vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/2019 statement. XXXX CREDITS XXXX {$280.00} & {$200.00} ** USAA REVERSED BOTH CREDITS XXXX  JUST PAID ON XXXX/XXXX/2019.?? Note OTHER CREDITS ( summary account activity ) DID NOT APPLY FOR THAT PERIOD. XXXX TOTAL CREDITS FOR THIS PERIOD {$910.00}. XXXX NONE ARE USAA CREDITS. USAA HAS SUBTRATED ALL. USAA Temporary Adjustment Credits *CONFIRMING TOTAL CREDITS ONLY OF {$910.00} APPLIED XX/XX/2019 WERE MERCHANTS CREDITS. see transactions XX/XX/2019 {$280.00} & {$200.00} USAA REVERSED THE ONLY CREDITS APPLIED MADE BY XXXX. USAA DID NOT GIVE CREDIT TO TAKE. USAA SUBTRATED. ALL THEIR CREDITS ONLY APPLYING {$910.00}. USAA STEALS MERCHANTS CREDITS LEAVING CONSUMER WITH THE FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-04-27 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Account Services, Inc.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
On Wednesday, XX/XX/XXXX, at XXXX I contacted Midland Funding LLC at XXXX XXXX XXXX XXXX regarding a collections account after discovering it on my credit report. Upon calling the creditor and attempting to pay the balance in full ( {$3000.00} ), I was informed that there was a judgement against me and that my balance could change either higher or lower and that I needed to call back on Monday, XX/XX/2020. I said thank you and hung up. This surprised me, however, because I didn't know what they meant by judgement so I began XXXX  it and found it to mean that I was supposed to have been notified of a summons to appear being made against me. This never happened. I do not know where this hearing took place nor when it took place nor who I was even supposed to contact about it. 

I called back today, XX/XX/2020 at XXXX again attempting to settle my debt before being told that the balance still has not updated from the judgment and that I would need to call back Wednesday, XX/XX/2020. I am ceasing communication with the company in fear that my rights will be further infringed upon, and turning to you all in hopes that we can find a middle ground.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC accounts can not be added to XXXX. It will not allow account info to be stored in the wallet, per PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: NY

Complaint narrative:
American Education Services currently services my XXXX  FEDERAL loans which currently qualify for the 0 % interest rate set by Congress. They are still charging all of their customers interest and are not automatically putting loans into forbearance. I also have loans serviced through FedLoan which shares the same contact number as AES. Why is AES getting away with this?! They're telling customers that our loans don't qualify ( they absolutely do and absolutely are not private loans ) or that they'll reimburse us all the interest after XXXX. Please put a stop to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am the victim of erroneous credit scoring by Equifax Credit Bureau and none of the options on this site refers to it as it refers to my student loan servicer, who is reporting correctly to the three credit bureaus. 
My student loans are listed as 9 different payments by my loan servicer on my credit reports. On XX/XX/2020, Equifax Credit Bureau lowered my credit score by 50 POINTS due to my student loan balance had DECREASED and the fact that my payments have been deferred due to the current ( natural disaster ) Covid-19 pandemic. It is my understanding that this should NOT affect my credit score during this time of natural disaster as a low credit score prevents me from receiving assistance during this time that depends me having a credit score of 620 or better.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
Cavalry sent a letter regarding a debt which i have no knowledge of, i submitted a letter via certified mail letting Cavalry know this debt isn't mine. They have continued reporting this account on my credit reports for months and its affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have two issues with ALLY bank. They denied two transfers that I requested from my brokerage account. The first transfer was from an automated portfolio. I attempted to contact them about it and they said that they denied the transfer because the funds hadn't settled. Unfortunately, I am unable to place trades in the account because it is a managed portfolio, so if they deny my ability to withdraw funds that aren't settled then it would be impossible to withdraw the funds. They need to liquidate the account and then transfer the funds after 2 days. Denying the liquidation gives me no options. 

Next, they denied my ability to remove XXXX dollars from another account of mine. They stated it was because the funds are not settled, but the issue I am having is that their web interface explicitly stated that the funds were available for withdrawal on the day that the transaction was denied. I attached the screenshots to this complaint.

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 2020-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: SC

Complaint narrative:
XXXX I really need your help I pray you can do something. Listen to this, home point finical changed my XXXX mortgage check to XXXX dollars less and then never told me ( federal offense ). 3 weeks later I received a letter and called right away but couldnt get through due to the virus. Next, I got a hold of someone that said he would fix it but didnt. I sent a check that got there on the XXXX I believe of XXXX and my check was dated XX/XX/XXXX. They held my check 3 weeks and cashed outside the XXXX window of XX/XX/XXXX. They cashed the XX/XX/XXXX check on XX/XX/XXXX. I called and screamed it killed my credit score down from XXXX XXXX XXXX XXXX to almost 600 with the way they are reporting it. 
So now they are telling the credit reporters Im not caught up with payments but I am and they said the only way I can get them to remove it is if I send XXXX roughly ( 3 mortgage payments ). Listen, there is a national crisis, Im trying to get payment to them. Its not fair if the mail was slow. Everyone is short staffed. They cashed all my checks but wont apply then and notice there are no late fees. Meaning they got my payment on time. 
After looking up reviews of the company they are doing this same thing too people. 

Anything you can do Im going to lose my house

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I sent a dispute to Transunion on XX/XX/2020 and still have not heard anything back. While I understand that we have a pandemic going on the laws haven't changed and this is affecting my life. 

1. Transunion is reporting multiple errors on my report including : Account XXXX XXXX XXXX XXXXA XXXX is reporting the wrong balance 2. Transunion is reporting that XXXX XXXX XXXX XXXX owns this account but XXXX  is reporting this account is owned by XXXX XXXX XXXX. This is a direct violation. 2 companies reporting the same account and both with a balance. 
3. XXXX XXXX XXXX XXXX XXXX is a collection account reporting a balance which is a violation. 
4. The account numbers for this account is reporting as XXXX on TRANSUNION and reporting as XXXX-XXXXXXXXXX on XXXX. 

These are all violation and shows complete disrespect for my livelihood and total neglect in ensuring my report is accurate.

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 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XXXX is unable to link to my PNC account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
This is in regards to the credit report I pulled on XX/XX/2020, I see at least 2 credit inquiries on my credit report from you. section 604 states that you need to provide the application that was filled out when this account was opened, the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately. There are several dates of inquiries on my credit reports Instruct the credit bureaus to remove these inquiries immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I customarily make transfers internationally using XXXX. For some reason PNC has blocked this connection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
I received a letter from Cedars Business Services, seeking payment for a traffic ticket from XXXX, XXXX, from XXXX. The total debt is {$210.00} : {$91.00} fee and {$120.00} principal. There is no date specified for the infraction in the letter from Cedars. In  XXXX of XXXX, my wife and I were traveling in XXXX. Upon our return, we received ( and paid for ) a credit card bill, with charges for our rental car, plus an additional charge for the traffic infraction. We have received no communication from any XXXX  government entity. We have lived at the same address for the last 10 years, so there is little chance of a postal issue. 

In a letter dated XX/XX/XXXX, I responded to Cedars, requesting documentation of the purported charges. 

The address of Cedars Business Services is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX. Their phone number is : XXXX. The date of their letter is XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello! It's My Mother 's Account. They have her in the HOLE of $ XXXX XXXX Dollars. 
Secondly, she recently PASSED and I'm trying to get help with that also. 

I keep calling, and they ( CHASE ) give me phone numbers where no one answers. 
I can't get help! It is so sad ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I submitted my fraud complaint in reference to two charges on my credit card with CitiBank while on my vacation to the XXXX XXXX and my fraud complaint was rejected for the following reasons ; " Our records reflect that these transactions were processed using the embedded chip in the card ending in XXXX and charges that were made before and after the disputed charges were verified as valid. In addition, the credit card was present when the transactions were completed and you confirmed that only you had access to the card. '' This is not a legitimate reason to deny my claim and there is also a false statement on this letter. The sole purpose of my trip was to attend a wedding and I have reason to believe that whoever processed these transactions took my card from my wallet and placed it back in my wallet after they used it. I explained this to the multiple fraud investigators, I also told them that during my stay in the XXXX XXXX I had no reason to have my wallet or even passport on me because as I was staying at an all inclusive hotel and had no reason whatsoever to have my wallet on me. For them to say that I " confirmed only I had access to the card '' is false. I told the investigators that my hotel had cleaning staff walking in and out at least twice a day and that alone gave them access to my card in my hotel room. 

Ive already spoken to 3 managers about this and every time I speak to one they tell me my case manager will reach out to me, but they never do. One manager even went as far to say that I shouldve kept my credit card on me at all times and thats reason enough to reject a claim. Carelessness is one thing, but if my valuables are inside a 5-star hotel room along with my other valuable belongings, one would deem their belongings safe. 

One charge was on XX/XX/XXXX for the amount of {$490.00} and another one on  XX/XX/XXXX for XXXX for purchases at a club I did not go to, amounts that I have never spent at a club in my entire credit card history which shouldve triggered a fraud warning. I only noticed these transactions when I arrived back home and saw my transaction statement. 

Also, after further research it seems the club, XXXX XXXX ( a.k.a. XXXX XXXX XXXX was part of the criminal organization and has since then been closed down. This information can be viewed on the U.S. Department of the Treasurys Office of Foreign Assets Control ( OFAC ) website. 

All in all Im unhappy at how Citibank is handled my case without doing a thorough investigation on their part. I would like both transactions and interest occurred to be refunded Immediately.

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 2020-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CNG FINANCIAL CORPORATION
State: UT

Complaint narrative:
In XX/XX/2019 I called check n go and asked to set up payment arrangements. I had gotten behind and want to get this paid off. He told me that he could not do that I would have to contact a collection agency but did not give me information. He then charged my account {$140.00}. I have had a guy call different work locations I do not work at and keep asking employees information about me even though he was told by the store manager to not call again and that we do not answer questions about employees all verification have A strict policy. He called from XXXX he then proceeds to call another location and same thing is advised to stop calling that I am not in these store no information would be given per policy. I then call his number to figure out what this is and it sends me straight to voice mail and says hang up do not leave message this is an investigation department. I tried texting number to stop contacting my references and work and that I do not know what this is about but to stop contacting them. He has called my employer and family saying if I do not call back immediately and provide a claim number he is on his way to my employer to serve me documents. Today is the first day I was given a valid number and even the name of the company Check N Go. It's  never been provided and I thought he was a scammer because I can not call him back but he keeps calling my work and family. Today I called a number that was left and I asked the lady to stop having people call my work and family that I can set up payments and she informed me I can only stop the calls to my job at locations, that I'm not even working at and my family is by paying over XXXX in full and that I am committing fraud by defaulting contract even though I've made plenty of payments and also tried to set up arrangements was told I can not then charged anyway. She said that it was my intent not to pay off balance and that she will not stop the harrassment unless I pay in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: AES/PHEAA
State: AR

Complaint narrative:
Around XX/XX/XXXX, American Education Services ( AES ) reported to the credit reporting agencies that I am a joint owner and have joint contractual liability for five student loan accounts. AES has misrepresented the ownership of these student loans accounts on my credit reports. The accounts were open by a sole owner on the following dates with the original loan amounts : XX/XX/XXXX {$26000.00} ; XX/XX/XXXX {$5300.00} ; XX/XX/XXXX {$20000.00} ; XX/XX/XXXX {$10000.00} ; and XX/XX/XXXX {$10000.00}. I did not agree with AES to borrow money from their financial institution for student loans. I agreed to cosign the loans but I did not sign as a joint owner or joint borrower. The legal status of these titles make a tremoundous difference. I co-signed for the sole account holder and owner of the accounts who borrowed the money. At some date, which I am not sure, AES changed Responsibility to Joint Account impling that I borrowed these funds. This change impacted my credit report with adverse transactions and more importantly causing my credit score to decrease by 45 points or more. I discovered this drastic decline when I checked my XXXX XXXX XXXX account for my free FICO score. 
In legal terms a joint account or co-borrower is an account with two or more individuals borrowing funds or property and the joint owners agreeing to repay in accordance with the terms for payments. In legal terms a co-signer is responsible to pay if and when the borrower/owner fails to pay but has not borrowed the funds and has not agreed to pay on the terms that the owner agreed. Over the course of the repayment, I have complied with the co-signer terms and paid when the borrower/owner was unable to repay the monthly loan amounts. However, this action does not make me a joint owner. AES continual seeks to undermine my credit standing and score, calling and stating that they will report nonpayment should I not pay. They call me even before they check with the borrower for payment or arrangements for payment. AES ' action is a violation of my consumer rights, reporting me as an owner when I am not.

Company response to consumer: Closed with explanation