vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
On XX/XX/2020, my Daughter 's car was missing from in front of our house. I had her call the police and the police told her that they were informed that her car was repossessed. We called Santander Bank, the bank that she pays her car payments to. My Daughter said that she was informed that because she pays her payments via the Santander 's website on her cell phone, that there was a scam website that looks like the banks website, and that my Daughter, amongst others were paying the scammer over the last 4 months their payments. My Daughter told me that Santander told her that there was nothing they could do because she and others paid their payments supposedly to the scammer website. My Daughter did not know she was paying a scammer. My Daughter contacted the bank she has that she pays her bills with. There is no record of these transfers ( payments to Santander ), that the scammer, who had her information from the payments, probably hacked into her bank account and removed these payments. My Daughter did receive email notifications about the payments, that I saw, but unfortunately, my Daughter has XXXX  and those settings she had any mail she read was automatically deleted and emptied to trash. My Daughter 's car was towed to an impound yard. My Daughter is waiting for money to clear that her father sent via a check to her to get the car back. She received a letter from the loan bank today and they want her to pay late charges which are over {$400.00}. My Daughter recently contacted Santander and she was told that the fake bank website was finally taken down. My Daughter paid the car payments and because she was XXXX when she got the car, I always ask her to show me the proof the payments were made. She paid extra money at times when she had it. I just don't understand why Santander Bank is basically calling my Daughter a liar, by wanting her, when we pay to get the car out of the impound, late fees. This is not fair and as her XXXX year old Mom I am very upset about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: VA

Complaint narrative:
I filed a dispute in XX/XX/2020. My card was never canceled, I never received a new card and I never received the paperwork to finish filing the dispute. Since XXXX I have called customer service at least 10 times ... each time being put on hold anywhere from 2-4 hours. I can not log in to my account online on the website or the Way2Go app because the security picture and name do not match the ones I chose for my account when I registered. It matched ONE time, and it has been something different every other time. I have called multiple times, never resolving the issue. I finally received a new card in the mail, but I STILL can not log into my account and STILL have not been able to file the dispute from XX/XX/2020. I received 5 monthly statements that I requested because I have not been able to log into my account to look at the numerous charges that I did not authorize. I am at my wits end with this card because I cant seem to get anybody to help me! It says on the website that if the security image and name do not match the ones that I chose for my account, not to log in ... .and to call the number on the card. I have done that so many times! Nobody seems to understand what Im talking about or to be able to resolve the problem! I have tried clicking forgot username and setting a new one with a new security image and name, but it is still NOT THE ONE I CHOSE!! Every time I try to log in, it has a random security image with a name that matches the image ... .but NOT the one I chose for my security image!! 
Also, when I have called customer service quite a few times they ask me for my full social security number AND the password for the account!!!! I feel like something is DEFINITELY not right with that! I have NEVER had anybody ask me for my full social security number AND the password for my account! I appreciate your help in this matter!

Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: WAKEFIELD & ASSOCIATES, INC.
State: OR

Complaint narrative:
I'm not sure what happened I wasn't even living in that town I've never taken an ambulance around there like that's not me I don't have any like knowledge of it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH FEDERAL AND LOCAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This account is not mine, nor do I know whom it belongs to. 

I.C. SYSTEM, INC keeps placing collections on my credit, even when disputed thru XXXX on several occasions. 

This is the only information I have as shown in my XXXX  Credit Report : Original creditor : XXXX XXXX Amount : {$280.00} Collection opened : XX/XX/2019 Account number : XXXX hanks for your help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
I was a victim of identity theft. I have disputed and provided the company with identity theft report, police report, and other items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: WI

Complaint narrative:
I've submitted to the company that I was a victim of an elaborate scam of identity theft. I have submitted my identity theft report and police reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
checked my reported and noticed misrespresnted accounts and inaccuracies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: NJ

Complaint narrative:
checked my reported and noticed misrespresnted accounts and inaccuracies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX  has Charged {$4400.00} On my Bank of America Credit Card. Ive Submitted A fraud Report to Bank of America about these charges, but Bank of America closed my fraud claim and is refusing to refund these charges as " They are consistent with previous activity. '' And therefor I am unable to receive my refund. 

My Only service with XXXX  is the Internet Gig Plan. 
According to my Bill, It is only to be $ XXXX/month

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 monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
AssetCare LLC / CapioPartners collection companies placed an illegal medical debt collection in my credit report. I have uninterrupted medical insurance through my employer since XXXX which cover all my medical bills. I never received any correspondence from AssetCare LLC / CapioPartners and found out about when, y credit report was pulled. 

I called their phone number XXXX to inquire about the collection and the representative stated that it was a medical collection from XXXX or XXXX. I told them that I have medical insurance continuous since XXXX, the monthly insurance premiums are taken out directly of my paychecks ( Attached ) however they refused to provide any documentation or acknowledge the fact that I had medical insurance to cover my medical bills. I have written them multiple letters requesting documentation and they have not answered any of them nor provided any documentation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
This was received as part of a fraudulent unemployment insurance claim. The credit card issued is from USBank and is a Reliacard. My problem with USBank is that there is no way to speak with an individual or do anything but activate the card. As the card is fraudulent and the scam is that once there is no activity on the card, the fraudster calls and asks for a new card and/or PIN to be sent to a different address, doing nothing only perpetuates the fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
BANK WONT TAKE MY PAYEMNTS UNLESS I PAY FULL AMOUNT BEHIND ON

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: AZ

Complaint narrative:
I set up auto-pay in XXXX for XX/XX/2020 payment. Payment was not applied and I ws notified of a late payment. I thought that mayabe I had an issue with setting up the auot pay and simply went into the online account and set it up for XX/XX/XXXX payament, again. That payment did go through but was supposedly received late. I called and asked why that happened. They stared that it did not show up as an auto payment and I had gone into my bank and paid the amount. Definitely was not true. Even if that ws true, I have never had a problem making a payment on the due date or few days before this entire year. However, the CapitalOne representative stated that this was not their issue and banks are sometimes late getting the payment to them. I havehad this caerd for quite a while and have never had an issue. There is something very fishy about payments are all of a sudden not going through in a timely manner and setting up online auto pay doesn ; t fix the issue. I had set up the auto pay for the XXXX of ech month, the due date. CapialOne rep states that if the monies are not received on that date then it is my fault. I thought, if the XXXX  lands on a holiday or weekend, then the financial institution has to take the payment prior to that date not after, so as not to cause a late payment on the cardholder. CapiitalOne Rep offers to set up autopay plan for me while I am on the phone, which I agreed to..she proceeds to set up the payment for the due date, which was according to her the reason why my payments would be late. She stated that since she was settimg up the autopay that they would guarantee the payments not to be late. What kind of tactic is this where a creditor can pick and choose how they accept and record payments? I was given one of the late payments back but not both. I would like this investigated, because obviously their online auto payment sign up hs issues with correctly informing the customer where or not it was set up properly, I have at least a dozen other competitor accounts and not one of them has had this issue, And prior to me trying to sign up for auto pay, I had not had an issue with CapitalOne 's online payment process either, Please let me know if you can get to the bottom of this issue,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have asked the company to delete this debt from my credit report. This debt is not mine. I have asked them to verify this account under the FCRA Laws. I never did any business with this company. They cant provide signature, original contract, or anything, which is a direct violation of FCRA laws. This company claim that I owe {$1200.00}. This has caused me multiple denials, due to account being in collections. Also hindering my mortgage process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stuart-Lippman and Associates, Inc
State: OH

Complaint narrative:
i already filed two complaints against stuart-lippman and associates one complaint is still pending as stuart-lippman and associates viloated the fair debt collection practice act this is a new complaint against stuart-lippman and associates i was involvled in a auto accident on XX/XX/XXXX i was in contact with XXXX XXXX i told XXXX XXXX that im disputing the car accident and the amount of XXXX because i was not at fault in the car accident XXXX XXXX said she was go submit document to have my license suspended as she did on XX/XX/XXXX she and this company stuart-lippman and associates violated the fair debt collection practice act by submitting documents to the dmv to have my license suspended as i sent stuart-lippman and associates documents stating that they can not submit documents to the dmv to have someone license as a person said that they could do that i request documents that say that the new complaint now is that stuart-lippman and assocates sent documents to the dmv to have my sister license suspended and my sister was not even invovled in the auto accident period my sister received documents from the dmv of suspension of her license dated XX/XX/XXXX and demand a security deposit of XXXX her suspension starts on XX/XX/XXXX the problem here is stuart-lippman and associates should have nver submitted documents to the dmv telling them to suspend someone license when myu sister was not even involved in the accident nor driving the car period now the dmv want my sister to make a security deposit of XXXX when she was not even involved in the accident at all now they want my sister to pay up money for a accident she was not even involved in the dvm suspended her license for a accident she was not involved in and again stuart-lippman and associate violated the fair debt collection practice act by subitting documnet to have someone licsence suspended when stuart-lippman have no power or authority to do so as my sister was not even apart or invovled off the accident on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04 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: Total Card, Inc.
State: CT

Complaint narrative:
I closed my card on or about XX/XX/XXXX. At the time I closed the account I had a credit of {$280.00} and was told the credit would be issued within 30 days. On or about XX/XX/XXXX I reviewed the monthly statement and saw the credit reflected in the balance. I called the help line and was told that there were still two days remaining in the thirty days from when I had closed the card. On XX/XX/XXXX I called again after checking my account online and seeing the credit still reflected. I was told that a a request had not been made to send the refund check. I formally requested the credit at that point. I also requested to speak with a supervisor to ask that the request be expedited. I was told these requests take 30 days. I called again on XX/XX/XXXX. And spoke with a representative named XXXX who saw that the request had been submitted on XX/XX/XXXX but had not been expedited. She claims to have submitted another request and requested that it be expedited. I feel this company is stringing me along. If I owed them nearly XXXX dollars I am sure they would not be so complacent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH FEDERAL AND LOCAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: GA

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH FEDERAL AND LOCAL AGENCIES I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Hello, During the call with CSR on XX/XX/2020, I received the promotional offer that awarded {$95.00} statement credit and XXXX Thank You points after spending {$1000.00} per month for 3 months. I completed the terms of the offer but have not received the bonus. 

I called the customer service again to inquire why I have not received the bonus and was told that due to their system processing the offer the qualification " month '' started on the XXXX of the month. It turned out, my monthly spend in the " month '' of XXXX was {$960.00} XXXX {$35.00} short of {$1000.00} required ) because I made {$310.00} in purchases on XX/XX/XXXX that were counted for the previous qualification " month ''. 

I was never told during the initial call on XX/XX/XXXX that the qualification month actually starts on the XXXX day of the month, not the day of offer acceptance. I was never send the offer terms in writing with the specific qualification requirement spelled out. There was no way to confirm the terms of the offer ( or check the progress ) in my online banking account. I believe this is done by design to confuse and disqualify customers for the bonus. 

Therefore, I believe Citibank practices related to this offer are an example of clear misrepresentation of the offer terms and request that my account be credited {$95.00} per offer that I orally accepted during the XX/XX/2020 phone call with Citi customer service.

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 monetary relief