vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have contacted Experian 27 times since XX/XX/2019 about the following issue. Every time I call I am transferred to and from and all around departments because no one can seem to understand the issue or how to correct it. I have mailed and faxed multiple documents in the past months proving my identity. I have corrected my address and created a new password for my account. I am able to log into my account via the app and experian.com COMPLETELY fine. I am able to navigate the site without a problem. There is nothing wrong with my login information. The problem occurs and ONLY occurs when I click " Start New Dispute '' from the app and website. For some reason I can not access the Experian dispute center. I can not even view the status of completed disputes. I was also unable to upload important documentation needing to be attached to a dispute. Any time I try to start a new dispute or check the status of a dispute I receive the following error message : " We're experiencing technical difficulties and can not access your report at this time. Please try again later. XXXX Mon - Fri : XXXX - XXXX ''. In the 27 calls made to Experian and out of all the representatives I have spoken with I receive a different answer or I am advised it will be fixed in a few days. I have now way of managing my disputes or than postal mail. As we all know disputes can take a while and postal mail would add weeks to the process. This is COMPLETELY unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Commonwealth finance is a collection agency and committed fraud on my credit report they said that I have an outstanding loan with XXXX XXXX XXXX for the amount of around {$160.00} that is fraud it is not a loan XXXX XXXX XXXX is a hospital and I would like to have my credit stored to where it was it was back in XXXX when I seen this on my credit report it has dropped my credit 100 points for no reason it is not a loan it is fraud My credit came down from around XXXX XXXX  because of fraud commonwealth finance is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
XX/XX/2020 - Infiniti insisted that they HAD to run my credit for a loan through them even though I told them I had a loan from my credit union which resulted in many hard inquiries hitting my credit report. 
My son bought a car and so did I from XXXX XXXX, and for EACH purchase we already had a loan from our credit union and we both told them we DID NOT want or need financing. They insisted that they run our credit because they had to because its a law or a rule with their company. My loan was three years ago, and I was not happy but I let it go. My son who is only XXXX just received seven loan denial letters from various loan companies which were hard inquiries that hit his credit. We knew he would not receive credit because hes not been at his job long enough nor does he have any credit history. They ran his credit against his wishes and now his credit is worse because of this deceitful practice. While I love Infiniti, I am not happy at all with this credit game they play by insisting that that they have to run your credit. Its almost like a punishment for you getting your own loan and not using them. Very deceitful!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Midland credit was/is calling my family Memebers, my job, and my cell phone all hours of the day up to 15 times a day Attached to this complaint or four different pictures of my recent calls just the missed calls or screenshot it all of the unknown callers or Midland credit XXXX   Attached to this complaint or four different pictures of my recent calls just the missed calls or screenshot it all of the unknown callers or Midland credit XXXX. I repeat these are only missed calls and they are all from Midland credit in the last few days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09 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: NC

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$400.00} XXXX XXXX XXXX {$2200.00} XXXX   XXXX {$630.00} XXXX  XXXX {$2600.00} XXXX   XXXX  XXXX $ XXXX XXXX XXXX  XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I am trying to link PNC account to XXXX investment app. I tried several weeks ago to link my account and it said that PNC doesn't allow that but that they are working on it. 

I waited several weeks ... maybe a fee months and then tried again today. ( XX/XX/2020 ) They still do not have it straitened out so that the two accounts can be linked. I would like it to work as soon as possible. Thanks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
Second Mortgage Loan for {$27000.00} as guarantee to a Property was open on XXXX in First Bank Institution in PR. It was paid accordingly until end of XXXX. The property was on Sale and the balance of the first and second mortgage ( {$220000.00} ) was more than the Actual appraisal of the property ( {$160000.00} ) in a difference of almost {$75000.00} with charges.The First loan with XXXX XXXX agreed on a Short Sale, the Second Mortgage with First Bank did not. For this reason, the property began a Foreclosure Deed in Lieu procedure. The Second Mortgage Bank was informed of the foreclosure as they denied the Short sale process and I had no money to make the sale feasible. Foreclosure proceedings started in XXXX, court communications were presented and everyone was informed including First Bank. I called them several times and they continued to send monthly Invoices regarding the Second Mortgage Loan and making calls on due payments. They even sent letters on the insurance requirement. Every time I called and explain and they just took notes of it. I took two years and after Hurricane Maria situation, in XXXX, the court foreclosed the property in guarantee and sold the property for $ XXXX have called First Bank and tried to reason with them on what happened, the loan was paid always on time for 9 years and the keep reporting this account Open and every month report the late payment on a loan that should appear as closed. They do not want to change the information, they have never tried to negotiate with the balance owed or charge off, they just keep reporting the loan open and the balance continues to grow and earn interest. I have claimed this information on XXXX, XXXX  and XXXX XXXX and First Mortgage keeps answering as accurate. This account was a second mortgage lien on the property I used to owe. It was not a line of credit. The property was foreclosed, it should not appear on my credit report as open and reporting illegal monthly status of late payments. When I recently called them again three weeks ago the person stated that the First Mortgage should have paid the balance of the second and since it never happened, I still owe the loan and it still will appear as open. When I asked the person what about the property that guaranteed that loan? it does not exist, the person said that she did not know how that works. When I requested to talk to someone form the legal area or loss mitigation, they transferred me six times with no answer and just told me that the Legal area was not working due to COVID and that they would call me back, I am still waiting for the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: FL

Complaint narrative:
PNC will not allow me to connect my checking account to XXXX, which is an investment account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I have contacted Trans world systems on numerous occasions trying to resolve this issue on this account this account is paid and should be removed They referred me to contact XXXX XXXX XXXX @ XXXX several times I'm not sure who that is and if the payment has reached them they told me to pay XXXX and the account would be removed from my report because the settlement has been satisfied this is stopping me from have a correct score on my report please Remove the account from my report. I spoke with XXXX at the law firm on XX/XX/2020 for the third time trying to have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The bank is Santander with an office in XXXX, Pa. I have been a customer for 35 years. I have had a HELOC with a maximum draw down of {$200000.00} for many years. ( I do not have a 1rst mortgage with any bank ). As of XXXX, I had an outstanding balance of {$4.00}. When COVID became a risk for me ( I am XXXX and XXXX-compromised ), I quarantined for 2 months in XXXX, where I had been staying when the virus first hit. I had NEVER missed any payments in the past, and believed, wrongly, that a {$4.00} balance outstanding could be managed. This is in fact what happened ; 1- I received two calls from Santander in XXXX or XX/XX/2020 that began with a request for the last 4 digits of my SS #. I am not comfortable giving this type of data by phone to someone I do not know nor can I determine the veracity, and I said so. In both cases, the caller said there was no way to move forward and hung up without relating any information as to the purpose of the calls. 
2- In XX/XX/2020, I returned to XXXX to find a letter from Santander Collections, informing me that my HELOC was closed to any further draw down, and that I was assessed a {$40.00} in late fees. Additionally, Santander reported this to the various credit agencies ( taking my credit score from XXXX to XXXX in one fell swoop ). 
3- I called collections and customer service several times. No matter who I spoke to, the refrain was similar ; we called you twice, you did not pay it, you now owe us 2 months late fees ( i owed a {$4.00} balance ) now adding up to {$40.00}, and we are reporting you to credit bureaus ( {$4.00} balance ). 
4- Since then, I have paid the {$4.00} and zeroed out my HELOC balance. I am in the process of terminating the rest of my relationship with this bank ( I have a checking account that has auto-deposits, to include Social Security, every month ). 
5- What I am seeking ; relieve from the punitive {$40.00} late fees ( charged on a {$4.00} outstanding balance ) and written explanations to the credit bureaus from the bank removing the ding. 
XXXX, Santander should be ashamed with its behavior. {$4.00} outstanding balance, and the bank elected to exact a punitive toll on a long-term ( 35 years ) XXXX senior in the midst of a pandemic. Hard to fathom.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America has their Trade line name listed on my credit reports as if they have lent something of value to me. Based off of how the Federal Reserve says banks create loans, GAAP and the true substance of the funds, Bank of America has not lent anything to me on the alleged information that they claim to be the " creditor '' on my credit reports. I have tried to have the false and misleading information removed from my reports, but unfortunately they keep saying that it " meets FCRA requirements ''. This note alone is false and misleading. If they are not the actual creditor on the alleged account and can not prove the substance of what the amount they have allegedly lent, then there is no way they are meeting FCRA requirements. The below cases below shows proof that banks do not have the power to be the creditor. 


Case Law A national bank has no power to lend its credit to any person or corporation... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. 

The doctrine of ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked too often. Zinc Carbonate Co. v. First National Bank, 103 Wis 125, 79 NW 229. American Express Co. v. Citizens State Bank, 194 NW 430. 

" It has been settled beyond controversy that a national bank, under federal Law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires... '' Howard & Foster Co. v. Citizens Nat'l Bank of Union, 133 SC 202, 130 SE 759 ( 1926 ).

" It is not within those statutory powers for a national bank, even  though solvent, to lend its credit to another in any of the various ways in which that might be done. '' Federal Intermediate Credit Bank v. L 'Herrison , 33 F 2d 841, 842 ( 1929 ). 

. " ... the bank is allowed to hold money upon personal security ; but it must be money that it loans, not its credit. '' Seligman v. Charlottesville Nat. Bank, 3 Hughes 647, Fed Case No.12, 642, 1039. 

If any part of the consideration for a promise be illegal, or if there are several considerations for an unseverable promise one of which is illegal, the promise, whether written or oral, is wholly void, as it is impossible to say what part or which one of the considerations induced the promise. Menominee River Co. v. Augustus Spies L & C Co.,147 Wis 559-572 ; 132 NW 1122.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital one quick silver claims they update with credit bureaus every 30 days but its not true they reporting based off when they statement month start and ends which is cause me an issue because I paid credit balance off in full XX/XX/2020 and Im being told they cant update credit report with bureaus again until XX/XX/2020 when it should be reported XX/XX/2020 since it was paid in full in previous month of XXXX so Im taking another hit to my credit report coming off the pandemic where I already took so many hits to the report its bad business and as a consumer is causing me to be limited in what actual can obtain because my credit report is still showing delinquent when it shouldnt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
See previously submitted dispute below. Bluebird has still never contacted me by mail or otherwise to initiate the dispute of a fraudulent XXXX charge. I need this XXXX charge reversed today. This is ridiculous. 

XX/XX/2020 Bluebird Customer Care, XXXX. XXXX XXXX, XXXX, GA XXXX. RE : Family Account To whom it may concern : I am writing to dispute the XXXX XXXX  charge that appeared on my sons family account. He did not make this charge and we have been trying to get a hold of your fraud department for weeks, on hold hours at a time, to dispute this. And, you do not make your mailing address easy to find. I have several American Express accounts and have been pleased with them, but you have completely dropped the ball with this product. You need to give serious though to your customer service with regard to Bluebird cards. Your inability to take care of this fraudulent charge is ridiculous, even given the circumstances. You should allow us to dispute fraud on the website. What if this had been a fraudulent charge for more than {$9.00}? That could be devastating to someone. ***Please immediately dispute and reverse the {$9.00} XXXX charge, which posted on XX/XX/XXXX. We have already cancelled that card and requested a new one through our account on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I had contacted you a few months ago regarding my banking institution, Santander Bank and at that time I had stopped receiving my bank statements in the mail and there was no way for me to restart receiving them because it was a clerical error and there was no way on my computer to change the status of the statements. I had received a letter from the corporate office of Santander Bank stating that I would start to receive the paper statements but to date I still have not received them. I only had up until XX/XX/XXXX and that is because someone at the bank branch had forwarded them to me. I just realized that I had not gotten any further statements from the bank since that date. I do see that I should have XXXX 's and possibly XXXX 's but did not receive them. 
Then I had another upsetting experience when I went to log onto my account this morning and that was that they had debited {$2000.00} from my account. On Saturday, XX/XX/XXXX I went to the drive through at the Santander XXXX   Branch and cashed an XXXX insurance check for {$65.00} which I am waiting to clear from the bank. So, in checking this morning, I found that from that same branch {$2000.00} had been debited which was an egregious mistake. I spoke to the manager and told him that the teller at the drive through did not seem to know what she was doing and she is obviously the one that made that serious error. I was getting ready to go personally to the branch and call the police when I got there but then the manager called and told me he took care of it and that the teller made a mistake. You can't be making mistakes like this that involves thousands of dollars. My heart is still racing and I have a XXXX XXXX. I did not need this to happen. 
Santander is a very bad financial institution and the only reason why I stay with them is because I pay all my bills through online banking and most importantly my social security gets deposited in that bank. It would be somewhat of a hardship for me at this stage of my life to do this as I just had XXXX XXXX XXXX and other health problems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
XXXX XXXX was/is calling my family Memebers, my job, and my cell phone all hours of the day up to 15 times a day Attached to this complaint or four different pictures of my recent calls just the missed calls or screenshot it all of the unknown callers or XXXX XXXX   XXXX  Attached to this complaint or four  different pictures of my recent calls just the missed calls or screenshot it all of the unknown callers or XXXX XXXX  XXXX. I repeat these are only missed calls and they are all from XXXX XXXX  in the last few days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Im trying to connect my PNC online account to XXXX. I got a message stating that PNC made a change that prevents me from being able to link my account XX/XX/2020 XXXX

Company response to consumer: Closed with explanation