vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I, XXXX XXXX, consumer and former member of PNC bank, wish to file a complaint against PNC bank for violation of the Electronic Fund Transfer Act heretofore known as EFTA. ( EFTA ) is a federal law that protects consumers when they transfer funds electronically, including through the use of debit cards, automated teller machines ( ATMs ), and automatic withdrawals from a bank account. Among other protections, the EFTA provides a way to correct transaction errors and limits the liability resulting from a lost or stolen card. 

Electronic fund transfers are transactions that use computers, phones, or magnetic strips to authorize a financial institution to credit or debit a customers account. Electronic transfers include the use of ATMs, debit cards, direct deposits, point-of-sale ( POS ) transactions, transfers initiated by phone, automated clearinghouse ( ACH ) systems, and pre-authorized withdrawals from checking or savings accounts. 
The EFTA outlines requirements for banking institutions and consumers to follow when errors occur. Under this act, consumers can challenge errors, have them corrected, and receive limited financial penalties. The EFTA also requires banks to provide certain information to consumers and defines how they can limit their liability in the case of a lost or stolen card. 

If the institution is notified within three to 59 days of a lost card, the liability could be as much as {$500.00}. And should it not reported within 60 days, the consumer isn't protected from liability at all, meaning it could forfeit all funds in the associated account, and be responsible for paying any overdraft charges. 

My complaint hinges upon the fact that the complainant informed PNC bank of unauthorized charges on his account within 60 days of opening his account. The account was opened on XX/XX/XXXX. I began receiving notices from PNC bank at the end of XXXX concerning fraudulent activity on my account. Consequently, PNC bank ignored the complainants requests to flag his account for fraud and to disable his stolen card after noticing the unusual activity and transactions that took place on his account. Because PNC failed to protect the complainants account from fraud, they have violated the spirit of the act and should be addressed accordingly. The Act clearly states that if an institution is notified within three to 59 days that the liability is capped at {$500.00}. PNC bank has now initiated collection procedures ( see attachment ) against the complainant without legal basis or due process and has initiated irreparable damage to me financially and professionally and I am seeking damages for their egregious and willful violations to EFTA. I am seeking damages of {$5000.00} for their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I filled a have dispute its been well over 30 days and I have not yet received a investigation status or results. I also sent a copy of the Police reporting identity theft for the following items below : Address XXXX XXXX XXXX XXXX XXXX CA XXXX Address identification number XXXX Address XXXX XXXX XXXX XXXX XXXX CA XXXX Address identification number XXXX Account name SANTANDER CONSUMER USA Account number XXXX .... 
Recent balance {$34000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX these items are fraudulent and needs to be removed from my credit file immediately.its affecting my life and stoping me from low interest rates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Something is seriously amiss at Equifax. XXXX  and XXXX both have an accurate credit history on me. Equifax claims that I do not exist and sent a form letter to that effect. Equifax was sent a current copy of my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I switched from XXXX to XXXX on XXXX XXXX, XXXX. I called XXXX the same day to cut off services and asked for a final bill. I was told I owed {$33.00} and received and paid this amount ( see Final Account Invoice attached from XXXX  ). In late XX/XX/XXXX, I started to receive invoices from XXXX. I noticed recently that the account number had different last four digits. I made XXXX billing agent ( XXXX ) aware of this yesterday ( XXXX XXXX, XXXX ). 

In XX/XX/XXXX, I spoke with an XXXX  agent ( can not recall name ) and was told I do not have a balance, that the bills get generated before my account was updated. In XX/XX/XXXX, I received another invoice from XXXX with a different amount that noted {$13.00} credit. I called XXXX billing on the XXXX XXXX and the agent was unprofessional and rude, and told me I needed to pay as my service was through the XXXX XXXX, XXXX, although she confirmed that I cut off my service on the XXXX XXXX, XXXX. 

I called again on the XXXX XXXX and XXXX billing agent ( XXXX ) reviewed my account, told me that everything was in order, my final payment of {$33.00} was received and that I owed XXXX nothing. On the XXXX XXXX, XXXX, I received a call and caller said she was from a collection agent and I owed a debt. I explained to her that I did not owe any monies to XXXX, and told her it seemed like fraud and an insider in XXXX. She hung up the phone on me. A few days later, I received a letter from Collection Bureau of the Hudson Valley , Inc . I did not call the phone numbers listed. The Account number listed for XXXX is not the account number on my prior XXXX invoices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MD

Complaint narrative:
On approximately, XX/XX/2021, I send an email over to CashApp Support, regarding a problem of unauthorized charges made to my account. I was instructed to reach out to the company to try and resolve the problem. Upon doing such I was told by the company, ( XXXX XXXX XXXX ) that I would be receiving a refund so that I did not have to bother with finding a claim anyhow since they were unable to provide service and the account was deemed cancelled. The woman stated that it would take 3-5 business days to cancel and depending on banking policy I'd receive refund. However, that never happened, so I then sent another email to CashApp Supporting trying to explain what happened and they assured Id be hearing form someone else to open the case and get things rolling. Here it is XX/XX/2021 and still nothing had been done. Although, I did advise that I would contact the OCC. However, the OCC website appears that they are not governed by them. Rather the try the FDIC I started with this per web description on the OCC. I explained that there was nothing I signed and that I did not authorize the transaction and for them to proceed accordingly getting back the funds and here we are. I have more emails I am just not able to access them right now so below you will find screenshots of the emails I was able to get off my phone. I can send more including the initial email regarding the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: TX

Complaint narrative:
I went to court and hired an attorney to settle the debt. I have copies of the mediation and settlement agreement and Equifax is still reporting it on my credit. I have attached copies of the settlement documents as proof in my file. Equifax is abusing its credit bureau priviliges against consumers in an effort to get money out of them and still not doing their part in holding up to their agreement. Equifax needs to block them in e-oscar so they will not be able to hurt the public and continue to manipulate consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: DC

Complaint narrative:
In XX/XX/XXXX, I reviewed my credit and noticed XXXX XXXX was reporting as an outstanding collection account. The same day I mailed a debt validation notice requesting the method of verification for this alleged debt. I received no response. In XX/XX/XXXX, I sent a second letter via certified mail with a second request for a method of verification/debt validation. I also requested specifically what method of validation did the credit bureaus receive to determine the debt was valid.I requested the credit reporting agency provide copies of whatever information the collection agency provided to validate this debt and if the documentation could not be provided, I respectfully requested for the item to be removed from my credit report. As of today, XX/XX/XXXX, I have not received any of the requested information and the debt is still reporting negatively on my credit. Secondly, XXXX XXXX currently does not have a valid business license in the District of Columbia. The District of Columbia requires each entity conducting business in the District to have a General Business License from the D.C. Department of Regulatory Affairs. I would like XXXX XXXX to validate the debt by providing an original contract with original signatures, detailed proof of title, and provide a valid General Business License as required by DC LAW 47-2851.03d. If the documents are not provided it is in direct violation of FDCPA section 809.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had a account with Simple.com bank and opened a protected goal account with them. I closed the account in XX/XX/XXXX. 

I received a interested earned 1099-INT statement for them in XX/XX/XXXX. To confirm the interest amount, I wanted to check my statements.When I went online there was no statements for this account. 

There is no direct call number on their website. I send email to support mail box and there is no reply for 7 days. 

I called BBVA bank from whom I got the 1099-INT statement. They transferred me to Simple call center and then after 1 hr waiting they send me some statement which was XXXX and not complete. 

As per that statement interest payment is not tallying and also balances are not tallying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: GA

Complaint narrative:
I have reached out to XXXXXXXX XXXX  to correct their reporting data to show my account was not past due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My account was approved to be in forebearance under the CARES ACT and XXXXXXXX XXXX  advised me that the payments will not be reported to the credit bureau as late payments while under this program. XXXXXXXX XXXX in turn did report my account as 90 days and 120 days late to the credit bureaus for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I disputed the items directly to the credit bureaus and as of XX/XX/XXXX XXXXXXXX XXXX continues to report as late payments for this timeframe. I reached out the XXXX XXXX around XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX ( Supervisor ) advised they would correct the inaccurate reporting. XXXX ( Supervisor ) call me around XX/XX/XXXX or XX/XX/XXXX to advise she would correct the reporting by sending the correct information to the credit bureaus. She even emailed me a letter from XXXXXXXX XXXX stating the information was inaccurate and should be removed from my credit report. I have a copy of the letter. My chief concern is that even after XXXXXXXX XXXX  assured me they would rectify the inaccurate reporting, the credit bureaus still to this day are receiving information back from XXXX XXXX that my account is 90 days and 120 days past due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXXXXXX XXXX  must immediately correct their system and update the credit bureaus. Due to this inaccurate reporting, I was denied for a mortgage. I am beyond frustrated with XXXX XXXX and wish that they correct their errors.

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 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: MO

Complaint narrative:
My name is XXXX XXXX and I have been trying to get these collections off my credit report since XXXX of XXXX. Since that time I have sent 3 Certified letters 3 times to ARS, XXXX XXXX XXXX and XXXX. I sent letters because I believe that my HIPPA Rights have been violated because I do not recall giving anyone or signing anything of releasing any of my medical information to anyone. Also, I asked for validation of debt letter and never received anything. Until XX/XX/XXXX ARS sent a collection letter but it has violations on it, according to 15 USC 1692 b 2 and 15 USC 1692 b 5. To this day over 120 days later, and that was the only letter I received. I also sent them an Affidavit about the violations. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I am in the process of getting a home loan and this is hurting me. I am a single parent with XXXX kids trying to make things better for us.

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 2021-02-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
They have repeatedly called my father about my debt and even threatened to sue him although he has nothing to do with my debt. This threat happened on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: AES/PHEAA
State: AK

Complaint narrative:
I have payments made on my account that should count towards student loan forgiveness under the XXXX program. Those payments are payments for the subsidized and unsubsidized loans for payment dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please correct the information on the account and include these as eligible payments under XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: TX

Complaint narrative:
I went to court hired an attorney and the debt is still showing on my credit report. Experian needs to block XXXX XXXX credit reporting privileges given my e-oscar as they continue to report inaccurate data on my credit report until full litigation has been completed. I have emailed the settlement agreement documents to Experian and still the matter remains. Experian still allows XXXX XXXX to report this to my credit file after seeing the documents from court. This needs to STOP ASAP because XXXX XXXX  is reporting inaccurate information electronically to e-oscar.

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 2021-02-04 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: LA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXXXXXX XXXX  emailed me stating they had system outage and that they were working on restoring access to accounts. Ive attached a screenshot of the email for your viewing. 
Thereafter, on XX/XX/XXXX i am notified by my credit monitoring service I have a change to credit and its for a major derogatory for my XXXXXXXX XXXX  account ending in XXXX. I immediately knew this was wrong since I had just made a payment about two weeks ago or less. Ive attached my bank statement showing proof of that payment for the month of XX/XX/XXXX. I contacted XXXX XXXX  services to advise and ask for remediation of issue. Im currently unemployed and need to keep my credit score clean and good and this issue dropped my credit score to almost more than 40 points! All they said was the issue was been fixed and they are aware to contact Experian if I need an updated credit report file. I asked for them to provide me with a statement explaining the situation and how it affected my account and they refused to do so. All the service advisor kept saying was I needed to contact experian! I am so disappointed with the handling of my credit information. They say it was just a system outage but Im afraid my information was compromised. Please reach out to them and ask them to at least provide more resources to their customers. I am not the only one affected million of their users shared frustration via XXXX in regards to their system issues and credit misreporting.

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 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Volvo Car Financial Services U.S., LLC
State: WV

Complaint narrative:
XX/XX/XXXX I returned a XXXX Volvo XXXX as instructed by Volvo. Volvo had performed a preinspection and noted several minor repairs I should have completed before turn-in. I followed their direction and left all the documentation in the car front seat. Volvo still charged me for all the repairs. After several phone calls and multiple resubmissions of the documented receipts and pictures, Volvo finally removed most of the charges. I paid the lease termination fee of {$300.00} and a lost key for {$250.00} but Volvo continued to send me invoices each month. As you can see in the attached XXXX  report the balance changed almost monthly for no apparent reason or without any clear itemization.

Finally, Volvo claimed that the roughly {$390.00} was for personal property tax. Since the State of VA prorates I ask Volvo to send me a statement of the tax record. They didn't send anything other than non-informational monthly statements. recently my credit score took a big hit 100+ points. After investigating I found that Volvo had charged off {$2800.00} dollars.

I have escalated this to a supervisor who claims there is nothing they can do, I ask the supervisor who would not provide his name or case/claim number. I ask for the supervisor I was speaking with for the 3rd time and he said " she '' would call me. I have received no call.

I ask Volvo to update the credit bureaus with the status of the account has been paid in full. Volvo agrees it's been paid in full but refuses to report this to the bureaus or have the {$2800.00} charge off.

This was a 3-year lease. Not a single payment was ever late.

Hoping you can help me. I have Federal Government clearances and that charge off could prevent me from obtaining future clearances to provide assistance to our Federal clients. I explained the serious nature of this to Volvo they didn't seem to care. Thank you for any help you can provide.

Company response to consumer: Closed with explanation