vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth third charged me fraudulent overdraft fees for an account that was never overdrawn. I was up until 3 am this morning on XX/XX/22 and my account still had a balance over {$900.00}. My direct deposit of {$1300.00} also deposited into my account around XXXX XXXX XXXXXXXX called me at XXXX XXXX to confirm it was okay to cash a {$900.00} check on XX/XX/22 and I confirmed it was okay since I knew more than enough money. I checked my account after the young lady XXXX told me over the phone shes going to cash the check to see fifths third charge me a {$74.00} overdraft fee for an account that was never overdrawn! I called and spoke with a supervisor named XXXX who tried to feed me lies about when XXXX cashed the check, I informed her I was up until after XXXX XXXX this morning and checked my bank account while scheduling to pay my bills then her story turns to If an account is overdrawn it doesnt show until after XXXX XXXX. Ive never heard such nonsense in my life and there was nothing to overdraft my account I scheduled all of my payments for AFTER I know the funds are in my account. Her XXXX XXXX excuse is concerning as well as a member of this bank what deceptive predatory bank lies about the funds in a customers account so they can charge fees. This is beyond outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Thank you for your help. Two year ago. I did a debt settlement wit Midland Management For my XXXX Credit card and my XXXX credit cards. All was good. Then. All of a sudden two yeas later I received all of theses alerts that Midland credit was reporting me past due and keeping all this money on past due money that I dont owe. I still get calls from XXXX XXXX XXXX  telling met of pay and receive letters threatening legal actions for accounts that I did debt settlements on two years ago. This needs to stop please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 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: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
XX/XX/2016,120 days late payment from sterling jewelry inc, dba Kay Jewelrys, i have bought a house and move, but i did a change of address to the post office, during that time, i have a XXXX balance at kay jewelrys.i usually get a statement every month, since i move to a new address never received a statement from kay jewelers, they finally called me on the phone and they told me im 120 days late payment, i told them i never received a statement, i told them if i received a statement, it would remind me that i owe, i told them i have a XXXX balance, i always paid them early every month, so i paid them off, its their fault of not sending me a new statement, now they cancelled my kay jewelry card and reported me on 3 credit bureau, they impacted my credit score being hard inquiry, i disputed them so many times, to remove the hard inquiry on 3 credit bureau, they turn me down every time, the people involved should be finance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
Withdrew {$420.00} ( 2 {$100.00} bills, 11 {$20.00} bills ) XX/XX/2021 from the US Bank ATM outside the XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX location. After withdrawal, I noticed I was short {$160.00}, as {$20.00} bills were dispensed in place of the the {$100.00} bills. I walked inside the branch and alerted the teller that I was shorted by their machine, using their banks ATM debit card. Filed a complaint the following day via their toll-free number, learning I was given misinformation from the branch the day before, that I needed to file the complaint, not the bank. 

After fighting with the bank via XXXX, I spoke with a bank support person on XX/XX/2021, who was able to expedite a provisional credit. Then a second reversal was processed on XX/XX/2021. Both were taken back by the bank on XX/XX/2021, without any notification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: VA

Complaint narrative:
On XX/XX/2021 at XXXXXXXX XXXX I took a withdrawal out of my Binance USA account for XXXX USD ... .it told me it would be in my account in 3-7 business days ... well it's day 10 and the funds still aren't in my account ... .I 've sent a email but still no response from their team ... .I checked to make sure my bank info was correct and it is ... .so what is the hold up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
This company has received a check from my insurance company after the car was total loss. My balance has not updated. Also i have received information that i was a part of a law suit and should be compensated from this company and no one at the company will assist me. I have had repeated harassments, excessive phone calls, threats from an agent while trying to resolve issues with this account. Due to incorrect credit reporting and being involved in this lawsuit due to predatory lending practices this account should be removed from my credit report on all bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC refused to accept a signed Form 3508S in XXXX. Then eight weeks later wants it resubmitted using a portal and not the Approved SBA form. The Treasury Secretary said in XXXX https : //home.treasury.gov/news/press-releases/sm1187 Therefore, we encourage businesses to file for forgiveness as soon as possible. 

Todays guidance provides taxpayers with greater clarity and flexibility, said Secretary XXXX XXXX XXXX. These provisions ensure that all small businesses receiving PPP loans are treated fairly, and we continue to encourage borrowers to file for loan forgiveness as quickly as possible. 

In XXXX, PNC said it was not ready. 

PNC alleged my loan was overfunded but provided no calculation, instead, terminating access to all bankers and assigning a litigator to schedule a call only to delay that. 

Customers should have bankers answer written questions about loan allegations and provide documents not assign lawyers that raise issues a year later, as if they never read any loan application materials. 

Banks should be ready to accept forms the Treasury makes for applicable loans and not assign lawyers to defend the practice against small borrowers. 

PNC regularly obscures information doesnt get back when promised then obscures what it does. 

It ran out the clock on PPP, and I had to find another bank.

Those bankers read and pay attention and were professional and timely. The same issues PNC delays for weeks, months and up to a year and hires lawyers other banks get done in their branches in hours or days.

The loan application contains materials and documentation provided by the SBA PPP IFR, which reads You must submit documentation sufficient to establish eligibility and to demonstrate the qualifying payroll amount, which may include, as applicable, payroll records, payroll tax filings, Form 1099-MISC, Schedule C or F, income and expenses from a sole proprietorship, or bank records.

Note bank records! The qualifying period was XXXX XXXX XXXX, yet PNC tried to insist on a two month Schedu
le Cinstead of what it took from othersbank records.

It claims overfunding but wont say how much despite there being records inside its own approved application.

The Form 3508S also says it just be submitted on the instructions was done yet PNC says it doesnt have to take it, despite the treasury notice to file ASAP in XXXX on the approved XXXX form, because it isnt ready. 

PNC continues to disregard and misrepresent to the CFPB my self employment designation fir this work This work is considered self-employment under IRC 1402 ( c ) ( 2 ) ( E ) and these individuals are not employees with respect to this work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
In XX/XX/2020, I was recognized in NJ as a 100 % XXXX veteran so I have no property taxes from XX/XX/2020 until forever. I notified Mr Cooper mortgage immediately of the change so that my escrow payments could be reduced. 

In XXXX I checked my escrow and Mr Cooper had failed to make any changes to reflect the fact that I did not have to pay taxes. I again sent them proof to an email address they gave me. I also resent the documents to a Mr Cooper employee 's email address. 

In XXXX, after pandemic forbearance I checked again. Still, Mr Cooper has not remedied the matter. My mortgage payment is indicated at {$2700.00} per month which reflects about {$850.00} for real estate tax escrow. 

I have called several times, messaged them several times and re=sent to proof of no taxes but still no change. I have not paid the XXXX mortgage payment because it is about {$850.00}. more than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: CA

Complaint narrative:
Equifax is reporting and illegally unverified accounts to my consumer report. I previously disputed the below items and received a letter in the mail dated XX/XX/2021 Confirmation # XXXX informing that the items were verified but I never received anything to validate as I am the original creditor. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Pursuant to 15 USC 1692g I am the original creditor and I do not validate the above accounts. I demand immediately remove them from my report and you have 5 days to do so from the moment you receive this complaint. You are to send me a free copy of my report once update. Failure to respond satisfactorily pursuant to federal law will result in other actions being taken and will sue for {$1000.00} per violation : 1 ) 15 USC 1692g, 2 ) 15 U.S. Code 1681b-Permissible purposes of consumer reports, 3 ) Negligent Enablement of Identity Fraud.

4 ) Defamation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV FUNDING ACC # XXXXand Acc # XXXX is been reported as late which is in corrected. I contacted XXXX XXXXXXXX and was told that the accounts were sold when dispute were in process. The account was previously listed as 12 XXXX XXXXXXXX XXXX  with balances of {$3500.00} and {$4000.00} that are incorrect. Was told by XXXX XXXX they are no longer reporting since disputed. Rather LVNV Funding with proper verification and right to dispute. A letter attached from XXXX XXXX XXXX  as proof. LVNV funding sent frivolous statements with merits that does not represent the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: WI

Complaint narrative:
Equifax is not removing an account from my credit report that is not supposed to be there. 
XXXX XXXX XXXX XXXX please see attached letter from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX, my husband and I applied and were approved for an RV loan through a local dealership. About 3 weeks later, my employer received an unemployment claim filed in my name. She responded to the claim that it was suspected fraud and I immediately notified PA Unemployment and filed a fraud report which resulted in the case being closed and no benefits issued. I have credit monitoring and put a fraud alert with all 3 bureaus as a precaution and after thoroughly checking all reports, did not see any suspicious activity. 

Today, XX/XX/XXXX I received a notification from XXXX XXXX that a collection account had been added to my XXXX report. After logging in, there is a collection for Convergent Outsourcing on behalf of XXXX for {$920.00}. I have never had, or applied for any XXXX accounts or services. This is a case of identity theft and I need the account removed from all credit reports. It is causing undue hardship on my credit, especially as my daughter is starting college in a few months and we may need to obtain financial assistance, such as loans for her education.

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 2021-04-22 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: VA

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: Selene Holdings LLC
State: NY

Complaint narrative:
Selene Finance refuse to adequately report monthly payments to ALL credit bureaus which lowers the consumers credit score and make it difficult to refinance away from this company. I have contacted the company more than 10 times respectfully requesting them to report, AND update my credit reporting by submitting on time payments. This is the list of missing payments. 

XXXX Monthly Missing Payments : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX Monthly Missing Payments : XXXX, XXXX, XXXX ONCE again please report payments to ALL credit bureaus. What Selene Finance does is send a lengthy letter explaining the history of my mortgage and NEVER correct the reporting. This is hindering my score to improve which enables me from refinancing. If this continues to damage my credit score I will have no choice but to seek assistance legally. I can not refinance with this negative reporting. So unfair to a consumer..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: TN

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Randolph, Boyd, Cherry and Vaughan
State: VA

Complaint narrative:
I have received three to fouXXXX suits/judgements to garnish my wages despite the collection company validating the alleged debt. I have asked via affidavit for the collection company to verify/validate the debit. From my understanding, an uncontested affidavit stands as law. However, they have refused to respond via affidavit and have continued to pursue legal action to garnish my wages without proper verification/validation. I have recently received a judgement/summons where they have initiated garnishment action yet again after the last two orders were removed. There is also a collection company reporting derogatory information to the credit bureaus under a completely different name XXXX XXXX XXXX XXXX XXXX for this same account with a different amount showing as owed. 

The current debt collector/company that has sued or taken legal action against me is a law firm/attorney. A debt collector can not be an attorney. Due to this, this is a violation of 15 USC 1692e. ( 3 ). 

The most recent garnish summons ( attached ) shows the following : Statement : {$2800.00} ( Judgement principal ) {$2800.00} ( Credits ) {$230.00} ( Interest ) {$59.00} ( Judgement costs ) {$710.00} ( Attorney 's fees ) {$210.00} ( Garnishment costs ) Total balance due : {$1300.00} ( Garnishee shall rely on this amount ) This is a violation of 15 USC 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this sections : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a International money transfer at XXXXMoneygram to be sent to XXXX. My receiver was to be sent XXXX dollars. I was provided a reference number once this was completed. 
When my receiver was visiting the XXXX in XXXX to pick up the funds, they let them know that the amount was too much for this one transaction. Because of this Moneygram updated the transaction as completed, saying the funds had been picked up. 
I called Moneygram and let them know that the receiver was unable to receive the funds and to allow it to be redone. They left a note on the transfer that XXXX XXXX would need to call Moneygram to verify the transaction once the receiver was at the store again. 

They tried to pick up the funds again but XXXX XXXX informed the receiver that the funds had already been picked up. I call Moneygram again to let them know of the situation and try to cancel this transfer but they let me know that they would need to start a investigation to see what happened to the funds. I asked if there was a receipt generated at the time the funds were picked up and they said they had no receipt showing. How can that be transfer is showing funds were picked up if there is no receipt at the time of pick up? 

I am filing this complaint in the attempt to recoup my funds since Moneygram indeed still has my money in there system. 

Any help would be greatly appreciated. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Problem Company : LoanCare , LLC is a XXXX XXXX and indirect subsidiary of XXXX XXXX XXXX, Issues : - deceptive practices including changing stories, lying, tell customers that they've accepted certain contracts or changes when they haven't - constant and repeated delay practices including failure to process documents, refusing to acknowledge receiving documents, excessively long hold times and hanging up on customers so they have to start again - unwillingness to respond or communicate in a timely manner - repeated failure to meet deadlines set by themselves

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 2021-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Its has been a struggle, with this company getting my XXXX  refund back from Santander Consumer USA. XXXX  sent them a check back on XX/XX/2021. Ive been calling them around XXXX XXXX to see if they received the check. I called several different representative at this company even spoke with Managers never received a valid answer. Only XX/XX/2021 a rep informed me my check was sent out. I called back a week later the gentleman told me, he do not see a check in the amount of {$570.00} and hes not sure why the person told me that. So once I ended the call with him. I contacted XXXX to advance them of whats happen. XXXX informed me they cashed the check on XX/XX/XXXX, n gave me the check #. Rep has hung up on me when ask to speak with management ( XXXX ), also keep you on hold for 15 minutes without coming to check or give you a status on whats going on. Something need to be done with Santander Consumer USA. I still havent received nothing. Its even hard to get through once the account is paid off. This place should be closed down toooo many complaints on XXXX

Company response to consumer: Closed with explanation