vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-22 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: MD

Complaint narrative:
I had an Auto loan with Santander Consumer USA. The loan matured in XX/XX/XXXX. I paid loan off in XX/XX/XXXX. Between XX/XX/XXXX thru XX/XX/XXXXthey reported me 60 days late. Remind you I paid in XX/XX/XXXX. I was paying on the late fees which was around {$3000.00}. The actual LOAN of the vehicle was paid and all I had left were the late fees. I spoke to customer service in XX/XX/XXXX and they had advised me that once the actual loan is paid and alI I have left are the late fees to pay, I can just start making any payment towards the fees and not the regular monthly payments which was {$550.00} a month. And can pay on any date and not on the XXXX of every month which that was when payments were due. So I was paying a little bit at a time and eventually paid it off!!! They keep reporting me late and ruined my credit. Shows 60 days late. Account is closed and I even got my car tittle. I was given the information by a representative in XX/XX/XXXX in regards to the fees. I was told I can pay whatever I can on any date. When I told them of that they investigated, found that I was correct and AGREED to correct the credit reports. Till this day they have NOT. 

They need to remove the 60 day deliquencies on ALL 3 credit reporting agencies like they agreed to do. They are reporting inacurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
This Cashier Check was stolen from the U.S. mail .., The company never got this payment so I stop the payment on it I stop payment on this cashier check and now this company that stolen the check from U.S mail are calling me and want the amount on the check paid to them., they are calling every day till I pay them WHAT THEY WANT {$70.00}. They tried to cash this check that never made it to the company I was paying the bill too?

They now say I own THEM DOUBLE {$140.00} this cashier check was lost in the mail and reported in XX/XX/XXXX!

I stop the payment They are trying to collect on this check in XX/XX/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 2017-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
UNDER THE CREDIT CARD XXXX, I WAS SENT A NEW CARD IN XXXX I NEVER USD IT TILL XXXX TO PURCHASE A WASHER A DRYER I WAS TOLD TO COME INTO THE STORE TO ORDER IT DUE TO THE COMPLEXITY OF THE ORDER I GAVE UP ALL MY INFOMRATIO INCLUDING SOCIAL SECURITY NUMBER AND EMAIL ADDRESS, SINCE THAT TIME, MY CARD HAS BEEN ATEMPTED ON FRAUDULENTLY FOR ONLINE PURCHASES, CASH WITHDRAWALS, REPEATEDLY ; I WAS IN XXXX WHEN THE FIRST TIME IT HAPPENED NOT EVEN XXXX WEEKS AFTER PURCHASING THE WASHER AND DRYER. tHE STORE XXXX PUT ALL MY INFORMATION ON A PIECE OF PAPER IN A BOOK THERE WAS A CASHIER THERE ALSO AT THE TIME, HE PUT THE BOOK UNDER THE REGISTER NOT LOCKED UP REALLY??? HAPPENED RIGHT ON MY BIRTHDAY, XXXX I REQUESTED A NEW CARD, IT HAPPENED AGAIN IN XXXX, AND AGAIN IN XXXX, AFTER RECEIVING THE NEW CARDS. I CONTACTED SYCRONYBANK, NOT MUCH HELP OR FAITH, SAID NO MONEY WAS EVER ACCESSED BECAUSE ALL ATTEMPT WERE DENIED SO THERE WAS NO FRAUD THE MOST RECENT ATTEMPT IN XXXX SHOWD SOMEONE TRYING FROM DELAWARE, VIRGINIA AND TEXAS STORES. I AM PRETTY SURE INSIDE THE XXXX FRAMEWORK, MY INFORMATION HAS BEEN COMPROMISED. I ENDED MY 30 YEAR RELATIONSHIP WITH XXXX AS A RESULT OF THIS, I STILL BELIEVE THE BANK IS FRAUDULENT AND THEY NEVER GAVE ME THE DETAILS OF THE ATTEMTPED USE AS I ASKED IN ANY OF THESE OCCASIONS. I REQUEST THIS BE INVESTIGATED I WILL BE POSTING THIS ON XXXX I REQUEST A WRITTEN RESPONSE IS REQUESTED FROM YOU,,, OH YES WHEN I WENT TO REPORT IT TO THE XXXX POLICE THEY DENIED MY COMPLAINT TO INVESTIGATE AFTER XXXX TOLD ME TO REPORT IT, STATING NOTHING WOULD BE FOUND OUT, REALLY WITH ALL TTHE CAMERAS, AND XXXX KNEW WHERE ALL THE STORES IN XXXX WERE ACCESSED AND WOULD NOT TELL ME ANYTHING AS I WAS GOING TO INVESTIGATE IT MYSELF. I AM SURE I AM NOT THE ONLY XXXX THIS HAS HAPPENED TOO

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Select Portfolio Servicing has not given me proper credit for payments on my mortgage for the XXXX XXXX and XXXX XXXX sent in XXXX on both these dates to make up for past due payments that I missed. For the past 3 years I have been consistently making payments. My wife has several health issues and I have to spend money for doctor bills and medication. My wife suffered a XXXX and I have tried to explain this to the company. Even though I have been making payments for the past 3 years, Select Portfolio has used aggressive threatening and aggressive tactics to force me to pay more money than I owe. I am attaching the letters from XXXX XXXX and XXXX XXXX that reflect this. For the past 3 years I have consistently been making payments. Select Portfolio is now threatening to foreclose and sent back a payment I sent in XXXX XXXX am including the letters which show inconsistent amounts on the principle such as recent statements the XXXX, XXXX, and XXXX XXXX also am including an updated payment history dated XXXX XXXX have included letters from XXXX XXXX and XXXX XXXXSomething needs to be done to end the illegal practices, the threatening letters and robo calls by these debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
Toward the end of XXXX I received a letter from my mortgage company stating that my escrow changed and my payment is lower. I then went to my online banking and the bill-pay page. When I pulled up the automatic bill-pay for this payment, my options were " change '' or " delete ''. I clicked change then changed the amount and the date that it would go out on. The original being XXXX on the XXXX of the month, to XXXX on the XXXX. A week later when I checked my account, it was over XXXX  negative because Zions had sent both payments. I immediately called the bank who said that I had created a new bill-pay payment and that I would have to contact the mortgage company and request a refund. Being divorced almost a year ago, my name is not on the mortgage, only my ex-husband 's name is on it. Needless to say, the mortgage company would not return my phone calls. I asked my ex-husband to call for me. He did for XXXX weeks, with no return calls. He emailed them and they finally replied stating that because it was an automatic bill-pay they would not refund the amount and that the bank would have to request the money back. Well, the mortgage company would not return Zions ' calls either. After these XXXX weeks it became clear that I was not going to get my money back so I went back online and deleted the bill-pay and the payee all together so that they would not send another payment in XXXX. But on XXXX XXXX, I was checking my bank account and found that Zions had sent another payment anyway! Even after I had deleted the bill-pay and the payee. Zions admitted that the bill-pay was cancelled but would not say when and they are unwilling to give me the money and all of the fees that they have charged me over both of these instances.

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 2017-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Three things 1 ) they debited my checking account after issuing a cancellation for the payment. 
2 ) they offered to return the payment in 7-10 days which is unacceptable. 
3 ) they never returned the payment. as of 30 days later. 

also it is their practice to debit your account for autopayment even if you have already made the minimum due OR you have paid your balance in full unless you disable autopay. I think if you make the minimum due and your autopay is set for minimum due they should not debit your checking account for the minimum due. 

1 ) I set up a payment online for {$400.00} on XXXX to draft my checking account. As soon as I set up the payment I noticed it was for the wrong account ( within one minute ). I cancelled the payment and received a confirmation.After I received the confirmation, I set up a payment for {$400.00} on the correct account. Both debits posted to my two checking accounts the next day. The one I had cancelled caused an overdraft and a fee on my checking account. I called capital one and after 30 minutes they said it would take 7-10 days to reverse the item. I said that was not acceptable as they could reverse the item in 1 day if they wanted to. They never reversed the item. Also, the following month, my autopay did not work and I was charged a {$25.00} late fee.Customer service said they would issue a credit and look into the {$400.00} payment. I paid the minimum due of {$44.00} but they said autopay would still charge me {$110.00} even if I paid my balance in full resulting in a negative balance on my credit card. The customer service rep said its so people can pay their credit cards off sooner. I could disable autopay if I like.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I had an XXXX loan with XXXX XXXX XXXX. The loan matured in XXXX of XXXX. I paid loan off in XXXX. Between XXXX thru XXXX they reported me 60 days late. Remind you I paid in XXXX. I was paying on the late fees which was around XXXX The actual XXXX of the vehicle was paid and all I had left were the late fees. I spoke to customer service in XXXX of XXXX and they had advised me that once the actual loan is paid and XXXX I have left are the late fees to pay, I can just start making any payment towards the fees and not the regular monthly payments which was XXXX} a month. And can pay on any date and not on the XXXX of every month which that was when payments were due. So I was paying a little bit at a time and eventually paid it off!!! They keep reporting me late and ruined my credit. Shows 60 days late. Account is closed and I even got my car tittle. I was given the information by a representative in XXXX in regards to the fees. I was told I can pay whatever I can on any date. When I told them of that they investigated, found that I was correct and AGREED to correct the credit reports. Till this day they have NOT. 

They need to remove the 60 day deliquencies on ALL XXXX credit reporting agencies like they agreed to do. They are reporting inacurate 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 explanation
Consumer complaint received 2017-10-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I had an XXXX loan with XXXX XXXX XXXX. The loan matured in XXXX of XXXX. I paid loan off in XXXX. Between XXXX thru XXXX they reported me 60 days late. Remind you I paid in XXXX. I was paying on the late fees which was around XXXX. The actual XXXX of the vehicle was paid and all I had left were the late fees. I spoke to customer service in XXXX of XXXX and they had advised me that once the actual loan is paid and XXXX I have left are the late fees to pay, I can just start making any payment towards the fees and not the regular monthly payments which was XXXX} a month. And can pay on any date and not on the XXXX of every month which that was when payments were due. So I was paying a little bit at a time and eventually paid it off!!! They keep reporting me late and ruined my credit. Shows 60 days late. Account is closed and I even got my car tittle. I was given the information by a representative in XXXX in regards to the fees. I was told I can pay whatever I can on any date. When I told them of that they investigated, found that I was correct and AGREED to correct the credit reports. Till this day they have NOT. 

They need to remove the 60 day deliquencies on ALL XXXX credit reporting agencies like they agreed to do. They are reporting inacurate 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 2017-10-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Select Portfolio Servicing has not given me proper credit for payments on my mortgage for the XX/XX/XXXX and XX/XX/XXXX.I sent in {$4100.00} on both these dates to make up for past due payments that I missed. For the past 3 years I have been consistently making payments. My wife has several health issues and I have to spend money for doctor bills and medication. My wife suffered a XXXX and I have tried to explain this to the company. Even though I have been making payments for the past 3 years, Select Portfolio has used aggressive threatening and aggressive tactics to force me to pay more money than I owe. I am attaching the letters from XX/XX/XXXX and XX/XX/XXXX that reflect this. For the past 3 years I have consistently been making payments. Select Portfolio is now threatening to foreclose and sent back a payment I sent in XX/XX/XXXX.I am including the letters which show inconsistent amounts on the principle such as recent statements the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.I also am including an updated payment history dated XX/XX/XXXX.I have included letters from XX/XX/XXXX and XX/XX/XXXX.Something needs to be done to end the illegal practices, the threatening letters and robo calls by these debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I recently checked my credit report and notice XXXX XXXX. I sent a letter asking for a validation letter of original contract application. I received an application that I assume is the original application, but it also seem to have falsified information that is very concerning to me. 
1. I never had an email with XXXXXXXXXXXX XXXX noted : never have all XXXX XXXX for my email ) 2. The dates they have assume I started school was from XXXX, but on the date of the application signature for me and an assume cosigner the date assumed signed was XXXX/XXXX/XXXX. That will make it XXXX months after the allege start day of classes. How could it even be possible for me or someone to sign if the date of enrollment have already started before the application date? 
3. For something that was not suppose to be electronic, why is the signature typed and printed, rather than being signed for more valid proof. 
4. It clearly have no signature of Authorized school official or date. 

This XXXX XXXX have effected me greatly, they have sent my to the credit bureau and also sold to Navient and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 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: CITIBANK, N.A.
State: MO

Complaint narrative:
on XXXX XXXX, XXXX I faxed a dispute to XXXX 's regarding a XXXX 's account that 's reporting to my XXXX and XXXX credit report in the amount of XXXX. I was told to allow XXXX days to investigate, its been past 60 days and I have not received a response. I have attached the dispute with successful fax transmission.

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 2017-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
This account was never 60 days past due. On XXXX XXXX, XXXX, I made XXXX phone calls, the following refers to the first phone call. On that day, I was 22 days past due and trying to schedule a payment to bring the account current. Seterus representative made the following XXXX statements : 1. Partial payment of late fee is required to schedule a payment by phone. 
2. Answering the questions beyond the routing and account numbers of the financial institution is required to schedule a payment by phone. 

According to your letter, dated XXXX XXXX, XXXX, the above XXXX statements are false. XXXX or XXXX? 

About XXXX years ago, having experienced the Seterus solutions, I decided it is better to absorb the late fee than accepting any of the Seterus solutions. Even though, I repeatedly said NO, why Seterus insists and harass with statements such as above, to better understand my financial situation as you stated in your letter dated XXXX XXXX, XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY XXXX AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I use this card for 0 % balance transfers, not purchases. There was already XXXX balance transfer offer in which I was participating, and it expires XXXX XXXX. I then participated in another balance transfer offer which expires XXXX XXXX. Every month I sent in my payment, my assumption was that the payment would automatically be applied to the promotion that ended first, i.e., XXXX XXXX. When I was reviewing my account and noticed that the promotion that expired in XXXX XXXX did n't have the entire payment amount deducted, I contacted Citibank, and a supervisor said it was Citibank 's " policy '' to divide the monthly payment between XXXX or more promotions, and if a payment was sent was over the minimum payment, the difference would be applied to the promotion that ends first. None of this was explained to me at the time I enrolled in the second promo except to say that promotions with the highest interest would be paid first, but both of these promotions are 0 %.

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 2017-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been trying to fix my credit. But nothing seems to be changing. I then realized that there are some conflicting inquiries on my credit report. These are inquiries that I never authorized. Some I dont even know about. Others, I was pre approved, but they showed as hard inquiries on my credit report. I have contacted them but nothing good came out of it. Trans Union is not giving me a good answer each time I speak with a representative. They keep telling me they will look into it. XXXX removed the few I complained of long ago. 
The following were not authorized by me : XXXX XXXX XXXX ; XXXX ; XXXX XXXX, and XXXX offered me and my application was approved, but it ended up showing as a hard inquiry. XXXX XXXX, pre approved me, I accepted and was approved, but yet it showed as a hard inquiry. XXXX XXXX also pre approved me, but it showed on my credit as a hard inquiry.

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