vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-14 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 contacted Experian on XX/XX/2020 to dispute XXXX XXXX XXXX XXXX  on my report, my claim was that Experian should remove XXXX XXXX XXXX account from my report since it's reported multiple lates on my report, and XXXX XXXX XXXX failed in the past to verify old statements from my account, my original claim was that XXXX XXXX XXXX gave me permission to pay 10 days after my original due date, but after payment they still reported me late, I contacted the original creditor serval times but they didn't fixed the issue, so I asked Experian to remove it but they did not removed it, and kept this account on my report without proper proof from XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My mother passed away at age XXXX on XX/XX/XXXX. I am a trustee of her trust. I filed papers to close her trusts checking and savings accounts at Bank of America on XX/XX/XXXX. The balances in these two accounts are {$41000.00} and {$86.00} respectively. I was told I would receive the proceeds in 5-10 business days. I emailed the agent I was dealing with on XX/XX/XXXX when I had not received the proceeds. He told me it would be 5-10 more business days until I receive the proceeds. It is now XX/XX/XXXX and I have not received the proceeds.

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 2020-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am unable to use PNC Bank with XXXX  in order to get my medication I think that is very ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to invest in a stock through the XXXX system/company. PNC Bank will not allow me to connect my account to give XXXX my information to invest in a stock/share of the company of my choosing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: GA

Complaint narrative:
There is a financial account on my credit I know is a mistake. It is from a company called XXXX XXXX. After doing a search for it on online, it appears to be an insurance company. I have never heard of them before. This account is not mine and I would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is a financial account on my credit I know is a mistake. It is from a company called XXXX XXXX. After doing a search for it on online, it appears to be an insurance company. I have never heard of them before. This account is not mine and I would like it removed from my credit report.

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 2020-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
In XXXX I was served court papers in XXXX county mo on a loan. The loan was with speedy cash but the thing is I didnt take our a loan. They filed papers with the court on a loan I didnt apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Received defective products with XXXX. Notified XXXX. Issue should have been resolved. Junk Debt buyer purchased debt for XXXX cents on the dollar and never provided validation of debt which is required under FDCPA. This is a right as notice of consumer is required. Invaded credit report and tarnished credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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:
this account was never late. XXXX has already updatte the credit reporting agency. Equinox is the only one that did not update correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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:
Try to dispute an account that is over 7 years old. XXXX XXXX XXXX repossed the vehicle in XXXX and wrote it off. They now after 7 years are coming back and adding it as a new account on my credit report with Experian. I tried disputing it twice throught Experian both times they came back and did not remove it. They have documentation on file showing this account is past the 6 year statute of limitations in the State of NY. XXXX wrote off the account and are now trying to double dip 7 years later and Experian is refusing to remove the account from my file. The amount of the write was {$2300.00}. The dates I contacted both companies was XX/XX/XXXX when the account was noticed on my report and again on XX/XX/XXXX. The account still remains

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 2020-06-14 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: TN

Complaint narrative:
This complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment. XXXX XXXX has a credit line of {$6800.00} ; XXXX has a credit line of {$1800.00} and XXXX has a credit line of {$1000.00}. Each of these accounts is paid in full. On previous accounts when I have filed a complaint regarding the account, the credit bureau, instead of investigating the dispute, they have simply removed the account from my credit report which in turn adversely affects my credit score by lowering my available credit by {$9600.00}. This is neither ethical or fair. I have spoken with each of the creditors and have been assured the card is being reported to each of the three credit bureaus, but they are not being reported.

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 2020-06-14 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: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
Try to dispute an account that is over 7 years old. New City Funding repossed the vehicle in XXXX and wrote it off. They now after 7 years are coming back and adding it as a new account on my credit report with XXXX. I tried disputing it twice throught XXXX  both times they came back and did not remove it. They have documentation on file showing this account is past the 6 year statute of limitations in the State of NY. NCF wrote off the account and are now trying to double dip 7 years later and XXXX  is refusing to remove the account from my file. The amount of the write was {$2300.00}. The dates I contacted both companies was XX/XX/XXXX when the account was noticed on my report and again on XX/XX/XXXX. The account still remains

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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 — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: HI

Complaint narrative:
I filed a dispute via XXXX  against Credit Acceptance Corp on XX/XX/20. I explained that I felt my balance was going up although I had made payments over what I was required to pay. Credit Acceptance Corp later responded stating that reported the information has certified to XXXX  that the information is accurate. Roughly two weeks later, they reported that I was 120 days past due. Although, in the months prior all my payments we reported as on time. I contacted customer service and asked why the didnt report it previously, because according to the FDCPA, they were to report accurate information. I also asked why I was past due and they said because I have fees. After closer inspection I realized they have been posting my payments mostly to their fees and not the principal so they can charge me and collect more interest. So, even though they told me to raise the payments to get caught up they confirmed the payments have nothing to due with their reporting standards for credit reporting. This is a very deceitful practice and should is illegal. Please advise.

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 2020-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/2020,, Cont,, Issues And Mr XXXX XXXX XXXX,, CEO,, Director Of Wells Fargo Sent And Email To All Customer And Busness Owners,, About The Covid19 Benifits And Assistance,,

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 2020-06-14 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: TN

Complaint narrative:
This complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment. XXXX XXXX has a credit line of {$6800.00} ; XXXX has a credit line of {$1800.00} and XXXX has a credit line of {$1000.00}. Each of these accounts is paid in full. On previous accounts when I have filed a complaint regarding the account, the credit bureau, instead of investigating the dispute, they have simply removed the account from my credit report which in turn adversely affects my credit score by lowering my available credit by {$9600.00}. This is neither ethical or fair. I have spoken with each of the creditors and have been assured the card is being reported to each of the three credit  bureaus, but they are not being reported.

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 2020-06-14 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: TN

Complaint narrative:
This complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment. XXXX XXXX has a credit line of {$6800.00} ; XXXX has a credit line of {$1800.00} and XXXX has a credit line of {$1000.00}. Each of these accounts is paid in full. On previous accounts when I have filed a complaint regarding the account, the credit bureau, instead of investigating the dispute, they have simply removed the account from my credit report which in turn adversely affects my credit score by lowering my available credit by {$9600.00}. This is neither ethical or fair. I have spoken with each of the creditors and have been assured the card is being reported to each of the three credit bureaus, but they are not being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: Sequium Asset Solutions, LLC
State: OK

Complaint narrative:
A company called Sequium had sent a collection agency notice to XXXX XXXX downgraded my score by many points 17 ( points pus ) There was an option where I could dispute the collection notice. 
Before I opted to dispute the credit reporting. I researched the source of the filing It appears that the original creditor was XXXX XXXX XXXX on an account that was opened in XX/XX/2020 for apparent cable connections o A balance of over {$300.00} was due I called Sequium and they had no reference on my name tied to any account I called XXXX XXXX  and they had no reference on my name tied to any account I opted to file the dispute because I have no cable service. Opened an account with XXXX for the filing of the dispute On XX/XX/2020, I receive an e-mail by XXXX  stating that the re-investigation was completed, and that there were no changes to the purported facts. I was never called, mailed, or e-mailed to corroborate any facts. 

On XX/XX/2020, I called Sequium 3 times. 
o The first time ( a XXXX XXXX ) advised me ( after not being able to find my physical address ) that they were removing my phone number from collection calls because I did not owe them anything. 
FYI - I was never getting collection calls o The 2nd time after the phone call was failed I am again told that there my name is not tied to anything with XXXX or Sequium o The 3rd time I speak to a XXXX XXXX who told me to call back on Monday After the Sequium call, I call XXXX XXXX ( after researching that they are the XXXX division behind the original debt. 
o XXXX XXXX was very friendly and courteous to the extent they could be. 
o XXXX told me that they could not find any link to my name with my address ( or known addresses )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I have a lease with honda financial services -- for my XXXX XXXX the lease is up today XX/XX/XXXX I have been trying for weeks to contact Honda about returning my vehicle, I have no heard back there phones and emails seem to be not working, I tried my local honda dealer asking about returning my vehicle -- they said I need to call Honda financial I  explain that I have tried. I tried to get an end of lease vehicle inspection and again not able to-I wish to return my vehicle and I no longer want to pay for my lease term please I need help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-14 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:
I have been disputing this creditor since XXXX XXXXExperian will not update my account with the creditor XXXX XXXX  XXXX When Experian does an investigation, the results are always returned in 3-5 days stating accurate information. The account shows paid ; closed ; charge off ( 12 charge offs ) for the same 6 accounts. I submitted proof from the creditor several times showing that the accounts are current and Experian still won't update my report accurately. Experian always update accounts 60 days after a payment has been confirmed by the creditor. My account with XXXX XXXX was paid on time for XXXX and XX/XX/2020, but still not updated. 
I have disputed and contacted both Experian and XXXX  about 2 creditors reporting incorrect information on my credit report. I have sent in proof that one of the creditors was paid in full and XXXX  refused to update the information. XXXX   stated that's the result of their investigation was accurate from the creditor, but the creditor is no longer in business. The creditor is XXXXXXXX XXXX XXXX balance $ 15,000+. The collection agency for XXXX XXXX XXXX is XXXX XXXX and XXXX XXXX no longer is responding to any calls nor a current lawsuit for over payment of this account. Payment information was submitted to the collection firm and they still won't update my report. Experian will not update my account with the creditor XXXX XXXX. I've been disputing this account since XX/XX/2020. The account shows paid ; closed ; charge off ( 12 charge offs ) for the same 6 accounts. I submitted proof from the creditor several times showing that the accounts are current and Experian still won't update my report accurately. Experian always update accounts 60 days after a payment has been confirmed by the creditor. My account with XXXX XXXX was paid on time for XXXX and XX/XX/2020, but still not updated.

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 2020-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GU

Complaint narrative:
XX/XX/2020. Amount : XXXX US dollars. PAYPAL payed for service that i never received. Ask for money back but Paypal said no. XXXX Visa Debit Card VISA Debit Card XXXX You'll see " PAYPAL XXXX '' on your card statement. 

Exchange rate {$190.00} USD = {$240.00} CAD 1 USD = XXXX CAD Transaction ID XXXX Sent to XXXX XXXX XXXX Note friends and family Details Sent to XXXX XXXX {$230.00} CAD {$180.00} Fee {$13.00} CAD {$10.00} Total {$240.00} CAD {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Good afternoon, I was charged a late fee on my XX/XX/2020 statement. I was not aware that a payment was due because I did not receive a statement. I have always paid Bank of America on time. I wrote a letter to the bank, but they refused to refund the fee. I have already made full payment.

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 2020-06-14 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I have made several attempts to solve this problem with no success and XXXX hasn't responded to any of my inquiries. Revenue Recovery Corp is not my debt and it has been over 30 days for my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This has been a repeat issue with XXXX XXXX the account there trying to have me pay on wasn't ever made by me the repeat phone calls at all hours and letter threatening to turn off my cable service now if not paid is on going threatening and there poor customer service skills aren't warranted at no time did I set up service at XXXX XXXX XXXX XXXX XXXX XXXX, Florida and when i asked them did the person give a proper I.D that's valid?? I've had service with this company for years and never before had customer service or experience this before and this needs additional attention not from me ... ... last message I left for them was XX/XX/2020 @ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 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: TN

Complaint narrative:
I have made several attempts to solve the problem with no success XXXX XXXX XXXX is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/2020, I withdrew {$45000.00} from my XXXX XXXX   Account and transferred it into my J.P. Morgan Chase accounts ending in XXXX and XXXX. 

Chase gave me access to that money. Then, Chase performed a debit return. The money was transferred back into my XXXX XXXX   with the joint holder. 

My Chase accounts went into the red, and I had to deposit money to get them back to a surplus.

My Chase accounts are still frozen. Chase has blocked me access to my own money, even if I try to retrieve it from the branch bank.

Company response to consumer: Closed with explanation