vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-09 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: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
I took out a loan with Santander to purchase a vehicle in 2008.I recently ordered all three reports and noticed they were reporting to that i had a number of late payments .I contacted Santander in regards to this matter because I after the vehicle was paid in full I received a letter and a refund stating the refund was in regards to them reviewing my account and the refund was for late fees and was assured they would correct with reporting agencies. All I also disputed the late payments in XXXX without any luck.I feel they are reporting falsely to the credit agencies and I have no luck trying to resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is NOT reporting a real estate account from XXXX XXXX XXXX XXXX, # account # XXXX. This account is 25 years old ; opened in XX/XX/1993 ; Highest Credit {$93000.00} ; current balance approximately {$32000.00}.

After speaking with XXXX XXXX XXXX XXXX, they say they report to EQUIFAX every month, but this account is not listed on my credit file. The monthly bill is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Miller, Stark, Klein and Associates
State: TN

Complaint narrative:
XXXX card paid off in XXXX was sold years later to 3rd party claiming not paid off. Sent in papers proving this to all parties including credit reporting agencies. The debt was removed in XXXX by all bureaus after a thorough investigation, multiple faxes showing a letter from XXXX stating it was paid in full including attorney letter that we got involved. Now last few months, I and my wife 's phone are getting different 3rd party threatening phone calls with no paperwork mailed to me, no notices  whatsoever, just fake phone numbers that appear to be local, but are actually XXXX numbers. The latest was from MSK and Associates XXXX but the number showed up on my caller id as XXXX from XXXX Tn.We lost paperwork in the Hurricane Harvey, but proof is listed on all credit bureaus and with previous third party companies that I faxed all our papers to. So tired of these harassing companies illegally selling and passing our information from place to place on old, paid off, out of statutes of TN debt collecting laws. Please stop them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/18, I inquired about an additional {$700.00} balance on my loan and was told it was from accruing interest from deferring 3 payments over the life of the loan. I understood the deferments would extend the loan by 3 months, but now there is additional interest ; 2 additional loan payments worth. This was never explained nor agreed to by myself. The representative would not clearly answer my question regarding the amount. I spoke to a financial adviser who listened in to the phone call and informed me, by Wells Fargo 's daily interest amount, the additional interest should only be {$76.00}. The representative continually avoided my question and request for clarification. I feel this is unjust practices and that they are trying to gain addition financial income from my payments.

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 2018-11-09 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: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
XXXX is NOT reporting a real estate account from Union Bank & Trust, # account # XXXX. This account is 25 years old ; opened inXX/XX/1993 ; Highest Credit {$93000.00} ; current balance approximately {$32000.00}. 

After speaking with Union Bank & Trust, they say they report to XX/XX/XXXXevery month, but this account is not listed on my credit file. The monthly bill is attached.

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 2018-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
By the Grace of XXXX, I ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement with XXXX XXXX XXXX. Police report and FTC report enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Fay Servicing has continued to ignore my written and verbal requests for my mother 's XXXX impound refund. This should have been returned when I brought her loan current when she passed away. I am the executor. The loan was brought current in XXXX I believe and was paid off XX/XX/2018. The title company gave them the forwarding address for the check and I personally called them. The person on the phone said he was sending it to XXXX XXXX. I explained that they had paperwork from a year ago that says my mother does not employ them. They assured me I would be sent the check. Its been over a month and I have called many times they said they sent the check to XXXX XXXX. XXXX XXXX who is a legal firm says they do not have it. Fay Servicing is once again withholding money which is due my mother 's estate. There is also a XXXX amount that was on the payoff statement that said refundable and they will not give me any explanation. This lender feels like they can ignore individuals and they answer you with some random untruth and its settled. I go to court with them in XXXX over the 26k, but want the impound account back of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I contacted Coinbase on XX/XX/2018about my account being hacked and all my virtual currency transferred out. This was by phone. I was told they couldn't do anything as virtual currency isn't covered by their insurance. I also had money withdrawn from my linked checking accounts. The agent who helped me told me to send an email with more details and they would get a specialist to investigate. 

On XX/XX/XXXX coinbase finally responded back asking if this was resolved which it wasn't. 

On XX/XX/XXXX coinbase sent an email saying my account was closed. I ask about my transaction records etc for Taxes as I don't want to be liable for the transactions. 

On XX/XX/XXXX I get a response back saying a specialist would investigate. 

On XX/XX/XXXX I get a specialist response asking more details on what happened but no records. 

On XX/XX/XXXX I get an email saying suspicious activity was detected on my account and withdrawals would be 14 days. I still can't access my account. 

My PC was compromised by malware. I also use the XXXX exchange and they have better security measures in place. Both had 2 factor running. I unfortunately had the keys saved in my dropbox. After the initial login from my compromised PC coinbase still allowed IPs from different locations ( even out of the country ) to access my account where XXXX did not. XXXX also flagged the transactions as they weren't typical for my actions and coinbase did not. Point being the hackers tried XXXX but didn't succeed where as coinbase didn't even seem to flag anything. 

I've had my account with coinbase for years and nothing like this has ever happened. I put my trust in coinbase to help protect my virtual currency and they should at least be possibly responsible for lack of security. They convince their consumers that they are as secure as a bank which is false. I had to actually go to my bank to reverse the checking transactions to coinbase as they didn't do anything on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XXXX / XXXX / XXXX / XXXX / XX/XX/2018, I am not sure how this happened, I believe I made my payments to you on time when I received my statements, My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: GA

Complaint narrative:
I made a payment in full for my outstanding balance due XX/XX/2018 on XX/XX/2018. I made a payment in full for my outstanding balance due to XX/XX/2018 on XX/XX/2018. Each time my balance came to {$0.00} after submitting my payments. Each time my payments were processed well before the due date. 

This morning, XX/XX/2018, I checked my account to discover a balance of {$20.00}, {$10.00} of which marked past due. 
I immediately contacted Navient customer support, who could not identify what happened short of my overpayments were not processed toward the outstanding balance. I made overpayments *in addition to* paying my full monthly balance on time every month. The agent told me she would reallocate funds from a previous overpayment to abolish the overdue charge, but she did not specify from which overpayment she would shuffle the money. I made it clear not to take it from the loan I paid off in full on XX/XX/2018, so now I am waiting to see if that decision was honored. 
The agent guessed this happened as a result of my IDR plan, for which I had been required to reapply for my XXXX payment and which was processed on XX/XX/2018. There was no answer as to why an overdue charge was posted to my account for my XXXX bill ( as well as an additional {$10.00} for my XXXX bill ) the  morning after I had payed my balance in full through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have contacted this company numerous times regarding a fraudulent debt. A police report number was given and also a notarized identity theft statement sent. 

In a good faith effort to resolve this matter amicably, I restated my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter or an I.P address if this contract or application was done through the internet. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with this company, nor am I a customer, nor have I entered into a contract with them, I have asked for the following information : Evidence for authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company has failed to provide evidence or proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

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 2018-11-09 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: OH

Complaint narrative:
I have a student loan account that was included in my bankruptcy in XX/XX/2016.XXXX XXXX correctly removed reported the account closed and removed the balance from my credit report.Equifax did a so called investigation and improperly listed the amount as owed.They didn't correct or remove the information and dropped my score by 15 points for filing a dispute..their Equifay confirmation number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYCORP
State: NE

Complaint narrative:
On XX/XX/XXXX I sent a check in the amount of {$5400.00} to Key Bank to pay off me car loan and to send me my title forthwith. Attached was a note explaining the purpose of the check together with my name, phone number. address and account number.It was sent priority mail.Address was provided by a Key Bank employee. 
XX/XX/XXXX I checked my checking account and saw that the check was cashed by Key Bank on XX/XX/XXXX. 
XX/XX/XXXX I called Key Bank to ask what the holdup was. I was told that they never rec 'd the check and I needed to send proof that they cashed the check. I faxed a copy of the cashed check ( front and back ) to a Fax Number provided by a Key Bank employee.When I called to verify that the info was received.They couldn't find it and told me I was given the wrong Fax #. I was given a different Fax #. I sent it again. I was unable, via various phone calls, to verify the receipt until XX/XX/XXXX when I was told I needed to send in a copy of the Bill of Sale.I faxed it the same day. 
XX/XX/XXXX I received a call from a supervisor ( XXXX ) that a " refund check was mailed to me on XX/XX/XXXX in the amount of {$5400.00}. Which I never received and I told her so No action was taken by the Bank even though they had all the information to apply the payment to my account.She told me that I am required to sign an indemnity agreement to hold the Bank harmless in order to apply money to my account.and she would e-mail it to me. 
XX/XX/XXXX I received the " refund check '' which was postmarked the XX/XX/XXXX!!! 
I contacted an attorney who advised me not to sign the agreement. 
XX/XX/XXXX we called the supervisor to request to be able to talk to her Boss.After extensive discussion back and forth we were connected to XXXX ( Executive Branch - admin. asst ). He did not help other than he promised to research the issue and contact us within 24-48 hours. 
On the same day I received threatening calls from Key Bank - That I was behind in my payment and need to send in money. I received several calls. 
XX/XX/XXXX I received a call from XXXX XXXX who stated she was the case manager and she needed more time to research the issue. 
Additional notes : This process has dragged on for a month without any results whatsoever, It is very stressful and frustrating. This issue is slandering my credit rating and impacting my health due to the extreme incompetency of the Bank employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: HEARTLAND PAYMENT SYSTEMS INC
State: NE

Complaint narrative:
My loans transferred from XXXX XXXX to XXXX XXXX. I have made timely recurring payments to XXXX XXXX for 10 years. When the loans transferred an additional interest amount showed up. It was only {$1.00}, so I didn't think much of it. Also, when the loans transferred, my recurring electronic payment information did not transfer, so I had to set this up again. When I followed the prompts on their website to set up my payment, I set it up to pay the minimum amount due as suggested by the website itself. Once I set it up, the website had a little disclaimer that I may have to make an additional payment to since there is outstanding interest ( the {$1.00} ). To make that payment, the company charges {$0.00} processing fee for all one-time payments. These small discrepancies and processing fees probably add up for the thousands of students that have their loans transferred over to XXXX. 

I discussed this with an online representative, XXXX, and he said he could withdraw the {$1.00} " tomorrow '' without charge and set my recurring payment to the minimum. When I went back into my account later to verify, he had changed my recurring payment from the minimum amount due to the {$1.00}. If I had not caught this, I am quite sure I would be charged a late fee, interest, etc. AND have to pay additional one-time payment fees. 

To make sure I don't have to pay additional fees, I changed my recurring payment to a few dollars more to prevent any underpayment. Even after I did that, the same disclaimer came up saying I may need to make additional payments to cover accrued interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: CA

Complaint narrative:
Last XX/XX/2018, I sent this company a copy of my FTC ID THEFT REPORT, a copy of my dispute letter requesting them to remove erroneous accounts due to fraudulent account opened on my credit report.

On the letter I sent to this company, I quoted the stipulations of FCRA 605B which state that " a reported fraudulent accounts, with proper required documentation, MUST be removed within 4 business days upon receipt ''.

First and foremost, the company took more than the required time to remove a fraudulent reported account from my report. And then to my surprise, this company continues to report this fraudulent account.

For yet another time, my FTC report attached clearly shows this fraudulent accounts which I need to be deleted asap : XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX  ACC # XXXX XXXX XXXX  ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX  ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX Am looking at legal proceedings if this company does not delete this fraudulent accounts from my credit report. Attached here with the earlier dispute I sent to this company and my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have contacted this company numerous times regarding a fraudulent debt. A police report number was given and also a notarized identity theft statement sent. 

In a good faith effort to resolve this matter amicably, I restated my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter or an I.P address if this contract or application was done through the internet. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with this company, nor am I a customer, nor have I entered into a contract with them, I have asked for the following information : Evidence for authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company has failed to provide evidence or proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XX/XX/2016 I came inside and paid {$350.00} ( and the bill shows this ). On that date, I completed an INTENT TO VACATE form and gave it to th rep along with the lock etc and moved all of my things out as required. So the account should have been closed on XX/XX/2016. Yet they kept billing me over 6 months for an empty unit, which I did not use or need. They claim to have sent a certified letter but it's a lie and they dont have proof of the mailing etc ... Now they have placed me in collections for over {$1300.00} -- - all of it late fees.

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 2018-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a letter from Equifax XX/XX/18 that says they want me to mail copies of my social security card and other personal info to verify my identity. I am trying to get a copy of my Equifax credit report, because I believe it contains false info. I have already filed a report at XXXX. and have the report number. I did not have any problems getting this information from XXXX or XXXX and the info on those reports appears to be correct. I also want to place a seven year freeze on my credit and can not do to the resistance from Equifax. If Equifax would look at the info on XXXX  and XXXX the problem would be perfectly clear. I do not want to send anything to Equifax because they obviously have done something to make this a problem. I feel it is discrimination, because it is ONLY Equifax.

Company response to consumer: Closed with explanation