vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The bank has took no responsibility for allowing the XXXXXXXX XXXX fraud. They say its a 3rd part app so they have no control over it or cash back when you are scammed out of the money using the XXXXXXXX XXXX THEY provide in the XXXX application. What happened is I have a dresser and dinner table on sale at XXXX messenger, XXXX and XXXX. I got a text from XXXX. This person wanted to pay with a cashiers check instead for the items as well as to pay for the delivery through this cashiers check. I was mailed the check and deposited it on XX/XX/2021. The funds from the check were available on Saturday. The person who sent me the check text me asking to confirm if the check had deposited so I confirmed. This person ask me to pay the movers to pick up this furniture via the XXXX application. I have never used this before but saw it was available in my banking application ( Santander ) so figured it would be safe. I sent over {$750.00} to XXXX account email the scammer gave me, XXXX ( XXXX a is the name the scammer gave me for the email address of the XXXX account ) on XX/XX/2021. This scammer told me the total moving fee was {$1100.00} and since the max limit sent via XXXX is {$750.00}, he asked me to use XXXXXXXX XXXX and send {$430.00} to XXXX XXXX username, # XXXX ( XXXX XXXX is the name that comes up after searching that username ). The transfer would not go through as it was refunded for my protection. I thought this may because I had already sent {$750.00} and my bank was being protective. The scammer then suggested to send the remaining {$430.00} through XXXX on Monday, XX/XX/2021. I sent the money to the same XXXX account, XXXX, on XX/XX/2021. Then on XX/XX/2021 the cashiers check of {$1700.00}, the scammer sent me got sent back to my account as Return deposited item altered/fictitious item and left me $ XXXX in my bank account.

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 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX about XXXX was taken from my account due to fraud and which Wells Fargo said it was handled i have papers saying it was fraud yet Im the one who got charged. I am still XXXX in the bank because they wont return it

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 2021-03-12 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: Early Warning Services, LLC
State: CA

Complaint narrative:
EARLY WARNING SYSTEMS CUSTOMER SERVICE WOULD NOT TAKE CAR OF INACCURATE INFORMATION REPORTING FROM XXXX  XXXX XXXX. INACCURATE INFORMATION IS OVER 5 YEARS OLD. IDENTITY THEFT VICTIM POLICE REPORT FILED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Shellpoint sent me a message requesting payments for XXXX when I already made all the payments according to our payments plan agreement. They are not reporting the payments as they had made. On XX/XX/XXXX, both payments were taken out of my bank accounts by shellpoint but they are still sending me email to let me know I'm late when this is not the case. I have made all my payments on time and it still showing on their accounts that I still own XXXX payments when I already made them. This is outrageous and unprofessional. I contacted their customer services twice today an they are saying they can't locate my payments and are keep sending me emails about being late. This company need to be investigate because I'm pretty sure I'm not the only one having to deal with this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and these line items need to be removed from my credit report.

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 2021-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Kashia Services
State: CA

Complaint narrative:
I got a XXXX dollar loan. I tried on 2 pay periods to call and pay the loan and at each time it was busy. This is the advertised number to call in the site. Since then they have taken XXXX a week. I let them take the loan amoubt before issuing the stop payment thru XXXX XXXX. I want to warn others but I want action taken. This is fraudulent. I know I have paid XXXX thus far. They got another XXXX today. Hopefully XXXX XXXX will get that back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I was not notified of a balance or payment due. I was only made aware of the balance after my credit report showed a delinquent account. I received no communication from XXXX Mastercard that the {$99.00} annual fee was due. This is a card that I do not use and had been told by XXXX Mastercard, was closed. 

XX/XX/XXXX - Asked XXXX Mastercard to close account. They said it was closed. 
XX/XX/XXXX - Credit Card destroyed and no longer used. 
XX/XX/XXXX - ANNUAL {$99.00} FEE charged XX/XX/XXXX - Notice from Credit Bureau of Delinquent Account. Credit score dropped 80 points XX/XX/XXXX - {$99.00} balance paid XX/XX/XXXX - Card Closed XX/XX/XXXX - Spoke with XXXX Mastercard to remove remark. Refused XX/XX/XXXX - Spoke with XXXX Mastercard to remove remark. Refused

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: KEYCORP
State: NY

Complaint narrative:
I received a notification that my credit score dropped by 60 points due to a delinquency from the merchant ( Key Bank ). In XX/XX/XXXX, I had my mortgage deferred due to the COVID-19 relief offered by the bank and a new monthly payment was established for {$1100.00}. I made all payments on time from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, I paid the account total due, but was late making my payment by a few days and was assessed a late fee ( which is okay as I was late ). I was not, however, 30 days past due. The bank reported me as such which caused my credit score to drop. I contacted the bank and they advised me to fill out an online form on key.com and that it will take 30 days for review. After filling out the online form, however, I never received a confirmation that the request was received ( ex- confirmation email ). Today, I called customer service and made an online payment over the phone, however, the representatives were unable to confirm that my request was received and told me to contact my credit reporting company. I really appreciate Key Bank and the assistance they provided me with my mortgage relief during these troubling times. I have followed all directions they have given, and feel that it is unfair that they are impact my credit. I had no concerns, thought this was a simple mistake, and that this credit reporting error will rectified until today. Because I was not able to obtain confirmation that my credit reporting concerns were being looked into, I am seeking further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX and I am hoping that you can help me clear up an incredible mistake that is appearing on my credit profile. Unfortunately, Shellpoint Mortgage Services is reporting a 1x30 day late payment to the credit agencies for XX/XX/2020. This faux pas is the result of my mortgage being transferred from one company XXXX XXXX Mortgage to the next Shellpoint Mortgage. 

I received a letter on XX/XX/2020 with a letter that was dated on XX/XX/2020, stating that my loan with XXXX XXXX was final as of XX/XX/2020 and any new payments need to be made to Shellpoint. Shellpoint Mortgage sent this letter way too late and I already had my payments set up with XXXX XXXX. This letter should have been sent BEFORE my XXXX payment was due. They sent this well after, which is was caused this late remark. To make matters worse, Shellpoint Mortgage is violating the Real Estate Settlement Procedures Act ( RESPA was supposed to be given at least 90 days regarding payments due to the transferring of mortgage holders before late payment information could be reported to my credit profile. Therefore, Shellpoint Mortgage is in clear violation of these Acts. 

I am reporting this to the CFPB because this company did not follow the correct procedures to make sure that all payments were received on time when this was transferred. They sent out a letter on XX/XX/2020 that my XXXX payment was to go to their company. A letter that I did not receive until AFTER the XXXX payment was already due. They have also violated RESPA and all of this is a clear bank error and this needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
Our mortgage loan was recently transferred to Mr. Cooper in XXXX. This mortgage has no escrows for either taxes or homeowners insurance. All the statements I have from Mr. Cooper also state there is no escrows associated with my account. I paid my quarterly homeowners insurance on XX/XX/2021 to my insurance company. On Saturday XX/XX/XXXX I received a refund check from my homeowners insurance company stating it was an overpayment. I called to find out what they were talking about and found out that Mr. Cooper ( Nationstar ) had paid the policy in full ( {$860.00} ). 
I then reached out to Mr. Cooper today to find out why and where the money came from since I do not escrow for any insurance. After 1 1/2 hours on the phone with five different people, I have no explanation of why it was paid. 
One person says they got a bill, ( my insurance company told me they did not send them a bill. they were sent an insurance binder for proof that we had homeowners insurance ). Another person claimed they paid it because they require it to be paid in full. I told them I pay quarterly not in full. I was told I can not pay it quarterly, it must be paid in full ). If this mortgage as no escrows how do they dictate how it is paid? they also announced that my payment is going up in XXXX by {$200.00} per month due to factoring in this " escrow ''. From the reviews on their page, it sounds like they do this to alot of people. 
I have had no communication from Mr. Cooper regarding this loan, other than the usual typical communication when it was transferred to them in XXXX. I was told then that the same terms and conditions of the loan were still in force and nothing changed other than who I paid my payment to.. They can not explain how an escrow account was attached to my account or why no one contacted me about this payment being made on my behalf. If I hadn't made the call, I also wouldn't know about the increase in XXXX, which I will not be paying. I want them to ask the insurance company for a refund so I can go back to paying the bill as I always have. I have spoken to the insurance company and they told that is what needs to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: OH

Complaint narrative:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX nor XXXX XXXX XXXX to release my medical information to a third party. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX and XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization . 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

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 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a debit card in the postal mail yesterday ( XX/XX/2021 ). This was a USBank Debit card but I had closed my XXXX account over a year ago ( probably 2 years ago or more ) When I called XXXX ( usbankreliacard ) at XXXX they were not able to access my information based on the card number but instead wanted me to provide them with my full legal name, my address, my birthday and my full social security number at which point I told them I would not provide that. They then said that there was nothing that they could do for me. 

This is either a scam or USBank trying to get me to be their customer again by sending me a card for an account that I had closed long ago ( for reasons very similar to this ... USBank sending me credit cards that I did not request ).

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 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Everything thats on my credit report is due to identity theft and fraud CAUSED BY MY EX WIFE, XXXX XXXX ( AKA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX. She has opened mass amounts of credit cards without my permission or my consent which has to talked over {$80000.00} approximately 18 credit cards IN MY PERSONAL NAME. NOT OUR OR US. 
* IT WAS ALL HER OWN DOING WITHOUT MY KNOWLEDGE. My ss # XXXX DOB : XX/XX/XXXX. 
TIL THIS DAY, SHES ALSO DOING IT TO OUR YOUNGEST SON, XXXX XXXX. ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX. 
*** SHES OPENED MORE CREDIT CARDS IN HIS NAME WITHOUT HIS KNOWLEDGE, PERMISSION NOR CONSENT! SHES RACKED UP/MAXED OUT THOSE TOO. She's ALSO opened a false NEW YORK STATE UNEMPLOYMENT claim under XXXX name. HE got stuck paying unemployment ( SHE WAS POSING AS XXXX EACH WEEK CALLING IN HIS CLAIM ACTING AS IF IT WAS HIM CALLING. WHEN INDEED, IT WASNT HIM. IT WAS XXXX XXXX XXXX ACTING AS IF SHE WERE HIM ) back after he found out, in order to claim it when he, himself came time he really did need it. AS OF TODAYS DATE, SHE HASNT BEEN HELD RESPONSIBLE FOR NOTHING SHES DONE. ( Shell never stop. Been doing thus for years. I divorced her due to this, partly ) SHE, ALSO RECEIVED OVER {$50000.00} FROM AN INHERITANCE FROM HER PARENTS AFTER THEY DIED. BUT HIDES IT IN HER SISTER 'S BANK ACCOUNT IN ORDER TO COLLECT MEDICARE, SOCIAL SECURITY ETC. THATS ALSO FRAUD! SHES NOT, BY ANY MEANS DISABLED AT ALL. SHE LIED AND FAKES IT TO BENEFIT FREE FOR HERSELF. 2 DWIS SO FAR, TOO. SHE LIVES JUST TO SIT IN BARS ALL DAY. I want charges against her to the " FULLEST EXTENT OF THE LAW. '' JAIL TIME. AND FURTHER, BUT A THOROUGH INVESTIGATION. AND ALL NEGATIVE MARKS IMMEDIATELY REMOVED FROM MY CREDIT REPORT! I WANT HER TO PAY ME AND MY SON ALL MONIES BACK ONLY AFTER ALL CHARGES ARE FILED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: U.S. BANCORP
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, ELAN FINANCIAL SERVICE Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
For various reasons I chose to close my First Citizens Business Bank account via mail on XX/XX/2021 in writing. I originally spoke to the home office on the phone about closing the account when I was told that I could not verbally request it and I would have to put it in writing, which I did mail a letter on XX/XX/2021. A few days later, I received the letter back stating that it was not signed by the owner, which is me and so I did sign the letter and place it right back in the mail. In the meantime, the last transaction that took place on the account was a check in the amount of {$410.00} on or around XX/XX/2021 and the debit card, which I had in my possession was placed on my shredder to shred when I received the remaining XXXX from First Citizens by Cashiers Check. 
Moving Forward I had not heard anything from FCB on Friday, XX/XX/2021 and still had online access to my account when I noticed suspicious activity of XXXX for XXXX XXXX XXXX, I immediately called the Fraud department at FCB and notified them of the following, ( 1 ) This is not my charge, I have never been in a XXXX XXXX XXXX nor have I ever ordered anything online from them and further more had no need, where I live we have a Sporting Goods store ( locally Owned ) and they could get me anything I needed or wanted. ( 2 ) Anybody that is in the process of closing an account would not wait and place a charge against the account, considering if the bank had accepted my original letter like they should have, the account would have already been closed. ( 30 now this has messed me up in getting my full XXXX back. I knew what I was supposed to get back from FCB. The account was finally closed on or around XX/XX/2021 because I received a Cashiers check in the amount of {$18.00} and not the original XXXX, so I responded with a letter outlining that they need to go ahead and issue my XXXX to me or face a late fee ( s ) and that letter was dated on XX/XX/2021 and so instead of sending me my money, like I am making it up as I go, they mailed a response that they have issued a provisional credit for XXXX and should have resolved within 90 days. Since then I have invoiced them for the funds that I should have already received and instead has put me to more trouble. It is funny to me that they knew good and well I was closing the account and what was funny there had not been activity on the account for two weeks and they went ahead and paid out the fraudulent charge on XX/XX/2021 and only issued a credit on XX/XX/2021, when they should have issued XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I have leased a Nissan XXXX vehicle acct # XXXX with Nissan and automatic payments being withdrawn from my account for 3 years. I have been down with covid only to awake and find my credit score took a hit from Nissan because my lease was apparently up in XXXX. and they stopped withdrawing payments from my bank account on there own without any phone calls to me or receiving and documents informing me as to lease ending. I did not stop paying them, they stopped withdrawing 's of auto payments on there own, and as in many leases with Nissan in the past 15 years with other leases they continued taking payments and extending lease for few months never with any issue. i want my credit standing to be resolved as it was there issue stopping in pulling payments and not mine, when i asked why there was never any phone calls they responded with they don't have time.

Company response to consumer: Closed with explanation