vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
On or about XX/XX/2020, my auto loan was purchased by Santander Consumer USA. With my previous lender, I had been submitting extra payments monthly by mail as principal only payments. 

A payment of this type was mailed to the original lender on XX/XX/2020. It was clearly marked as principal only and was forwarded to Santander. It was credited to my account on XX/XX/XXXX and back dated to XX/XX/XXXX. Instead of being applied to the principal, the payment to date shows as an additional monthly payment. 

As a result, I have been charged extra interest. Also, my auto pay shows no payment due until XX/XX/XXXX, even though the next payment was due today, XX/XX/XXXX. 

After numerous contacts via chat, email, phone and secure message over the past 2 weeks, the issues remain unresolved. Each time I make contact, I request to be escalated either to a supervisor or a decision maker. Each time, I am told that is not possible. 

To further complicate the issues, I have received contradictory information about making extra principal payments in the future. One representative told me I could make the payments online and another said they had to be mailed. The latter did not provide a mailing address. 

The fix is simple but the bank has made no effort to date to resolve the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: AES/PHEAA
State: IA

Complaint narrative:
I am still being charged daily interest since XX/XX/XXXX. Presidential order was it would be handled within 7 days. No response from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: NJ

Complaint narrative:
To whom it may concern, In XX/XX/2020, the NJ XXXX toll collection system sent two tolls to the collection company, Professional Account Management. I provided the proof that the infractions were paid that same month via the XXXX payment system. These tolls were in my wifes name. 

On XX/XX/2020, they sent another collection notice to me, in my name, for the exact same toll violations, same number, same date, etc. The fact that I proved they were paid, and then they tried to go after me, who is not even on the account, but lives at the same address, is complete fraud. Never mind the tolls were paid from day 1 and should never been sent to collections. These tolls have been resolved by the original debtor as well. XXXX shows my account in good order with no late payments. 

Attached is the collection letter addressed to my wife, proof of previous payment and the recent collection attempt in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS
State: PA

Complaint narrative:
In response to the letter I received on XX/XX/2020, Case # XXXX, Consumer # XXXX. I requested a description of the procedure used to determine the accuracy and completeness of a disputed bankruptcy on my consumer report. I have not gotten a response from Lexis Nexis. I was told over the phone that they get the information directly from the courts. I have received a letter from the bankruptcy court confirming they do not give out personal information to 3rd parties. I asked that they verify that it is in fact my bankruptcy and they failed to do so. The bankruptcy remains on my consumer report as incomplete and inaccurate information. They failed to verify my full name, full social security number, amount of debt in the bankruptcy and my full address associated with this bankruptcy. Because of this inaccurate and incomplete information being reported the credit bureaus are reporting it because they get this information from Lexis Nexis. I am attaching a letter from Bankruptcy court supporting my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
FAIL TO PROVIDE HOW THEY VERIFIED DISPUTES WITHOUT PHYSICAL PROOF OF WET SIGNATURES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I went through a divorce and USAAs divorce dept helped me change all my accounts. They changed my checking account from my current checking to an existing savings. The account numbers are only 2 numbers different. 

I have been with USAA since 1997. I have never had this kind of issue. 

I am having problems paying out of my current account with autopay and it keeps reverting to my old account. I have called on a least a dozen occasions and most recently they reported me 30 days past due because of misinformation they have given me or misunderstandings with the account. 

I talked to the escalation team today and they helped me set up autopay on the new account and had numerous issues doing it though because it kept reverting to the old account. 

They saw my issues but at the end said its my responsibility to pay my bills. All this while I have a Covid 19 90 day relief of payments from them. 

I want the entire file reviews and all conversations listened to. I was misinformed and misled about how my payments would go through. Additionally they are sticking me with a convenience check fee after my credit card was expired and I needed a method of payment for construction workers remodeling my home. They said they would overnight checks but didnt tell me it would acquire additional fees. I feel they are playing word games. 

I am a XXXX  and Ive not only received paycuts but XXXX   furlough or even lay-off. Im trying to refi my house and USAA is manipulating their XXXX up to make it mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26 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: Avant Credit Corporation
State: MI

Complaint narrative:
I purchased XXXX tickets through group on XX/XX/XXXX for a XXXX XXXX XXXX game on XX/XX/2020 the event was canceled due to cobid 19 i contacted group on mo luck so contacted my credit card company explained why the event was canceled they sent me a letter stating i purchased the item i told the cs agent when i filed the whole story due to covid 19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: NV

Complaint narrative:
Trans Union/XXXX  is reporting incorrect information on my credit profile, I have attempted several times to have the information updated and removed and have not been able to be successful. 
There is a collections account XXXX XXXX XXXX showing a open date of XX/XX/2020. This is fraudulent and needs to be removed. 
There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. Trans Union keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

XXXX  is reporting the following incorrect information : There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. Trans Union keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

XXXX is also reporting an incorrect collection that previously was advised was removed but is still reporting for 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 explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I bought my house and my mortgage service was XXXX XXXX XXXX. My first payment was scheduled for XXXX and I sent check # XXXX on XX/XX/XXXX that was cashed on XX/XX/XXXX. For my XXXX payment I sent check # XXXX on XX/XX/XXXX and it was cashed on XX/XX/XXXX. In the month of XXXX I received a letter about the transfer of my service to Roundpoint Mortgage Servicing Corporation and that the XXXX payment had to be made with the new company. On XX/XX/XXXX I made my payment online for the month of XXXX but on Monday XX/XX/XXXX I couldnt make my online payment for XXXX since the reflected amount was {$2400.00}. I immediately called them and they told me to send proof of all my payments made so far to XXXX and that he will take my payment by phone for the month of XXXX as the investigation begins. It is from this day that my nightmare begins, they say they only received one payment from XXXX XXXX XXXX. Since then I have been communicating with the 2 companies, without any specific response. 
I kept communicating and Roundpoint always told me to wait until XX/XX/XXXX for an answer. On Saturday, XX/XX/XXXX, I called and nothing, then I called again on Monday, XX/XX/XXXX and they told me to wait 48 hours that they were going to communicate with me, then I called yesterday, Wednesday, XX/XX/XXXX since they had not contacted me and I asked to speak with a supervisor and he told me that wait 2 more weeks and I asked him if I could make the XXXX payment by phone since online it says that it is for XXXX and he said that this money will be for the month of XXXX that if everything is resolved they will credit this money for XXXX payment. 
They are not taking this situation seriously and they are accusing me that I did not make the payment of my house for the month of XXXX, that it is lost, that I say I paid but they dont know where that money is, so they want to steal my money. 
I am making this complaint because the treatment they have given me has been lousy and I have already sent them proof of my payments and when the money has been collected and nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WSFS FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, COMPLAINTANT has successfully created a joint account with WSFS bank. Account was finalized on XX/XX/XXXX at XXXX XXXX with verification with deposits via a different bank. 
Mobile access and SMS/email notifications were all functional starting XX/XX/XXXX from XXXX XXXX  to XX/XX/XXXX XXXX XXXX  when WSFS security department suddenly restricted the account. 
Representative on XX/XX/XXXX at XXXX XXXX indicated that only the mobile access, not the entire account, was put on block. 
COMPLAINTANT asks that WSFS uses the same criteria against other accounts to restrict them the same way they put a restriction on COMPLAINTANT 's  account. 
COMPLAINTANT acknowledges WSFS 's right to deny/refuse service to anyone for any reason ( as long as not pertaining to age/religion/nationality/race ), however, would like to note that this interaction seems forced by WSFS. By placing a manual and artificial restriction on COMPLAINTANT 's account, WSFS forces COMPLAINTANT to call its customer service representatives. ( To refute this account, WSFS can look into how many of new customers it places restriction on, after new accounts pass enrollment verification that includes credit reporting agency 's questions as well as entering driver 's license and/or passport 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 2020-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Acct : DEPTTEDNELNET | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX  XXXX | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX  XXXX | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX/XXXX  | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE Acct : XXXX XXXX | Acct : # : XXXX | Date : XXXX | PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I used the card sometimes around XX/XX/XXXX for an XXXX  transaction. The transaction was cancelled and a refund {$1100.00} by XXXX with case for reservation XXXX and I was told Citibank have refused to allow the transaction to scale through. I contacted Citi and a case REF ID : XXXX. They have been reporting to credit Bureau false information for over 3 months which has affected my credit score. I have sent several information to citibank since XX/XX/XXXX and all to no avail. 

I have been serious affected XXXX and XXXX that am at this moment considering XXXX. Citi has been treating me badly because I am XXXX and they have suddenly cut my credit line and everytime I made payment to the credit they reduce my limit immediately so I can't use the fund and I have never missed payment. 

I have lost my work due to Coronavirus and still struggles to get intouch 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 explanation
Consumer complaint received 2020-03-26 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I discovered that my name and information were used to open multiple accounts with Comenity bank. Upon discovery I disputed them and they did not remove them. I then completed a police report and the required identity theft affidavits on the federal website. I have sent this information to Comenity. They refuse to delete these fraud items. They return a form letter telling me they find nothing valid. Ive sent the data twice. This is fraud due to data breach exposure. The attached police report was made in my maiden as the fraud was perpetrated in that name. It is Not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX I entered a hardship program paying {$70.00} per month at 10 % apr I have never missed a payment!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26 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: NV

Complaint narrative:
XXXX XXXX/Equifax is reporting incorrect information on my credit profile, I have attempted several times to have the information updated and removed and have not been able to be successful. 
There is a collections account XXXX XXXX XXXX showing a open date of XX/XX/2020. This is fraudulent and needs to be removed. 
There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. XXXX XXXX keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

XXXX  is reporting the following incorrect information : There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. XXXX XXXX keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

XXXX is also reporting an incorrect collection that previously was advised was removed but is still reporting for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: NV

Complaint narrative:
XXXX XXXX/XXXX  is reporting incorrect information on my credit profile, I have attempted several times to have the information updated and removed and have not been able to be successful. 
There is a collections account XXXX XXXX XXXX showing a open date of XX/XX/2020. This is fraudulent and needs to be removed. 
There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. XXXX XXXX keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

Experian is reporting the following incorrect information : There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. XXXX XXXX keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

Experian is also reporting an incorrect collection that previously was advised was removed but is still reporting for 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 explanation
Consumer complaint received 2020-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
This happened on XX/XX/XXXX The merchant told me to make 4 different transactions through Cash App : 1 was for {$55.00} 2 was for {$200.00} 3 was for {$16.00} 4 was for {$100.00} in total of {$370.00}. It was send to the merchant cashapp name $ XXXX. and they told to send the {$55.00} on XXXX. I was supposed to receive the product within 4-5 days but the days went by and i did not receive anything. I requested a refund through cashapp but they declined then i later found out they were a scam and I contacted Cashapp customer service myself but they told me that they could not do anything about it so i decided to contact my bank but they are enable to file third party claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26 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: AR

Complaint narrative:
I have been a XXXX XXXX XXXX ( Account # XXXX**** ) customer since 2018 and during that time, I have enjoyed my experience with XXXX XXXX XXXX greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have one late payments on the above referenced accounts that date back to 2018. Since that time I have been an exceptional customer paying early every month. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was a XXXX XXXX XXXX  XXXX  without a job. I say that not to justify why the payments were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX XXXX is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX XXXX is heads above the rest. I look forward to your reply.

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