vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Two items from XXXX are currently in dispute with Capital One, XXXX and XXXX on XX/XX/XXXX. The orders were placed the same day, XX/XX/XXXX, shipped same day via USPS. Tracking number for order # XXXX in the amount of XXXX is XXXX, tracking showed left in parcel locker which I do not have one at my address. I have attempted to track this package today, XX/XX/XXXX, the information shows as " label created, not yet in system ''. Order # XXXX, XXXX showed same information, left in parcel locker, tracking number is XXXX. Tracking info as of today also shows same, " Label created, not yet in system ''. I attempted to provide this information to disputes team, however, they were closed when I called. As I have stated in dispute and again here, both packages were not received, left in a parcel locker in error by my mail carrier. I believe the dispute should be closed in my favor as there is no information to contradict my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/2017 from Santander auto finance. Through XXXX XXXX dealership the car is a lemon it is not or was not suitable to be sold. I contacted them to also let them know my contract was fraudulent as well since the car loan was for {$22000.00} and I put down {$10000.00} cash. 
Santander doesnt want to assist me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I sent a request for validation for the {$120.00} they claim I owe them, they received my initial letter on XX/XX/XXXX. They didnt reply in a timely matter. They sent a letter dated XX/XX/XXXX which I received a week after XX/XX/XXXX. The XXXX XXXX stamp on the envelope of the letter I received is dated XX/XX/XXXX and the envelope of the letter is stamped XX/XX/XXXX, both dates XX/XX/XXXX and XX/XX/XXXX are outside of the 30 days they have to respond. Also the didnt furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the CEO XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he choose not too.

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 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NY

Complaint narrative:
I have been disputing a debt with a company XXXX for over a year now. I had an account with them back in XX/XX/2014. I paid this debt in full back in the year of XX/XX/2014 in the amount of {$380.00}. Unbeknown to my knowlege about a year later I noticed on my credit report that it is reporting as a charge off to a bad debt. I would like to note that I directly contacted the company immediately and was told at first yes the debt is clear zero balance. I requested that it be corrected with the credit reporting companies as it is affecting my credit with false information. It was never removed. I again contacted them and was told the account was sold to Crown Assets. I contacted crown assets and was told that they have no record on file and that XXXX is no longer in business. I disputed this account with all 3 credit reporting companies and finally XXXX confirmed after there investigation that it is to be deleted off my credit report. ( which it was deleted ) however it is still reporting on XXXX and XXXX. I am fustrated that experian and XXXX is still reporting this. It is affecting my credit score. I paid this debt in full 4 years ago. Plus my biggest question is how XXXX was able to verify to delete it off my XXXX credit report because they have received confirmation but XXXX and XXXX did not receive the same response. It leads me to believe that XXXX and XXXX did not due a full investigation. I then contacted XXXX to see how they received there verification to delete the account and I was told that there was no response within the 30-45 day period they have to respond so by law it is automatically deleted. The rep also stated to me that it was confirmed that this company is no longer in business. I have been disputing this like I mentioned earlier for over a year now and they are still reporting it. I feel they are just updating the false information. I paid this bill in full 4 years ago and I planned on never ordering from them again anyway because there was nothing but problems with the item I had bought. ( It was a XXXX XXXX XXXX tablet ). The screen was cracked slightly and the tablet hardly works. ( I complained about it immediately and was told they would send me another tablet and I was to send back the damaged one ) They never sent me another tablet so I personally paid out of my pocket to replace the screen. Either way I received the merchandise and I paid for it. That company was beyond horrible and do not stand behind there products that's why I was never ordering from them again and probably why they went out of business. Having poor customer service like that will have you loose your customers. I want this account removed off my credit report. I am being penazlied for something that I paid for in full 4 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Greetings, Ive sent several faxes, emails, and postal service mailing to Wells Fargo requesting they correct incorrect information on my credit report. I was told that if I paid off my debt by a personal banker if I paid off my debt they would removal all late payments and show it as noting or as paid on time. This was said in the context that they were sending my statements to the wrong address and wasnt notifying me properly about a debt I owed them.

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 2018-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
This started out as I was told that my loan was approved and upon this approval they were to put the money into my checking account, I was suspicious but I had worked with a loan place before and this was their procedure and upon normal banking process as I checked to see if it was deposited and it was so I began use my debit card and I got notice that this check did not go thru and they retrieved monies from my account. I have been desperately seeking help and any solutions to this problem because now I am unable to open any checking accounts from all banking institutions. I am in need of a checking or savings in some way due my profession because to handle the amount of cash just puts me at risk for bad things that can result into me being trastically hurt. Please help or steer me in the right direction.

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 2018-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I took out a 30 year conventional mortgage with XXXX XXXX XXXX XXXX in XX/XX/XXXX. The mortgage is serviced by LoanCare of XXXX XXXXXXXX, Virginia. There is NO escrow account for this loan- I pay all property taxes myself separate from the mortgage. I have never paid any monthly mortgage payment to LoanCare late, not even by one day. I have never paid my property taxes late for the property that is the subject of my mortgage with LoanCare. 

The second installment of my XX/XX/XXXX-XX/XX/XXXX property taxes, owed to the XXXX XXXX, California property tax collectors office, was not due until XX/XX/XXXX. Again, I have never been late in the payment of any property tax payment. Nonetheless, in XX/XX/XXXX, LoanCare, without any authorization or right under the terms of my loan documents, claims it paid the second installment of my XX/XX/XXXX-XX/XX/XXXX property taxes two months early. LoanCare did this even though there is NO escrow account for this loan, and there was no default or late payment by me in the payment of any property tax due. LoanCare admits this payment was completely a mistake on its part. There is nothing in the terms of my loan documents that authorized or allowed LoanCare to make such payment. 

Now, more than two years later, LoanCare has created a fake negative escrow account balance ( there is no escrow account for this mortgage ) for its unauthorized and improper property tax payment, and is demanding that I reimburse LoanCare for such unauthorized property tax payment. There is nothing in the loan documents for this loan authorizing LoanCare either to have made this unauthorized payment in XX/XX/XXXX, or to demand reimbursement for it from me now in XX/XX/XXXX. There is no escrow account for this loan and there was no right by LoanCare to make a property tax payment on my behalf for a payment not then due and not late or in default by me. Any unauthorized, voluntary payment by LoanCare was solely at their peril and is not my legal or contractual responsibility any more than if LoanCare made, say, a car payment on my behalf or paid, say, my XXXX bill and then demanded reimbursement from me. 

LoanCare can point to nothing in my loan documents that gives them the right to obtain reimbursement from me for their unauthorized and improper property tax payment. LoanCare is  now threatening to increase my monthly mortgage payment as of XX/XX/XXXX for its unauthorized XX/XX/XXXX property tax payment.

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 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: VT

Complaint narrative:
I recently purchased a prepaid XXXX XXXX XXXX XXXX ( US BANK NATIONAL ASSOCIATION ) ( XXXX ) ( XXXX ) at XXXX XXXX Grocery store in XXXX, Utah an loaded {$50.00} onto card and was told no hidden cost or charges just the cost for the card. When I tried to buy an XXXX ticket over the Phone XXXX told me that the zip code that I had used XXXX for XXXX did not match the card so an incident was filed and the Vender, not XXXX but the company selling these XXXX Debit cards, XXXX charges me a 15 percent incident charge equaling {$7.00} off my {$50.00} debit card so that I could no longer purchase that {$50.00} XXXX Ticket. I had to use the remainder of the card to purchase another prepaid debit card but this time from another company and this time instead of buying ticket over the phone I purchased the ticket on XXXX 's website. This hidden cost was on a tiny piece of paper hidden and glued inside part of the paper folder the debit card came in. A card may say XXXX or XXXX Charge but is not actually put out by XXXX or XXXX charge and that is Fraud! Like buying a said to be XXXX product security program that actually is not from 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 2018-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
With XXXXBTC in my XXXX account, I requested an increase in my daily limit transfer so I could engage in arbitrage. My account was closed in early XX/XX/2018. I emailed them for a reason. They replied that I wasn't XXXX yet. I ( re ) submitted my identification docs to show that I am. They replied that the account was closed for other reasons, that they couldn't disclose. I have asked that my account be reopened but have gotten only emails in reply asking how satisfied I am with the resolution of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I rented an apartment 5 years ago, renewed my lease after a year and lost my job 3 months into my second lease. I couldn't afford the rent payments and had to move out. I was told i would owe rent until the apartment was re-leased to a new tenant. Well, 4 years later and i have NEVER received any billing statements or letters about the debt owed, yet my credit report is showing that i owe {$12000.00} to a company called R.S. Clark & Associates in reference to the apartment. I recently called and spoke to the account manager at the apartments and asked if she could tell me when the apartment was leased after i left ... she couldn't. I asked her for any info in reference to my account ... she couldn't. She was the 3rd or 4th account manager in 4 years and referred me to the collection agency, RS Clark for the documents and information i was requesting because she didn't have it. I called RS Clark and asked for the same info. That account manager referred me back to the account manager at the apartment complex. I informed her that they sent me to her. I also let her know that in 4 years i have never received any information, billing statements, letters, etc about the debt yet it's on my credit repory and NO ONE can show me proof of the debt that i supposedly owe. 
That was 3 weeks ago and even after i updated my address with RS Clark i STILL HAVE'NT received any info on this debt! What they did do was update my credit report with a missed payment but how?!? I was bullied into paying {$6000.00}, ( half of the XXXX ), which i didn't pay because i requested documentation to show a breakdown of the amount and still haven't received anything so how did i miss a payment? And how are they just now reporting ONE missed payment in 4 years?! 
Please help me because without proof of the debt, the detailed account breakdown, no letters in 4 years and neither the apartment account manager or collection account manager knowing anything, I'm disputing the debt and want it removed from my credit report asap!

I've tried on my own but have yet to get any help and it's affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: Early Warning Services, LLC
State: MI

Complaint narrative:
Early Warning is reporting my open active accounts with XXXX XXXX XXXX. Ifeel it I violation since they report my direct deposit information an d open active saving accounts. They are reporting purged and closed account that can not be verified or proved. They are reporting repeats of my open active account with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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:
There are many mistakes appear in my report without my understanding.

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 2018-03-12 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: EQUIFAX, INC.
State: MS

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: MS

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-03-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: TN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-03-12 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-03-12 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: ID

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-03-12 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: VA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Called Nationstar mortgage back in XX/XX/XXXX to do a payment plan due to financial situation I was told as long I am on a plan paid on time no problem..Hurricane Irma hit so I called to check on my status the young lady that took my payment charge me a process fee which made my acct negative reversed my payment in XX/XX/XXXX which messed me up. When I called now NSM now Mr. Cooper the customer service rep called my bank which did confirmed I had the exact amount but unfortunately I did not have the additional service fee that was charged that is why I was charged a NSF fee which declined my payment. Mr. Cooper representative stated I was not supposed to be charged the amount the bank due to their error they reversed the amount and took the payment right than there. Since the hurricane they were offering assistance I was told I am eligible since I live in Florida how much can I pay I told her {$500.00} she said we can do it for 6 mo I said up to XX/XX/XXXX would be fine. I called to make my XX/XX/XXXX payment the rep stated you owe XXXX I was astonished I was not told he indicated that the investor can not put any payment behind the loan. I told him you did not say that when I made the payments before well maam I am sorry to informed you that is what the investors are needed at the moment. When you offer a payment plan or some sort this information should have been told to me in the beginning stating that ok you will have to do a lump sum I lost three vehicles during the storm from flooding that is not fair that you are trying to charge this should of been disclosed. He indicated this was a trial policy was not put into place I need this resolved and I was told oh by the way since you did not make payment on time in XX/XX/XXXX you was not eligible for modification program excuse me that was due to your error. I need answers please somethings need to be done.

Company response to consumer: Closed with explanation