vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-03 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander Consumer USA is reporting a 30 day late payment on my credit report after the account was refinanced with another lender and no longer in their hands. I spoke to a representative about the delinquency of my account for the month of XXXX and what the duration I had for my account before it would be reported as 30 days late to my credit. I was in the " slow '' process of getting the account with them to another lender to avoid paying anymore predatory interest on the vehicle. The representative told me I had until the end of the month, XX/XX/2019 to pay the account before it would be reported as 30 day late. Santander Consumer told me I had until the XXXX of XXXX to pay, the car was paid out and closed XX/XX/XXXX. 3 days before the date I was told by one of their reps to to pay by. I noticed them reporting the 30 day late payment after they told me other wise. I got a rep that old me they would be removing the false information. I had to fax over a letter to Santander about the dispute I had. The credit reporting department sent me a letter contradicting what I was told by their rep that the information would NOT be removed. I called yet again and was told to fax over my XXXX credit reports to them. Why I need to send Santander my credit report if they're reporting the information I don't understand. I called AGAIN for the 4th time to a rep that just kept telling me the information was 40+ days past due. I told him about the previous information I had received about making the payment before the XXXX of XXXX. I asked for a manger because the outcome of this company reporting " false '' information after they told me my pay by date is negligent. The manager never came after a long wait time, so I hung up. The credit department apparently can't be reached by consumers. Santander got the account closed out and paid. They no longer have my account. The conversations that was had between my wife and rep.needs to be reviewed. Santander needs to abide by the information provided to me on their end and remove the 30 day late payment on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 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: OK

Complaint narrative:
XX/XX/XXXX, I started the process on refiling my income based plan and there is no way to file the paperwork electronically unless IRS data collection was configured when I was still a student and filing for FAFSA. Since I am in repayment I can't enable the feature that would let me file the annual form electronically. There is no excuse for a federal loan servicer to not have the ability to upload documents and forms digitally to expedite the process, especially considering the sensitive information that is sent via mail and preventing identity theft. 

The process is made more convoluted making it more likely for the deadlines to not be met.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2019 and XX/XX/2019 my credit card was charged my someone else committing fraud. The total amount charged was {$1200.00}. I received a message alert when these purchases were being made and I replied that it wasnt me. After an initial investigation, JC penny said that I am responsible for these fraudulent charges. I have a JC penny credit card.

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 2019-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Brian McCaffrey, Attorney At Law
State: NY

Complaint narrative:
On XX/XX/2018 with the guidance of my lawyer Brian McCaffrey I signed a " Triple Net Lease '' where I had to gave up " All my rights  '' I had to pay {$50000.00} for a " Closing '' I had to " Surrender the Deed '', I had to signed a Confession of Judgement for {$240000.00} and still pay {$3500.00} per month to lease a house where I spent over XXXX in order not to be evicted from the house. XXXX XXXX XXXX the bank who purchase the note that has been flipped over by more than five different banks. 
When I went to McCaffrey 's office I was promised that I would keep the Deed in my name provided that I gave {$50000.00} as a " Good Faith Deposit ''. Justice must prevail. A lot of gullible people have been scammed. 
All I am asking is a " Fair Investigation ''. I was discriminated because of my race, I am a " XXXX man ". I was discriminated because of my national origin coming from XXXX. I was discriminated because of my familial status, having a XXXX XXXX   XXXX child in my family. I was discriminated because of my religion, being a XXXX. I was discriminated because of as a family we belong to the protected category.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Overton, Russell, Doerr and Donovan, LLP
State: VA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On around XX/XX/XXXX, I opened a savings and checking account with Citi bank. I received a letter to verify my address. I submitted a utility bill for verification. After a week, I was told that my account is locked because verification was not received. According to XXXX, they had accessed the utility bill but did not act on it. My account was shortly closed and I was told that my funds would be mailed. I have contacted Citi bank multiple times and have been unable to receive a response as to where the check is. It has been more than 14 business days since the check has been supposedly mailed. Each time I call for verification of the check, I am told that it may take 4-6 weeks where as initially I was told 5-7 business days and that it had already been mailed.

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 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/19 I tried to freeze my credit report at Equifax, XXXX, and XXXX. The last two completed without any problems. Equifax did not complete. I had to set up an ID and password on MyEquifax, but I still couldn't do the freeze. I have tied many times to login, and every time I get a message saying " We can't complete your request at this time. Please call Customer Care Team, XXXX ''. It's difficult for me to communicate by phone because of XXXX  XXXX  and XXXX, so I attempted to use the Equifax chat line. When I explained the problem to the chat person, I was told to call MyEquifax support number. When I explained why that wasn't an option, the agent said the chat line could not help with MyEquifax problems. I think this problem could be solved quickly via email, but Equifax doesn't seem to offer that option. Today I requested an Equifax credit report and got it. I found some items that were not correct or shouldn't be on the report. I tried their online dispute procedure and ran into the same dead end. It forced me to login and then gave me the same error message noted above. I tried the chat line and got the same response which was no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: FL

Complaint narrative:
XX/XX/2019, I contacted Equifax through certified mail informing them that I was a victim of identity theft, and that I had a fraudulent account on my credit report. On XX/XX/2019, I received a letter from the collection agency that had the fraudulent account stating that they were no longer going to try and collect on the fraudulent account, and that they would request a deletion from the credit bureau. When I received the letter from the collection agency, I had already sent a letter to equifax requesting an investigation. 

On XX/XX/2019, I received correspondence from equifax requesting documentation to verify my identity. The request was confusing because when I first contacted equifax, I sent to them through certified mail a copy of my drivers license, lease, passport, social security card, and utility bill. However, I resent to them the same documentation per their request. 

On XX/XX/2019, I received an email from equifax stating that my dispute was completed and that they had determined that the account in collections was my account and that they updated the account as paid in full, but the account would still remain. 

After I received that information from equifax, I sent them another letter XX/XX/2019 along with my FTC report that I had filed, and the letter from the collection agency notifying me that they were ceasing their collection efforts and that they would request a deletion from the credit bureaus. I asked equifax in my second letter to them to provide me the method of their investigation, because if the account was investigated, then equifax would have known that the collection agency was requesting a deletion for the account. 

Today is XX/XX/2019, and I have not heard from equifax about the collection account and the account still remains on my credit report. 

I have attached the second letter that I sent to equifax, along with the letter that I received from the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I made payment under contract terms and the terms of the contract have not been carried out by Chase Bank. Payment was sent via Postal Money Order via certified mail on XX/XX/2019 and was cashed by Chase Bank on XX/XX/2019. Credit reports do not reflect upon the agreed terms of the contract. I have a copy of the contract terms and proof of payment in regards to contract. All evidence can be provided upon request. Terms of contract are once payment was cashed by Chase, negative tradeline was to be removed within 30 days of acceptance of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I have requested that synchrony bank close my account months ago and on numerous occasions. I've even gone to the extent of explaining that I need the account closed immediately and a verification letter stating that the account is closed so that I can be awarded Vet and SSI benefits. Everytime I speak with one of their representatives they have some excuse or they tell me my checks are in the mail and then they never come. I have verified my address and other info way too many times to count. They have been not only dishonest but unethical in cancelling my requests, sending multiple notices stating that my address has been updated instead of my refund check and cancellation letter. They have even went as far as changing the phone number and address on my online account and locking it so that I don't have any access to get to my funds and transfer them out of the account. I am fed up with their lies and dishonest and my next step is to seek out legal action. What they are doing is unethical and illegal.

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 2019-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL

Complaint narrative:
Heartland ECSI has harassed me and tormented me through their debt collection protocols and policies. They have no interest in fairly servicing the loans on their books, and their staff are venal, unhelpful, and downright vulgar in their professional activity and behavior. Their staff have routinely shown themselves to be ignorant of the grounds upon which a student must be approved for deferment, and attempts to seek clarification are unsuccessful due to dreadful customer service. 

Additionally, Heartland ESCI drags its feet on such approvals, so as to charge additional fees. It takes actions in the interests of its profits motives, and when federal law conflicts with those profit motives, its profit motives prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am NOT represented by an attorney and I am requesting that Capital One please respond to the attached letter that I have sent via certified mail and NO response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I made payment under contract terms and the terms of the contract have not been carried out by Chase Bank. Payment was sent via Postal Money Order via certified mail on XX/XX/2019 and was cashed by Chase Bank on XX/XX/2019. Credit reports do no reflect upon the agreed terms of the contract. I have a copy of the contract terms and proof of payment in regards to contract. All evidence can be provided upon request. Terms of contract are once payment was cashed by Chase, negative tradeline was to be removed within 30 days of acceptance of payment. ( not a duplicate issue, this is for another payment )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had an item on a selling app and a guy sent me a check and I cashed it ... later it bounced and destroyed my chase bank account. It was for {$2500.00} and the guy got away with it and chase didnt do anything to tell me anything about my closed account and just hung the phone up on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX 2019 I physically walked into the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX TX XXXX with the intent to load {$120.00} on to my American Express Serve ( Green ) prepaid card. I handed the cashier {$120.00} cash, she took the cash and my Amex Serve card, attempted to complete the " load '' transaction and received and error message saying that the load was unsuccessful. She attempted 2 more times without success. She handed my card and my cash back to me. I then drove to XXXX on XXXX XXXX in XXXX Texas in another attempt to load the {$120.00} onto my Amex Serve card. I handed the {$120.00} to the cashier, she too got an error message saying that the transaction was unsuccessful. She tried again and the transaction was successful. I got a receipt with the successful transaction of {$120.00} loaded to my Amex Serve card. I also received an email from Amex Serve notifying me that the transaction was successful. Exactly 11 min later I received an email from Amex Serve saying that my account was now overdrawn $ XXXX. 
I contacted Amex Serve to inquire about what was going on but I kept getting a message saying that their system was down and to call back later. Later in the evening I called back to explain what happened. They said there was no mistake but if I wanted to file a dispute I could. I filed a dispute. Sent copies of the transactions from XXXX to Amex as they requested and received a response saying that they was no error and I needed to bring my over drawn account current. I disputed again, went through the exact same 10 day process only to be tole there was no error and they will NOT be giving me back my {$120.00} dollars. If there was no error than why do I not have my {$120.00} available to me? If there was no error then why do I have a copy of a transaction for the load onto my card for {$120.00} from XXXX and then a copy of a transaction from XXXX for a REVERSE load for $ XXXX? There IS A PROBLEM and no one will help me. I have contacted XXXX and no one will call me back. I've contacted Amex Serve and they do not see an issue and I've contacted XXXX 3 times and have not gotten an email or phone call or letter from them offering any help what so ever. I am desperate! FYI- American Express Serve outsources their customer care team. They are not actual employees of American Express. They are located in the XXXX and have no contact with anyone from the actual American Express corporate company in New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted Experian via mail in regards to some errors of unverified information on my credit report and I asked them to verify the accounts because by law they are not suppose to report things they can't verify. I have tried to get this information from them for months now and they keep sending me back papers documenting " accounts remains '' without any type of proof or explanation. I have been a victim of identity theft and the other credit bureaus have removed these accounts but Experian continues to report incorrect information. They are even reporting duplicate accounts just to get money Experian is committing fraud acts and its ruining my life.The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate account against the law ) XXXX  XXXX XXXX XXXX  XXXX XXXX ( duplicate account against the law 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 2019-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On XX/XX/2019, there was an unauthorized transaction on my Bluebird American Express card in the amount of {$2500.00}. Apparently I sent this money to another Bluebird user. My account shows a named individual with a XXXX account. I never authorized this transaction ; I do not know this named individual ; Ive never loan my card or card info to anybody ; and I did not make any transactions with the card on that day. I got my direct deposit on XX/XX/2019 and the next day is when this unauthorized transaction took place. I called Bluebird customer service and talked to someone in the fraud department. They took down my information and said that they were opening an investigation. They said that it can take up to ten days to investigate. I asked them when I can expect to get my money back, they said they did not know and they could NOT guarantee that I would be getting my money back. What??!! They have the email address and the Bluebird card information of the individual that hacked my account and sent my money to their XXXX account!! This is my rent money!! When I asked them for the investigative departments phone number, to follow up, they said they did not have that information ... doesnt make sense at all!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
Honda financial representative named XXXX said if i didnt make a payment that night that Honda was going to tow my car. I have three payments left. I told my local Honda dealership XXXX XXXX XXXX XXXX Pennsylvania I felt like I had a gun to my head he was unethical and it caused me great fear and anxiety XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi there is a long list of Student loan debt, Ive no knowledge of these debts that was intent to do fraud, Misrepresentation of giving a false,, misleading accounts. I need thes accounts verified with my signature of these fraudulent debts

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