vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
On XXXX XXXX I was involved in a head on collision that left the XXXX XXXXXXXX XXXX completely totaled. The XXXX was towed to the tow lot while I was rushed to the emergency department. I called Santander XXXX XXXX to inform them what happened. They explained to me that the car had Gap Insurance on it and that if it was completely non salvageable that it would be taken of my record. I called the XXXX XXXX lot to check the status of the car they stated it was in the lot still. For 3 mths I was given the run around from Santander stating their insurance person said it is not salvageable and that they couldn't use it for parts. I called the tow lot to see if I could get my belongings in the car the tow lot supervisor instructed me that I could do a release of property with them. I went to complete the process and was told that Santander picked up the car. I called Santander where they stated they hadn't picked it up and than referred me back to XXXX XXXX XXXX. XXXX XXXX XXXX stated it was picked up on XXXX XXXX by Santander. Santander than stated they picked up it as a REPO, which in their definition a REPO is for Non Payment not due to a accident. My XXXX was still and still is in the XXXX XXXX XXXX waiting to be auctioned off. According to the tow lot they can't auction nor go in the car due to it being a biohazard with XXXX  and XXXX  on the driver and passenger seats. The windshield and back seat having extensive damage. The car is in no shape repairable nor able to have parts sold from it. 
On the credit report Santander stated it was a natural disaster but on the next line stated it was a Repossession. My car note was due the following week of my accident and when I called to info the lender they stated they hadn't known about it but would know within a few days and appreciated me calling right after it happened and that it would be written off since it was due to a accident and they would send an adjuster to verify the damage. I stated I was going to have my adjuster come out Santander stated that would be fine but I later found out they sent a request for their adjuster to go out and I was charge for him to go out as well as for Santander moving the car from the XXXX XXXX to the other parking lot instead of allowing it to sit until I had received my belongings or spoken to both XXXX XXXX and Santander to find out the next steps in this horrible ordeal.

The report states a natural disaster and repo it isn't the later part but the natural disaster, I just want this to be solved and me to stop going back in fourth communicating with parties that should've properly document and spoke to me regarding the car situation since it was mine and I had majority belongings and business artifacts in the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company continuously declines me even though I have good credit and am above their requirements. I was even denied for a secured credit card. I feel I have been discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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:
Equifax will not tell me how 11 inquiries got on my credit report. In addition, despite numerous efforts they have not deleted my ex-wife 's address which caused these fraudulent inquiries and collection accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: OK

Complaint narrative:
The Credit Bureaus have stated that they have verified a bankruptcy on my credit file as accurate and it was verified with the XXXX XXXX XXXX OKLAHOMA. Which is incorrect. 

I have uploaded the letters that describe the issues I am having..

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 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: RI

Complaint narrative:
On XX/XX/XXXX while trying to sell an asset that was being held over the course of a day or two, I was blocked indicating trading has been disabled from my account. Subsequently a few service tickets were opened as there is no customer service. I received a few emails indicating that service volumes were high along with some generic responses. Looking back through my many emails from Binance I uncovered an ambiguous email indicating a potential charge back that may of occurred on XX/XX/XXXX in the of {$500.00}. I opened additional service requests with similar generic responses. All the while my account is fluctuating by the {$1000.00} 's. On XXXX Binance was experiencing significant technical issues including depositing money which I believe was due to volume. Nothing was communicated to me that a deposit did not go through. As of XX/XX/XXXX my trading access is still blocked, even the ability to close my positions is not an option which I believe is a terrible policy and almost unheard of in the Financial Services Industry. If they feel there is an issue with a {$500.00} deposit why would the not allow a sale of $ XXXX in assets? Going back to the email I uncovered that suggested there might be an issue it states I must supply a full statement with account numbers and shoot a video of myself holding my license. In a effort to unfreeze my account I have obliged which is disheartening as I am sending sensitive information to where I do not know. I have yet to hear a response Binance after this submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
My mortgage is with Suntrust/Truist. In XXXX of last year, I requested forbearance and it was granted for six months ( email confirmation received XX/XX/XXXX ). After a couple of months, my father offered to pay for a bit to help me not incur penalties at the end. However, as we were approaching the sixth month of forbearance, I told him I didn't want him to keep assuming that burden. I mention this because the payments during the first six months were intentional. 

Suntrust/Truist called me in early XXXX and asked if I wanted to extend the forbearance ; at that time I hadn't made a decision and would call them back. Later that month, I called, requested, and was granted an extension of three months ( XXXX ) and received a confirmation email on XX/XX/XXXX. In XXXX, I called and requested the final three months ( XXXX ) and received a confirmation email on XX/XX/XXXX. 

When recently reviewing my bank statements preparing for taxes, I suddenly realized that Suntrust/Truist had reinstated payments in XXXX and had been drawing payments since the end of the first six months, even though my forbearance was extended ( {$2300.00} for XXXX, XXXX, XXXX, and XXXX ). Today XXXX spent close to THREE hours on hold or talking to a total of SIX different representatives, the first five who said they weren't the right department and the sixth said I had called them in XXXX and asked them to reinstate payments ( not true ). When I told her that wasn't true, explained the fallacy in that statement ( why would I reinstate automatic payments when I was requesting forbearance?! ) and asked her to prove it with the recorded phone call audio ( since they record all calls ), she put me on hold for another 15 minutes and then hung up on me.

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 2021-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
on XX/XX/20 I noticed someone took money from my bank account. I contacted my bank and found that it came from CashApp. However, I had not used cash app. When I looked into my Cash app account I saw that monies was missing from my bank account and XXXX XXXX. It appeared there were numerous failed transactions and numerous transactions that were processed. I immediately tried to contact Cash app. But to no avail they would send me the same email over and over again. As I continued to look into this fraudulent activity I found that my phone number was changed as well. I then contacted the person but got no answer. I even tried to send a request to them to send my money back. Cash App has not returned my money that was stolen from XXXX XXXX. Also, my bank refunded me the money that was stolen from them. However, Cash app then put that money as a negative in my account as if I owe them. I have tried to file a report with my local authorities and they told me that they have tried to contact Cash App for information over the years and have received no response. This company is stealing from people and not returning their money. I would like to file a class action law suit against them to stop these dishonest practices. Someone needs to hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Reviewing and seeing the same results have been so disappointing. I have been sending multiple written requests and the last letter I sent to TransUnion was on XX/XX/XXXX. However, I have not received any response up to this date. Thus, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XX/XX/XXXX {$5000.00} XXXX XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$2200.00} XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX {$5900.00} US DEPT OF ED/XXXX XXXX XX/XX/XXXX {$27000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX

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 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: PA

Complaint narrative:
On XX/XX/2021 I received a call from ERC, a debt collection firm at XXXX XXXX EDT. Representative XXXX engaged in appropriate debt collection practices at the start of the call. This call is for a debt owed in the amount of {$770.00} to which I agreed to pay a settlement in the amount of {$540.00}. I explained to the representative that I will pay off the agreed upon balance within 30 days when more money comes in to settle the account as previously agreed but will only be afforded the reduced agreement at which point I voiced that I no longer wished to be recorded. Representative continued to ask question and press for more information while I had placed representative on mute. I stated to the representative that I no longer wished to be recorded on two additional occasions thereby forcing me to terminate the call. 

As I am actively seeking to repair credit in order to purchase a home loan, I am in a position which prioritizes collection agencies who are willing to work with me to re-establish a positive standing. For those who are unwilling to delete from record bad debt such as ERC are placed in a lower bracket to be paid off within 30 days. I feel that although my acceptance of the call at the start was respected, my wish to no longer being recorded in the last minute of the interaction was not honored per mini-Miranda rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Identity fraud. Turn over to credit bureaus for debt thats not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase recently reviewed my credit card account and reduced the credit limit to {$2000.00} over the phone. This review was done on XX/XX/XXXX. 

Their reasoning was that my revolving credit account balances were too high based on an XXXX credit report they pulled. I logged onto my XXXX  account and pulled the latest report they have on file. On that file, it mentions that my revolving credit was at 16 % of my overall credit limits on credit card accounts. I escalated this to their management team and they refused to budge or wait for an updated report on their end. I asked them to delay this review for a month so that they could have a more up to date report on their end. In particular, balances on my XXXX XXXX ( from XXXX XXXX ) are highly overstated since they haven't reported last month 's information yet. I made a purchase with the card in XXXX that I cancelled shortly after and the balance on the card now stands at {$210.00}, which is under 30 % of the limit I have for them. 

Even with this overstatement, the credit report lists my credit usage at only 16 %. 
I find this to be predatory behavior. I have made moves to raise my credit score and Chase 's move simply serves to hurt my score based on errant information. I have attached copies of my XXXX  report ( that they used ) along with screen shots of what I see on my XXXX XXXX account ( with the other two credit bureaus ). All three credit bureaus are reporting 15-16 % usage, which is not " high revolving usage '' as Chase claims. 

The reasoning they are using to reduce my credit limit is incorrect. I dispute their assessment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I was FORD MOTOR CREDIT COMPANY customer since 2019 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/2019 ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: N26 Inc.
State: FL

Complaint narrative:
I have had N26 hold authorization temporary holds for 31 days, even though the merchant has released held funds. They make it impossible to get these holds released

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting the following accounts as a collection on my credit report XXXX XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The bureaus are also reporting incorrectly the following accounts as a collection XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report for reference. ) I was on a monthly payment plan and the payments were set up recurring automatically from my bank account. When I discovered they never debited my account I immediately contacted the billing department. I found out that the hospital/physician billing office doubled my monthly payment amounts at the beginning of the year without notifying me. I never received any telephone calls, emails, or letters regarding this change in payment arrangements. When I tried to make a payment to the billing department, they refused to take the payment and consequently, sent me straight to collections. In addition, I have been disputing these items on my credit report and the ( 3 ) bureaus continue to show the status of these accounts as not in dispute. This is false! I have been attempting for weeks to get the bureaus to report accurate information on my credit report. Please update my credit report to show that these items are in fact in dispute. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Checkr to file a dispute in regard to two cases listed as Evictions. I previously had a report ran by a different agency and had the XXXX case removed following my dispute and providing information I have that proves there is no public record being reported. I spoke with a clerk who confirmed they are no longer public record and I have to dispute them to get them removed. 
Checkr says it's valid and the information is correct based of public record and refuse to remove it. I have sent a 609 letter that they ignored all together. I have asked them to provide proof that the information is valid and they have failed to do so only stating its from public record. Again, based on public record there are no judgements or evictions listed for my name or previous addresses. On their report it clearly states Eviction record. I paid for the credit report via XXXX and was only able to use it for twice before the dispute. It has been over a month and I was not able to apply for houses. Nor was the information corrected. This incorrect information is hurting my chances of moving. I am attaching my proof that the Information is not public record and that it can't be verified as well as the results from the other companies investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Synergetic Communication Inc
State: VT

Complaint narrative:
A collection letter was sent on XXXX XXXX, 2020 claiming that {$8900.00} was placed in collections from XXXX. I have called them and left a voice mail and emailed them and got no response from them. Now they are calling me and saying that because I have not reached out to them, they will sue me. I tried to call XXXX and there is not working number to get a hold of this bank which leads me to believe it does not exist, and that this may be a fraud.

They had my last 4 digits of my social security number and my address and birthday.

My credit score is very good, so this collection debt does not seem to line up with anything.

I have already called Attorney General and they advised me to file a complaint here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've experienced some rough patches in life that were very difficult to handle due to some some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Ever since then, I have been a great customer and have even paid early a few times. With the exception of those few late payments, my track record for paying on time has been great. However, the few times that I was late shows up on my credit report and this can make it extremely hard to qualify for a mortgage, auto loan, etc. as I'm sure you know.

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