vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 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 — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: VA

Complaint narrative:
When the rates lowered last year. I started applying to refinance my home. I spoke with over 20 lenders. Even though my credit score was over 700 and my LTV was 30 %XXXX I was denied over and over again. I spoke to the lenders who pointed out one issue preventing me from being approved. PNC bank had added a comment to all three credit agencies stating " Foreclosure Started ''. I agree that I was late in my payments on several loans due to divorce, however, I made great efforts to avoid foreclosure and bankruptcy. What I learned is those two words " Foreclosure Started '' is treated as the same as an actual foreclosure. I sent a letter to PNC on XX/XX/XXXX asking for this comment to be removed. PNC did not respond. I sent a follow up letter on XX/XX/XXXX. PNC denied my request to remove that comment on XX/XX/XXXX. PNC stated that my home was in foreclosure for 21 days and that they could not remove that comment. I believe this comment was purposely and deliberately put on my credit report to ensure I would suffer seven ( 7 ) years of inability to secure another loan. PNC even admitted that the loan was paid in full including fees. How can I be treated as a consumer who had a foreclosure when no foreclosure ever took place? The loan was satisfied. What reason does PNC have to punish me for 7 years as a borrower? Why is it protocol for every other lender in the U.S. able to deny me credit based upon a comment that doesn't tell the whole truth? I would like the CFPB to assist me in having PNC Bank remove a comment on my credit reports. This simple comment has the same power as an actual foreclosure or bankruptcy by denying me credit for 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: AR

Complaint narrative:
On XX/XX/XXXX, I paid my internet bill with XXXX early, as I was closing the account it was typically auto drafted from. Despite removing the account from my online account and paying the bill on XX/XX/XXXX, XXXX attempted to autodraft on XX/XX/XXXX on my closed account, resulting in ( 1 ) a negative balance on my XXXX account XXXX XXXX XXXX a rejection of the draft by my former bank. 

I contacted on XXXX XXXX to inform them the negative balance should be XXXX, as I was notified by my former bank that the autodraft was rejected. At that time, the customer service rep for XXXX  removed the old account from their end ( even though it was already gone from the customer-facing site ) and assured me the account would be balanced shortly. 

On XX/XX/XXXX, the customer account site still showed a balance of XXXX. 

As of this morning, XX/XX/XXXX, the balance was {$0.00}. 

Today, I got a letter XXXX see attached ) from TRS Recovery Services , Inc claiming that XXXX had turned the " debt '' over to collections and I now owe {$89.00} + {$30.00} " returned Item fee. '' This letter is dated XX/XX/XXXX, XXXX days after I contacted XXXX. In addition, there is no way they would have turned an account where nothing was due over to collections. 

To " resolve '' the dispute, I went to the TRS  website, only to find they require my SSN, as well as a routing and checking account number for a dispute, despite having assigned a " reference number '' to the case. I then contacted XXXX to see if they could resolve the issue. 

See attached screenshot. The XXXX company does not use TRS Recovery for debt collection, they show my account as in good standing, and there is no debt in collection. 

I called the number on the TRS letter. The only way to talk to an actual person was to lie in the phone tree and claim I didn't have a reference number. When I did get an " XXXX XXXX '' on the line, she asked for my reference number. When I gave it to her, she hung up on me. 

This is clearly fraud.

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 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
I try making a purchase online after speaking to a customer service rep.who directed me to do so, since they do not do phone orders ( The company name is XXXX, ) tel # XXXX.My purchase did not go thru and I was prompted to try again, I tried the purchase a second time when then it was successful ( The items purchased was a package on sale, which is a 330 watts power station and 100 watts solar panel, that cost {$390.00} with insurance of {$12.00}. to total $ XXXX purchase was made on XX/XX/XXXX around XXXX XXXX. 
I receive a text and an email from my bank ( WSFS on the same day around XXXX XXXX I responded to both first the text and the email. The email from my Bank ( XXXX ) states that there were ( 5 ) items purchased between XX/XX/XXXX to XX/XX/XXXX ( 2 ) Two of the items stated was two purchases from XXXX for ( {$400.00} each ) In that email I was asked to click one of the two statements asked, One asked ( All transaction ( s ) Authorized and the other ( One or More Transactions ( s ) NOT Authorized I clicked on - '' One or More Transactions NOT Authorized " I also called the Bank and spoke to a supervisor, who agreed to place a dispute on the one item, I also contacted the Merchant Rockpals that evening around XXXX XXXX Delaware time, I left a message as there was no one to answer, I called back on XX/XX/XXXX and I spoke to CSR who again confirmed that there is only one order, I followed up with the bank on XX/XX/XXXX, XX/XX/XXXX and again today XX/XX/XXXX to learn I was charged again overdrawn fees, ad the bank said they will refund those fees, however I must make a deposit to cover the overdrawn amount, until the dispute is resolve, which can take from ten to thirty days. 
I made a Payment to the IRS after I Transfer the amount need to cover the payment, the bank inform me today, I will be charged if I dont deposit money in the account. I will be filing a complaint against the merchant with the FTC. I have no issues with my Bank, other than not resolving this matter quickly, since they were the one who realize that the transaction, was not authorize, and also with me ( XXXX XXXX, responding the same day via email and telephone calls speaking with two supervisors, ( Supervisor XXXX is the one who is handling this matter )

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 2021-03-19 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: DISCOVER BANK
State: TN

Complaint narrative:
XX/XX/2012 I was locked out of XXXX to complete a transaction. After trying to contact XXXX for over 2 hrs. I finally reached someone believed to be an XXXX associate who told me my problem was verifying my credit card. I was then told to go to XXXX and purchase 2 gift cards valued @ {$200.00} each which they showed on my cell phone was transferred into my account. Then told they didn't take after giving them the number of cards and that I needed to go to a different store to purchase others. I continuing asked them about this unusual system XXXX was using to test my card however they convinced me that it would be fine and I would be able to get into the computer soon. Now it ended up being three XXXX cards for {$500.00} ea. same thing showing on my phone the exact amount was transferred into the charge card which had the exact last numbers that I use. Finally when they insisted one more card was needed this went onto Discover for {$500.00} I was worn out arguing with them. The previous transaction was on my XXXX card. Now I contacted the credit cards minutes after I got home and noticed my computer was now unlocked. Both XXXX and Discover were notified ; This people were man and wife and the call was from XXXX XXXX CA. and represented XXXX which to me is fraudulent however because they instructed me to purchase the cards both XXXX and Discover this to be a scam of which even though it was on a credit card will not remove the cost, I am a senior and live on social security and try to supplement by selling little items on line. I always pay any credit off monthly so as not to incur interest, however, this is impossible for me to do at this time, I went into XXXX and explained my situation to no avail and I even asked if they would keep the interest off if I paid it off monthly, answer was no. How cruel can they be as I have been banking with them for at least 4 yrs. and NEVER missed a complete payment. Discover will take the interest off for the first month only however, between the both I'm at a dead end. I gave XXXX complete information. I contacted all of the above within minutes after realizing I had been scammed. You are my final resort for help. No one can realize what a burden this has put on a senior who just wanted to supplement her income. I did nothing but believe crooks who found and knew everything about my address, banking, etc. Everything had to be deleted and new cards issued, Horrible lesson to learn in times like these when prices of everything is on the rise. PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Consent not provided. No consent by definition is identity theft. No permission was given to any consumer reporting agency to have my consumer information which is a violation of USC 1681b ( b ) ( 1 ) my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: TX

Complaint narrative:
Hello, I was going to wait until XX/XX/XXXX before submitting another complaint. On XX/XX/XXXX, I submitted a CFPB complaint ( IDXXXX ) and XX/XX/XXXX, Transunion stated that they were opening a dispute. I called and it was determined that no dispute was opened. 

At this point, I should sue them but I am trying to save my money during this pandemic. They are incorrectly reporting information and degrading my credit score. 

In XX/XX/XXXX, I requested for Transunion to investigate inaccurate information related to the trade line XXXX ( Account Number : XXXX ) and to update or remove the account. Transunion responded that they verified the account. In XX/XX/XXXX, I asked for them to provide how they verified. I never info in regards to how they verified instead they verified the account again via report number : XXXX. I requested method verification again in XX/XX/XXXX, and they never provided the method of verification. I advised in my last complaint that I was told by a Transunion representative that this was all done electronically and that they do not have to provide the method of verification. 

After filing the complaint with CFPB, I never received a method of verification of how they verified the account. According to the FCRA, they have 15 days to provide from the receipt of request. We are well past 15 days. 

In XXXX after back and forth with the original creditor, they provided a letter showing the tradeline is charged off. I was also told that the last payment was applied to XX/XX/XXXX and that the first date of delinquency was XX/XX/XXXX. However, Transunion is reporting this tradeline as account status = " Repossesion '' and payment history is accurate. And they have re-aged this trade line.

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 2021-03-19 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
CFPB Office of Administrative Adjudication. 
Docket number : XXXX Filed : XX/XX/XXXX Pertaining to the above even though the Bureau found that between XX/XX/XXXX and XX/XX/XXXX Santander violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete this company is still violating the FCRA in XXXX. On XX/XX/XXXX I made my car payments using Automatics Payment the only method of payment open to me In the amount of {$500.00} for my XX/XX/XXXX payment. On XX/XX/XXXX I received an automated call from Santander Asking to collect a debt. Because of this I placed a call to Santander to inquire why I would be receiving a phone call when I had in fact paid my scheduled car payment. On the XXXX day after my scheduled auto payment I was notified that my payment was not received through the automated system. This is the second time that this has happened and the results have caused a credit drop of XXXX points I immediately notified the representative that this is unacceptable. Santander failed to put into place reasonable means of payment methods for their clients and instead furnished late payments to the ( 3 ) credit bureaus without even an alert as initially promised at the time of electing the auto pay method. I received no alert of a missed payment due to their auto payment error in almost 18 days after the payment was due! Further, I filed a complaint to Santander and requested a response within a timely manner. Furthermore, after realizing the error I expeditiously made the payment but I have no faith in the payment methods that are available to me as a client. Santander has now responded and notified me that they only accept payments through their automated system even though it may be experiencing issues. I request the assistance of the consumer Financial Protection Board with my dispute to remove the inaccurate information being reported against me by Santander and that it is causing extreme hardship to some one with once impeccable credit and brilliant payment history. In the face of future occurrences with Santander 's inability to provide other means of payment methods there will always be this issue and the auto finance seeking public should be aware that doing business with Santander will dramatically ruin your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following credit bureaus ( Transunion and XXXX ) are reporting inaccurate information on the account listed below. I need this account deleted immediately. 

XXXX XXXXXXXX XXXX is reporting inaccurate information. I do not know what this particular debt is about with the following amount of {$110.00} which is being reported on my credit report. I did not get any documents about this debt. I was not given an opportunity to resolve this debt before it was put on my credit report. I did not go to the doctor in XX/XX/2020 as it is reported on my credit score. How am I suppose to pay a debt that I have completely no knowledge about. They refuse to delete the account off credit report if I was to pay in full which causes a negative report which decreases my credit Score. Tried to contact the supervisor XXXX XXXX and stilI as of yet no response. I know that they should be able to delete it immediately if they are reporting it.

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 2021-03-19 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: CA

Complaint narrative:
rWhat happened? I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

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 2021-03-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian Credit Bureau is not displaying My first name properly which is causing problem in getting my actual credit report. I have uploaded my identity proof documents several times in last one year and sent hard copies of the documents 2 times in Since XXXX. 
They are saying, their database does not support my first name as " XXXX '' that's why they can't fix it. 
Fyi, I am getting my credit report from other 2 credit bureau with the same name without any issue. 
I am suffering for Experian 's reluctance in fixing their issue. 
I need a solution for it as I feel like I was not treated fairly.

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 2021-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I received a text message from Robinhood that a bank account has been added to my robinhood account however I do not have an account with them. The text message was legitimate because it said I should report it to them by sending an email to XXXX, which is the same email account that they provide on their website. I sent an email and have yet to hear back. They do not have any telephone number where I can call to speak to anyone. Disgraceful that they are not taking this seriously. Would appreciate your assistance as I have no recourse whatsoever being a consumer and not having an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: FL

Complaint narrative:
I sent a letter to equifax that arrived per certified mail on XX/XX/21 concerning validation of debt. I never received a response from equifax.Ive attached a comply of the letter as well which clearly shows this letter was notarized and included a copy of my id and social. Its been over 30 days and Im requesting removal of this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
2010 I filed bankruptcy and completed school at which time these loans were serviced by Sallie Mae then turned over to Navient. Since 2010 Navient has continued to defer my payments by computer. I never spoke with anyone to review repayment options since I've been employed in the social service sector since prior to 2010 until today. Navient has caused this issue because they failed to educate, explain and make suggestions based on finances. In turn they continued to let my account accumulate tax and fee totaling o er XXXX, I only make XXXX with two children. Since the pandemic I've been out of work and have a child in college its difficult and I worry. This shouldn't be especially since I've been employed all along.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: AZ

Complaint narrative:
I used Cash App to purchase some stock. On XX/XX/2021, at XXXX, I sold {$360.00} of stock. I have a screen shot of this sale showing the date, time, and value. Cash App only deposited {$300.00} in to my account. I have sent multiple emails to Cash App customer service - they have only responded twice, and in those responses only said " we are reviewing this ''

Company response to consumer: Closed with explanation