vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XX/XX/1996 my husband and I completed paperwork to refinance our home with XXXX XXXX XXXX previously located in New Jersey for {$33000.00}. Within 72 hours we decided to cancel the loan and drive to the mortgage company to complete the cancellation process. I recently found out that the mortgage is still opened when I tried to sell my home and realized the company never canceled the loan. I have never paid on the loan or received any late payment notices because the loan was canceled. I tried to explain this to the title company but was unsuccessful. Unfortunately, I can't find the cancellation letter from over 20 years ago. I conducted some research and found that XXXX XXXX XXXX. of New Jersey was once a subsidiary of XXXX XXXX XXXX XXXX  and later acquired by XXXX XXXX and now Santander Bank. I was never notified of a change of ownership or payment notice for the mortgage.

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 2021-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
My complaint is against Nissan Motor Acceptance Corp. A/C # XXXX. In XX/XX/2020 I co-signed for my son to lease a car. My son lost his job and I just found out he did not make several payments and was two months late. I am fully aware that I am responsible for making the payment if he does not make them, but my complaint is that at no time did Nissan Motor inform me the payment were late. They are claiming they did not have my information but at the very minimum they have my address. There is no way they would allow me to be a co-signer without getting my personal and contact information. At no time during this process have I received an email, a phone call and much less a letter letting me know the payment were not being made. As soon as I found out about the late payment, I called them at XXXX and brought the account current. I also told them I had just found out the account was late and was asking why I had not been notified. They told me they cant control the USPS and most people call to say they have not received the letters they send. The claim they sent two letters. At no time did I receive any letters and I have proof. I am set up with the USPS and every morning at XXXX I get an email with a copy of the envelopes I am receiving that day. I can provide these emails going back several months if necessary and you will see that not one envelope was received from Nissan. I asked the rep who would only give me his first name of XXXX, if he didnt think it was strange if as he says most people claim they dont receive mail from them. I did not receive any mail or notices from them. This has a big impact on me since late payments are reported to the credit agencies which can impact negatively in many aspects. It impacts jobs, interest rates, ability for me to refinance my mortgage, car insurance, just to name a few. Since Nissan did not notify me that the payments were late, they should also not have the authority to report this to the credit agencies such as XXXX, XXXX and XXXX XXXX. As a co-borrower I am obligated to make the payment but if the borrower does not make the payment, Nissan is also obligated to inform me that a payment is due. I have my obligations as a debtor, but Nissan also has an obligation as a lender. I want a letter from them confirming they will not report the late payment since they did not due their due diligence in contacting me. I am sure my conversation with them was recorded. I am asking the CFPB to assist in this complaint since they are so difficult to deal with. I was finally able to get my son to give me a copy of an old statement which I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TN

Complaint narrative:
The company is not honoring the COVID-19 wavier of student loan interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This is a closed account that Has been closed since XX/XX/XXXX. XXXX XXXX. XXXX was a co card holder on this account, and XXXX XXXX XXXX was the primary account holder. 

As of today XX/XX/XXXX, XXXX XXXX XXXX XXXX reported the month of XXXX as NA which is not legal and following the fair credit reporting act. Payments are made on time even though this is a closed account. 

This needs to be reported as paid. 

Attached are screen shots of XXXX XXXX XXXX, XXXX  report showing this unlawful NA under XXXX XXXX XXXX. 

Also attached is payment history showing on time payments. 

We object to this NA as its required to say paid We, XXXX XXXX XXXX and XXXX XXXX XXXX, reserve all rights. This complaint does no require any phone calls as this account is closed with a current balance and paid as agreed. This is a credit reporting issue. 

By law they are required to say paid for all months for on time payments ... until balance is paid in full. This is a unlawful reporting by samsclub synchrony bank

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 2021-04-11 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: OneMain Finance Corporation
State: NY

Complaint narrative:
This credit inquiry is unauthorized and need to be removed immediately Onemain financial inquiry from XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TX

Complaint narrative:
Unsure why I received a pre-paid mastercard. Never signed up for it. Tried contacting the XXXX number on the back of the card to get more information, but wants me to enter my SS and is all automated. Can't reach a live person to figure out how this happened. Checked my CR and no ID theft has occurred.

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 2021-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: VA

Complaint narrative:
I received a phone call about two weeks ago from this company. I didnt receive anything else and this was also my first communication I have gotten. They stated that they were attempting to collect a debt, and I did not know what debt they were talking about. They said I owed {$51.00}, and I was willing to pay online, the woman on the phone said that she would walk me through paying online instead of providing me the web address. I said that I couldnt stay on the phone long because I was at work and asked if she could call the next day. We agreed on XXXX the following day. She never called. On XX/XX/2021, I get a notice in the mail, stating it was collecting a debt. On XX/XX/2021, the notice was sent and on same day, they flagged my account for collections. I never got proper notice, and never got a callback number or email address or web address to contact. I didnt even know HOW to pay the debt let alone know its legitimacy and what the debt was in regards to. They only called me one time and sent one notice, all within the last two weeks. To date, this account is paid in full - despite the lack of communication and proof of legitimacy on their behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Starting last month, XX/XX/2021, after multiple years of having this Macys account, they are preventing XXXX XXXX XXXX from making purchases online stating authorization holds even though Macys has repeatedly cancelled online purchases about 10 times in the last two months. 

XXXX XXXX XXXX is a co card holder, and can prove that hes been able to buy the same items in store off the shelf and ordering with a clerk online in the store, that Macys cancelled online. Worse Macys is not updating the available balance for multiple weeks after payments have been made, returns have been made, cancelled online orders by Macys etc. The available balance keeps deducting without lawfully updating the account to current. They keep issuing billing statements with wrong available balance that doesnt match with current balance. 
This happened last month and they promised this wouldnt happen again, ona legal phone call recording that, we, XXXX XXXX XXXX and XXXX XXXX XXXX have an are withholding for our evidence. 

Balances are required to be updated immediately not weeks later. 

We are very concerned that Macys admitted in an online chat on XX/XX/2021, which is attached to this complaint, that there are authorization holds. 

No explanation for this. Only reason there would be any authorization holds on an account, would be stating theres a illegal conservatory accessing our account without our knowledge. 

By definition of having this card there shouldnt be any authorizations required. This card had a {$7300.00} limit, which proves authorizations are not required. Theres no such thing as authorization required to make online purchases. 

We dont accept this unlawful response. On time payments for over 4 years. This has been happening for the last couple months now. Doesnt make sense. Especially when a instore clerk can order an online purchase for XXXX but Macys wont allow it to personally done online. 

Whats the problem? Why is this happening all of a sudden? Authorizations doesnt exist. 

This complaint doesnt require a phone call because Macys isnt putting anything in writing besides the admittion through the Macys chat. 

Why is it taking weeks to update available credit usage and balances? Why is this happening all of a sudden? Why is Macys preventing online purchases? This has never happened. 

Why is Macys not following fair credit reporting act. 

Phones calls were already made, and it didnt resolve anything. Screen shots of this online chat is attached We, XXXX XXXX XXXX and co card holder XXXX XXXX XXXX XXXX all rights as pro se.

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 2021-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Merchants Acceptance Corp
State: KS

Complaint narrative:
Over the past several years I have been in contact with the agency to report the account as being opened fraudulently by my ex husband who I have formally brought charges against for the financial, emotional, and physical XXXX I endured during the marriage. I've gone as far as asking for the supposed " contract '' they claim I signed and what they sent me wasn't even my correct name. I've disputed the account on every credit bureau available to me. They still refuse to help clear my name, credit worthiness, and validity as a victim of financial XXXX  by removing the fraudulent account, further traumatizing me and ultimately delaying my ability to obtain the financial support I so desperately needed to escape my XXXX. I've included some of the documents I receive on a regular basis regarding the charges I have taken out on my XXXX to further solidify my identity as a victim of XXXX in many forms, financial XXXX being one of the many.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: GA

Complaint narrative:
I have sent in several letters to XXXX, equifax, XXXX and collection accounts. On these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent letters regarding inaccurate, unknown and not the same information reporting across the credit bureaus on my credit report and there has been no changes. Bankruptcy docket, the courthouse states that they do not furnish, provide, report, or verify bankruptcies with the Credit reporting agencies, vendors and third-parties. This information is public records. So it needs to be removed immediately. That Makes this willful negligence on their behalf and a violation of the FCRA. As a result it is affecting my credit score and causing damage to my reputation. They keep sending from one person to another. I have been dealing with this for over a year now and about this bankruptcy account I demand that this account be promptly deleted. Also I am writing this letter myself so please don't say that this is from a third party to stall the process of removal from my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: GA

Complaint narrative:
I have sent in several letters to XXXX, XXXX, experian and collection accounts. On these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent letters regarding inaccurate, unknown and not the same information reporting across the credit bureaus on my credit report and there has been no changes. Bankruptcy docket, the courthouse states that they do not furnish, provide, report, or verify bankruptcies with the Credit reporting agencies, vendors and third-parties. This information is public records. So it needs to be removed immediately. That Makes this willful negligence on their behalf and a violation of the FCRA. As a result it is affecting my credit score and causing damage to my reputation. They keep sending from one person to another. I have been dealing with this for over a year now and about this bankruptcy account I demand that this account be promptly deleted. Also I am writing this letter myself so please don't say that this is from a third party to stall the process of removal from my accounts.

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 2021-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/2021 PayPal synchrony bank issued new cards for this PayPal account due to, there discovery of fraud charges and they alerted cardholders, XXXX XXXX XXXX an co card Holder XXXX XXXX XXXX. 

They agreed in writing sent via email and via usps that new cards were being issued. 

On XX/XX/2021, PayPal synchrony bank sent a letter to XXXX and XXXX, confirming that the charges were removed. 

As of today XXXX and XXXX have not received any new replacement cards. This is still an active account thats paid as agreed. 

Give us our cards. 

Attached are both letters from XX/XX/XXXX and XX/XX/2021 from PayPal synchrony bank This does not require any phone calls. As the fraud charges for the reason of issuing new cards was approved and resolved last month, multiple weeks ago.

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 2021-04-11 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: Self Financial Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Over the past several years I have been in contact with the agency to report the account as being opened fraudulently by my ex husband who I have formally brought charges against for the financial, emotional, and physical XXXX I endured during the marriage. I've gone as far as asking for the supposed " contract '' they claim I signed and what they sent me wasn't even my correct name. I've disputed the account on every credit bureau available to me. They still refuse to help clear my name, credit worthiness, and validity as a victim of financial abuse by removing the fraudulent account, further traumatizing me and ultimately delaying my ability to obtain the financial support I so desperately needed to escape my XXXX. I've included some of the documents I receive on a regular basis regarding the charges I have taken out on my XXXX  to further solidify my identity as a victim of abuse in many forms, financial abuse being one of the many.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Over the past several years I have been in contact with the agency to report the account as being opened fraudulently by my ex husband who I have formally brought charges against for the financial, emotional, and physical XXXX I endured during the marriage. I've gone as far as asking for the supposed " contract '' they claim I signed and what they sent me wasn't even my correct name. I've disputed the account on every credit bureau available to me. They still refuse to help clear my name, credit worthiness, and validity as a victim of financial XXXX by removing the fraudulent account, further traumatizing me and ultimately delaying my ability to obtain the financial support I so desperately needed to escape my XXXX  I've included some of the documents I receive on a regular basis regarding the charges I have taken out on my abuser to further solidify my identity as a victim of abuse in many forms, financial XXXX being one of the many.

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 2021-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
My HIPPA rights have been violated. Wakefield and Associates sent me a validation of debt which included procedures and medications received without any HIPPA release form. I have not signed any HIPPA release form with Wakefield and Associates. In addition the personal medical information was seen by an unauthorized 3rd party who was unaware of any of the procedures that were performed. I have a copy of the statement sent and Wakefield and Associates should have a copy as well.

Company response to consumer: Closed with explanation