vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Date Reported : XX/XX/2019 Amount : {$350.00} Credit Collection Service XXXX XXXX XXXX XXXX, MA XXXX I am attempting to resolve this collection due to the fact they are stating false account information. My auto insurance coverage with XXXX XXXX was due on XX/XX/2019. I was in a critical accident on XX/XX/2019, I successfully made the payment on XX/XX/2019 of {$350.00}. I also talked to a representative the same day of the accident stating that my car is totaled and I will no longer need auto coverage since my vehicle was towed to an auto body shop. The same the shop told me my vehicle was most likely totaled, I told those same words to a representative to help me cancel my coverage after successful payment. Two months later on XX/XX/2019, I see a collection amount of another {$350.00} for the month of XX/XX/2019. XXXX did not take appropriate measures to make sure they successfully canceled my coverage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2020, Capital One Bank tried to cash a post-dated check issued by me, without checking. They rejected the check and charged a NSF fee even though the account showed sufficient balance. 

They never bothered to check with me regarding NSF. On being contacted, their only excuse was that they did *nothing illegal*. 
. 
On XX/XX/2020, the bank charged {$0.00} for overdraft, though the balance has always been positive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
My XXXX  job submitted my payroll to be in my account for today. My bank is denying it and hiding it from me. I get all of my other deposits, and they are denying me my payroll deposit. Fraudulent bank activity and organized crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been disputing this account since XXXX of XXXX and the account has been verified by XXXX  and XXXX  multiple times, yet each time they have verified it, they have also altered information, amounts and dates, making the account appear as newer than it truly is. 

I have requested information from XXXX, XXXX  and Capital One Auto, requesting they provide the information they are using to verify the account and they have ignored my request every single time. XXXX  and XXXX   just keep altering the information on the report even though the information was verified as accurate in the previous dispute. With each update, they have caused my credit scores to drop significantly because of the inaccurate information they have been reporting. 

I just recently learned of the CFPB being available to report XXXX  and XXXX  to, I wish I had known sooner. I was under the impression they were consumer protectors as well. I have not been able to be approved for student loans while I was going to school and have missed two semesters since. It seems absurd they could have access to your credit and cause such damage that literally impacts you and your childrens lives so negatively. 

I have kept records throughout the process, copies of certified letters, receipt of those letters and responses in the updating that was done. The most recent response was altered again and is still reporting inaccuracies and violations. 
No Credit Limits reported Inaccurate High Credit Limits No Closed Dates Closed Dates were actually removed Date of Last Activity has been updated to appear newer Date of Last Payment has been updated to appear as newer It was not a paid collection Date of First Delinquency has been altered The Date of First Major Delinquency was updated to XX/XX/XXXX The Date of First Major Delinquency was JUST changed to XX/XX/XXXX XXXX   and XXXX have ignored my requests to provide the verification information available Capital One Auto has ignored my requests for information on this account None of the reporting agencies have provided any information on this account, yet they keep changing it after they reported each previous time the account was verified. XXXX removed the account from my report due to the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
My mortgage account was transferred years ago from XXXX, XXXX, XXXX, to now Shellpoint. This account has been in distress since the listed Servicers have taken over the account. And it goes beyond just bad customer service, accounting and the misplacement of my payments but my PMI and tax bill as well. 

My current monthly mortgage is {$1100.00}. Transferred XX/XX/19 to ShellPoint. 
Before the transfer, I was sending monies in ADVANCE of {$600.00} bi-weekly to XXXX. To provide full payment an additional {$88.00} to be applied to the principle. 

I contacted your ShellPoint on XX/XX/19 at XXXX, and it was confirmed there were XXXX sitting in the unapplied account from XXXX transfer that was paid on XX/XX/19 ( principal {$220000.00} ). ShellPoint confirmed again through correspondence on XX/XX/19, there was money sitting in suspense account. Monies were never applied. I continuously contacted ShellPoint several times about posting payment after I made another payment of XXXX on XX/XX/19, to no avail, never applied. 

There was money sent XX/XX/19 that was applied to XXXX. The {$88.00} principal payment applied from Shellpoint payment history provided did not decrease the principal balance but increased. Also, Shellpoint adjusted my principle balance with an increase of {$600.00} ( principal, XXXX, XXXX ) in error and without notice. The payment history amounts listed in some of the columns are not shown. 

I currently have fees accessed to the account. Unexplained amounts indicated ( legal, other, etc. ). 

Considering the misplacement of payments and reviewing the payment history provided by XXXX and Shellpoint, I have to question the authenticity of the recent payment history provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Gateway One lending and finance decided to sell out to santender financial. 

I have a loan for a car with Gateway One lending and finance. I found out through a 3rd party that my loan had gotten sold on XX/XX/XXXX. In the email that I had received ; my credit report improved but I found it inappropriate that I found from a 3rd party on the sale of gateway. After getting an email from santendar, I immediately called them on XX/XX/XXXX. In that phone call, I asked the questions regarding when the sale was started with negotiations, when both corporations knew about the sale and declined to advise clients about this sale until getting information from a 3rd party. In the call, they informed me that the sale was final on XX/XX/XXXX. They mailed out a letter on XXXX apparently ; I find that unacceptable and Gateway One or Santendar should have sent a letter or a call or email immediately about this action. 

Now, I have to develop a new web account and continue to pay on a car that Ive been paying on for a year and a half. I have a year left on my car. 

I think there should be fines or penalties associated with the action by gateway sale as many people according to Santander have been upset about this. They knew this was coming and did nothing. Its unacceptable that this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: TX

Complaint narrative:
I have been disputing this account since XXXX of XXXX and the account has been verified by Equifax and XXXX  multiple times, yet each time they have verified it, they have also altered information, amounts and dates, making the account appear as newer than it truly is. 

I have requested information from XXXX, Equifax and XXXX XXXX XXXX, requesting they provide the information they are using to verify the account and they have ignored my request every single time. XXXX  and Equifax just keep altering the information on the report even though the information was verified as accurate in the previous dispute. With each update, they have caused my credit scores to drop significantly because of the inaccurate information they have been reporting. 

I just recently learned of the CFPB being available to report XXXX  and Equifax to, I wish I had known sooner. I was under the impression they were consumer protectors as well. I have not been able to be approved for student loans while I was going to school and have missed two semesters since. It seems absurd they could have access to your credit and cause such damage that literally impacts you and your childrens lives so negatively. 

I have kept records throughout the process, copies of certified letters, receipt of those letters and responses in the updating that was done. The most recent response was altered again and is still reporting inaccuracies and violations. 
No Credit Limits reported Inaccurate High Credit Limits No Closed Dates Closed Dates were actually removed Date of Last Activity has been updated to appear newer Date of Last Payment has been updated to appear as newer It was not a paid collection Date of First Delinquency has been altered The Date of First Major Delinquency was updated to XX/XX/XXXX The Date of First Major Delinquency was JUST changed to XX/XX/XXXX XXXX   and Equifax have ignored my requests to provide the verification information available XXXX  XXXX XXXX  has ignored my requests for information on this account None of the reporting agencies have provided any information on this account, yet they keep changing it after they reported each previous time the account was verified. XXXX  removed the account from my report due to the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing this account since XXXX of XXXX and the account has been verified by XXXX  and Experian multiple times, yet each time they have verified it, they have also altered information, amounts and dates, making the account appear as newer than it truly is. 

I have requested information from Experian, XXXX  and XXXX XXXX XXXX, requesting they provide the information they are using to verify the account and they have ignored my request every single time. Experian and XXXX  just keep altering the information on the report even though the information was verified as accurate in the previous dispute. With each update, they have caused my credit scores to drop significantly because of the inaccurate information they have been reporting. 

I just recently learned of the CFPB being available to report Experian and XXXX  to, I wish I had known sooner. I was under the impression they were consumer protectors as well. I have not been able to be approved for student loans while I was going to school and have missed two semesters since. It seems absurd they could have access to your credit and cause such damage that literally impacts you and your childrens lives so negatively. 

I have kept records throughout the process, copies of certified letters, receipt of those letters and responses in the updating that was done. The most recent response was altered again and is still reporting inaccuracies and violations. 
No Credit Limits reported Inaccurate High Credit Limits No Closed Dates Closed Dates were actually removed Date of Last Activity has been updated to appear newer Date of Last Payment has been updated to appear as newer It was not a paid collection Date of First Delinquency has been altered The Date of First Major Delinquency was updated to XX/XX/XXXX The Date of First Major Delinquency was JUST changed to XX/XX/XXXX Experian and XXXX  have ignored my requests to provide the verification information available XXXX XXXX XXXX  has ignored my requests for information on this account None of the reporting agencies have provided any information on this account, yet they keep changing it after they reported each previous time the account was verified. XXXX removed the account from my report due to the inaccurate information.

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 2020-03-06 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: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX forcibly sold me Gap insurance not just through my insurance but also through the lender contract just like buying an extended warranty. They charged me {$4900.00} for this insurance and guaranteed if the car should ever get totaled I would owe nothing. As it turns out the car was totaled and during that time XXXX  XXXX XXXX XXXX XXXX Merged with XXXX XXXX XXXX XXXX and refused to honor the Gap coverage that I bought because they said that I never turned in the claim. A total lie I turned in the claim four times. I have been fighting this for that last four years and I am fed up I am seeking legal counsel and suing the Credit Unions and the credit reporting agencies Because we don't have a business reporting account. The Credit Agencies due very little to look into this issue and resolve unfair credit practices. Causing lives to be ruined by their lack of care and professionalism.

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 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX forcibly sold me Gap insurance not just through my insurance but also through the lender contract just like buying an extended warranty. They charged me {$4900.00} for this insurance and guaranteed if the car should ever get totaled I would owe nothing. As it turns out the car was totaled and during that time XXXX  XXXX XXXX XXXX XXXX Merged with XXXX XXXX XXXX XXXX and refused to honor the Gap coverage that I bought because they said that I never turned in the claim. A total lie I turned in the claim four times. I have been fighting this for that last four years and I am fed up I am seeking legal counsel and suing the Credit Unions and the credit reporting agencies Because we don't have a business reporting account. The Credit Agencies due very little to look into this issue and resolve unfair credit practices. Causing lives to be ruined by their lack of care and professionalism.

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 2020-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
In XXXX I paid {$8200.00} in interest payments to XXXX XXXX on my 30 Year fixed rate mortgage. In XXXX I paid {$7200.00} in interest to XXXX. In XXXX, I paid a total of {$7500.00} in interest, an increase over XXXX XXXX amount of {$310.00}. XXXX took over servicing my mortgage in XXXX of XXXX. XXXX has provided accounting for their interest collected through the first 3 months, which reflected decreasing interest payments I sent written notice to XXXX of this interest paid increase in XXXX on XX/XX/XXXX. To date they have not responded to address why my overall interest payments increased in XXXX, when based on prior year payments, should have decreased by over {$1000.00}.

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 2020-03-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/XXXX STATEMENT. XXXX SENT XX/XX/XXXX {$200.00} & {$280.00} TO COVER MERCHANTS NOT DELIVERED ITEMS. ( XX/XX/XXXX BOTH THESE ARE NEW CHARGES. ) ** XX/XX/XXXX TOTAL CREDITS APPLIED THIS PERIOD ARE {$910.00} ALL CREDITS ARE PERMANET FROM MERCHANTS. USAA REVERSES MERCHANTS CREDITS NEVER PROVIDING PERMANET USAA CREDITS APPLIED TO BALANCE AND USAA STEALS THE MERCHANTS CREDITS CLAIMING THEY ARE USAA CREDITS. USAA FABROCATES FRAUD PLACING TEMPORARY CREDITS TO BEGIN AN INVESTIGATION XX/XX/XXXXXX/XX/XXXX ** AFTER MERCHANT PAYS XX/XX/XXXX {$200.00} & {$280.00} MERCHANT CREDITS STOLEN AFTER MERCHANTS PAID FOR UNEARNED INCOME TO STEAL MERCHANTS CREDITS AS THEIR OWN. SEE TRUTH ON STATEMENT XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I had traded in my XXXX for the XXXX and paid an additional $ XXXX because I was up down to pay off the Chrysler loan. They are satisfied in full, but are refusing to remove themselves and close their loan on my credit. Also XXXX had a hard inquiry for a XXXX  XXXX  card, they told me it was a soft inquiry. I have spoken to them twice. They never even sent me the card. I called twice the first time they said cause I applied as XXXX ( my married name ) they saw XXXX and XXXX on my report and got confused, had me send in my Drivers license and a copy of marriage license. Then I call back they said they never sent it because my app expired, and I should reapply. But their initial hard inquiry is hurting me and it was only supposed to be a soft inquiry so thats very misleading. It needs to be removed please. They have not updated on their end and its hurting my credit. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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 — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
Southwest Collection Agency , Inc has falsified and used doctored invoices to collect money and interest charges and failed to provide verification. They have threatened that these charges were reviewed by their attorneys and lawful and will take legal actions. 
I have tried to settle the debt by paying off the half of the amount that I did not owe out of fear that the interest will accrue. After speaking with others and learned that what they are doing is unlawful. I questioned the validity of this debt that they are demanding they became enraged with hostility and used vulgarities and obscene languages and stated this will continuously grow and XXXX up my credit. 

I have then contacted the rental car company, however ; they stated that they made the mistake not knowing the laws sending it to this collection agency which is not allowing the rental car company to cancel or dismiss it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet has been continuously negligent by providing false information on numerous occasions. IN CFPB Case XXXX Response they failed to answer FCRA legal request and provided incorrect loan payment amounts. Payment amount in case was stated as a higher amount than due on website. This is illegal under FDCPA by trying to collect more than is due at any given time. Nelnet has continually breached it's Federal Contract, provided misinterpreted, misleading, and incorrect information. It has reported incorrect information to CRAs repeatedly. The CFPB and Department of Education continue to ignore this gross misconduct even when provided with information from solved disputes from CRAs where Nelnet was at fault of giving incorrect information, evidence of negligence and collusion, evidence of slight and intentional negligence.

Company response to consumer: Closed with explanation