vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-13 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: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
In XX/XX/2018, I set up a recurring payment in the amount of {$550.00} to cover the amount due monthly to XXXX Heartland, the loan servicer for 3 loans I hold at XXXX XXXX. Since then, the money has been debited from my bank account, and I have received no notice that anything has gone wrong. Today, I got an email from XXXX XXXX  stating that one of my Perkins loans was two months delinquent. When I logged in to my XXXX account, I found that my monthly payment had not been covering the full amount due for my loans, and that one of my Perkins loans was 2 months delinquent despite my automatic payments. 

When I called XXXX for assistance, they told me that the automatic payment of {$550.00} was not covering the full amount of the loans because the loans had started to accrue late fees due to the payments being posted on the XXXX of every month when the loans come due on the XXXX each month. Because my payments were being made late every month ( instead of being made on the XXXX to cover the payment due on the next XXXX, as I assumed ), they had been taking part of the money supposed to go toward one of my Perkins loans and instead applying it to the late fees, causing my loan to show that it was delinquent for two months. When I asked them how it was possible to set up an automatic payment on a date past the date when the loans were due, they let me know that there is no protection in their system to prevent from this, so they just allowed my automatic payments to proceed without any adjustment or notification that the loans were being paid late every month. This explanation, quite simply, is ridiculous. Automatic payments are meant to be set so that the payor does not have to log in to his account every month and make sure the correct amount is being paid. XXXX has set up a system in which they are able to collect late fees by allowing people who are attempting to diligently pay back their student loans to make late payments, and this practice is both ridiculous and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Dear The Consumer Financial Protection I have an issue that I have not received from Santander Bank for the overpayment which is XXXX $ on taxes from XXXX to XXXX. I need your guidance since every year Santander Bank has collected from me on the taxes more then they should have. I have a copy from the Town Hall in XXXX about how much the Bank has paid for me. From Santander bank there is a big difference in how much they collect the money then how much they pay to the Town Hall. I also have another copy of how much the Santander Bank has collected every year from me. Also I have another problem that I have not received back for my deposit on my house. When we had a closing in XX/XX/XXXX on my property XXXX XXXX XXXX XXXX XXXX XXXX, We had paid the deposit of XXXX. I have a copy from that closing. We were sure we would have received back an overpayment on taxes and the deposit on my house. When we paid full mortgage, but we were wrong. In XX/XX/XXXX we have paid the full mortgage and Santander Bank has never return our money back. From XXXX to this day I have sent many letter to Santander Bank asking for them to return my money back. The bank always sends me a new excuse to not respond to my letter. 



XXXX XXXX XXXX XXXX XXXX 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 2018-11-13 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am writing about my vehicle lease, for XXXX XXXX XXXX, my SSN # XXXX. 

I am the owner of the vehicle and my partner co-signed the vehicle. He is part of a Bankruptcy potion and the account should not be reporting status during that time. Last month I got a notification that I got a 30day late for last months payment. 

I have paid the account and have it up to date. I am asking that XXXX remove the 30day late as while this is being sorted out nothing should be reported to the credit bureaus while this is in BK status. 

I can be reached at XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: NC

Complaint narrative:
After reviewing my credit report, XXXX XXXX XXXX pulled my credit report without me authorizing them to do so. I never signed anything giving them permission to run my credit. Can Westlake please provide me with proof and signature that i authorized them to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I filled out FTC twice with XXXX for Capital One {$44000.00} and XXXX/XXXX  XXXX 's {$1000.00} XX/XX/2018 called and spoke with a XXXX, she stated that she couldn't locate the FTC that I need to resend the FTC.Resent it again XX/XX/2018. Spoke with XXXX in XXXX stated she still couldn't locate the FTC, but XXXX put in a dispute in XXXX without the FTC stated that it came back verified with the information I sent XXXX. Another FTC was faxed on XX/XX/2018. Called XXXX XX/XX/2018 stating that they still can not delete because Capital One and XXXX XXXX had verified that it was my information with the information I sent to XXXX. I ask for an authorization number stated that the information was verified and XXXX representative couldn't provide one. A policy report was made in XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Who owns my loan serviced by Chase Mortgage?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

REGIONS BANK XXXX XXXX {$250.00}

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 2018-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

CAPITAL ONE AUTO FIN XXXX X XX/XX/2013 {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 1st Franklin Financial Corporation
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


1ST FRANKLIN FINANCI {$1000.00} XX/XX/2013 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 2018-11-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Consumers Inc
State: VA

Complaint narrative:
I received a letter on XX/XX/2018 from United Consumers , Inc. stating that I had been reported to them from XXXX XXXX XXXX XXXX ( actually XXXX XXXX XXXX, though that was not referenced in their letter ) for an amount of {$54.00} ( actual amount on every bill I knew about was {$55.00} ). The letter said that if I wished to dispute the collection, I needed to submit a written notice within 30 days. I sent a letter on XX/XX/2018 ( that is well-within 30 days ) with my written dispute, providing documentation as to why I was not responsible for the amount. I had reached my maximum out of pocket as of XX/XX/2018, which I had told XXXX XXXX XXXX on two occasions over the phone, as well as providing them with the letter on two occasions. I provided that letter, as well as my Explanation of Benefits from my insurance company where they clearly denied the claim and stated the provider ( XXXX XXXX XXXX ) was responsible for the charge. I sent it to the only address provided by United Consumers , Inc. on their letter. 

On XX/XX/2018, there was a voicemail left on my phone - no phone call, just a voicemail that bypassed any phone call - stating I needed to call XXXX about a debt. It did not say who I needed to speak to, did not reference an account number, did not reference an amount, did not provide any other information whatsoever. When I called, the person spoke too fast for me to understand his name ( he was male ), and he told me I had an outstanding bill that was due and needed to pay it. I told him I had sent my disputation letter within my 30 days, and he told me they never received it. He then proceeded to tell me the U.S Post Office is unreliable, and so I shouldn't have trusted it would have reached them. He said he would give me a fax number to fax my documents, but I was upset and demanded to know why they offered the letter as an option if they felt there was no point sending it. He refused to answer. I then demanded to know why a fax number wasn't provided from the beginning if the Post Office was deemed so unreliable, especially when they were making a requirement of a WRITTEN disputation. He refused to answer and continued to refuse to answer, before finally stating he was not going to deal with me and hanging up. I was never given the fax number, and it is most certainly not available on the paperwork provided.

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 2018-11-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied for a Amex new business card but a personal card was approved instead in XX/XX/2018. I met all spending requirements but haven't received the promotion of XXXX points of the promotion offer. An explanation letter was mailed to me to explain it was due to a tech error for opening incorrect account in XXXX. I request the promotion offer be honored because of Amex system mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have accounts in Navient that are reporting incorrect data and nonpayment status. The accounts are being paid and almost zeroed out. I have asked that this matter be looked into as they are reporting outdated information to my consumer credit files in XXXX, XXXX  and XXXX affecting my scoring and limiting my ability to attain loans and/or other credit based services or products. 

I am current and have made all payments on time. I am a XXXX XXXX XXXX XXXX and do not have the time to be consistently battling these companies to update information which is their responsibility to do. 

I am asking for assistance in this matter from the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
We are trying to refinance the mortgage due to income loss. We deliver all income statements and credit report and in XX/XX/2017 the bank denied the mortgage pushing us to foreclosure. We went to the court and the court decide to send us back to the bank for negotiations. As of XX/XX/2017 we did this process all over again and the bank keeps taking hard inquires and reporting late payments with no solution. We can not make payments because the bank doesnt permit until solve the case. We are affected without solution. Please help us.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 2018-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: GA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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:
I have accounts in XXXX that are reporting incorrect data and nonpayment status. The accounts are being paid and almost zeroed out. I have asked that this matter be looked into as they are reporting outdated information to my consumer credit files in XXXX, Equifax and XXXX affecting my scoring and limiting my ability to attain loans and/or other credit based services or products. 

I am current and have made all payments on time. I am a XXXX XXXX  XXXX XXXX and do not have the time to be consistently battling these companies to update information which is their responsibility to do. 

I am asking for assistance in this matter from the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX has been non-compliant with removing the unverified account CITICARDS CBNA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CITICARDS CBNA was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
This person was selling football tickets online so I reached out via email and later by texts. The person requested to use XXXX for payment which is associated with my XXXX quickpay so I felt safe to do so. but that person never sent the tickets nor responded, phone Shut off, which I realized it was a scam. I IMMEDIATELY contact XXXX but was told they couldnt cancel or stop the payment from my account as it was an instant transfer even though it was a Sunday the money was still showing pending. so I called again early next day to report a claim, so far the money has not been refunded to me and I received a mail from XXXX saying the transaction is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: DISCOVER BANK
State: NY

Complaint narrative:
XXXX has been non-compliant with removing the unverified account DISCOVER BANK which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13 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: Selene Finance LP
State: NY

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account SELENE FINANCE LLC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SELENE FINANCE LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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 — Problem with personal statement of dispute
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I have tried multiple times to dispute the XXXX XXXX XXXX account on my credt report. I have asked during every single investigation for proof that it is in fact my account. I need my signature showing it is mine on anything. I have XXXX & was going through multiple XXXX XXXX at the time the company says it was open and being used. I could not have. I had a XXXX. They have yet to produce any significant proof of signatures. I would gladly pay if it were mine. It is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation