vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
On Sunday, XX/XX/2019 I discovered that {$1100.00} was automatically deducted by Square from my XXXX XXXX account. No advanced notice or warning was given to me about a possible deduction.

I called Square on Monday, XX/XX/XXXX and the representative ( XXXX ) informed me that an email was sent to me on XX/XX/XXXX ( by XXXX ) saying that it was because of a negative balance and because of a payment dispute. He forwarded me the original email that was sent to me by XXXX, however, this email did not state any information on which account and no info on a dispute and who did a dispute. I was very surprised and explained to the representative that I do not have any payment disputes listed within my account and he stated that it was because of another account. I also explained that I did not see any payment dispute in my other account. He informed me that he could not give me any other information and I would be required to just wait for an email from square. 

The next day, I called again on XX/XX/XXXX and spoke to another representative and wanted to find out information of why this amount was deducted. This representative was also not able to provide me with any information and stated that I should wait for an email from Square. 

On XX/XX/XXXX I received an email from Square Recovery stating Weve confirmed that the account XXXX 's XXXX XXXX associated with XXXX is connected to XXXX XXXX XXXX XXXX. 

At this point I still do not know why this amount was deducted and they have not responded with any information on any payment disputes. I do have 2 accounts and in both accounts I do not have any payment disputes listed, nor did they offer me any other information or breakdown of why this amount was deducted. They also stated that this investigation is closed. 

I also want to state that in my whole time being with Square ( approximately 8 years ), I only had 2 disputes and those were ruled in my favor and after those disputes I never received any other disputes so I do not know what they are talking about. I would like to state further that most of my transactions range in the amount of {$50.00} - {$70.00} for each client so it would be impossible to have a payment dispute of {$1100.00}. I should have the legal right to know what this dispute is all about so that I could respond with an appropriate answer, or that I can further investigate, however, Square refuses to provide me with any information of why they illegally deduct money from my business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: FL

Complaint narrative:
On the evening of XX/XX/19 I noticed unauthorized charges on debit card when I checked my account online at home. I contacted Netspend immediately and opened a dispute claim on the first set of charges. I was informed that I must wait until the other charges posted to my account before open additional disputes. A total of {$5200.00} was stolen from my account. Apparently my card must have skimmed and a clone created with a phony name. Netspend is refusing to reimburse the unauthorized charges claiming no error occurred. Netspend customers service offers only scripted answers and will only give you the run around from one representative to another.

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 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Had a alert from credit agencies that a collection was placed on all 3 bureaus. Don't no what it is or never contacted. Closing on house in 3 weeks and bank needs resolution. Thank you and please get removed. Checked on this company and found numerous complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I obtained a loan for a used vehicle in XX/XX/XXXX with Santander Consumer Loan USA for a 72 month term in the amount of {$18000.00} @ 22 % interest rate. My monthly payment was {$470.00} per month and I always paid {$500.00} or more. My term was due to end XX/XX/XXXX. I continued to pay up until XX/XX/XXXX an additional {$5500.00}. The company is alleging I owe an additional {$4900.00} to obtain my title. I have asked for payment history documentation back to the loan inception and they have not provided me with proof that I have not satisfied the terms of my loan outside of a monthly billing invoice. The request was made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NY

Complaint narrative:
On XX/XX/2019, New Jersey Higher Education Student Assistance Authority posted inaccurate information to my credit reports [ XXXX  and XXXX  ]. For the record, i owe no student loans, all loans was paid in full to the original creditor. On XX/XX/2019, I requested [ by phone ] to a New Jersey Higher Education Student Assistance Authority agent Cease and desist all misrepresentation and inaccurate reporting to third parties. To date New Jersey Higher Education Student Assistance Authority continues to violate fair credit reporting act, and infringe on my private intellectual copyright/ copy-claim property. Further more i have never receive any notices from anyone stating a debt is owed, i have no contract with New Jersey Higher Education Student Assistance. I never apply for any student loans with New Jersey Higher Education Assistance Authority, I never attend any school in New Jersey nor was i ever a resident of New Jersey State which are the requirements to receive student loan assistance. I never consent to doing with New Jersey Higher Education Student Assistance Authority. New Jersey Higher Education Student Assistance Authority and it's agents are violating my consumer rights, and are practicing bad business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2015 Bank of America returned my rent check for {$1000.00} as insufficient funds. I had previously made a deposit for {$1000.00} on XX/XX/2015 and the funds should have been available. I was made aware through viewing my account online at BankofAmerica.com. I immediately deposited an additional {$1000.00} into the account bringing the balance above {$2000.00}. Bank of America immediately apologized for the inconvenience, blamed slow processing of deposits for the incident, refunded all the fees, closed my account, and reported me to XXXX for suspected fraud. When confronted Bank of America updated my account status to having been paid in full, but refused to remove the false and inaccurate information from XXXX. They likely did this in retaliation after this incident occurred making it difficult for me to open an account elsewhere.

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 2019-11-21 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: IL

Complaint narrative:
I recently checked my credit report to apply for a mortgage loan and I found several errors on it due to identity theft. I contacted the XXXX Experian, XXXX and wrote letters challenging the inaccuracies of the fraudulent accounts. All three credit reporting agencies sent me a letter stating that the accounts were verified. However, they did not provide any proof or send me any original documents with my signatures on them verifying that the accounts in fact belonged to me. I also sent out more letters requesting that XXXX, Experian, and XXXX send me the original documents again and never received the any legible proof. This has been an on going situation for almost 90 days now. I need these issues resolved 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 2019-11-21 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: IL

Complaint narrative:
I recently checked my credit report to apply for a mortgage loan and I found several errors on it due to identity theft. I contacted the Transunion, XXXX, XXXX and wrote letters challenging the inaccuracies of the fraudulent accounts. All three credit reporting agencies sent me a letter stating that the accounts were verified. However, they did not provide any proof or send me any original documents with my signatures on them verifying that the accounts in fact belonged to me. I also sent out more letters requesting that Transunion, XXXX, and XXXX send me the original documents again and never received the any legible proof. This has been an on going situation for almost 90 days now. I need these issues resolved 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 2019-11-21 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: IL

Complaint narrative:
I recently checked my credit report to apply for a mortgage loan and I found several errors on it due to identity theft. I contacted the XXXX, XXXX, Equifax and wrote letters challenging the inaccuracies of the fraudulent accounts. All three credit reporting agencies sent me a letter stating that the accounts were verified. However, they did not provide any proof or send me any original documents with my signatures on them verifying that the accounts in fact belonged to me. I also sent out more letters requesting that XXXX   XXXX, and Equifax send me the original documents again and never received the any legible proof. This has been an on going situation for almost 90 days now. I need these issues resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Last XX/XX/XXXX I responded to a voicemail saying I was approved of {$5000.00} personal loan. When I called a certain XXXX told me that my credit score is low so I have to pay {$200.00} to have the loan approved and ask me to buy a XXXX XXXX debit prepaid card and load it with {$200.00}. After giving her the details of the card she again asked me to get another card and load it with {$360.00} for the processing fee and after again doing so she told me that they can't deposit the money to my account for some reason and told me that they will send the money through XXXX XXXX so I have to get a third prepaid card loaded with {$200.00} for the fees to pay XXXX XXXX so I can get the money that same day. XXXX then told me that she will call me back to give the ID number for the money transfer but she never called back. I tried everyday to callnher but they don ' t answer the phone anymore and sometimes they just hang up the phone. The last call I made acfertain XXXX XXXX answered and said that XXXX is not available. He said he is the general manager and I ask him to cancel my loan application sng just give me a refund the he told me to call back at XXXX XXXX but again they won't answer the phone anymore up to this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
In a letter dated XX/XX/XXXX, I was notified that my Mortgage ( formerly XXXX XXXX XXXX ) was being transferred to Ameris Bank dba XXXX XXXX , XXXX My monthly Mortgage payment was sent to XXXX XXXX and applied on XX/XX/XXXX. 
Around the same time, I received a NEW Mortgage statement, dated XX/XX/XXXX, from NEW Service provider. On this XX/XX/XXXX statement, on Ameris Bank letterhead, it showed a LESSER regular month payment and that the amount I paid last month ( XX/XX/XXXX ) which resulted in the overpayment applied to " FEES '' ( a late payment fee incurred within the 1st 90 days of my original loan with XXXX which has been in dispute since ). I NEVER received an XX/XX/2019 monthly Mortgage Statement. 

1. On XX/XX/XXXX I received my monthly mortgage statement showing PAYMENT TRANSACTION HISTORY from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, the PAYMENT amount for XX/XX/XXXX was incorrect ( the FULL amount of my check was NOT reflected ). 
2. I NEVER received an XX/XX/XXXX Mortgage Statement from new service provider 3. On XX/XX/XXXX, I contacted Ameris Bank and spoke to a supervisor, XXXX, and inquired as to why my XX/XX/XXXX statement did not accurately reflect my payment amount on XX/XX/XXXX. XXXX explained that Ameris Bank had not " taken over '' my account until XX/XX/XXXX ( despite previous statement on Ameris letterhead on XX/XX/XXXX ) and that his company " only receives the service file-original loan info-and does not include ANY payment history ''. 
4. During XX/XX/XXXX phone call with XXXX, I asked for an explanation on why any overpayment was applied to FEES as opposed to PRINCIPAL. XXXX said it was the right of Ameris Bank to apply any overpayment as the company saw fit. I requested a copy of the original loan, which states on Page 3, Section 2, " all payments accepted and applied by Lender shall be applied in the following order of priority : ( a ) interest due under the Note ; ( b ) PRINCIPAL due under the note ; ( c ) payments due under Section 3 ( ESCROW ). Any REMAINING amounts shall be applied to late charges ... ).

5. I received my XX/XX/2019 monthly Mortgage statement that showed no payment history, ONLY a Long Form Missaplication Reversal. 
6. I received a SECOND Monthly Mortgage statement dated XX/XX/XXXX ( for TRANSACTION ACTIVITY from XX/XX/XXXX to XX/XX/XXXX ) that only showed my last monthly Mortgage Payment from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
There is an account that i was apparently listed as an authorized user on without my knowledge. and It was closed in 2006 yet still shows on my credit report.

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 2019-11-21 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:
I have submitted multiple disputes with Equifax in regards to certain accounts on my credit report. Each time, they have failed to furnish verifiable proof of these accounts belonging to me and yet, they have failed to remove them. Per Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification the validity of the accounts they are reporting, yet they have failed to do so. Equifax admits that their disputes are all done electronically and that creditors and credit furnishers respond to disputes electronically also. Yet, they do not admit to having the verifiable proof that these accounts ever existed or were ever opened by me. They have failed numerous times to positively verify these accounts, further, Under the FCRA, unverified accounts must be removed if they are unable to provide a copy of verifiable proof. 


I have communicated this to them via letters and over the phone, and they still failed and refused to remove the accounts I mentioned numerous times. 


In my last dispute, I have also provided verifiable proof that late payments that they updated my credit report with never occurred, and they failed to update my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: MA

Complaint narrative:
Discover card refused to service my account. I had several issues and I tried to get answers from Discover via electronic messaging chat, but Discover informed me that it does not service customers who prefer to communicate via written messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On numerous occasions I have been subject for multiple overdraft fees with M & T Bank. When transactions are pending, but I still have an available balance, I am prompt to transfer the money necessary to cover the potential negative amount. However, at least twice a month I am charged anywhere from {$300.00} - {$500.00} in overdraft fees. I would like this to be reviewed and corrected.

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 2019-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I received notice in an email from XXXX XXXX on XX/XX/XXXX that there was a change to my credit report. The email stated that there was a collection account added from Midwest Recovery Systems LLC. The account balance is listed as {$170.00} and the original creditor is listed as XXXX XXXX XXXX. 

I was very surprised to see this as I had never heard of Midwest Recovery Systems, nor had Midwest Recovery Systems contacted me via mail, email or phone. If this is a valid debt I should have been contacted and provided more information. 

I am not aware of owning any medical debt. I did not contact the creditor as I know that contact can start a clock for the creditor and keep items on a credit report longer. 

I did dispute the debt with XXXX  and clearly stated in the complaint that I was not provided with any notice or contact from Midwest Recovery Systems. XXXX  concluded my dispute on XX/XX/19 and did not remove the item. 

I believe it is important to note the large volume of complaints to the XXXX  for Midwest Recovery Systems. In fact, the XXXX  has revoked the company 's status due to its failure to adhere to XXXX  policies. 

My rights have clearly been violated and I hereby submit this official complaint and request that the appropriate action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: E*TRADE BANK
State: MN

Complaint narrative:
E-Trade has completely removed access to all of my records for a checking account I closed with them. There are no statements online for the checking account. The only thing accessible is Brokerage account statements for an IRA that I closed with them as well. I need these records for potential upcoming legal matters and request IMMEDIATE ACCESS to all of my checking account statements from E-Trade. I contacted the organization and did a " screen share '' with one of their reps. She was unhelpful and couldn't figure out why the statements were no longer there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hewitt-Capital
State: TX

Complaint narrative:
I received notification that Hewitt Capital has been contacting my place of employment. I reached out the XXXX of Hewitt Capital on XX/XX/2019 at XXXX and notified him that he could not call my place of employment, because my job forbids these types of personal calls. XXXX stated that he was aware of this. We lost communication due to my cellular phone battery dying. I received another notification from my employer that XXXX contacted my job at XXXX XXXX after I told him that my job forbids it. I charged my phone and returned XXXX 's call and I stated to him again that he could not call my place of employment again. He became offensive and stated " I don't know who you are, I don't know who you are ... are you going to verify your information '' after he pulled my file up without a file number. My place of employment forbids this and now I am at risk of losing my job.

Company response to consumer: Closed with explanation