state unemployment scam because of a previous repayment i had made. Now, I have been without my paycheck that is being held within my account since the XXXX. My paycheck will be deposited tomorrow, still now word from BBVA, and Simple can not process the removal of my hold until BBVA removes it. I have bills due, and am accruing fees and will lose assets. I will be seeking litigation against them if this isn't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: IL

Complaint narrative:
When contacting US Bank regarding several issues I've been having with their XXXX app features the representative I was transferred to from technical support was extremely rude telling me that they've been having these issues for a while they had no estimated time of when the issue would be resolved because it was a low priority for US Bank and he had nothing else to tell me when I called back to file complaint against that representative I was given the runaround today I received the call from a very rude representative from their corporate offices in which he wanted to argue and interrogate and harass me on the phone about issues that I'm having with my account due to their negligence and by their own inventions of their representative and issue they knew about but that wasn't a concern for the bank

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 2020-05-28 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: DC

Complaint narrative:
I have sent three initial disputes to this bureau and nothing has been updated. I submitted with proof of payment. I submitted all of this to continously get that they investigated even witih factual proof provided. I would like this removed and deleted from my report, for inaccuracies. 
" In Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet,  Equifax, et al, the courts ruled in each of these cases that the CRAs could not merely " parrot '' back the same creditor information which the CRA already had in its files. The courts ruled that the CRAs had to conduct an independent REASONABLE investigation to ensure the validity of the information along with the honesty and integrity of the creditor or CA in question. '' XXXX, XXXX, XXXX, XXXX XXXX XXXX. ALL REPORTING INACCURATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I RECENTLY PAID OFF IN FULL MY CREDIT CARD BALANCE FROM XXXX ( ISSUED BY WELLS FARGO BANK ) AND WHEN I PULLED MY CREDIT TO MAKE SURE THAT IT WAS REPORTING CORRECTLY IT WAS NOT. I ALSO NOTICED THAT THEY HAVE REPORTED THIS ACCOUNT AS BEING LATE ON PAYMENTS FROM XXXX OF XXXX TO XXXX OF XXXX AND THIS IS INCORRECT. MY DEBT WAS BEING MANAGED BY A DEBT MANAGEMENT COMPANY WHICH ALL PAYMENTS WERE MADE THROUGH THEM TO INCLUDE THE FULL PAY OFF AMOUNT JUST THIS MONTH. 

I CALLED XXXX AND THEY ARE NOT HELP, THEY CAN NOT PROVIDE ME WITH VERIFICATION OTHER THAN TELLING ME IN THEIR SYSTEM THAT MY PAYMENT WAS LATE DURING THOSE MONTHS LISTED ABOVE AND THIS IS INCORRECT. ALL PAYMENTS WERE LOGGED BY THE DEBT MANAGEMENT COMPANY. NO LATE PAYMENTS SHOULD BE LISTED ON ANY OF MY CREDIT REPORTS. 

THIS COMPLAINT IS NOT AGAINST THE CREDIT BUREAUS, IT IS AGAINST XXXX FOR VIOLATION OF THE FAIR BILLING ACT AND THE FCRA. IF XXXX DOES NOT REMOVE THE LATE PAYMENTS FROM THE ACCOUNT HISTORY I WILL BE FORCED TO SUE THEM FOR VIOLATION OF THE FEDEERAL LAW WHICH CARRY 'S A {$1000.00} FINE FOR EACH VIOLATON. I WOULD ALSO SEEK REIMBURSEMENT OF ALL ATTORNEY FEES IF IT GOES THAT FAR. 

THEY ALSO ARE STILL REPORTING IN THE COMMENTS SECTION OF THE ACCOUNT " PAYMENTS BEING HANDLED BY 3RD PARTY DEBT MANAGEMENT COMPANY '' THIS IS NOT SUPPOSED TO BE SHOWING UP AS THEY DEBT HAS A XXXX BALANCE AND IS NOT LONGER HANDLED BY THAT COMPANY. 

THE FCRA SAYS ALL INFORMATION BEING REPORTED MUST BE ACCURATE, COMPLETE AND VERIFIABLE AND IN THIS CASE IT IS NOT AND I AM SEEKING AN INVESTIGATION INTO THEIR REPORTING AND ASKING THAT A FINE BE APPLIED TO THEM FOR VIOLATION OF THE LAW. 

THIS IS NOT THE FIRST TIME THAT WELLS FARGO HAS BEEN GUILTY OF DOING ILLEGAL THINGS AND I WANT FULL RESOLUTION OF THIS ISSUE IMMEDIATELY

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XX/XX/20 XXXX This account does not belong to me and has inaccurate information about me reporting to the bureaus and bureaus have not verified the information. I have asking for verification and validation of this account. The collection agency/lawyer replied back with inaccurate information.

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