vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
Santander is refusing to remove fraudulently opened account by XXXX  XXXX who is no longer a business. I was able to get the account removed by XXXX  who did a investigation but the other bureaus are saying that sanatander is validatthe account. The account was fraudulently opened because the sales man XXXX at XXXX  XXXX  which is no longer a company went out of business due to fraudulent activity lied and said I was trading in my old car when I never traded it in. XXXX took a dope of my old car title and submitted it to Santander without actually taking my car. I was submitted into a loan that I never agreed to and the state of Michigan sued Santander per attorney general XXXX XXXX they are suppose to forgive my loan amount. The entire account is suppose to be deleted off all my credit reports. I have reached out to Santander numerous times they place me on hold and hang up. This is my 2nd complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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 — Was not notified of investigation status or results
Company: Professional Finance Company, Inc.
State: AL

Complaint narrative:
Failure to comply on XXXX  and XXXX request. I NEVER received a response or any proof to verify under FCRA 623 ( a ) ( 8 ) on these accounts : 1. ) PROFESSIONAL FINANCE C XXXX Date Opened XX/XX/2020 Balance {$1000.00} 2. ) PROFESSIONAL FINANCE C XXXX Date Opened XX/XX/2020 Balance {$250.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I try to use on line banking as much as possible. I scheduled a bill to be paid electronically in XXXX. It was to be delivered by XX/XX/XXXX. It was due XX/XX/XXXX. I received notification on XXXX that it was not able to be paid electronically and they had sent a check. It said the funds could be taken out of my account before or after XX/XX/XXXX. 
Payment not received yet on XX/XX/19. 

Contacted PNC and they did not mail payment until the XXXX. Said they did not know about the problem until that day, but in actuality. according to their email, they knew on the XXXX. 

This is the third time this has happened with PNC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: MD

Complaint narrative:
I have filed an XXXX  affidavit to have inaccurate information removed from my account. The information was reinserted in my file and now they will not allow me to re-dispute. They refuse to open a dispute, telling me it was verified with the creditors but the date of verification is reporting in the past. They will not provide me with the means of verification. I have contacted the creditors and asked for proof that it is mine, a signed application or agreement. They have told me that they are unaware of these accounts and can not provide me with proof. I have relayed this to Experian. i am currently on the phone with Experian and they are refusing to allow me to speak with a manager. I was told one would call me back, I have asked for a call back on my last 3 attempts with no contact. The accounts i am requesting be removed are : Account Name XXXX XXXX XXXX XXXX Account Number XXXX Balance {$2100.00} Status Updated XX/XX/2019 Account Name XXXX XXXX XXXX XXXX Account Number XXXX Balance {$5300.00} Status Updated XX/XX/2019 Account Name XXXX XXXX Account Number XXXX Balance {$0.00} Status Updated XX/XX/2019 2019

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 2020-11-19 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: NV

Complaint narrative:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2020 I called Reliacard to file a dispute. Everything went smoothly at this point. I received my new card the same day I received the forms to file my dispute XX/XX/2020. I called in to activate my card and was instead told that they had no record of sending a new card and that my account was closed with a note stating not to reopen it and had no answer as to how I would receive the money that I still had in my account. When I asked as to why their response was they had no idea that all it says is to not reopen the account. Later that day I filled out the dispute forms and faxed them in with the additional information they needed. On Monday, XXXX XXXX I received a letter dated the XXXX stating they had made a final decision regarding my dispute. On the XXXX I had not received any forms so was unsure as to how they came to the decision already. I called in and was told that it would be 3-5 business days before the right department would receive my complaint to continue the investigation on my dispute with still no answer as to why I couldn't receive the funds in my account nor when I would be able to. My lease is up on XX/XX/2020, and with my landlord refusing to resign my lease, I'm having to move, and having Reliacard withhold my funds has made this an impossible task which is causing problems between my landlord and me.

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 2020-11-19 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: CA

Complaint narrative:
Experian continually fails to process disputes. I have submitted and resubmitted disputes ( requests for investigations and reinvestigations ) several times through the CFPB portal and Experian continually claims it is not being submitted by me even though I provide all the correct identifying information which includes but is not limited to my Driver 's License, Social Security Card, and recent Utility Bill in my name. If I try to submit these disputes via US mail, they get ignored by Experian. When it comes it submitting disputes via Experian.com, they do not allow you to dispute inquiries and so you can't submit anything. 

Experian, please process the attached dispute. Failure to process the dispute and investigation ( including any reinvestigations ) requested will result in a lawsuit in small claims court. 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 explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: UT

Complaint narrative:
United Wholesale mortgage - XXXX is reporting a 30 day late on XX/XX/XXXX & XX/XX/XXXX and I was never late. I have had several accounts with them for a very long time, this particular mortgage I had called to set up on auto draft back in XX/XX/XXXX along with my other mortgage with these guys that I pay for my ex wife XXXX. 
I set up both accounts on auto draft over the phone with your representative. I didn't get a notice from these guys until later that I had a past due amount and that I was late, even though I had already been in contact with you guys & set this up.. Then I set it up again with you guys over the phone. I never ONE TIME in my life have got a late payment on any account. So the representative set up my one account on auto draft but the one for my house I live in didn't go through or get set up, but not due to my error. Please remove the lates off of my credit file as this wasn't my error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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 — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
My account with BBVA Visa Card opened XX/XX/2019. Within one year and 2month period, my BBVA Visa card compromised three times already because someone made a fraudulent charges and when I reported to BBVA they BLOCKED the card and replaced with new card. I live in XXXX XXXX XXXX and these fraudulent charges from XXXX where BBVA have more activity. look like, someone inside BBVA leakage the information. When I reported about this, the representative of BBVA do not take serious and see why within one year they have to issue fourth card and they have to blocked the previous card. My husband also have a individual account with BBVA also and he also had similar issue. I do have other visa cards from other bank but no one have this issue last many years. LOOK like BBVA have a problem to keep consumers information correctly and provide credit card information ti other and they make all these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: MI

Complaint narrative:
XXXX is refusing to remove fraudulently opened account by edge auto who is no longer a business. I was able to get the account removed by transunion who did a investigation but the other bureaus are saying that sanatander is validatthe account. The account was fraudulently opened because the sales man XXXX at XXXX XXXX which is no longer a company went out of business due to fraudulent activity lied and said I was trading in my old car when I never traded it in. XXXX took a XXXX of my old car title and submitted it to XXXX without actually taking my car. I was submitted into a loan that I never agreed to and the state of Michigan sued XXXX per attorney general XXXX XXXX they are suppose to forgive my loan amount. The entire account is suppose to be deleted off all my credit reports. I have reached out to XXXX numerous times they place me on hold and hang up. This is my 2nd complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: MI

Complaint narrative:
XXXX is refusing to remove fraudulently opened account by edge auto who is no longer a business. I was able to get the account removed by transunion who did a investigation but the other bureaus are saying that sanatander is validatthe account. The account was fraudulently opened because the sales man XXXX at XXXX XXXX which is no longer a company went out of business due to fraudulent activity lied and said I was trading in my old car when I never traded it in. XXXX took a XXXX of my old car title and submitted it to XXXX without actually taking my car. I was submitted into a loan that I never agreed to and the state of Michigan sued XXXX per attorney general XXXX XXXX they are suppose to forgive my loan amount. The entire account is suppose to be deleted off all my credit reports. I have reached out to XXXX numerous times they place me on hold and hang up. This is my 2nd complaint

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 2020-11-19 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX financed a vehicle for me, and the vehicle broke down a few months into having it, and the cost of the repair was too expensive to pay along with paying the monthly car payment. I voluntarily gave the vehicle back to the credit union, and they sold the vehicle at auction and took me to court for the remaining balance that was owed after the auction sale. A XXXX County South Carolina judge made an order of the amount that was owed to the credit union, however the credit union is reporting that I owe them {$9200.00}, which is inaccurate. South Carolina Federal is purposely ignoring the court order, and reporting an aggressive derogatory remark in the remarks section on my credit report, and they refuse to correct the amount really owed for the vehicle. By law if information is inaccurate on a credit report, it must be removed. I have included the court order in numerous disputes which proves the inaccuracies, but the credit union continues to lie to the credit bureau and say the information is correct.

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 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I purchased a {$200.00} prepaid gift card ( Visa # XXXX XXXX XXXX XXXX ) at XXXX XXXX so I could buy products on XXXX. XXXX would not accept the card because it was a debit card.. I checked the balance and reset the pass code. The system said there was {$200.00} on the card. I then tried to buy groceries at XXXX XXXX with the card. They also said there was an issue with the card and I should just go to an ATM and take out cash. This morning I went to XXXX  XXXX XXXX and tried to withdraw {$100.00} as a test. It would not work. Blackhawk Networks is the administrator of this card but they will not accept calls. They only have an automated system. Their home office is also a dead end for phone calls. I believe they are a crooked organization. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have filed a complaint on numerous occasions against credit acceptance with XXXX. The account shows to be opened and credit acceptance is reporting the account is missing payments every month but the vehicle was voluntarily surrendered by me and sold by credit acceptance in XXXX of this year. XXXX from the complaint department has been handling my complaint. She is very unprofessional, not knowledgeable at all and refused to get me a supervisor when I demanded one several times on more than one day. Everytime I call credit acceptance they route me to XXXX and its unbelievable that someone so incompetent of their job is handling my complaint in the first place when I have asked for supervisors who are more knowledgeable of this situation. I no longer have the vehicle it was sold in XXXX the account is suppose to report CLOSED due to voluntary repossession. XXXX stated that there is nothing that they can do and to contact XXXX. XXXX  stated that I have to contact credit acceptance. No one is helping me. This is my 2nd complaint.

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 2020-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management is attempting to collect a significant amount of {$950.00}. This is an outrageous and horrendous amount since I don't owe them that much. I called them and a representative told me this onXX/XX/XXXX. I believe this is coercion because they have also threaten to sue me for the deceptive amount via mail. They have also attempted numerous of times in unwanted times of the day to call me in attempt to collect this fraudulent amount of debt. I believe this is in direct violation to the Fair Credit Reporting Act because of inaccurate amount and the huge count of unsolicited calls made to my personal phone line by this collection agency. They also fail to report the collection to the three major credit bureaus when this account got sold into collections back in XX/XX/2020. This is more than the 90 day period it takes for it be reported as collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: CT

Complaint narrative:
This company performed a hard inquiry on my credit without my authorization. This inquiry resulted in a lowering of my credit score. When I called the first contact number to discuss with the company the number was an out of service XXXXXX/XX/XXXX number. A second number sent me to a call support center in XXXX where they told me I needed to call a different number. That number sent me to a generic directory assistance service, and not the company. This seems potentially fraudulent and should be investigated.

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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
XX/XX/2020 : Myself and my parents were called on XX/XX/2020 by XXXX XXXX XXXX and told that I had a debt from a credit card company, XXXX, that was now in litigation and that I had a court date. They claimed that I had over $ 2k in debt and that my court date had been set. After inquiring a lot on my part, XXXX XXXX ( my " account manager '' ), told me that if I were to hang up the phone I would lose all access to my settlement of {$750.00}. I asked to speak to someone else as I was weary of giving personal info over the phone, she sent me to a man, her senior manager, and he directed me to XXXX to enter my info. I was told that I would be sued if I didn't settle today so after a lot of badgering and threatening, I agreed to give my debit card info via the website. 
XX/XX/2020 : After calling my credit company, I found out that Radius Global held my debt. I called them and I settled my real debt for {$380.00} on XX/XX/2020. I called XXXX XXXX XXXX  back in the meantime and spoke to the exact same two people that I had gotten on XX/XX/2020. XXXX immediately passed me to her " superior '' and he told me that I was wrong and that I was to be sued. He got progressively angrier at me as I questioned him and told him that I would be reporting him to my bank and the CFPB. At this point he began talking over me, threatening me with a court date and " expediting my case to the court '', yelled at me for siting untrue laws and then immediately hung up on me. During his rant, he told me he would refund my fees ( this did not happen ). I have since cancelled the related debit card, paid off my real debt and reported them here. I am waiting on the first payment to be disputed and returned. This is a scam based out of Georgia, be aware, they had ALL of my personal info, more than enough to be legit. But their website is from 2020 and the XXXX  has no record of them. Phone number is : 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 2020-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CBC Companies, Inc.
State: MA

Complaint narrative:
Im writing to file a former complaint against Factual Data They showing up on my credit report as they pulled my credit file when I dispute it the first time they send me a letter that my verbal authorization was given to a company that I have never heard of before and that I have never requested to pull a copy of my credit. I called and spoke with a supervisor at factual Data they told me they were not the one who handle it to try calling another number. If factual data does not handle such account why is it in my credit report as factual data. This to me sounds like fraud and Im requesting the inquiry be deleted right away from my credit report.

Company response to consumer: Closed with explanation