vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have a checking account with U.S. Bank and the overdraft option of this account is disabled since I opened it. On XX/XX/XXXX my account was all good with no overdraft payment I had couple pending charges which they were all covered, and they already been charged out of my available balance. Last time I brought an XXXXXXXX XXXX, and my dad helped me paying it by sending me a XXXX to cover its cost as soon as paid it the amount was taken out of my available balance and the transaction was on pending. So, at this point if my account did not have the enough amount of money Then I'm not able to purchase anything it should decline any charge because the overdraft of this account is disabled. My account after that had {$0.00} and I was expecting a deposit of {$620.00} from my friend it just got deposited on XX/XX/XXXX and when I logged into my account on XX/XX/XXXX instead of expecting {$620.00}, I saw {$350.00}, and I was shocked why my account has dropped this much! I also saw couple comments under multi transactions it says the account is overdraft after this and that transaction! I attached screen shots of the transactions. So, I called the bank I explained my situation and they figured out my overdraft is disabled, and they transferred me to their supervisor and the supervisor was explaining the charges and he was pushing that my account did not have enough money and the account was on overdraft status. I'd want to press charges on U.S. Bank for stealing my money.

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 2022-10-19 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: U.S. BANCORP
State: MD

Complaint narrative:
Back in XX/XX/2022 XXXX decided to close my account despite stellar payment history. When I called them the rep at the time said they decided to not do business with me any longer. I had the account for just on the nose of 6 months and it was my Fidelity Rewards which I loved. Losing a $ XXXX credit limit has negatively impacted me especially since I am in the process of purchase a new home. Recently as of last week XX/XX/2022, when I made another inquiry regarding this account, the reps couldn't see the reason at all why the account was closed in the first place and I was transferred XXXX different times.

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 2022-10-19 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: AES/PHEAA
State: IL

Complaint narrative:
I contacted Fed Loan Servicing and had spoken with a supervisor today. The supervisor was very helpful. And she also gave me detailed info about communication attempts for an income Affidavit sent. I both mailed and faxed over proof of income. I also sent over assistance proof for supplemental food payments, housing assistance, and energy Bill assistance via mail and fax. I called after I noticed that Fed Loan Servicing was reporting XXXX behind when I never committed to a payment due to employment not being gainful due to failed attempts to contacting me. The email and number on file were not active and/or able to be accessed. I appreciate the clarification of information from the supervisor on todays call, I was just taken aback when she notified me of a letter I never received communicating that I will have to pay the balance in full. I never received it to the address on file. I still currently live at the same address. Full payments always evokes a sense of urgency in me. So, I know I never received the letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
XXXX has assessed fees in excess of its own policies. Refuses to remedy any billing errors and closed my account without prior notification or clarification as to why. Please See Attachments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FORD MOTOR CREDIT CO.
State: MD

Complaint narrative:
I am being held up on taking a loan out on my property because Ford Motor Credit. I filed for bankruptcy back in XXXX and included the vehicle in this. In XXXX, XXXX renewed a claim against me regarding this vehicle and attached it to my property that i inherited from my mother when she died. 

The attorney handling this says that I am not personally responsible for it since the bankruptcy, yet it still remains attached to my property that i cant take a loan out on because of this. The attorney wont give us a release and he wont give us a payoff either. 

They attached the car to my mothers house back in XXXX it was not my house then. 

Attorney is XXXX XXXX XXXX ex XXXX is who is handling this bankruptcy and wont give me a release.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
am a natural person, I am a living human being, I have rights under 15 USC 1681 Transunion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 


Accounts XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX INQUIRY XXXX : XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX  XXXX XXXX. 
XXXX XXXX XXXX. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. 
XXXX XXXX XXXX XXXX Negative reports without written consent XXXX. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Mortgage went up in XX/XX/2022 so I called caliber home loans to find out why. They said that it was because my fire tax went up and I told them there is no fire tax in XXXX XXXX at least not in my area I only have property, school, and water taxes. She said well thats what is the fire tax and didnt give me any other help or answers so I did research on my escrow account to find out that my deed was not recorded right because we have 2 lots they did not get combined and one was in our name and the other wasnt so I called back and told them about the parcels not being combined that one was in my name and the other was not and explained to them about the fire tax that we do not have a fire tax in XXXX XXXX XXXX She said they would look into it and it would take 20 days ( she also said they would turn in the paperwork to fix the parcels but didnt do that either ) and I would b contacted once they investigated the tax issue. 60 days went by with no contact so I contacted caliber home loans tax office once again and they said I would have to get a letter stating that the fire tax did not exist I asked who do I get a letter from and they said XXXX XXXX. I contacted all 3 tax offices to see if they could provide me with such letter as to say that the fire tax does not exist in XXXX XXXX and they could not write a letter for a company that is not them or that doesnt exist so I called caliber back to ask them what to do. The guy actually laughed and told me that is the only way to take the fire tax off and they could not just take it off and I proceeded to tell him they were fraudulently charging me for my taxes and asked them where they sent the payments for this he said XXXX XXXX and I said where whats the address and he said they wire the payment I asked for more info on the payment and no answers made sense. I have tried multiple times to call caliber and get this fire tax taken off but I am having no luck at all with this company taking it off or even doing any research to make it right. I mean taxes are public access and can be looked up by anyone. I just need the fire tax that I have been paying for taken off of my escrow account and get refunded for the amount I have been overpaying I also explained to them that the amount I was being charged for the said fire tax was the exact same amount as the water tax and asked them XXXX that was possible that the water and fire would XXXX exactly the same. XXXX never had any answers but keep charging me for this on my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name Account Number Last XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX ) Reference # XXXX Bankruptcy ( XXXX XXXX ) Bankruptcy ( XXXX  XXXX ) Reference # XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name Account Number Last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX ) Reference # XXXX Bankruptcy ( XXXX  XXXX ) Bankruptcy ( XXXX  XXXX ) Reference # XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I have been trying to get my account unlocked since XX/XX/2022. I have spent hours talking to them about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: AES/PHEAA
State: TN

Complaint narrative:
My account was closed XX/XX/XXXX with FedLoan, is supposed to be {$0.00}. Balance they are no longer my servicer. I have a new servicer XXXX. The transfer was completed in XX/XX/XXXX all loans are with XXXX. As of today FedLoan will not report my balance as {$0.00}, they are still reporting my balance on my XXXX and XXXX as open as if Im my account is still with their company. I have done several disputes and they are being updated as balance remains and Im no longer with them. I have spoken with the credit bureau and they state they only update what the company is putting out. FedLoan servicing is reporting to them that the balance is still open when clearly on my credit report I see when it was closed and transferred to another lender. One supervisor said the loans werent converted yet thats why Fedloans are still reporting a balance. False I have documentation from my new servicer showing all loans were transferred in XX/XX/XXXX to XXXX. I just need my account updated accurately Im no longer with FebLoan anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: Open Dealer Exchange, LLC
State: GA

Complaint narrative:
Did not authorize Credit Pull. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXXBarclay 's XXXX placed with collections and did not allow me to rectify and pay erroneous balance of {$310.00}. When I contacted the collections agencies they did not have the account and could not take payment for me to bring it to resolution. XXXX told me that this XXXX  account could not be rectified

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 2022-10-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account Name. Account number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2 . It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe the information is inaccurate.

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 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Santander bank has blocked my access to my checking account which has my money. They refuse to give me access to my account and funds.

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 2022-10-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I needed to dispute a credit card transaction for services not ad described and/or services not delivered. The original transaction date was on XX/XX/XXXX in the amount of {$6000.00}. The date which I learned the services were not as described and/or not delivered was on XX/XX/XXXX. I contacted my financial institution USAA to dispute the transaction and was told they generally can not dispute transactions beyond 60 days but would do so if I submitted my request in writing. I submitted my dispute request in writing as instructed, and was informed that they would not proceed further due to the transaction elapsing 60 days, which contradicts entirely how they advised me initially. I asked for clarification into why this was the response given and was furnished no credible information. Doing my own research, I discovered via VISA ( credit card ) guidelines that the time limit is 540 days. Per VISA literature : The issuer can pursue a dispute as the original services were not rendered using Dispute Condition 13.1 Merchandise/Services Not Received. The time frame would be 120 days from the expected services ( not to exceed 540 days from the transaction processing date ). USAA refuses to acknowledge the terms and services of VISA as the issuer, refuses to issue a dispute despite clear guidance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: NY

Complaint narrative:
on XXXX XX/XX/XXXX my cash App account was accessed and {$1000.00} was sent from my account to another person 's cash app account. I then contacted cash app explained to them while the charge was still pending that it was in fact an error. cash app explained to me that they can not stop a transaction while its pending. that I would have to try to contact the recipient and ask them to cancel the transaction. unable to do so for several days I spoke back and forth between cash app representatives and supervisors. after unsuccessfully being able to resolve the matter the account status updated to complete. I then contacted cash app again and explained to them that the transaction is complete and if we can now work on refunding or reversing the transaction after several hours of countless transfers to different departments and representees. i was then informed that because it was completed, they could not do anything to reverse payment and that i would have to get XXXX with the bank on file that's link to the account where the funds were transferred from. I then did exactly what i was instructed to do and reached out to my bank who then investigated and refunded me my money from cash app. cash app then went back into my cash app account and over drafted my account for the {$1000.00} my bank disputed with them leaving my account XXXX already had a positive balance of over {$400.00} when they went into the account. i really need my money back. this company totally mishandled my case and have no protection for victims

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: TN

Complaint narrative:
My account was closed XX/XX/XXXX with XXXX, is supposed to be {$0.00}. Balance they are no longer my servicer. I have a new servicer XXXX. The transfer was completed in XX/XX/XXXX all loans are with XXXX. As of today XXXX will not report my balance as {$0.00}, they are still reporting my balance on my TransUnion and XXXX as open as if Im my account is still with their company. I have done several disputes and they are being updated as balance remains and Im no longer with them. I have spoken with the credit bureau and they state they only update what the company is putting out. XXXX XXXX is reporting to them that the balance is still open when clearly on my credit report I see when it was closed and transferred to another lender. One supervisor said the loans werent converted yet thats why XXXX  are still reporting a balance. False I have documentation from my new servicer showing all loans were transferred in XX/XX/XXXX to XXXX. I just need my account updated accurately Im no longer with XXXX anymore

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