vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX I used the XXXX Bank ATM on XXXX XXXX in XXXX, MA this was about XXXX. I attempted to deposit {$1300.00} of which the an initial {$450.00} was being deposited when the ATM malfunctioned and shut down with my deposits in the machine. I waited in vain to receive my funds bank as the machine showed an error message on turning back on. I contacted the bank in regards to my experience and was promptly assisted including depositing a conditional credit while they investigate. However four weeks later the bank sent me a letter than after investigating they found only an overage of {$50.00} on that machine and immediately withdrew funds from my account. I was perturbed as to why the bank with cameras etc at the ATM machine would not share their evidence but simply made a decision without even looking at my own evidence. I had a recording and images of my own which I shared with the bank instead they ignored them and now continue to charge overdraft fees on my account. I have made several attempts to explain my situation but to no avail. I have lost confidence in using the ATM service as any malfunction falls squarely on me. This is a service I use because of long hours at work that are out of the bank operation times. I am requesting through this agency that the bank reviews its records including my own evidence which clearly shows no funds being released from the machine. And remove overdraft fees arising from this bank error.

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 2021-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One stopped sending paper statements without the ability to opt out and I've been late the last 2 months with late fees because I didn't see an email statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent my first letter last XX/XX/XXXX and I still have not gotten any response from Equifax regarding verifying inaccurate items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The information shown in the credit report is incorrect, which I found out the record was crossed with my brother 's record, maybe due to we have the same first and last name, and only 1 digit different on the social security number.

We file a complaint transunion, after they sort out, only left 2 record, which other record are missing. 

We called transunion again, they said is nothing they can do, everything is computer generate record, after they put in the social security number, name, date of birth, that's what the computer show, and they said nothing they can do. 

So what should I do?

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 2021-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
Loan care did not credit my account in the amount of {$1000.00} that was transferred from my XXXX XXXX  account to Loancare on XX/XX/XXXX ( for credit toward my principal ). I have had multiple telephone and email contacts with Loancare. I have emailed Loancare copies of all bank transfer records. On XX/XX/XXXX, Loancare emailed me that my complaint would be forwarded to a team of specialists. Since that time, I have received no further communication from Loancare and the {$1000.00} has not been credited to my account/applied toward principal. On XX/XX/XXXX I sent a Priority mail letter via XXXX to Loancare, per the complaint format on their website, detailing steps Ive taken to resolve this issue. I have received no response.

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 2021-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Where do I begin? Im beyond frustrated with the assistant I have gotten from Experian regarding the account with XXXX  on my credit report. XXXX XXXX from how to get away with murder has nothing up on XXXX  because they have violated my consumer rights. I pray you guys review this complaint and hold them accountable. First of Ive been disputing this account for a while. I was surprised when I wasnt receiving any responses from the creditor. To my surprise I later discovered Experian has been reporting the WRONG ADDRESS FOR THE CREDITOR XXXX  while XXXX  is reporting the correct address this has given AN UPPER HAND Ive lost time and money because of this. Not to mention Experian has constantly stated they verified this account as mind. However, based on reports over the last couple of months THEY IS NOT ONE NOTICE OF DISPUTE LISTED THATS A VIOLATON PLEASE DELETE ACCOUNT by the way Ive attached the recordings. And when I spoke to XXXX in XXXX XXXX he was very rude and advise me there was no such law that a notice of dispute had to be documented he mentioned that was up to the creditor he threatened to disconnect the call and over talked me and not once was I irate and rude to him

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 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Co LLC
State: MO

Complaint narrative:
THIS IS NOT MY ACCOUNT AND WAS OPEN UNDER FRAUD I ADVISE THE COMPANY OF THIS YEARS AGO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Inquiry date is from XX/XX/2021 its from navy fcu and i have another one same company for XX/XX/XXXX i recall running my name for XX/XX/2021 however i do not recognize the other two please block and remove from my credit report i tried everything to get this off i called the credit bureau and the bank it came from please remove this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX I visited a XXXX emergency medical facility. On XX/XX/XXXX I incorrectly received a bill for the balance of {$1100.00} from XXXX. Medicaid is responsible for covering 100 % of my emergency care bills. On XX/XX/XXXX Medicaid sent a Notice of Illegal Billing Action to XXXX due to the fact they are illegally billing a Medicaid patient. Despite this, a collections agency called Wakefield and Associates began illegally harassing me over this debt. On XX/XX/XXXX I confirmed with XXXX that the bill was completely resolved and paid by Medicaid on XX/XX/XXXX. I informed Wakefield and Associates of this as they called me multiple times per day. They refused to confirm with the original creditor that the debt was paid, and put the debt on my credit report a few weeks ago. I disputed the account with XXXX, but Wakefield and Associates somehow " validated '' the debt despite it being totally invalid- I called XXXX today, XX/XX/XXXX and confirmed the account was paid by Medicaid .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Step 1 : What is this complaint about? 

Capital One will not issue money back due to time constraints on a dispute. 
XXXX XXXX company instructed me to request money back from credit card when trip was cancelled however Capital One has closed my case with no refund. 

Step 2 : What type of problem are you having? 

Capital One will not reimburse Total : XXXX owed. 

XXXX -- > XXXX XXXX -- > XXXX Step 3 : What happened? 
Booked a trip through a company called XXXX which went insolvent during covid and all trips were cancelled with no refund. I filed disputes with capital one and they closed the one dispute with no refund. The other charge from XX/XX/XXXX they would not open a dispute for due to time constraint. 

Step 4 : What company is this complaint about?

Capital One Credit Card Step 5 : Who are you submitting this complaint for? 
XXXX. XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
The bank is usaa. Im about 2mts behind. I typically pay the loan on the XXXX yet this month Ill get paid from the XXXX  as a XXXX vet on the XXXX. Tried calling twice to make sure that was ok. Was denied speaking to a manager, second time I called I got the same rep who I had a very hard time understanding and she hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I received in the mail on XX/XX/21 a credit card from Citizens Bank with a credit limit of {$11000.00}. I never applied for it. The number was XXXX. I also opened mailed yesterday and a personal loan for a XXXX was denied from CitizensOne the same bank. I called Citizens and reported it to them on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MEMBERS MORTGAGE COMPANY, INC.
State: CT

Complaint narrative:
I asked for refinance on our property with XXXX in XXXX XXXX. It was backed by membersmortgage. They took our application since XX/XX/XXXX with around XXXX dollars. The loann originator was XXXX XXXX XXXX # XXXX. Then last week after months of calling and not answering his phone. I left messages after messages without answer. He came back that we were not qualified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: DISCOVER BANK
State: CT

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: NJ

Complaint narrative:
My mortgage account was in forbearance from XXXX to XXXX of 2021. The person handling the case at XXXX XXXX openly admitted to submitting my paperwork earlier than it should have been. Now its saying that I am 2 payments behind and they reported one already and it has dropped my credit score. I disputed it once and they removed it and my credit score went back to the original score. I disputed it again and it was confirmed that I was correct but they did no correct the report and my credit score was impacted again.

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 2021-08-24 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, National credit system added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA National Credit System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX  XXXX  has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NIC, Inc.
State: TN

Complaint narrative:
Nemo 's Collection agency reported a fraudulent debt on my credit account creating a derogatory mark on my credit report. This mark and additional account negatively impacted my credit score and opportunity to get a car loan. This company does not perform due diligence in their matters which adversely impact those they report against ; seemingly without retribution for their negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
As of XX/XX/2021 XXXX XXXX XXXX was showing last report date of XX/XX/2021. 

On XX/XX/2021 there was a update on XXXX XXXX and Experian showing an update Date of XX/XX/2021 and an incorrect balance. 

If contacted both Credit reporting bureaus and disputed this information but it still hasnt been updated. AsXXXX result I was denied credit.

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 2021-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
The estate account was not safeguarded by Fifth Third Bank and XXXX dollars was fraudulent transferred by its lack of oversight. In the dispute process one check was credited for XXXX dollars..The remaining XXXX dollars of the estate account was denied. This denial is based on Fifth Third Banks assertion that the claim must be filed within 30 days which is in direct conflict with Ohio Law as cited in Muller V. Muller. 162 Ohio App. 3d698 ( 2005 ). From the XXXX dollars the Fifth Third Bank has recovered XXXX dollars of the estate account from other banks according to the police department information. I have not been notified that the XXXX dollars has been deposited back into the estate account. This is a problem. Where is the management and notification from Fifth Third Bank and where is the money?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello. I am finding that one of the most difficult things I deal with is getting the reporting agencies to report information accurately. I spend much of my days dealing with this and you dropping my scores between billing cycles. I do not carry balances I do not care how much credit I use. I need you to correct the following entries on my credit report immediately and I need you to stop playing with my credit score when balances never carry over. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX  XXXX {$0.00} XXXX  XXXX XXXX XXXX {$98.00} which will be paid off by the end of Business Today The only card carrying a high balance is XXXX XXXX XXXX XXXX and that is only because I have yet to be allowed to make a payment and when I do 50 % of that balance is gone with one payment. I am not sure how you are recording your information but if you check my history with each of these card holders I do not carry balances. Please correct and reflect properly on my credit

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 2021-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
I began the refinancing process with my current mortgage lender, Mr. Cooper/Nationstar Mortgage back in XXXX of 2021. I have documents uploaded at their request dating as close as XX/XX/2021. I was finally scheduled to close on Wednesday, XX/XX/2021. The notary called and cancelled, citing that he had tried to reach the mortgage company to no avail. I also tried to reach the company, with no response. The loan processor, XXXX XXXX, called the next day, ( XX/XX/XXXX ), to reschedule. I was scheduled to close again on Monday, XX/XX/XXXX. The notary arrived in a timely matter, and we began the paperwork. Mr. Cooper sent 4 plus copies of every single document ; the packet was messy and difficult to navigate. It was also discovered during this time that the documents were still labeled for closing on XX/XX/XXXX. I was instructed to sign the documents and also include the closing check. Mr. Cooper cashed my closing check before reaching out and informing me that we would have to resign the documents as they sent out documents with the wrong date. I was then scheduled to close for a third time on Tuesday, XX/XX/2021 at XXXX. I emailed my loan Processor, XXXX XXXX on Monday, XX/XX/XXXX, at XXXX to confirm that I was still closing at this date and time. I received no response. I waited at my residence for an hour for the notary to appear. No notary appeared. I called customer service at Mr. Cooper at XXXX CT to inquire about the notary. XXXX, a Mr. Cooper representative, stated he would call XXXX XXXX and call me back if he didn't reach him. I received no phone call back. I called XXXX XXXX at XXXX and received his voicemail. I still have not received any correspondence from the company and it is XXXX. I am upset and frustrated that they have cashed my check and taken my money but have not " closed '' on my loan. I have wasted several hours of my time, taken off of work to deal with this and Mr. Cooper has done nothing to make things right.

Company response to consumer: Closed with explanation