vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
The reason that I am writing, is I bought a car at a 30 % interest rate because I could pay large amounts and because the dealer assures me that I could refinance within 6 to 12 months. Santander Consumer Bank, the lender, doesn't give you the proper information to make an educated decision as a consumer. Case in point, I owed XXXX, and I paid {$1000.00}, that left me a balance of XXXX but that balance was disclosed the next day. So that same next day I sent in a payment of {$100.00}, only to find out the following day that {$8.00} had already been assessed in interest, leaving me with a balance of {$10000.00}, when I was expecting a balance of {$9900.00} or so. The problem here is that when you make a payment, the bank doesn't communicate upfront what goes to principal, and what goes to interest, so I was deprived of making a sound decision, ( sending {$1100.00} to begin with ) because the bank controls the information related to the amount of money that they are charging me and when, and delays responses in order to accumulate more interest. If you compound this with the dealer giving me completely inaccurate information regarding refinancing within the time frames communicated, it is evident that something is very wrong here. I am fortunate that I can produce an amortization table, so I can see the numbers and what is going on, but imagine those who cant. I never expected that I would have to produce my own to keep the bank honest because I thought they had a fiduciary duty to the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I was introduced to a group through XXXX  messaging app. There was an investment opportunity in which i later found out was a pyramid scheme. I sent a total of XXXX to the cashapp accounts below. I contacted cashapp and they stated that there was nothing they can do regarding the situation. I explained to them that it was a scam going on and still stated that they could not help me. 

XXXX XXXX  XXXX {$500.00} removed from bank linked to cashapp account XXXX XXXX XXXX  {$500.00} I have requested a refund from both parties in which XXXX declined and I am still waiting for XXXX response. 
please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to link my account with the APP XXXX to allow me to invest small change from purchases but PNC is not allowing this connection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I am in the process to obtain a new vehicle loan. Based on my recent credit report, I have an account reflecting that is not mine. I was listed as an authorized user by my husband without my authorization.

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 non-monetary relief
Consumer complaint received 2020-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I was paying {$250.00} every 2 weeks when my monthly payment is {$380.00}. They were still reporting me late every month.

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 2020-08-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX and experian won't remove my fraud alert or freeze

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 2020-08-08 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: TX

Complaint narrative:
XXXX transunion and XXXX won't remove my fraud alert or freeze

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 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
equifax XXXX and XXXX won't remove my fraud alert or freeze

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KEYCORP
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I have 2 major complaints. First, for the last few weeks, American Express has been adding XXXX % to retail purchases, whether made on line, or in person at a retail store. 
This is being done by their Bluebird checking account / debit card division. It puts excess personal funds on hold above and beyond the amount of the charge that diminishes, sometimes substantially based on the amount of said type charges, the available funds in my checking account. It remains as such until the charge clears the American Express Bank from the retailer. That's the first complaint. The second complaint involves the Bluebird division of American Express holding credits from retail establishments for 8 days before allowing me to have the money fully available in my account. What is the precedent for this? I will attach a screenshot of this very unethical policy, which I can only assume is geared toward them making money, for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: DISCOVER BANK
State: FL

Complaint narrative:
The payments allocation was not correct. I had a minimum payment of XXXX dollars and made a payment of XXXX dollars. On my credit card I have multiple interest balances ranging from XXXX to XXXX % APR. The allocation of my payment should follow the rules set by The Card Act of 2009, where the minimum payment ( XXXX dollars ) should be allocated as the issuer wishes and the excess payment MUST be allocated to the highest interest balance. But Discover did not allocate my payment as such, they allocated most of my payment to lower interest balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am being sued over a credit card that i have never had, which company says was opened back in XXXX and closed in XXXX. I was hacked 3 times from XXXX. My internet company was asked 5 times over 3 yrs to change my secuirty key, XXXX XXXX never changed my security key. I had fraud on both my bank accounts in the amounts of around XXXX I have submitted an claim for XXXX and XXXX XXXX! they both were hacked! Also my XXXX card was back in XXXX of this year! almost XXXX. XXXX was hacked too! Had many fraud with that account too! Also XXXX XXXX  on XXXX  ordered a hat and soap which have which now with one of my cards of XXXX Every day is a new surprise in my email! Someone has messed with a XXXX XXXX account that I haven't used in 10 yrs! Someone opened a dept Chase Morgan account! I ll never have had any Chase Morgan account ever! My credit is frozen and has been since XXXX of XXXX My husband has been deseaced for 14 yrs, he had an ex-wife from XXXX. She and her family made our life 's misarable. She had 2 cars repoed lost there family home! But card and fake accounts in my name! She reacived XXXX child soaport and never paid for anything! She died 7 yrs ago and every one who did things with her is dead! I havent seen my step-daughter in 14 yrs, i gave her money to buy a car when her father died, Guess what? she blue the money with her mother, they all got tattoes! This identy-theft has been a Nightmare! Please help me, I ve been trying tofix my credit. My Computor has been scrub twice. I just bought it in XXXX of XXXX! Thank You! 
my daughter 's lab top has no spell ck, sorry! lol!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
tried to link account from XXXX XXXX XXXX to PNC bank the XXXX site said that PNC has made a change that prevents the accounts from being linked.where I am prompted to file a complaint with you..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC is no longer allowing connections with XXXX which is a third party virtual.wallet and payment service that I have used with them for years. Now that they have their own service they have cut off XXXX. This is non competitive and should be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: FL

Complaint narrative:
MY IDENTITY WAS STOLEN. I DID NOT AUTHORIZE ANY OF THESE ACCOUNTS. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT. MY CREDIT SHOULDNT SUFER BECAUSE THESE COMPANIES ALLOWED FRAUDULENT ACCOUNTS TO BE OPENED WITHOUT MY PERMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
They have been calling, one after another for over 3 months. I asked them to stop, I made a payment online to them, and the calls started coming in even more. Every time its a new number, today its XXXX and they have called twice already. They dont leave messages, its always numbers from other states, sometimes when I am at work they will call multiple times back to back, as if there was an emergency for a family member.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I just recently tried to obtain a vehicle loan and was denied. There is an account reporting as mine and it is incorrect. This account is a Victorias secret opened my my husband and he listed me as authorized signer without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am writing you in regards to unauthorized charges made through XXXX XXXX  on XX/XX/2020 for XXXX under the account XXXX. I notified by email within minutes of the unauthorized charge. This charge was accidentally placed by a XXXX XXXX XXXX who was playing the game and accidentally made a purchase. They have not responded to the email. I also reached out to Capital One after the email was sent because I was in a panic and they started a dispute for me on that date. I gave then everything I had which was the email I sent and the fact that I did not authorize it. They have since denied it twice and are now telling me to go back to the merchant who is in XXXX and not responding. My husband sent another email today after the second dispute was denied. 

I always pay early and for more than the minimum. I didnt authorize this purchase and I need help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-08 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: NC

Complaint narrative:
I had an account balance with XXXX  of {$100.00} which I had paid. I even have proof of my payment. So I disputed it with Transunion and let them know that Transunions information is in accurate because XXXX was saying that it shows that I have paid {$100.00} to clear the count. This has been going on for months. I keep disputing it and they keep coming back and saying its accurate. So I call XXXX Supervisors and talk to someone and let them know that its in accurate and they need to update it because Transunion not accurately updating my credit file makes my credit looks so horrible compared to the other agencies. XXXX said it should reflect the balance as paid. Transunion has sloppy reporting and difficult to challenge inaccurate information Im not sure where theyre getting it from. And then when things are cleared up and it shows on other Credit Reporting accounts I have to fight Transunion to clear it on there account. Sometimes it takes months and sometimes it takes years. Im looking forward to buying a house in the future but I feel like if Transunion keeps treating me like this as a customer Im gon na have a hard time getting approved. Im working very hard to build a positive portfolio. Transunion is hurting my overall Fico Score Without up to date or correct information and theyre not willing to work with me to fix it even with proof. Thats not right and I paid for their credit reporting service and they still have the most sloppiest and challenging to work with credit reporting service. Please look into this for me because somethings wrong

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 2020-08-08 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: FL

Complaint narrative:
MY IDENTITY WAS STOLEN. I DID NOT AUTHORIZE ANY OF THESE ACCOUNTS. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT. MY CREDIT SHOULDNT SUFER BECAUSE THESE COMPANIES ALLOWED FRAUDULENT ACCOUNTS TO BE OPENED WITHOUT MY PERMISSION.

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 2020-08-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
MY IDENTITY WAS STOLEN. I DID NOT AUTHORIZE ANY OF THESE ACCOUNTS. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT. MY CREDIT SHOULDNT SUFER BECAUSE THESE COMPANIES ALLOWED FRAUDULENT ACCOUNTS TO BE OPENED WITHOUT MY PERMISSION.

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 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
TransUnion has not erased or closed my bankruptcy.Ommy credit report even though I have offered proof. This is affecting my way of life. Today I was denied a car loan because of their incompetence. I worked hard to build my credit back I need something done ASAP.

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 2020-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IN

Complaint narrative:
I am a XXXX and an employee of the XXXX XXXX XXXX ( SC XXXX ) I received acceptance into a XXXX XXXX loan repayment program called XXXX. This program is predicated upon me paying my student loans and then getting reimbursement year-end from the VA. 
The problem is my student loan servicer, American Educational Service ( AES ) keeps decreasing the monthly amount on my loans and not paying the balance we sent in and failing to notify us until after the fact. Now, without my consent or request, they have placed 2 of my student loans in " forbearance '' which will disqualify me from my loan repayment program. I have called and emailed them but they still have not taken the loans out. Decreasing my payment amount so the interest builds an I am indebted to them longer without my consent I consider predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I received an fraudulent email XX/XX/2020 from a credit bureau Equifax with the address XXXX with a misleading subject : Equifax credit monitoring and identity theft protection features for $ XXXX. 

I am reporting email intrusion being that they used XXXX which is a new email address and I have not authorized nor have I given consent to have my personal information used by/ or for marketing purposes. I am a victim of online fraudulent crimes ; email intrusion violation of privacy etc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I took out a {$5400.00} personal loan through Upstart to furnish our first apartment on XX/XX/XXXX. 
This account has regularly shown incorrect information on account balance for the last 3 months. I have filed online disputes on multiple occasions. I paid off the loan on XX/XX/XXXX I called them on XX/XX/XXXX to verify they received and showed full payment, and to see if there was anything they could do to expedite the reporting process since it has caused a dip in my credit score with the introduction of an auto loan. Their response was that they couldn't do anything until the regularly scheduled payment date XX/XX/XXXX per company policy. 
I track my credit scores with XXXX and XXXX XXXX. I've made most of my disputes through them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation