vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened a Checking and Savings account with Santander bank in the beginning of XX/XX/2016. I ordered several books of checks through the bank for {$17.00} when I opened the account. About a week later I got materials from the bank associated with my new accounts in the mail : a welcome package, a debit card, and the books of checks. They misprinted my name on all of these documents by including my name 's suffix before, not after, my last name. For example, XXXX XXXX XXXX instead of XXXX XXXX XXXX . 

I could not use the checks I received because they did not legally have my name on them. I emailed Santander about the misprinted checks. After a few days of no answer I bought checks from a third party. A few days later they replied : " You may return a box of checks that you ordered through Santander Bank to any conveniently located branch. If all of the checks are unused, you will receive a full refund of the amount you paid towards the cost of the checks. '' I had already called Santander 's customer service department and talked with them a representative who fixed my name in their system and sent me a new debit card which had my correct name. So the only thing left to do was return the checks to my local branch which I did. I handed over the checks and talked with one of the employees about my {$17.00} refund who said that he would talk with the representative who opened my account and get me my refund. 

After a few weeks of not seeing a refund in my account I emailed the representative who opened my account, no response. I emailed again few months later and no response. I still have n't been reimbursed for my checks.

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 2017-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion has been deleting inquiries off my report due to errors and then reinserting these inquiries without legal notifying me of what they have done. I called their customer service number to have all these inquiries removed via section 611 of FCRA about having to be notified within 5 days of any changes to my report but they would not listen to me even though I was telling them I was a victim of their inquiry issue. I want all these inquiries removed. These are the inquiries and dates below. 1 XXXX XXXX XXXX/XXXX/XXXX 2 XXXX XXXX/XXXX/XXXX 3. XXXX/XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 6. XXXX/XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX/XXXX/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 explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Today is XXXX XXXX. This has been a long process and I have a very nice representative help me a least get access back to online backing for my personal card. I hate to write this because I love Capital One but this is a security issue. 

I have a Spark Business Capital One checking and savings account through Capital One. I also have a personal Capital One Venture Credit Card through them. I had separate login for the personal Venture Credit Card from my Spark Business account. I had an issue with the Venture online login and called and they said they now are linking all Capital One accounts whether they are business or personal - their team said they would un-enroll me then I can re-enroll to have my own login for my personal account and my business account. I tried to re-enroll for online access and it would not let me sign up. I called back and the rep said he would look into this and call me back. That was a week ago. So tonight I called and spoke with a nice lady, I was on the phone for 1.5 hours before I was able to access my personal Venture account again.

Time after time, I was told that I would have one login for my business and personal accounts with Capital One. THIS IS A SECURITY ISSUE for I have employees who have access to my business account for bookkeeping and accounting reasons - AND NOW THEY HAVE ACCESS TO MY PERSONAL ACCOUNT. Every time, I was told this is what customers requested and there is no way around it. You have one login for all accounts whether they are personal or business related.

So this nice lady, finally helped me get re-enrolled for my personal Venture Capital One card. She helped me have the username I wanted. We get off the phone, I go and try to log into my business Spark Capital One card and now the business username I previously had does n't work. It is now the same login as my personal Venture Capital One online banking.

THIS IS A SECURITY THREAT FOR NOW MY EMPLOYEES FOR MY BUSINESS HAVE THE LOGIN INFORMATION FOR MY PERSONAL FINANCES. CAPITAL ONE MAKES IT KNOWN TO ANYONE THAT THEY ARE HAVING ONE LOGIN FOR ALL ACCOUNTS. They say there is not other way to have separate logins.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi applied for credit card line increase on XXXX XXXX. XXXX and few days.. on XXXX the XXXX was denied for credit line increase due to one payment was returned from my bank account XXXX XXXX XXXX XXXX XXXX in the amount of XXXX i called Capitol one and ask them to removed this bank account information around the first week of XXXX and i use another bank information ( XXXX XXXX ) to make the payment again and it went through with no errors and i continue to make my payments in the month of XXXX XXXX and XXXX and finally XXXX XXXX with no payments returned or errors i called capitol one today on XXXX XXXX, XXXX central time around XXXX and i spoke to the supervisor and he told me he does n't have control of the credit line increase and i have to reapply anytime or wait 3-6 months and i asked him can i talk to credit dept or any dept that handles credit he told me that capitol one does n't have a credit dept or a complaint dept and was rude to me and refused to help me i have been making my monthly payments on time with no error and i can hear the supervisor on the background saying negative things about me and forgot to put me on hold i want to filed a possible discrimination against this company and i would like a credit line increased

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX began reporting a debt they had acquired on my credit report without following section 806 of the fdcpa. I have disputed it on the grounds outlined by the FDCPA that I was not notified within the first 5 or 30 days of reporting but to no avail. It is currently being disputed by XXXX 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 explanation
Consumer complaint received 2017-12-02 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 contacted Equifax XXXX XXXX, and XXXX XXXX and XXXX XXXX, and XXXX and XXXX XXXX all of which had disputes filed paperwork submitted proof shown where I had paid the company in full XXXX Equifax stated they could not see where I did. also another dispute they was not closing that was opened on my account was XXXX XXXX it was opened in XXXX I was born XXXX XXXX how that is possible is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: MA

Complaint narrative:
I make my mortgage payments automatically every month from my bank account. My regularly scheduled payment went out on XXXX XXXX 2017 as usual. However the company has failed to apply it to my account. So they continue to send me notices that I have missed my payment. I have sent them an image of the processed check - cashed by them - plus the activity statement from my account showing the payment. I have sent this information more than once and my account is still not reflecting the payment. Meanwhile they are escalating payment collections. When I sent an inquiry via email I did get a response asking me to fax the information, However, after multiple tries at faxing, their machine is always busy and I can not send my information. So i have sent it to their customer service email multiple times. I asked for the situation to be escalated but i do n't think this has happened. This is actually the second time this has occurred with this company, The first time, one email with the processed check image was sufficient. 

Copies of the information that I have sent are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc.
State: NY

Complaint narrative:
Merchants and Medical Credit began reporting on a debt they had acquired on XXXX XXXX 2014 and never sent written notice despite it being required under section 806 of the FDCPA. For 3 years they have been holding my financial life hostage and only recently came to my attention. Despite many disputes with the big three credit reporting agencies section 806 has been ignored and they have continued to break and ignore the proper procedures set forth by the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Hello, Im XXXX XXXX and Im having issues with American Express. On XXXX XXXX, XXXX I noticed fraud on my credit card. I contacted American Express to report the fraud of XXXX and the started their investigation. About XXXX weeks later I received a check and letter for XXXX and they said theyve investigated the fraud and they refunded me with a check for the full amount. 

Well one year later they said my soon to be ex wife contacted American Express saying the charges were valid which I find funny because she received half of the money. 

My wife did this just to get back at me knowing the card was in my name and it would go on my credit. Because of the fraud I got a new card and stopped using American Express because of the fraud. 

I read online that American Express has 90 days or two billing cycles to resolve the issue or remove it. Well they did resolve it with the check they sent me in XXXX of XXXX and all the fraud was resolved on that date. 

Im hoping you can help me with this because being XXXX I feel there not following the law and theyre taking advantage of me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: Motolease, LLC
State: AZ

Complaint narrative:
Motolease falsely reports accounts as derogatory/in collections for parties that never made a late payment and paid account off in full.

I had leased a motorcycle with Motolease. A year later my motorcycle was totaled by a falling tree. I immediately contacted the agency and made them aware of the situation. I maintained communication with the agency regularly as the insurance companies were working on paying off the remaining balance. A month and a half afterwards, I had received a call being told I was delinquent in my payments. I never made a late payment, the money was extracted directly from my account and the funds were always available. I explained my situation of a totaled motorcycle and how I was waiting on the insurance companies to pay off the balance. Despite how many times I repeatedly explained my situation, I was repeatedly asked why I should be treated any differently than others that can't make their payments. The conversation eventually became so frustrating I had to hang up and call back someone else. Eventually, I did manage to get someone to put my account on hold until the insurance companies could finish processing the claim. I didn't understand how there was any confusion with the account. I had provided Motolease with documentation and questions from the insurance companies from within the first week of the accident. After the insurance companies payed off the balance in full, I noticed that Motolease had reported my account to the credit bureaus as derogatory/in collections, with late payments. I contacted Motolease and had to get a higher level supervisor because I was having problems with other employees that were insisting my account was reported accurately. After speaking with the supervisor, I was told it would be corrected and reported as paid off with no late payments. A month and a half later, it reflected on my credit report as I was told, my account was now in a good status. The following month, just last week, Motolease reported my status back to derogatory/in collections. My experience with MotoleasXXXX has been horrendous, especially if I was to provide more detail. I seriously need someone to get this agency to correct things and quit harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I qualified for a loan forgiveness program in XXXX and my loan was forgiven and deleted from my credit report. In XXXX, I filed my taxes and they were intercepted for and outstanding student loan. This is the same loan that was supposed to be forgiven. I filed and appeal, I tried to contact the company. But I have yet to get a straight answer. There was one rep that said they started a new computer system and the old system that would have record of my loan being dismissed is now obsolete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: AZ

Complaint narrative:
XXXX falsely reports accounts as derogatory/in collections for parties that never made a late payment and paid account off in full. 

I had leased a motorcycle with XXXX. A year later my motorcycle was totaled by a falling tree. I immediately contacted the agency and made them aware of the situation. I maintained communication with the agency regularly as the insurance companies were working on paying off the remaining balance. A month and a half afterwards, I had received a call being told I was delinquent in my payments. I never made a late payment, the money was extracted directly from my account and the funds were always available. I explained my situation of a totaled motorcycle and how I was waiting on the insurance companies to pay off the balance. Despite how many times I repeatedly explained my situation, I was repeatedly asked why I should be treated any differently than others that ca n't make their payments. The conversation eventually became so frustrating I had to hang up and call back someone else. Eventually, I did manage to get someone to put my account on hold until the insurance companies could finish processing the claim. I did n't understand how there was any confusion with the account. I had provided XXXX with documentation and questions from the insurance companies from within the first week of the accident. After the insurance companies payed off the balance in full, I noticed that XXXX had reported my account to the credit bureaus as derogatory/in collections, with late payments. I contacted XXXX and had to get a higher level supervisor because I was having problems with other employees that were insisting my account was reported accurately. After speaking with the supervisor, I was told it would be corrected and reported as paid off with no late payments. A month and a half later, it reflected on my credit report as I was told, my account was now in a good status. The following month, just last week, XXXX reported my status back to derogatory/in collections. My experience with XXXX has been horrendous, especially if I was to provide more detail. I seriously need someone to get this agency to correct things and quit harassing me.

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 2017-12-02 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
My issues with the former XXXX XXXX-current Navient goes back to XXXX after I graduated. My repayments began in XXXX and I always paid on time through my online bill pay banking. In XXXX, I checked online and was shocked by all the late charges and extra interest notations. I counted 48 charges! I called and at first they were not sure what was going on but finally figured out that because I had 4 loans my payments were allocating each month to one loan, missing the other 3. Such a mess but they reassured me they would get it fixed and then reorganized my loans to take the payments correctly. While I had them on the phone I asked about the teacher loan forgiveness program and the PSLF and was given directions to access the applications/info online. It would have been nice if they had told me right then that I needed to convert my loans to qualify for the PSLF! In XXXX, I went ahead and completed the PSLF application as I thought I was around two years within the 120 payment requirement but like many, I was denied for having the wrong type of loans. I called Navient and they apologized and eagerly encouraged me to go ahead and convert my loans over anyway ( to a higher interest rate ) and just start the process over. I didnt do it as my payoff would be close to 10 years anyway so it wouldnt be worth it. I asked if there was anything else I could do or apply for and was told I could extend my loans or a forbarence. After all this I went back through my account history and they have still charged me random late fees when they have been paid on time! Anyone who has these guys, especially long term, need to go ALL the way back through their account history and check it carefully. Extreamly frustrated and disappointed with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I sent a validation letter on XX/XX/XXXX to Santander USA. They were unable to provide proof of validation. On XX/XX/XXXX I called XXXX XXXX which was the creditors that the so called charged off account of 2 or more years was sold to with a balance. How was this possible? I called Santander Consumer USA on XX/XX/XXXX as well and asked the representative and had questions about the carry-on of this debt and how was it validated and how was it sold if it was in question allegedly charged off? She could not provide me with any information of accuracy ( address or phone numbers ) on this account. I was immediately transferred to a supervisor even though I did not ask for one. Once I spoke with the supervisor she also did not provide me with the information either on any of these reporting or findings could be proved. Was in a hurry to get me off the phone when I was asking questions about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I pulled my credit report about four months ago and I noticed it was a collection on there from Commonwealth Financial Systems , Inc . I had never heard of this before and they did not send me a letter in the mail about about this debt. 
I have written to Common Wealth Financial Systems, Inc three times since about XXXX 2017 asking for Validation of this Debt and a HIPPA Authorization. I also asked them to please do the following : - To please provide a breakdown of fees including any collection costs and medical charges - To provide a copy of my signature with the provider of service to release my medical information to you - To Cease any credit bureau reporting until debt has been validated by me.

Company response to consumer: Closed with explanation