vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
Having trouble due to covid issues and company not working with me at all. Told company suspended repos, however they still call. Made XXXX arrangements for payments and was told the calls would stop, yet they havent. This is a horrible company that says they love and honor veterans, however only the ones who have no financial issues. They harass and dont care about those of us on hard times, and many will soon know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I had {$180.00} in my account on XX/XX/XXXX. My XXXX XXXX double charged me so the 2and charge brought my acct to {$33.00}. I had used my atm card for gas for {$15.00} on XX/XX/XXXX. I also had to use my atm card twice at an atm on XX/XX/XXXX, once for {$120.00} and the other for {$80.00}. On XX/XX/XXXX my account showed {$110.00} in overdraft fees. I called to see why I was charged 3 overdraft fees. It was explained that when my balance was {$180.00} and i took the {$120.00} out, that processed first so my balance was {$62.00}. Then the {$80.00}, the {$140.00} XXXX  pmt, and the {$15.00} gas charge came out which caused the 3 overdraft fees @ {$37.00} each totalling {$110.00} in fees. This morning I logged onto my account and I am being charged ANOTHER {$37.00} fee. When I called to dispute this, I was told that it was for the {$120.00}. So they are saying that the {$120.00} was only deducted from my available balance but not paid so when they " paid '' it " today '' it caused another fee. But if it had already been deducted causing the other 3 overdraft fee 's then it I shouldnt be charged a fee for it. Basically I had 4 transactions with a balance of {$180.00} tet I'm getting charged an overdraft fee for all 4 transactions!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I submitted application online for business savings account. Business banker called and required that I provide social security number to complete application. No alternative was available to authenticate my identity. I expressed concern that Wells Fargo employees were able to see my full social security number with NO encrytion and was told this was the process. This was a business account and they refused to accept the business ' EIN. I asked if the ability for anyone to call in with the application number and they telephone representative be able to see the FULL social security number was a secure business practice and in compliance with NYS social security protection laws and federal rules. I was told its Wells Fargo policy and I had to provide SSN or cancel the application. 
I ask that you look into this practice given high potential for employee fraud, this does not seem in compliance with NYS and federal laws, and my identity can easily be authenticated with our information + an encrpyted SSN.

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 2020-06-17 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: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
XXXX refuses to address a valid credit scoring mistake they have made in conjunction with my loan at Nationstar. XXXX  has refused to accept my documentation showing the error and now has set up a number of cumbersome obstacles to resolving this matter in a fair and honest way. XXXX Report # XXXX for XX/XX/XXXX would not honor my request or a portion of it based on limited information. I have provided XXXX all relevant information regarding a fraudulent report of credit reporting from Nationstar. Nationstar claimed that I did not pay my mortgage on XX/XX/XXXX when in fact their own statements show that I made the payment. However, Nationstar chose to place my funds in an " unapplied funds '' account without explanation or notification. I have made several attempts and provided documentation regarding this " error '' or intentional fraudulent credit report on many occasions yet XXXX continues to deflect, obstruct and obfuscate the matter in some attempt to avoid responsibility. 

I paid the mortgage payment on time and Nationstar has of yet to acknowledge the payment or correct the problem. In addition, XXXX has failed to thoroughly and fully investigate why Nationstar provided them false statements about the credit report and instead has refused all of my attempts to correct this matter and address the error in credit reporting in my file. The attached documentation clearly shows my payment and Nationstar and XXXX 's fraudulent scheme of credit reporting. This is illegal, immoral and should be punishable to the greatest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: LA

Complaint narrative:
My Cash App account is locked and no one has contact me about how I will retrieve my Funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: DC

Complaint narrative:
I have contacted the three credit bureaus regarding XXXX XXXX account on my credit report. The law says that delinquency are to remain on credit reports counting from the first time the account was delinquent. The first time that my account appeared delinquent and reported by XXXX XXXX was in XXXX. All three credit bureaus dropped my XXXX credit reporting fromXXXX XXXX and started the reporting from XXXX with a negative reporting in XX/XX/XXXX. This information is incorrect and the reporting should date back to XXXX -- -meaning this account should be removed from my report from all three credit reporting agencies because the XXXX XXXX falls in the 7 year delinquent rule and should have been removed from my credit in XXXX. We are now in year XXXX and the XXXX XXXX has screwed up my reports on all three account more than 3 years past the time that he should have been removed. 

In regards to XXXX XXXX. My credit card was closed due to misuse of the card by fraud and the company cancelled that account and re-issued me a new credit card. The three credit bureaus decreased my score in XXXX, XXXX and XXXX involving this account. The account has never been delinquent, but my score is screwed with this account monthly in order to justify decreasing my credit score. 

XXXX XXXX scores for the three credit reporting agency has decreased my credit score as much as 67 points in XXXX and decreased again in XXXX. This card is constantly used by the three credit scores to decrease my credit score, but the card is currently. Even when the balance is low, the three credit bureaus do not add the deduction amount that they used for decreasing my credit score.

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 2020-06-17 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: PA

Complaint narrative:
For starters this is my 3rd complaint. I have submitted many letters and spent a lot of money to send letters via certified mail. I have been requesting that this credit reporting company provide proof of accounts they claim they have verified. I have not received any physical paperwork/proof that backs up their " findings ''. In addition to the creditors not sending me any proof. I have made many attempts trying to request proof with my signature and contract that i am accused of having with these creditors. These disputes have been going on for at least 2 years with no proof. When i submit a request via certified mail it seems as if they don't even investigate just say. Even more with me. I think since i made a complaint before this company is retaliating against me by not removing the incorrect information off my credit report and not providing proof with my signature. As a consumer who has access to only so much, the credit bureau has the upper hand/ power and they use that to their liking. I do not know what else to do. Who else can i complain to to get this information corrected on my report? Who else handles disputes with credit bureaus about not getting proof of accounts that they claim were verifiable? Who do i complain to if the company has been retaliating and my issues are not being addressed properly. These creditors are as followed XXXX XXXX XXXX Don't have contract with them do not owe an account that was paid off Dept Of Ed- NEVER LATE ON PAYMENT. loans were put on hold as i was a student. Made complaint before against Dept of ED. have yet to fix it XXXX XXXX XXXX- WAS NOT LATE ON ACCOUNTS AS STATED. Company did not send out statement for months. I would like all the errors deleted from my report ASAP. Also requesting proof that credit bureau has with my signature need to be sent via cert mail to me. 

I HAVE NOT received a response from TRANSUNION and is has been months. their website is not working and no one is answering the calls. anytime i try to talk to a person the phone hangs up. they arent addressing my incorrect information on my accounts is has been more than 160 days.

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 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: PA

Complaint narrative:
On XXXX XXXX, I called XXXX to pay my sons bill. It went through a company called cash app. Ever since this happened cash app has been taking money out of my account. I tried several times calling them but no success. There is a recording stating you won't b able to talk to anyone. Im hoping u can help me! Ty!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
There has been a theft robbery and burglary cases involving me lately. My XXXX XXXX me with weapons and stole my account several times. I made report to dispute the hard inquiries that are on my credit reports and the soft ones. I reported this to XXXX XXXX tx police dept. They made attempts to keep me safe. But this man came back an ssf took my cards and finding some way of using it to get a room at XXXX XXXX  and withdraws XXXX dollars from a store. Then with my identity he been trying pass it off as me and make out online or at stores and apply for loans to XXXX XXXX XXXX XXXX XXXX XXXX  and a numerous others. Please as she remove these negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
There has been a theft robbery and burglary cases involving me lately. My XXXX XXXX  me with weapons and stole my account several times. I made report to dispute the hard inquiries that are on my credit reports and the soft ones. I reported this to XXXX XXXX tx police dept. They made attempts to keep me safe. But this man came back an ssf took my cards and finding some way of using it to get a room at XXXX XXXX and withdraws XXXX dollars from a store. Then with my identity he been trying pass it off as me and make out online or at stores and apply for loans to XXXX ace cash Express XXXX XXXX  and a numerous others. Please as she remove these negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMM Associates, Inc.
State: FL

Complaint narrative:
I was advise that the debt would be cleared and they have received their payment in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
2 years ago my credit score on XXXX  XXXX was over XXXX and now its XXXX only thing I did was apply for a few credit cards they kept sending offers for on XXXX  XXXX that I was pre approved but my score only went down a couple points and now I have no score how do you lose credit from not using it especially XXXX to XXXX Experian is the same

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 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Beginning of XXXX i opened an account with capital one. On XX/XX/XXXX i reported to capital one that a duplicate transaction of {$200.00} took place and that i needed to be reimbursed the duplicate amount of {$200.00} back into my account. On XX/XX/XXXX I get a notice in reference to this issue. I called and was told that my account is restricted. On XX/XX/XXXX capital one refunded back the {$200.00} into my account but penalized me. On XX/XX/XXXX and XXXX I spoke to numerous agents. Neither could give me an accurate answer. Finally I was told on XX/XX/XXXX that capital one was going to close my account. I did nothing wrong in this account. I felt that I have been mistreated and accused unjustly. Can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Pnc has made a change that prevents me from being able to link my financial accounts. I need to link my checking account with my XXXX account so that I can add funds. I have called the bank and they state it will not connect because XXXX uses a service provider called XXXX. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: AR

Complaint narrative:
I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unXXXX  XXXX items. Please remove these fraudulent accounts from my report. Thank you.XXXX  XXXX {$1700.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX PB XXXX {$670.00} XXXX XXXX XXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a closed auto loan with Capital One Auto Finance. This account was opened XX/XX/XXXX and is now closed. Per the fair credit reporting act, a closed account can only be listed on your credit for 10 years if it is a positive account. A negative account would only be listed for 7 years beginning with the first default and/or late payment on the account. My first late payment per my records and capital one is XX/XX/XXXX and the vehicle was repossed in XXXX. Therefore, this account should have been removed in XX/XX/XXXX. I have asked Capital One Auto Finance on 2 separate occasions in writing, disputed with the credit bureaus twice, and have escalated this to the President 's Office in Capital One. I was told they recognize the first late payment as the first time a payment was missed but another payment never occurred after. They are viewing my first late payment in XX/XX/XXXX, this was the last payment I made on the account and the day I requested a voluntary repossession due to the high payments. I simply wish for this to be removed from all reporting bureaus per my right under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: FL

Complaint narrative:
Received an alert today from my credit reporting as to a mortgage hard inquiry. It was from a bank- XXXX XXXX XXXX  XXXX I did not apply for a mortgage or any loan or credit card. It is reported by Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmeriCollect
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I had paid this loan with JP Morgan Finance - never missed a single payment and then they charged me late fees for XXXX $ for 2 months as they did not send me the closing documents of the loan and final pay off in the right address.I spoke to the customer service multiple times and after researching they told me they will remove this from my credit report both late fees and the negative reporting but this has not happened since XXXX.I can be reached at XXXX with any questions or details.I will have to report this to state attorney general office and seek a legal remedy as well.

Company response to consumer: Closed with monetary relief