vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2021 I called XXXX from the number on the back of my bill to inquire about the cost of cable. I spoke to a XXXX in customer service. I could not afford any of the quotes he gave me so he told me about XXXX XXXX that XXXX is in partnership with. They sell and bill for XXXX XXXX at {$65.00} per month. I said I would try it. He then said he would send me a link to set it up. I got the link and clicked on it. I hit a snag when it requested me to put in a code that they texted me. It did not work so I called the number on the setup page that said for technical assistance, call XXXX. A man answered the phone XXXX XXXX technical assistance, how may I help you. I told him what happened and he said he would walk me through the setup process. He said his name was XXXX and was located in Texas. He got the setup done and told me I had to send in {$1.00} activation fee ( which is stated on the website ) so I went into my bank account and as I started to ask where am I sending it to, I saw my bank account get wiped out during three consecutive withdrawals. I said hey where did my money go?, he was gone! After that, I got a text from my bank XXXX XXXX XXXX asking if I approved those three withdrawals, I pressed N for no and saw that it went to Y for yes. I pressed N again and again it went to Y. Then I got a text from my bank saying Hello, its XXXX Fraud Prevention, did you just use your card ending in # # # # for {$530.00} from XXXX XXXX? I told them I did not authorize the transaction and I then I received a text message that said It is important we talk to you. Call the number on the back of your card. I then called and put in a fraud report with XXXX. As of XX/XX/2021, I have not heard back from XXXX. On Friday XX/XX/2021 I went into the physical branch of XXXX to get a letter I needed. I was telling the man what happened and he called the Fraud Dept and they told him my claim had been denied because they said I had authorized the withdrawals. I sat in that bank and cried my eyes out as I was now out my entire savings and XXXX was not accepting my claim. My whole life savings was now gone. I am a senior citizen living on Social Security. I had just received my Social Security payment and that was gone also. I am now left with {$0.00} and can not pay my rent for the month of XXXX and can not pay my utilities or any other bills. I called every resource agency in my area to get rent help but have gotten nowhere there either. 

Note : I reported this scam to my local police department, XXXX, XXXX XXXX and XXXX through phone calls and emails.

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 2021-05-16 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: FL

Complaint narrative:
This loan was cancelled via a provision in the Think Finance Class Action settlement agreement. Additionally, I received a check in the amount of {$16.00} to cover excess interest that had been charged. That said, the amount was so insignificant I forgot about it. The check was misplaced and I was unable to cash it before it went stale. However, I've since located the check and it is included here as proof of my membership in the " class '' and proof of loan forgiveness. I've shared this information with the creditor, XXXX XXXX, and the credit bureau, Transunion, in numerous attempts to have the information deleted - all to no avail. The willful error has cost me time and money and has been a hindrance to mortgage acquisition during the pandemic. I've lost numerous opportunities to realize the American dream of home ownership due to the willfully erroneous reporting. Enclosed please find 1 ) the settlement check from the Settlement Administrator, 2 ) the loan forgiveness provision contained in the court approved Settlement Agreement, 3 ) communication between myself and a XXXX XXXX representative.

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 2021-05-16 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$9800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, XXXX and XXXX continue to report fraudulent info on my credit report. According to the FCRA i have the right to dispute incomplete and inaccurate information. i never gave consent to any consumer reporting agency to furnish my information. No consent by law is identity theft. According to usc 1681 ( b ) a consumer can only furnish something in accordance with the written instruction of the consumer to whom it relates. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/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 2021-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
Arbor Professional solution has placed this collection account on my credit report for XXXX this is a billing error. They have failed to provide me copies of validation I have sent multiple validation request to this company. That is viable evidence bearing my signature that i ever owed Arbor Professional Solution. This account is not accurate and should have not been placed on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: EQUIFAX, INC.
State: NV

Complaint narrative:
AAIn 2018 I contacted all of the major credit reporting agencies about a collection account that was added to my credit report that violates the FCRA. XXXX XXXX XXXX did not contact me regarding this collection account prior to submitting to the credit report agencies and that is a violation of my consumer rights. I submitted documentation to have this account verified and removed and it was removed from credit report in 2018. This same account has reappeared and again, this account was not verified and this collection agency did not contact me prior to submitting it to the collection agencies. Also, this collection agency is not licensed to collect in the state of Nevada according the Secretary of State for Nevada.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Called New Rez on XX/XX/2021 because we are now trying to refinance with another lender because they have drug out this process with them for over a year. I called them because XXXX Bank escrow loan officer said our property taxes have not been paid ( last two installments ), and we needed to find out why. New Rez said they had put a freeze on those monies because we in refinance with them??? I told XXXX XXXX we don't want to refinance with you and have told you so in emails and voicemails, because I can never talk to a live person!!! And that they needed to release those funds and they were responsible for any and all late fees because that is included in our monthly payments to them. I called them back after checking with XXXX XXXX on XX/XX/2021, and property taxes are still not paid. XXXX XXXX from New Rez said they will be paid by XX/XX/2021. I just checked our online statement and they are not paid. The county said if not paid by XX/XX/2021 our home will go into forebearance???? This is New Rez 's legal obligation to pay our property taxes on time, as we pay them in Good Faith to entrust them to pay our property taxes on time!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: CL Holdings LLC
State: NV

Complaint narrative:
AAIn 2018 I contacted all of the major credit reporting agencies about a collection account that was added to my credit report that violates the FCRA. Jefferson Capitol Syst did not contact me regarding this collection account prior to submitting to the credit report agencies and that is a violation of my consumer rights. I submitted documentation to have this account verified and removed and it was removed from credit report in 2018. This same account has reappeared and again, this account was not verified and this collection agency did not contact me prior to submitting it to the collection agencies. Also, this collection agency is not licensed to collect in the state of Nevada according the Secretary of State for Nevada.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax, and XXXX continue to report fraudulent info on my credit report. According to the FCRA i have the right to dispute incomplete and inaccurate information. i never gave consent to any consumer reporting agency to furnish my information. No consent by law is identity theft. According to usc 1681 ( b ) a consumer can only furnish something in accordance with the written instruction of the consumer to whom it relates. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX, and Experian continue to report fraudulent info on my credit report. According to the FCRA i have the right to dispute incomplete and inaccurate information. i never gave consent to any consumer reporting agency to furnish my information. No consent by law is identity theft. According to usc 1681 ( b ) a consumer can only furnish something in accordance with the written instruction of the consumer to whom it relates. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-05-16 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: MO

Complaint narrative:
transunion has a debt buyer account that is loaded with incorrect amounts and dates and I have disputed 3 times and they lie and tell me its verified. This account shows last payment made being XX/XX/2017 then you look in the payment history ( which is correct ) shows last payment being OK was XX/XX/2017 but the payment that was made shows {$0.00} for the amount. It was paid in full and closed. It was never a charge off. 

It shows purchased by another lender. But on the report the lender does not show who owns it. So the transunion employee give me a name and I call that debt buyer and they tell me they do not own that account and i cant get any one to tell me who owns it,. 

So my main question is this ... if the company that transunion gave me as being the new owner does not own the account anymore, who is verifying the account as accurate? This is where the lies are told. no one is verifying this because as of this day the last owner known to Transunion no longer owns it so i caught transunion in a lie. It shows I paid it off in full as a charge off paid in full. NOT SO. it was paid in XX/XX/2017 and it shows in the pmt history. Up at the top in the summery it says XX/XX/2017 last payment made {$0.00} This needs to be removed.

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 2021-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX XXXX Wayfair charged me late fees, {$29.00} on XX/XX/XXXX & {$40.00} on XX/XX/XXXX. I spoke with customer service and they agreed I was not late and they agreed to refund my late fees. I had never been late before. The late fees remain on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: AZ

Complaint narrative:
I closed this account and was told everything was resolved on XX/XX/2021. I was told that I wouldn't receive a bill. This is now reporting to the credit bureau that this account is delinquent. This account should have never reported to the burearus because this account was never opened. I submitted the deposit and they never sent the card. Then I finally got approved almost a month later. By that time I had called the bank to report it as fraud. I received the card and I was told that the card couldn't be used because there was no money on the card. I told them to make sure to close it and I was told that it would be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I originally obtained a mortgage thru XXXX XXXX XXXX, XXXX  on XX/XX/XXXX, which was subsequently transferred to XXXX XXXX XXXX XXXX XXXX  and serviced by Rushmore Loan Management Services LLC on XX/XX/XXXX. During the height of the pandemic towards the end of XXXX I requested an extension to the loan maturity and was denied. The loan was refinanced on XX/XX/XXXX by XXXX XXXX XXXX I. Based on a payoff statement by Rushmore Loan Management Services LLC on XXXX XXXX in the amount of {$280000.00} I received a robo call approximately a month later from Rushmore Loan Management Services LLC. When I called back to inquire as to the nature of the call the representative informed me that the payoff was not met and the monies had been sent back to XXXX XXXX XXXX I., because they had ran a new payoff statement and the funds was short {$2000.00}. This was not communicated to me or the title company prior to closing and the difference in charges was referred to a additional fee we discovered after the fact, when I had the conversation with the company 's representative in mid XXXX. I questioned the additional fees and was given no explanation now the bank has filled foreclosure against me adding an additional charges for the sum total in the amount of {$290000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have filled a dispute for the incorrect items on my credit report. it has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I contacted Nissan ( NMAA ) in regards to my lease. Nissan sent my registration for my lease by mail on XX/XX/21 and did not arrive to my home until XX/XX/21. The registration on my lease had already expired. Due to Nissan mailing it late, I incurred an additional fee at the DVM. I contacted on XX/XX/21 to file a complaint at Nissan and was told I would receive a call back. XX/XX/21 I called Nissan back to follow up why I didnt receive a call back since it was unfair I was charged an additional fee to pay online to the DMV. Nissan told me they do not do anything with complaints and told me oh well the additional fee they caused due to sending the registration late they would not do anything about and my problem. The representatives at Nissan not only dis not take a complaint seriously, but didnt care I had to pay more in registration cost. I was promised again for a second time a supervisor would call me back on XX/XX/21 which never happened. I fee discriminated and completely unacceptable that I paid an additional fee to the DMV for my registration due to Nissan not caring any causing me harm. I would like someone to look into this matter since I am getting nowhere with Nissan and no one cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is responsible for violating multiple of my rights according to the FDCPA. I have sent Portfolio Recovery a notarized Affidavit of Truth with documented proof of their violations according to the FDCPA. According to 15 USC 1692B and 15 USC 1692F this company has repeatedly violated me and I am well within my legal rights to sue this company due to their repeated refusal to comply with the Federal laws they are obligated to abide by. After sending my Affidavit I received another phone call from an agent of this company attempting to collect this alleged debt, which is another violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2021 I called chase and told them multiple times I cancelled automatic payments on XX/XX/2021 with the merchant XXXX. Since then I have received no correspondence. I realized Chase sent me a letter 4 days after it was due, however I gave chase the information they needed to assist with my dispute. They credited me for 1 transactions and in total have gone through, in addition to OD fees they have not addressed. 

I also had another claim involving being overcharged by food merchants and Chase temporarily credited my account and without warning or explanation reversed the {$15.00} and change they credited. No one has called to ask about the disputes or gain more information. 

They have continued to allow an XXXX  refreshment charge that was also cancelled for {$5.00}. 

Chase has the worst customer service. I feel like I can only come here now to get resolution on cases or issues I am having with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paradigm Assets, LLC
State: GA

Complaint narrative:
On XX/XX/21 I submitted a complaint regarding JHPDE and the reporting of information due to me being impacted on my credit reports. I was a victim of identity theft. I accept their response and I look forward to them clearing it up I appreciate that. The only thing is their response didn't include them stating that they will have the negative information deleted from from my credit reports. 

CFPB XXXX Can they please advise the removal from my credit reports as well. If it's what they meant with the reply to stop the collection etc ... can the please advise? 


They have reviewed my my previous documents and agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citi bank has my account on restricted. Its been since XX/XX/2021. I CANT access my money. They keep saying under review.

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 2021-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: NV

Complaint narrative:
I did not recieve any medical attention in the year 2018. This debt does not elong to me nor would it reflect my actual medical records

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