vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MS

Complaint narrative:
Money threw Cash App.posted but can not get my card since XX/XX/XXXX money just sitting has sent Cash app several text all is said we willget backwith you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have been struggling with PNC Bank and there ridiculous overdraft fees and nonsufficient funds fees. I have paid in excess of {$1200.00} in fees due to Payday loans ACH and automatic withdraws that I had asked to stop payments on. They said that it was not possible to stop these payments when I had asked before. But after doing some research, I discovered that I had been opted out of their overdraft protection feature by default after I had asked if there was a way to stop automatic withdraws and them telling me no. Had I been made aware that this was an option this overdrafts fees and insufficient fund fees would have never been inflicted sending me further into the red. I have made several calls and spoke with PNC asking to overturn the overdraft fees but they only have an allowance of 1 {$36.00} fee to be overturned. I have paid 15 in the last month, this is just another classic example of a big bank taking the consumers hard earned money unjustifiably to add to their 8 % of annual revenue in overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report is frozen without my consent or authorization. When Ive called transunions credit freeze number they transfer me to two separate departments, that can not help me. They also state they can not give me the direct telephone number for the department that they state is the only one that can help me. Ive called four times and have been transferred several times and each time they state they have no record of me calling the first two on  Wednesday XX/XX/XXXX at XXXX and Monday XXXX XXXX at XXXX. The website gives me error codes, as well as the mobile application, preventing me from removing the freeze myself. I am trying to purchase a home and my lender is unable to pull my report because of this freeze, I have picture evidence of the app that states my report is available and then the next day frozen again. This is stopping me from being able to get my loan and it is causing a burden.

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 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
SEEMS EXPERIAN IS UP TO THEIR OLD TRICKS AGAIN BY PUTTING FALSE STATEMENTS, FREEZES AND ALERTS ON MY CREDIT REPORT. 

THEY PUT THIS ON MY FILE WITHOUT MY PERMISSION AND I AM DEMANDING THAT IT BE REMOVED IMMEDIATELY. I DID NOT AUTHORIZE THEM TO PUT THIS ON MY REPORT AND IT BETTER BE REMOVED IMMEDIATELY. 

Statements Personal Statement ( s ) 26 & XX/XX/XXXX XXXX ID  SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX. 

LIARS IS WHAT THIS GROUP OF PEOPLE ARE. FICTIOUS LIARS THAT ABUSE PEOPLES FILES.

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 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Unable to place credit freeze with EQUIFAX after 3 hours on line and telephone today not to mention numerous attempts in the last 3 weeks. Always can not get through to an agent or complete transaction on line. Have moved 8 weeks ago and I even tried to use my old info from my previous but yo no avail. 

I was able to place a freeze WITHOUT DIFFICULTY with XXXX as well as XXXX. 

What do I or Equifax must do to get some credit protection? 

Have an account with them but but when trying to get on line I am told I must call them. Have tried numerous times with multiple numbers and can not get through!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Account paid. Reflect negative in my XXXX, XXXX and XXXX report. It unfair to be negative on my report when i was paid. I woould like to remove for all three all 3 credit of report XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My financial hardship started on XX/XX/2018. Prior to this date, I made every possible attempt to ensure that my monthly mortgage payments are made in a timely manner. However, due to business failure and medical situation I was unable to make my monthly payments. By the time I'm ready to pay the balance due and get reinstated, the loan transferred to PHH/ Ocwen Loan Servicing . Despite all attempts in obtaining a loan modification, as this date, we have received a deceptive response from PHH / Ocwen Financial Services. I have made numerous attempts to reach a representative with PHH / Ocwen Financial Services and have submitted the required documents for a loan modification through US mail and also their web portal. However, due to the lack of communication with a customer service representative and or the Relationship Manager has been a major challenge. Calls are placed on hold for hours and at the end unable to obtain accurate information. Consequently, due to inconsistency with the manner PHH/ Ocwen Loan Servicing conduct business, they denied the request for the loan  modification incorrectly. As of this date, they are ignoring the appeal for the loan modification denial using incorrect income, family income that contributes to helping with the housing expenses and incorrect property value. I have disputed the inaccurate NPV input chart and yet again my request has been ignored. It will be devastating to lose my home when I have to care of my XXXX children and XXXX XXXX senior citizens that will consequently be displaced should we lose our home. I just feel like, PHH/ Ocwen Loan Servicing is motivated to take my home.

We are requesting for PHH / Ocwen Financial Services to review our financial application using correct property value and income for a loan modification or a short sale and stop the unlawful foreclosure procedures. We reserve the right to take legal action against PHH / Ocwen Loan Servicing for this type of illegal business practice, VIOLATION OF THE HOMEOWNER BILL OF RIGHTS and UNFAIR BUSINESS PRACTICES CAL. BUS. & PROF. CODE 17200.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
This complaint relates to XXXX and PayPal. I used the latter to pay a recurring subscription for the former ( XXXX subscription that had ceased to be available ). I could not find a way to cancel the subscription through XXXX or XXXX. So I tried to cancel it through PayPal. PayPal makes it incredibly hard to figure out how to cancel a recurring payment and the instructions they provided could not be executed. I decided to cancel my account with PayPal and in the process they offer a warning that doing so may irreversibly impact my reputation. This is fraud! This would never be tolerated by a bank. Why is tolerated for a non depository payment company?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My financial hardship started inXX/XX/XXXX. Prior to this date, I made every possible attempt to ensure that my monthly mortgage payments are made in a timely manner. However, due to business failure and medical situation I was unable to make my monthly payments. By the time I'm ready to pay the balance due and get reinstated, the loan transferred to PHH/ Ocwen Loan Servicing . Despite all attempts in obtaining a loan modification, as this date, we have received a deceptive response from PHH / Ocwen Financial Services. I have made numerous attempts to reach a representative with PHH / Ocwen Financial Services and have submitted the required documents for a loan modification through US mail and also their web portal. However, due to the lack of communication with a customer service representative and or the Relationship Manager has been a major challenge. Calls are placed on hold for hours and at the end unable to obtain accurate information. Consequently, due to inconsistency with the manner PHH/ Ocwen Loan Servicing conduct business, they denied the request for the loan modification incorrectly. As of this date, they are ignoring the appeal for the loan modification denial using incorrect income, family income that contributes to helping with the housing expenses and incorrect property value. I have disputed the inaccurate NPV input chart and yet again my request has been ignored. It will be devastating to lose my home when I have to care of my XXXX children and XXXX XXXX senior citizens that will consequently be displaced should we lose our home. I just feel like, PHH/ Ocwen Loan Servicing is motivated to take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a transaction that presented when there was sufficient funds to process, was deducted from my account, then reversed, eventually returned to my account after other transactions were presented and bounced, then I was charged a {$35.00} NSF fee. The transaction should not have been stopped, but if it was why am I getting a fee and the funds removed also?

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 2019-09-13 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I placed an order XX/XX/2017 and I paid with my Comenity Bank/XXXX   credit card. I did not receive the items, and immediately advised XXXX customer service of my issue and called them several times after my initial call. I did not receive a response from Loft until XX/XX/17 asking for clarification on which items I did not receive. I immediately emailed customer service back the same day and advised that I did not receive any of the items I ordered. I did not receive a partial refund to my account until XX/XX/2017. I had to make several more calls for the other portion of my refund which was finally refunded on XX/XX/2017. I had to make several payments to avoid being reported late even though I did not owe any money. By the time everything was refunded I was advised by customer care that they would not report the late payments to the credit reporting agencies because of their negligence. However, I have been reported late and they are advising there is nothing they can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 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: CA

Complaint narrative:
My Trans Union Credit report states that the XXXX XXXX XXXX XXXX collection account was opened on XX/XX/XXXX of XXXX with a high balance of {$930.00}. This information is correct although I thought it would be covered by insurance but I am not disputing that much. 
The reason I am contacting you today and what I find is most troubling is that my credit report fraudulently is being reported as having a payment made in XXXX of XXXX. I have never made any payments to them. This deceit effects the date that the debt is removed from my credit report. They have also reduced the balance owed by {$690.00}. I have paid XXXX dollars to them. 
I want this account removed from my credit report or documentation of when payments were made, who made the payments & a full accounting of the account. How the balance went from {$930.00} to {$240.00}. 

Trans Union continues to report it incorrectly. 
Previous disputes to Trans Union for this account were completed XX/XX/XXXX, but failed to correct the report. Report number XXXX I have attached screen prints of my Trans Union File number XXXX that shows the account. Currently it is the only collection account in my TU credit file. They may have changed the account number. Old account number is XXXX & current account number is XXXX. 
This was a medical bill. I have attached a copy I obtained in XX/XX/XXXX from the original creditor, XXXX XXXX XXXX XXXX. 
Please investigate why Trans Union will not fix or remove information that is not accurate for this account. 
Once again, I have not made any payments at all on this collection account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I've had a Kohls charge account for over 15 years, I have not used the card in about 2 years but log on weekly to check my account, I tried to log on last week and could not access my account, I called Kohls customer service multiple times and multiple emails and they have no record of me ever having an account with them. The CS reps seem to think that my account was closed due to inactivity, which I understand, but I have tried to ask for a confirmation of my account being closed and a current balance ( which should be {$0.00} ) but they can not provide me with either. As a consumer I feel I have the right to be notified when any account of mine is closed and they should furnish me with the ending balance of my account for my records. Is it very strange they have no record of my account after 15 years and with identity theft very common I am concerned. I just got off the phone once again with a Kohls rep and once again no record of my account, at this point I just want to close this account, but I should receive documentation of the account closing and any balance due

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Santander/XXXX Bank XXXX XXXX XXXX XXXX. I closed my checking account and line of credit account in person XX/XX/XXXX at the branch. 
and they are still negatively reporting this account to all credit bureaus. 

I then declared bankruptcy chapter XXXX, XX/XX/XXXX. I was ordered in federal bankruptcy court to pay back 100 % of all my debts through the bankruptcy court for the next XXXX years. Which I did. 
and completed repayment in XX/XX/XXXX. Santander/XXXX XXXX   was named in my bankruptcy and has been paid in full their {$1900.00} through the bankruptcy court. But they are still negatively reporting that I owe them {$1900.00}. Which I do not and their reporting needs completely removed from all my credit reports.

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 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
i contacted CMRE Finance by phone on XX/XX/2019. I submitted a letter of insurance coverage from my insurance provided as requested. I contacted the original creditor directly as falsely reported on my credit report, The City of XXXX XXXX. The alleged original creditor does not have any information on me. I contacted them back on XX/XX/XXXX requesting information on the original creditor which CMRE refuse to give me and ask to amend the false information, which the CMRE has neglected to do. On XX/XX/XXXX I sent them a letter of validation of debt and they haven't responded. On XX/XX/XXXX, I sent them a second letter to which the have no responded. They still falsely reporting information to the credit bureaus. Additionally I have submitted disputes of information to the credit bureaus XXXX, XXXX and XXXX. These disputes have come with a no change to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
1 ) Synchrony Bank charges customer {$100.00} in late fees and interest for a {$25.00} purchase made 4 months prior at Banana Republic. 

2 ) Customer promptly pays the total balance of {$130.00} on XX/XX/2019 upon receiving the first notification from Synchrony Bank in the mail. 

3 ) Synchrony Bank reports late payment hit to customer 's Credit Score on top charging customer in 1200 % on an annualized basis in fees.

4 ) During the 4 months, customer had not been receiving communication from Synchrony Bank about the {$25.00} balance.

5 ) Synchrony Bank made no attempt to call or mail the customer, only sending emails that were not reaching the customer.

6 ) The customer had always maintained a history of early payment since opening the Synchrony Bank account. 

6 ) Customer had over a 15 year history as a customer of Banana Republic without issue.

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 2019-09-13 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My HOA foreclosed on my condo on XX/XX/XXXX and was sold at auction. Wells Fargo was the 1st lien holder. They did not start reporting missed payments until AFTER the auction and were allowing the auction winner to use access and use my mortgage for 18 months and they DISTROYED my credit. My credit went from XXXX to under XXXX AFTER the Auction because they were reporting me missing payment. 
At the Auction, the winners got the title and I believed they were supposed to pay off superior liens but they used mine until they sold the Condo in XX/XX/XXXX. 
I can't live in it, I can't rent it, I can't sell it because I don't have the title to it yet Wells Fargo told me I still have to pay for it and reported it to the credit agencies that I was not paying and now I can't rent a box to put on the street. 
I complained to the credit reporting agencies and Wells Fargo told them that this is perfectly acceptable to let other people use my loan. 
Wells Fargo told me " the owner has a right to protect their asset '' so it it is there asset why am I still responsible for the payment? 
They told them how much to pay to keep them from foreclosing on it and started the late payments all over again. 
I don't understand. I thought the auction winner had to secure funding BEFORE bidding at auction for a property. 
I have NOT hired an attorney because I can not afford one so if they tell you that again please ask them for a signed agreement with this attorney. I DON '' T HAVE ANY MONEY AND NOW NOBODY WILL LEND MY ANY.

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 2019-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Online payments made from XX/XX/XXXX through XX/XX/XXXX as identified by bank statements, The recipient of the online payments says she did not receive the funds. I am asking the bank to provide me the information of who and when the funds were withdrawn and the financial institution and account number of the recipient of the funds. The fund total is {$25000.00}. The bank statements only says the recipient of the online payment and the reference number.

Company response to consumer: Closed with explanation