vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I set up a payment plan with Nissan Motor Corporation back in 2017 after they repossessed my vehicle, after a payment was made on my account. I contacted Consumer Affairs and Licensing, through XXXX XXXX XXXX. I worked with a young lady by the name of XXXX XXXX. On XX/XX/2017, the Mayors Office of Consumers Affairs and Licensing, received a letter from a XXXX XXXX XXXX, Senior Counsel, on behalf of Nissan Motor Acceptance Corp. stating in order to recover the vehicle I would have to pay  {$2700.00}, which I did on XX/XX/2017. I never received the vehicle back in my possession. I ended up filing a small claims judgement against Nissan Motor Acceptance Corp., in XXXX District Court. I was then contacted by an attorney they hired out of XXXX Ma. from The XXXX XXXX XXXX by the name of XXXX XXXX XXXX. We entered in to a stipulation of dismissal on XXXX XXXX and a confidential general release settlement and indemnification agreement which was to release the vehicle back into my possession and to take all negative items off my credit report. None of this was done. They took my money and kept the vehicle and they committed fraud against me. I have bad credit as a result of this transaction. I need help getting these negative items off my report as they have five of them on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A & O Recovery Solutions, LLC
State: SC

Complaint narrative:
I have been paying off this debt continuously so much that the actual balance is {$400.00} with a active and ongoing current payment. This balance is also showing multiple times across all credit agencies. Giving a false sense that I have a additional accounts under the same creditor for the same amount. which is causing a gross impact on my credit.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I received alerts on XX/XX/2020 from my all 3 credit agencies that Enhanced Recovery Collections had placed a collection on my credit reports. I had no collections for many years as I'm heading into retirement. I've never received any written notices, letters, or phone calls regarding this debt. I, of course pulled my credit reports and noticed underneath Enhanced Recovery Collections were the named original creditor XXXX XXXX. I've never, ever, done business with these people. I research and found out it could be a telephone or cable company. I've had XXXX for years now. Also, the information listed on my credit reports states description of company as Collection Dept/Agency/Attorney as a threat. It also shows as loan balance {$460.00} and original loan {$460.00} which doesn't make sense at all. It shows collection date XX/XX/2020 and updated on XX/XX/2020. I believe this company is taking advantage of consumers during pandemic and its a shame to destroy someone's credit under false pretenses. I want this incorrect information removed immediately or I will seek assistance from my state attorney 's office. The representative will ask for your information instead of getting information from the supposedly account number listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.

Complaint narrative:
PNC Reference : XXXX In email of XX/XX/2020 I instructed PNC Bank ( " PNC '' ) to close three accounts in my name. However, PNC refuses to close the account and charges fees for no service whilst maintaing these accounts active against my instructions. 

I have advise PNC of the following in writing ; 1. I have taken all reasonable steps to close these accounts. Alas the PNC system does not allow me to do so.

2. I have being locked out from online and mobile access to the accounts.

3. I no longer reside in the US, hence I am unable to use a branch to do so or use the address on PNC 's records for correspondence 4. I no longer own the mobile phone or number that is registered with PNC for communication or verification. 
5. I provided PNC with alternative mobile number for communication

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
my home loan was bought from XXXX by New Rez. Each month they tell me my pmt was late and i owe late fees. Several times I have sent documentation from my bank to New Rez to validate they cashed my check before the due date. This seems to work until the next payment is due and then I have the same problem. This is costing money and time. When I speak with someone in cust service they say my accnt is fine. When I request a payment summary statement it shows all pmts made before the late date. I am incurring late fees. My accnt # with New Rez is XXXX thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
recieved a late fee charge of 100 % on an overdue bill of {$23.00} on the first day overdue. the card was though amazon and the bank is Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
In XXXX, we went to XXXX and my wallet was stolen. We called all of our banks and asked them to cancel and reissue the cards that were stolen. We thought that took care of all of the issues, but apparently we were wrong. Fast forward 3 months and we receive a letter from US Bank stating that our credit limit would be decreased on a personal line of credit because we were past due in making payments. As we have not used this account in years, we assumed it may be fraud. Nope, just a bank charging fees that they never told us about and that we never agreed to, and then layering fees on top of those fees. 

Apparently US Bank decided to charge a " rush card fee '' of {$15.00} on XX/XX/2020 when we asked that our card be replaced. We were not told this fee would be charged and would not have agreed to it as there was no " rush '' involved. We hadn't used that account in years and were simply trying to be diligent to avoid fraud. Apparently US Bank saw it as an opportunity to increase fee revenue without telling us ( neither XXXX  nor XXXX  XXXX charged fees to cancel and replace our cards - apparently taking advantage of customers worried about fraud is not their thing, it is a US Bank thing ). 

To compound problems, they never sent a letter telling us they levied the fee, instead charging interest on the fee and assessing late payment fees on the fee ( below are the only charges on this accoun ) t. We have had several accounts with US Bank over the years and do not miss payments and otherwise pay them what is owed. However this is impossible to due when they assess a fee you don't agree to, layer fees on top of fees, and wait three months of  accumulating fees until they decide to send a letter that says " hey we're reducing your credit line because you aren't paying us. '' Imagine the shock to a customer who receives that letter who has a top tier credit score and never misses the payment. 

XX/XX/2020 Late Payment Fee {$15.00} XX/XX/2020 Interest Charge On Purchases {$0.00} XX/XX/2020 Annual Membership Fee {$0.00} XX/XX/2020 Late Payment Fee {$15.00} XX/XX/2020 Interest Charge On Purchases {$0.00} XX/XX/2020 Interest Charge On Purchases {$0.00} XX/XX/2020 Rush Card  Fee {$15.00} Thank you for this attention to this matter. If US Bank is willing to have practices like this with long time, paying customers, I can only imagine the tactics they are taking with vulnerable customers.

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 2020-05-24 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: TX

Complaint narrative:
I was a co signer on a vehicle financed with Santander USA. My husband and I filed for divorce and he was ordered to refinance the vehicle in his name. Santander USA made multiple collection calls to me. I tried inquiring information regarding the balance but they refused to give me details. They just kept asking me how I wanted to take care of it. Even after I explained that the primary account holder was ordered to refinance the loan they said I was financial responsible. I asked how can you hold me financially responsible but will not give me access to the account or give me any details about amounts due. They refused to disclose any information regarding the account. They reported against my credit but never sent any letters to me to explain anything was past due. I disputed credit reports and Santander updated some of the past dues. It is against the law to report to credit bureaus with providing any information amount debt owe. They told me when the account closed they would remove it from my credit history. Now I cant get it removed because they have no number to their credit department. Its causing my credit to be damaged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/2020 It says I have no credit but I think my identity has been stolen as I've been receiving many scam calls and emails asking for my information and I clicked one of the emails by accident and feel my information is being used to take out student loans and or credit cards

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC
State: NJ

Complaint narrative:
I applied for a loan modification in XX/XX/2019. I got denied with no explanation. Called and emailed for several months with no response. Finally got a response from somebody else explaining ( XXXX ) did not follow up on this and is new and XXXX will be helping me now. I was denied due to " too much money '' in bank. When I explained that the deposits they asked for were my daughters direct deposits from her job due to her not having a bank account they asked for proof so I sent the copies etc that XXXX asked for. I called and emailed several several several times regarding what is going on. Never got a response. Finally months after I called and spoke with XXXX and he apologized and apologized and promised to fix it. After about a month I called and he answered and said there is nothing he can do as I my loan was sent to their attorney and i am in Forclosure. What??? He stated that if I sent him {$5000.00} he would stop the foreclosure. I said great and to email me over the papers to sign and I would sign them and send them {$5000.00}. He then said that there was no paperwork to send that i just had to send over the money.???? That scared me so I then called and emailed their attorney. He too stopped responding to my emails and calls. The attorney XXXX stated that my file was on her desk with a note that said " hold for a few weeks and not to file yet. XXXX stated she will find out what's going on etc and that I should reapply for the loan modification again. I did and sent all the paper to her and she went over it and sent it to XXXX XXXX. I called XXXX a week later and they stated they never received it from her. I emailed XXXX and she stated it was sent. She emailed XXXX ( her assistant ) and CC 'd me to mail it again to XXXX. XXXX did a d CC 'd me also. I called 3 days later and XXXX still said they never received it. Then a month later when I called they said they did have it and were going thru it and it was sent to the underwriter. I've called and emailed over 100 times only to get no response. XXXX I spoke with a XXXX XXXX and he stated that I should send him {$4000.00} and make two monthly payments of over {$2300.00} to make my mortgage up to date but when I asked for paper work he stated that it would not be sent that it was only being done in good faith.???? 
I have every single email that was sent and received from XXXX XXXX And XXXX ( their attorney ) since this all started. I do not want to lose my house for any reason. This is the house i grew up in and that I am raising my kids in. This is ridiculous and unprofessional. Its scaring me and I need answers. 
XXXX XXXX XXXX Please send mean email address to send all the email correspondence that I have. It it was too much to upload here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
they have increased the rate from 3.1 % to 5.1 % in the last 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: KEYCORP
State: NY

Complaint narrative:
XX/XX/2020 - Fraudulent transaction on my checking account. {$1300.00} purchase at XXXX XXXX XXXX XXXX, XXXX, NY. 

XX/XX/2020 - Fraudulent debit challenged at local branch of Key Bank, temporary credit issued. 

XX/XX/2020 : I receive a letter from Key Bank informing me provisional credit for alleged fraud will be reversed : XX/XX/20 not allowed, XXXX XXXX XXXX XXXX. 

XX/XX/2020 - Key Bank withdraws funds from my account : {$1300.00}. 

A side note : at my XX/XX/2020meeting with the local branch manager, in XXXX, XXXX, I was informed that his quick review of my acct record clearly indicated the challenged transaction was fraud, because the bank flagged and stopped other fraudulent transactions from occurring on this same account just after the incident I'm reporting here. Without informing me, by-the-way. How in the world is it possible they then decide the disputed transaction is legitimate??? Bank is taking my money, because they are unable to recover it from the actual thieves, and to cover inadequate account security and safeguards. Please, HELP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/2020 It says I have no credit but I think my identity has been stolen as I've been receiving many scam calls and emails asking for my information and I clicked one of the emails by accident and feel my information is being used to take out student loans and or credit cards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/2020 It says I have no credit but I think my identity has been stolen as I've been receiving many scam calls and emails asking for my information and I clicked one of the emails by accident and feel my information is being used to take out student loans and or credit cards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Back in XXXX there was mold all over the walls of my apartment at the XXXX apartment complex. i contacted maintenance on multiple occasions and left messages for the office but no response about the black mold. i emailed them on XX/XX/XXXX about me vacating the premises because i have XXXX and other underlying health conditions and it was affecting my health they came out and just tried to paint over it and they thought i would stay. they told me over the phone that i would not have to pay the debt and they even wrote a letter of recommendation to my current apartment complex where i live now so that i could move in with no problems. now XXXX i have a collection account on all three credit reports for {$2400.00} through Rent Debt automated collections. now XXXX will not answer or return my calls about the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
On multiple occasions, I have contacted FiFtH Third Bank and explained to them on the loan 's maturity date and that I have never missed a payment on the XXXX XXXX. I was told that they inherited the loan from the original loan agency that I purchased the vehicle from. Fifth Third Bank told me that forced placed insurance was added to the original loan and so that is why the loan was not paid off. I explained to them that I have always had my own insurance on the vehicle. They asked for proof from my insurance company and gave me an email to send the documentation. I emailed the statement from my insurance company that proved that I had insurance on the vehicle thus no forced placement was needed and the cost, fees, and any interest acrued should be removed from the loan. I have gone round and round talking to several different representatives yet there is no-follow up on their part and every time I explain this it appears I am explaining it for the first time and they tell me to send the documentation of which has already been done. I asked for a statement of all of my payments since the inception of the original loan and Fifth Third said they would send it three times yet I have not received this statement/documentation. One representative said, they would contact the original lien holder and get the statements from the start of the loan because First Third only had information starting in the fall of 2018 when they took over the loan. I am refusing to pay anything else as I have paid for the vehicle in full and have NEVER missed a payment. Again, I already had insurance through my personal vehicle insurance provider and proof was sent. Please help!!! Fifth Third Bank is running a SCAM and they keep giving me the run-around and refuse to provide me my title for the paid vehicle. I HAD NO KNOWLEDGE THAT FORCED PLACED INSURANCE WAS PLACED ON THE VEHICLE. THERE WAS NO LEGITIMATE REASON FOR THEM TO PLACE IT ON THE VEHICLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a mortgage with Regions Bank that has been open since 2003. The account is in my name, XXXX XXXX, and XXXX XXXX 's name. XXXX recently filed bankruptcy. The Regions account was not included in his bankruptcy. I did not file bankruptcy and never have. Regions Bank has since started reporting to the credit bureaus that the account was closed and paid off. It was not closed and has not been paid off. Regions has stated in numerous phone calls that I am still responsible for the monthly mortgage which I have still paid each month even though its not reporting on my credit. I was in the process of refinancing and now can not do that because they have showed this closed on my credit reports. I have tried disputing it with the credit bureaus and am not getting any resolution that way. I have had numerous phone calls with multiple people at Regions and they will not resolve this. I have documents that they send each month for me to pay and proof that I have continued to pay each month. I just need Regions to report to the credit agencies that this is still an open account for me, that it has a balance due, and that I have continued to pay it each month on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MI

Complaint narrative:
Cash app froze my account for getting direct deposit sent to my account when my cash app is verified froze my account with {$500.00} on it wont let me send it withdraw it or spend it and have not reached back to me at sll

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24 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: NY

Complaint narrative:
Not my items reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Not my items reporting

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