vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MN

Complaint narrative:
Hello, I'm filling this complaint against Western Union. On XX/XX/2021 I received two confirmation emails from Western Union that my online transfers were successful. I was shocked and flabbergasted since I did not authorize any such transactions. There were specifically two transactions : one transaction for {$990.00} and another transaction for {$650.00} totaling {$1600.00}. The transactions were sent within minutes from each other and sent to the same person and location in XXXX, XXXX XXXX. I promptly called Western Union to inform that I never initiated the transactions. I was informed by Western Union that since the money had already been picked up there was nothing they could do. They simply gave me some useless reference number from Western Union and advised me to contact local law enforcement. In essence Western Union through neglect, complicity or poor oversight transferred {$1600.00} from my checking account at XXXX XXXX to unknown parties in XXXX. I demanded that they refund me my money and they refused to do so and kept telling me that they were not a bank and are simply a money transfer service and that therefore they were not responsible for these kinds of issues especially when the money was already picked up. I find this totally unacceptable and dishonest. How can Western Union illegally transfer money from my account to criminals or maybe their own employees and claim immunity from this? Although I was refunded through my bank ( XXXX XXXX ) I still feel obligated to denounce these types of dishonest, abusive and criminal business tactics. Please do everything you can to investigate this matter. It looks like Western Union has been conducting these types of disgraceful activities for too long and they need to be held accountable for their actions. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I sent AD ASTRA a proof of validation letter and they sent back two letters one that states my credit limit was {$360.00} and the other letter shows a balanced owed of {$720.00}. I have received two different letter stating I owe two different amounts. AD ASTRA is reporting false inaccurate information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Since XX/XX/2021, Bank of America has charged me over XXXX worth of overdraft fees and will not reimburse me the money that was charged. Nobody should be charged more than 30 overdraft fees in a 2.5 -3 month time period regardless of how much money was in my 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 2021-09-27 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: SLM CORPORATION
State: SC

Complaint narrative:
i HAVE DISPUTED THE BALANCE WITH BOTH SALLIE MAE AND XXXX BUT THEY JUST BLAME THE OTHER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I called in to inquiry about purchasing a vehicle with a consumer credit transaction. I was told to submit an application online to start the process which I did. I was also told that I needed to either get a co signer to go on paper with me or I had to give a third of the purchase price down payment in order to purchase the car. I was also told I am not the original creditor and I can not extend credit to purchase a vehicle.

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 2021-09-27 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: VA

Complaint narrative:
I have reached out to Transunion since XX/XX/2021. I have submitted my Identity Theft report 3 times and nothing has been updated on my report. I submitted disputes about inaccurate information on my report several times since XX/XX/2021, and nothing has changed. The credit bureau keeps stating the information was accurate. I submitted a debt validation letter requesting original contracts and proof they verified the information with these reporting agencies and companies and nothing has been sent but a letter saying they are accurate, but zero proof. My most recent letters were sent on XX/XX/2021, XX/XX/2021 and XX/XX/2021. I am aware they have 15 days from submission to provide proof of contracts and debt validation, and they have failed to do so. I have sent proof of address, as requested and addresses are still not updated on file either. I have called several times and nothing has taken place.

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 2021-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I requested verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I also requested that they cease and desist all collection activity, including credit reporting. I ask them to delete any and all reporting made to any consumer reporting agencies. They failed to address my very specific legal requests and are in clear violation of the FDCPA. 

They failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested they sent me a monthy statment and a monthly statements is not a contract or agreement and are nonresponsive to my verification request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: CO

Complaint narrative:
On XX/XX/XXXX I applied for the BBVA Select credit card. On XX/XX/XXXX I received an e-mail from BBVA congratulating me on my new card. On XX/XX/XXXX the {$99.00} annual fee posted to my credit card. On XX/XX/XXXX I canceled the credit card and told them that my reason for canceling the card was that it wasn't worth paying the annual fee for the benefits I received from the card. On XX/XX/XXXX I received an alert from my credit monitoring service that my BBVA account was 30 days past due. On XX/XX/XXXX I contacted customer service and asked that the late fees and annual fee be removed since I had not had the card at any time during the 2nd year. They told me they would get back to me and on XX/XX/XXXX notified me that the late charges would be refunded but they were not going to remove the annual fee because I was aware that there was an annual fee when I canceled the card. I asked them to elevate the request but they said the decision was final and I could file a complaint if I wanted to. They were supposed to call me back in 3-5 days for the complaint but I haven't received any contact since XX/XX/XXXX. 

I think this is fradulent because I never had the card for any of the time that would be covered by the annual fee so I didn't receive any benefit from it. I paid the annual fee this morning before they did any more damage to my credit rating so essentially they are forcing me to pay for something I don't want and didn't receive and won't benefit from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MI

Complaint narrative:
XXXX Overdraft fee for a fraudulent charge. I contacted Chime they stated that the charges were valid. I expressed that these are not the charges I swiped my card for. Several months had passed, XX/XX/XXXX, I get an email stated that XXXXXXXX XXXX XXXXl had refunded the charges due to fraud. Chime refused to update my credit report for charges that they approved. XXXX sent them a check for the entire balance and Chime will not update my credit report or reopening my credit-builder account. Now, months later on XX/XX/XXXX, A deposit from the Small Business Association attempted to deposit my loan for my small business but however, Chime declined the deposit. After denying the deposit 2 months later without an email, a text, or phone call, my account was closed and I am still unable to access my funds. On XX/XX/XXXX my account was closed with no communication of how to gain access to my funds. The only way I knew that my account was closed is on payday XX/XX/XXXX I attempted to pay my rent and my card kept declining. I attempted to log in to the app and it stated that I will have to contact XXXX to get access to your account again. It has been well over the 24 hours the email stated once I contacted the company via the email address. At this point, I will never use chime again. I will be filing some type of charges against them. I don't have any food or gas money. I had money in my account on top of my paycheck and my savings account. This is a thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: MO

Complaint narrative:
I subscribe to XXXX XXXX and XXXX XXXX to monitor my credit resport. I noticed a hard inquiry dated XX/XX/21 from Discover. This was not something of my doing. I contacted all 3 credit agencies and file and report in addition to calling Discover which they said they have no record of anything processed. How coild that be true if it clearly stated that my info has been ran. 

XXXX dispute file # XXXX XXXX dispute file # XXXX XXXX dospute file # XXXX XXXX is requesting a copy of the ftc dispute report to be faxed to them at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
I am facing some difficulty requesting information from my mortgage servicer ( s ) : XXXX ( XXXX  XXXX, VA, XXXX ) and Loancare ( XXXX XXXX XXXX, CA, XXXX ). I have submitted at least two mortgage payoff statement requests to my mortgage servicer with varying good through dates that have consequently expired and have still not received any payoff letters ( both times I have requested an email delivery of the payoff statement ). I am approaching my next payment due date according to the most recent statement I received from the mortgage servicer and I am concerned that if they fail to provide adequate details as to the amount I owe and the process of submitting my final payment ( certified funds according to their telephone customer service representative I spoke with ) I will subsequently accrue additional interest and late fee penalties as well as incur a negative mark on my credit history. I submitted my first request through their online customer portal on XX/XX/2021 which had a good through date of XX/XX/2021. I sent an inquiry through their online messaging service on XX/XX/2021 about not having received a payoff letter and did not receive any response addressing my issue. I spoke with a representative on XX/XX/2021 about the status of my mortgage and why I could not submit my payment through my escrow account to which she indicated that I would need to request a payoff statement letter and submit the funds either by certified check or through a wire transfer per the instructions that would be provided in the payoff letter. I asked her would it be possible to receive a payoff letter before XX/XX/2021 if my intentions were to select said date as my good through date to which she confirmed it would be possible and that I could expect to receive the payoff letter no later than XX/XX/2021. I proceeded with my request as detailed and I have still not received the payoff letter as of XX/XX/2021. I am concerned that I will continue to face issues with obtaining a payoff letter from my mortgage servicer making it impossible for me to submit final payment due to their lack of providing the amount and final payment process details.

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 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/2021 {$390.00} Open balance XXXX XXXX XXXX Original creditor

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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Their investigation did not provide me with the requested information, and exceeded the time frame allotted for them to respond. I respectfully have requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have failed to provide this information and it has been more than 30 days. My letter was sent on XX/XX/2021. My follow up letter was sent XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I entered into a Covid related deferral program with Nationstar Mortgage in XXXX. That program terminated in XXXX at which point the repayment plan commenced, which required intervention by the CFPB to actually get them to respond, due to repeated failures on Nationstar 's end to actually process the documentation to start it. 

I made the repayment plan payments within the required timeframes, as documented in the attached payment history as well as the reported credit report snapshot. 

The trial plan was then approved, with a first payment due on XXXX ( late after 30 days ), which is scheduled to meet prior to the late date. 

Nationstar has still reported the account as 180 days past due and showing in 120. In a simple examination of the credit report snapshot, this is literally impossible- Nationstar has deliberately and willfully erroneously reported this as past due. 

Moreover, I filed a report around summer of XXXX in which Nationstar did the same thing, despite being in the deferral.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I called in to inquiry about purchasing a vehicle with a consumer credit transaction. I was told to submit an application online to start the process which I did. I was also told that I needed to either get a co signer to go on paper with me or I had to give a third of the purchase price down payment in order to purchase the car. I was told I'm not the original creditor and that I can not extend credit to purchase a vehicle.

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 2021-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Today I spent over an hour and half with different Bank of America agents on the phone to answer my concern to no avail. I spoke to at least 4 different agents and a supervisor. Long story short I needed to find out the full account number ( not the last 4 only ) on an account that is listed in my " manage accounts/ recipients '' list. This list is created by the consumer, but unfortunately, BOA would not disclose the full account number that was previously entered by the consumer. I do have different accounts under that list and I need to update/delete some to avoid sending funds to the wrong account which happened before. I called them about one account in particular with XXXX XXXX that I needed to get the full account number of but they refused. I asked to speak to a supervisor to give me that account number but again he refused ( XXXX, employee XXXX XXXX ), after an hour and half of wait! Question, those are accounts that I created myself in the past and transferred funds to in the past. Why does BOA deny the consumer access to information they actually created?

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 2021-09-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/2021 we met with the branch manager of the PNC Bank location in XXXX XXXX, NJ. We met w/ the manager in order to close a CD that was held by our mother who passed away. We provided all documentation requested by PNC and were then told by the PNC manager that PNC would mail additional documentation to us for completion in order to finalize the closure of the account. 
On XX/XX/2021 we went back to the PNC branch because we did not receive the additional documentation. We were told it was mailed on XX/XX/2021 and that they would mail the documentation again on XX/XX/2021 since we didn't receive it. They gave us a number to call at PNC to follow-up at XXXX. 
Today is XX/XX/2021 and we still have not received said documentation so we called PNC at XXXX to follow-up and were told we should have the additional documentation on XX/XX/2021 and if we do not receive it to go back to the local branch and make arrangements for the documentation to be sent to the branch. 
PNC does not have a good reputation when it comes to processing paperwork and releasing funds. They make it very difficult. I work for a title company and getting a discharge of mortgage or payoff statement from them is equally as frustrating. I would NEVER recommend anyone using PNC for anything. 
At this point they will have been able to use our money for almost 2 months from date of initial contact and counting. They obviously do not want to release your money timely. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
My Auto Loan was with Kia Motors Finance company Acct # XXXX Original Loan Amount {$19000.00} Paid Off on XXXXXX/XX/2021.Vin # XXXX On XXXX, XXXX I Contacted the company about the Title. I was sent a Letter Reflecting that the Balance was paid in Full.. I was advised that Due to the Virus it would take longer to get the Title.. Once again I contact the Company XXXX XX/XX/2021 about the Title.. This time they Informed me that the Title was Sent..I Explained that I NEVER received the Title... .I Ask when was IT SENT AND where!!! The Employee stated that it was Sent to my Home back in XXXX I then Ask why wasn't the company Aware of that back in XXXX, and that I had been Calling for Months.XXXX On XXXXXX/XX/XXXX I received a letter..The letter states as following : Please accept this letter as Verification that Kia Motors Finance No longer has a Interest in one.XXXX XXXX XXXX XXXX Model : XXXX! XXXX This Kia Motors company has been given me the Run around for Months!!! Where is My Auto Title??? The company has Acknowledged that I OWN the Auto.. We shouldn't have to Track/Pay for a New Title.. Please Assist me with this Matter..

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 2021-09-27 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: CA

Complaint narrative:
Transunion has just reported a delinquent account in collections original Company XXXX XXXX, with debt collection company XXXX. This is NOT my account. I was a victim of fraud and spent countless hours removing two other collections accounts that were not mine. I tried to go through Transunions online dispute and their website continues to be down or not functioning properly. I have previously filed fraud reports with the FTC. This is not my account. It needs to be removed from my credit report. 
My two addresses have been for the past 9 years. XXXX XXXX XXXX XXXX XXXX, CA XXXX and most recently XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have never lived where XXXX XXXX XXXX cable accounts and have not opened a cable account in my name within the past 10 plus years. This is NOT my account. 

I have attached my theft report that was filed with the FTC originally as 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