vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: OR

Complaint narrative:
I opened up a Representative Payee account at US Bank on XX/XX/2021. I have been selected to be the Rep. Payee by the Social Security Administration to manage my moms Social Security. My mom is the beneficiary on the account ( but does not have access ) and is considered a senior ( XXXX  years-old ). My job is to pay her bills and provide her the difference for living. My mother only receives {$770.00} a month in Social Security. After I pay her rent she is left with only {$130.00} for the remaining month to live off. US Bank charges {$6.00} a month for this account unless certain requirements can be maintained. US Bank requires a minimum of {$1000.00} to be direct deposited into the account ( for the fee to be waived ) and I can not meet this requirement. Over a total year, the fees can add up to almost {$84.00} which is XXXX  percent of my mothers income. I have spoke to the Contact Center and they stated I should be able to get a, Senior indicator on the account so that this fee is permanently waived. She stated she could not help me with a fiduciary account as she doesnt open them, but I could go to a branch to have a manger help me. Today I went to the branch to explain the situation and the employee stated that because my mom is not a joint owner on the account, they can not add that indicator on there for me. My mom can not be joint on the account because its a Rep. Payee account. The employee stated they can waive it for the remaining year, but I should look into other options. This is ridiculous. This is a fiduciary account meant to protect my mothers Social Security funds. She is XXXX, elderly, and we can not open up other accounts with another bank given her situation. I want this fee removed off of this account. Does US Bank do this to all fiduciary accounts? Do they take XXXX individuals means of living who are on strict incomes? This is discriminatory to XXXX individuals, please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
on XX/XX/2021 my account said i had {$630.00} available in cash. i withdrew the money to my bank account. On XX/XX/2021 i was told i was told there was a duplicate credit to my coinbase account and i needed to repay {$630.00}. Until i pay i cant buy or sell crypto on my account. Also if in 5 days the money hadnt been paid coinbase would sell some of my crypto for the payment. Today is XX/XX/2021. After numerious email correspondence still no resolve. Ive alway had a balance of {$1000.00} dollars so there never was an issue for coinbase to collect their repayment. I am still froze out of my account with a balance over {$2300.00} dollars. I fill coinbase has stolen my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hi XXXX XXXX is reporting inaccurate information on my credit reports. I've contacted the company about this error and have been unsuccessful with them responding. by verifying the account balance as accurate. The account was also charge off and the creditor was paid. The creditor also resold the motorcycle and the balance is XXXX $ but s currently reporting {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Item on credit report, reported to trans union, as paid in full, they refuse to investigate, or correct, Ive contacted the collection co credit management lp they reported to all 3 credit agencys, the other 2 have removed it from my report. I keep disputing the say they investigate but nothing changes, its been settled for over 2 1/2 months and still nothing!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
See PDF letter and attachment. 

We would like to make a complaint about PNC National Bank wrongfully doing business and missing more than {$6000.00} of principal payments in our HELOC account. As a financial institution, how PNC mishandles customers money is unacceptable. 

In addition, between XX/XX/XXXX and XX/XX/XXXX, we have made a total of {$6500.00} principal-only payments. As of XX/XX/XXXX, our account shows the principal balance is {$140000.00}, which means more than {$6000.00} principal payments have disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have tried making payments from my Capital One 360 account to my vehicle auto loan back in XXXX XXXX and XXXX of 2021 to my capital one auto loan account. They sometimes would misapply payments made from the checking account to the auto loan account saying they had no knowledge of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contacted all three credit bureaus ( XXXX, Equifax , & XXXX  ) several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) via certified mail letters disputing errors on my credit report. The one in specific that I'm complaining about is XXXX XXXX XXXX XXXX. It is listed as a joint account under me and my wife name. This account does not belong to us. The credit bureaus has only sent responses saying it was valid/verified with no documentation bearing our signatures. I have also reached out to XXXX XXXX XXXX XXXX for validation ( XX/XX/XXXX & XX/XX/XXXX ) and they sent a generic letter that it was valid and another saying we didn't provide them with enough information, when we did. This is causing emotional distress and making it difficult for us to get approved for a mortgage. We need assistance with getting this off both of our credit reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
My vehicle was repossessed by the current loan provider for less than two payments. Now it seems that I will not be able to make all the fees incurred. The company says they have tried to work with me but send a repo guy late at night in the cover of darkness. Also they sent me a letter today saying that they are going to sell my truck by the XX/XX/2021. This was XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Hi XXXX XXXX is reporting inaccurate information on my credit reports. I've contacted the company about this error and have been unsuccessful with them responding. by verifying the account balance as accurate. The account was also charge off and the creditor was paid. The creditor also resold the motorcycle and the balance is XXXX $ but s currently reporting {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I sent a validation letter to the company, a month ago, to validate debt, in which they sent a lease and a rental amount owed that does not belong to me. I have not lived at the address they sent the lease for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a complaint to CFPB about Equifax handling of my credit report dispute. Equifax responded to the request stating they sent me an update. I received the update and it is a generic form letter. This is unacceptable. Equifax provided my credit report to these companies without my consent and they are not following the established FCRA guidelines for disputes. Equifax did not verify the accuracy of these inquiries. All they did was sent me a form letter. Equifax needs to delete these fraudulent inquiries or Equifax needs to verify the accuracy of each inquiry. If Equifax is unable or unwilling to verify these inquries within 30 days, they need to be deleted. 

I have contacted Equifax about this and they told me to send in a police report and/or a FTC Report . I have done both and even though they have evidence and documentation that this is fradulent, they still are refusing to do anything except send me a form letter telling me why they report inquiries. 

I do not want another form letter. I want Equifax to follow the FCRA and verify these inquiries. In the next repsonse I receive from Equifax, I am expecting to see the name, address, phone number, date, method of contact, and the person that each inquiry was verified with. ***** DO NOT SEND ME ANOTHER FORM LETTER THAT DOES NOT CONTAIN THIS SPECIFIC INFORMATION AS OUTLINED BY THE FCRA***** I should not have to keep telling Equifax how to follow procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
i am the co signer on the car i have been trying to get in contact with owner ..can not find her she changed number and addressed. spoke to car loan people they won't work with me .credit acceptance said that i would have to speak to other owner. i asked if i can do a separated payment where i can get this car off my name i was told no they need full payments ... i still don't have a driver license.. this is bring down my credit daily. i don't see how we even got the car loan with our income

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA VIOLATIONS : NOT MINE : REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX : DEPT OF ED/XXXX  ( XXXX ) XXXX Education DEPT OF ED/XXXX  ( XXXX ) XXXX Education DEPT OF ED/XXXX ( XXXX ) XXXX Education DEPT OF ED/XXXX ( XXXX ) XXXX Education DEPT OF ED/XXXX  ( XXXX ) XXXX Education DEPT OF ED/XXXX  ( XXXX ) XXXX Education DEPT OF ED/XXXX  ( XXXX ) XXXX Education DEPT OF ED/XXXX  ( XXXX ) XXXX Education XXXX  Phone number not available Education XXXX  Phone number not available Education XXXX  Phone number not available Education XXXX XXXX XXXX XXXX XXXX, TX XXXX REMOVE : XXXX XXXX ( XXXX ) XXXX Credit card XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX : XXXX XXXX Phone number not available Charge Card XXXX XXXX ( XXXX ) XXXX Credit Card XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been trying to get ahold to the 3 bureaus about my consumer file concerning some things being furnished on my consumer reports however, I have not been able to get assistance regarding my files and need assistance. thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been trying to get ahold to the 3 bureaus about my consumer file concerning some things being furnished on my consumer reports however, I have not been able to get assistance regarding my files and need assistance. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My Target card payment is set up for auto payment of the minimum amount due My settings still today say that my 'Current Auto Pay ' is set to 'Plan Type : Min Payment Due '. 

However, after I paid my minimum amount on XX/XX/2021 ( after which no minimum payment was due ), I was billed again by Target for the minimum payment amount on XX/XX/2021. My bank account did not have sufficient funds for a second payment so the second payment was rejected, and Target charged me an 'auto pay returned payment ' fee of {$29.00}. 

I contacted Target on XX/XX/2021, to reverse the fee. On XX/XX/2021, Target refused to reverse the fee. 

On XX/XX/2021, I contacted the XXXX XXXX XXXX. On XX/XX/XXXX, Target again refused to reverse the fee for returned payment. Target responded that the online payment page indicates that Target will auto-bill a customer for a minimum payment amount even if no minimum payment amount is due. 

This practice of double-billing its customers is an abusive business practice. My auto-pay 'Plan Type ' is 'Min Payment Due ', and I can see no business need for Target to double-bill its customers, except to fish for extraneous fees. 

To wit, the auto-pay feature on my XXXX XXXX card does not auto-bill me for the minimum amount due if/when when I make the payment early. 

I indicated to XXXX XXXX XXXX that I want to escalate my complaint against Target from an issue of deceptive business practice to an issue of abusive business practice, and they advised me to file with the Consumer Finance Protection Bureau. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been trying to get ahold to the 3 bureaus about my consumer file concerning some things being furnished on my consumer reports however, I have not been able to get assistance regarding my files and need assistance. thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waterfall Revenue Group
State: DE

Complaint narrative:
Dates were XX/XX/2016 the amount was for {$180.00}. That exact date I provided them with a receipt where I paid {$88.00} at time of service so the amount that they are reporting in in correct and false. Ive contacted them on several occasions in reference to affairs but they have yet to respond to the matter correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC.
State: OK

Complaint narrative:
I sent this request on XX/XX/2021 : I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. Account Name : XXXX  XXXX Account Number : XXXX 1. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 2. The date of last activity you are reporting for the below accounts dont match my records. 3. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. 4. No High Credit limit is reporting on XXXX. The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof. 

They not only violated the FCRA with their response on claim XXXX but this company attach the wrong Master Promissory Note ( MPN ) to my response. Please see attachment or go back and look at the attachment with their response. I dont know who this is but you have put all of these people at risk of identity theft with your negligence. I dont know who XXXX XXXX or XXXX XXXX is but they will be contacting you soon. I am concern because my personal identifiable information can be floating out here due to the negligence of ECMC. Please take a look at this company and their practices. Im disputing the the information that is reported to the credit agencies. They are only reporting information that is given to them by ECMC. ECMC is giving out other people information and I am worried my information can be floating out there. Why is my account information attached to their promissory note? Please explain.Please investigate and remove this account due to inaccurate reporting. Please see attached proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have contacted all three credit bureaus ( XXXX XXXX , & XXXX  ) several times ( XX/XX/21, XX/XX/21, XX/XX/21, & XX/XX/21 ) via certified mail letters disputing errors on my credit report. The one in specific that I'm complaining about is Capital One Auto Finance. It is listed as a joint account under me and my wife name. This account does not belong to us. The credit bureaus has only sent responses saying it was valid/verified with no documentation bearing our signatures. I have also reached out to Capital One Auto Finance for validation ( XX/XX/21 & XX/XX/21 ) and they sent a generic letter that it was valid and another saying we didn't provide them with enough information, when we did. This is causing emotional distress and making it difficult for us to get approved for a mortgage. We need assistance with getting this off both of our credit reports as soon as possible.

Company response to consumer: Closed with explanation