vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I chose the option saying that the transaction was not authorized, but that is not accurate. The transaction was authorized, but they have a full refund policy that they repeatedly promise to honor but never do. 
On XX/XX/XXXX there is a charge of {$29.00} for the design of a logo on my account. After a few days, I called the company to ask for a refund and succumbed to an up-sale. I was told that for {$300.00} they would design a logo and build a website. On XX/XX/XXXX XXXX charged {$270.00}. After some back and forth and complaints about customer service, the logo was never completed and the website was never started. On XX/XX/XXXX I emailed the rep at XXXX asking for a refund. I was told that I would eventually get it, but after eight months, constant emails back and forth, and even an attempt to have my bank file a claim, I am still waiting for my refund. Service was never delivered and I want my {$290.00} back. Please help me. Thank 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 2017-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
XXXX nissan sentra nissan motor acceptance corp loan dated X/XX/2014 vin # XXXX after purchasing vehicle i had accident and when insurance needed to payoff nmac gap insurance said car was in my dads name but he never signed any paper at dealership. i signed my name never realizing it was my dads name which is different than mine. i have sent numerous requests to nissan motor acceptance corp. dealer XXXX XXXX XXXX of XXXX nj

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This is a request as authorized by the FCRA. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] In XX/XX/XXXX ) I disputed the following account ( XXXX XXXX XXXX Account # XXXX ) In your letter of XX/XX/XXXX and your report # XXXX you have properly deleted the circled account. In my current report the subject account has been fraudulently re-inserted to circumvent the regulations of the law.I am hereby disputing this fraudulently re-inserted account. Please furnish me with the following ; ( 1 ) A description of the procedure used to determine the accuracy and completeness of the information. ( 2 ) The business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with such information ; In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
The mortgage was fully paid and settled by XXXX XXXX XXXX as part of the Closing disclosure on the XX/XX/XXXX. Chase Bank continued to activate my auto pay instructions with XXXX XXXX and submitted monthly installment request on XX/XX/XXXX and XX/XX/XXXX. As I maintain this account exclusively for rental transactions, I did not have sufficient funds and the bank returned payment request unpaid on both occasions and charged me {$36.00} on each occasion. I called Chase Bank on the XX/XX/XXXX and informed them about this and stop sending payment request with immediate effect. Despite, they have sent the request for the second time on the XX/XX/XXXX. I have sent the attached letter to the Bank via fax number given to me. This will affect my credit and I wanted them to remedy this as well. I am sending this complaint to you with a request to let the public know that the bank will continue to send payment request despite closing the account. Thanks for your prompt action. Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
Rushmore Loan Management, LLC is the servicer on my mortgage loan sinceXX/XX/XXXX. They have incorrectly placed my mortgage in default. I provided every month of proof of payment between XX/XX/XXXX through XX/XX/XXXX and they have not corrected this. Rushmore now says that it is due to a payment XX/XX/XXXX prior to them servicing the loan. I 've asked them why they are trying to collect on the loan prior to them servicing loan. They stated XXXX XXXX XXXX transferred loan stating I was one month in default and did n't receive XX/XX/XXXX. I have provided copies of proof of payment and the cleared & endorsed check by XXXX XXXX XXXX for the XX/XX/XXXX payment. Now, Rushmore states that it is due to an XX/XX/XXXX missed payment. I explainded that payment was n't required because I have a statement with XXXX Balance due because an adjustment that was made due to a Modification from XXXX  XXXX XXXX. I have provided that information and Rushmore Loan Management continues to keep my loan in default. Please see copy of the XX/XX/XXXX statement with zero balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: NC

Complaint narrative:
I reviewed my credit report and XXXX has listed my XXXX payment as delinquent. My payment due date is the XXXX of each month and my XXXX payment was submitted on XXXX XXXX. It was not past due as indicated on 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 2017-08-14 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: NC

Complaint narrative:
I reviewed my credit report and XXXX has listed my XXXX payment as delinquent. My payment due date is the XXXX of each month and my XXXX payment was submitted on XXXX XXXX. It was not past due as indicated on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: NC

Complaint narrative:
I reviewed my credit report and XXXX has listed my XXXX payment as delinquent. My payment due date is the XXXX of each month and my XXXX payment was submitted on XXXX XXXX. It was not past due as indicated on 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 non-monetary relief
Consumer complaint received 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been trying since XXXX 2017 to get my XXXX card to update on my 3 reports after a three was call XXXX finally updated. Upon several more attempts equifax and experian for some reason wo n't update it. XXXX XXXX has sent me a letter stating they have reported to all three several times and to contact them directly to figure out the problem. When I call the two they say they report what is sent to them. My husband and I have spent 100+ hours on the phone back and forth and nothing seems to be getting solved. Can you please help. I have the letter if I need to fax to you I will.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I 've called Chase bank on X/XX/17 to find the reason why they 've decided to close my account. I was told that they ca n't disclose that information with me. I asked for a written explaination mailed to me and I was denied of having that information obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
{$600.00} amount I disputed with the collection agency, they refused to delete. I have never entered into a verbal or written agreement or contract with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I 've had a Chase credit card for a few years, never late. I opened a checking account 2 days ago and they now have closed the checking account and my credit card account. They did this a few years ago too. I can get to answers as to why. I have not defaulted, I have not deposited cash, I am not money laundering or gambling or overdrafting or anything else. I have 2 other checking accounts but there is a Chase close by so for ATM purposes it would have saved me . It was fine that they closed my checking, I had never had the chance to even use it but to close my credit card too ... rude. Please help, it 's been years and I 'm blacklisted by Chase and can get zero answers from the company ... only that they have the right to close my account ( s ) with no explaination.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been trying since XXXX 2017 to get my XXXX card to update on my 3 reports after a three was call XXXX finally updated. Upon several more attempts equifax and experian for some reason wo n't update it. XXXX bank has sent me a letter stating they have reported to all three several times and to contact them directly to figure out the problem. When I call the two they say they report what is sent to them. My husband and I have spent 100+ hours on the phone back and forth and nothing seems to be getting solved. Can you please help. I have the letter if I need to fax to you I will.

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 2017-08-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has consistently verified and reinserted the following accounts on my Equifax credit report. Case # XXXX Case # XXXX The above mentioned accounts were deleted on XXXX XXXX 2016, Equifax confirmation number XXXX. I am demanding that Equifax delete above mentioned cases from my file. I am not asking Equifax not to reinvestigate so they can stall for another 30 days. I have contacted XXXX County Courthouse to speak to them about this matter and they stated they have no recollection or knowledge of Equifax performing an investigation. If these accounts are not deleted, I will pursue any legal remedy at my disposal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
Ford has been reporting me 30 days late when I am not 30 days late. They are in violation of the FCRA and they will not fix the issue. Nobody there will help nor do they know what they are doing. I make my payments every single month so how can I have random 30 day late payments!!? If they claim I am in fact 30 days late then they need to prove to me that I am. I have contacted an attorney who handles this type of law and the next correspondence will be from him. Its like these creditors can do whatever they want and say whatever they want and nobody makes them responsible. Why is n't the CFPB investigating them? I see many of these same complaints! They are affecting my financing and affecting my credit picture with this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Systematic National Collection, Inc.
State: UT

Complaint narrative:
I have received another attempt to collect letter from Systematic National Collections. They are not licensed to collect in the state of Utah and this is illegal to do. I have attached the proof of my most recent attempt to collect letter I just received in the mail. I also attached the proof that they are not licensed in Utah. They also still have not sent debt validation which is also illegal to continue to collect on a debt that they can not validate. If Systematic does not stop contacting me about this debt and delete this from my credit report I will contact my local Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I purchased a truck in XX/XX/XXXX. I bought it thru a dealership, the int. was high even tho I had good credit rating. The finance person assured me repeatedly that I would be able to lower the payment within a year. That was a flat out lie. They sold the contract. The company that purchased it did a terrible job with how they applied the int to the loan taking way more than they should have each month. I stopped making payments until they corrected this situation. They never did. Instead they put two payments to the rear of the loan to get me caught up, I made a double payment, all of which went to int. except a small amount. The credit report constantly shows me late, when in XXXX I caught up and stayed current. they even admitted they missed one of my payments. they wont correct it. very damaging. and still they want thousands more in interest money than they should be getting. the correct amount should be {$13000.00}. they have it as XXXX, and I have paid well over 15,000 with more expected. I have argued til I am blue in the face. they just wont listen to reason. I show I have 8 payments left, they are demanding 12. I refuse to give in to them. I just want this done. I may not have been perfect on this loan, but it is paid and I can pay it off today, if they would come to a real number, and that would be 6 months ahead of schedule.

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 2017-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I i made my mortgage payment of {$1100.00} principal interest and insurance and taxes to freedom mortgage. Beginning XX/XX/XXXX to XX/XX/XXXX they accepted my payments as partial payments then would not apply it to my account. When I asked why I had a late fee they told me they did n't accept partial payments. What happened was my escrow account had increased due to increased taxes of which I did n't realize that had happened. I feel that is wrong not to accept my payment then not return it and still charge me a late fee

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 2017-08-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This creditor ( XXXX XXXX ) keeps changing the status on this account. They are reporting false and inaccurate information. When Equifax researched this account, it was updated for less than a week, and then went back to having multiple inaccuracies. The creditor blames and says it is Equifax 's fault for the inaccurate reporting and Equifax tells me to talk to the creditor. This is extremely frustrating at the very least. The account itself is a total contradiction with many inconsistencies. This account has never been late, has always been paid as agreed, ( even reflects in account info/payment history ) yet they are reporting a past due amount. This account has been paid and should reflect a paid balance, yet it is still reporting a balance. This account has long been closed yet still appears as open. None of this makes any sense, yet this account keeps reporting as such. It is in complete violation to report and verify false and inaccurate information. I have been denied recent credit because of these erroneous items that appears on my credit report. I have attached proof of this claim. I request that Equifax delete this account from my credit report. This account is completely inaccurate and does not reflect my credit history or my credit worthiness. No one should have to go through this. Please delete this account/tradeline from my credit report. I have attached previous disputes and complaints that were resolved through CFPB. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
On X/X/2017, I made a payment to my Bank of America credit card. It did not show as pending and I received no confirmation, so I took it to be not processed. I made another payment and lo and behold, two payments for $ 9000+ were debited from my account!! They were taken out on XXXX. Today is X/XX/2017 and I have yet to receive a refund!! I have called every day and am always given some excuse - I had to wait three business days before they could register a claim, that it can then take an additional 5-10 business days for the refund, the Patriot Act ( this was from XXXX in the West Virginia call center today and I asked him that it takes two weeks due to the Patriot Act? No response ). I have been told three times that I should expect to receive the refund Saturday or today. Nope, nothing as yet. It is interesting that a bank will take your money in a matter of seconds but can not explain why it takes two weeks to return an error. XXXX told me the refund was approved today!!!!!!!!!! You can not make it up and I am just appalled that banks can sit on a {$9000.00} refund with no repercussion to them for acting so unethically and unprofessionally ... ... ... ... ... ...

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 2017-08-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: IL

Complaint narrative:
RE : CFPB Complaint - XXXX Sallie Mae has not updated the address as the said they would and have now increased his APR to 10.25 % ( XXXX ) and 8.250 % ( XXXX ) although they know he is XXXX in the XXXX XXXX as a XXXX. I am paying on his account and handling his finances while he away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have tried to setup recurring payments for a specific amount, but it would only let me setup recurring payments for the minimum amount. I wanted to aggressively pay off my student debt, but they prevented me from doing so. This costed me additionally in compound interest over the life of the loan. It has been frustrating.

Company response to consumer: Closed with explanation