vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX no longer works with Regional Acceptance. I am in a XXXX XXXX since XXXX. I bought the car XX/XX/XXXX being told the XXXX payments not to worry! That in 6mo I can refinance! It is now 17months later and tried to refinance but RAC my interest is so high that no bank or credit union can approve me. I find it over valuing or over charging. 172 percent over the cars value. It is a XXXX. My down payment was XXXX and I have already paid them over XXXX. The car was XXXX. They take XXXX of my XXXX payment just toward interest. 300 month plus insurance is affordable. It is bankrupting me literally owning this car and I must have a car. I am a NJ field rep. Even my employer has tried to ask them to work with me. They don't listen and my dealer too stopped working with them! I make just XXXX XXXX gross a year single parent with a mortgage and all this time paying this amount when during the contract process as was told at 6mo I can refinance for lower. Now I lost so much time and money. I cant save and also the vehicle doesn't take standard oil change! My oil changes are XXXX. The point is their managers do not call you back. If I pay this loan for 6 years at XXXX net a year that's XXXX for what should be a XXXX loan. I could be in a brand new vehicle. This is a XXXX vehicle XXXX by XXXX. Their math their loan practice and lack of working with the credit union or other sources they referred me to. XXXX XXXX and XXXX XXXX all say to refinance you can't be more than 125 loan to value. Regional is 172 percent and I am in my loan since XX/XX/XXXX! This is too much too suspicious and almost robbing me as a consumer. I cant be charged all this. My credit score is XXXX. I am a XXXX survivor and work full time. This stress is affecting me in a financial and physical way. I pay them and currently have a half payment due. I am trying to correct this cost asap and get into a more reasonable payment that is sensible fair and affordable. With insurance before any maintenance or gas this car is almost XXXX a month. Again at the time of sale I was told if I took the vehicle in an hour papers were signed and days later they began the final contract locking me into XXXX and here we are XX/XX/XXXX. I could have refinanced as promised at contract 14 months ago! I can not afford to keep losing money. The tactics are very wrong. Please see what you can do. 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 2021-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Last year I bought a truck and after the very first payment was made Some people called me and told me that they were some kind of mediator for a company and asking me to make a statement that I owe on a truck that was defaulted on ten years ago they wouldn't provide anything showing who they are and I ended up giving them {$1500.00} because they said they would take that as settlement even though they still wouldn't provide documentation on who they were and gave me a receipt in my email saying paid in full I lost the receipt I paid with my credit card and I have proof that I paid, I bought a vehicle last month and paid the first payment and they called yesterday saying that I stopped making payments and wanted the paid in full receipt that I no longer have from a year ago I explained I spoke to someone at their office and that was the settlement price that they told me paying this amount would take care of the problem they still wont provide documentation on who they are so far all I know I could be getting scammed on a debit that was owed ten years ago they are threatening to call my boss and they only gave me u til XXXX XXXX. yesterday to make a decision

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
AMERASSIST is claiming that I owe them {$1200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This is my third complaint on the same matter - BOA keeps beating around the bush. In their most recent response they state that CFPB had given them till XX/XX/XXXX before enforcement of the fee disclosures - If that the case then why was my transaction in XX/XX/XXXX not processed when there was no disclosure. My previous transaction, as stated in my earlier complaints were successfully processed. It's strange that CFPB had relaxed the enforcement due to COVID, yet BOA did not execute my international wire transaction in XX/XX/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 2021-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I found a recommendation for a personal loan on XXXX. I then used uXXXX website to sign up for loan. I took out a loan for {$3500.00} on XX/XX/2021. I received {$3200.00} direct deposited into my XXXX  XXXX XXXX checking account on XX/XX/XXXX. I found a family member willing to loan me the money. So I called the company to cancel the loan ( and return the money ) within a few hours of receiving deposit on XX/XX/XXXX. They told me they would attempt to cancel loan and contact me back. Later that day I received an email that they could not cancel loan, But that I could pay it off without a penalty. My mother informed me of a regulation that allows for a cooling of period. This would allow me to cancel the loan within a few days- 2 weeks of signing the loan. I researched and found it covers personal loans.I called again to request a cancellation this time citing my rights to cooling off period on XX/XX/XXXX, they told me I would be contacted back. XX/XX/XXXX, received email from upstart saying they would refund part of origination fees if paid off and in the next email on XX/XX/XXXX they said You may however, payoff your loan without any penalties in doing so. If looking to payoff your loan early, you would only pay the interest that accrued up to that point included in the outstanding principal amount. I promptly initiated payment on XXXX. On XX/XX/XXXX {$3500.00} was withdrawn from my account. I wanted my origination fees back so I have contacted the company twice since payment date via email. I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
I have been trying to access my Coinbase account since the start of this year. There is XXXX security but I have advised them several times that I am in another country without the same phone number. Each time I am told they are looking into it, however, no progress has been made to date. They have now stopped replying to emails. My current case number is # XXXX. I have given them ample opportunity to engage with me and remedy this simple solution but now this matter needs to be escalated as they have my money and I can not access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Placed an order for a freezer in XX/XX/XXXX with Sears. They could not deliver the product when promised stating they were having issues receiving the products from XXXX. They moved the date up however, could not deliver the product. We cancelled the order. 

We received statement from Sears every month thereafter charging us fees and interest now amounting to {$130.00}. I contacted the company several times but could not resolve the issues. Agents were extremely uncooperative and unprofessional. Hanging up the phone, not providing their employee ID number or were condescending. 

One of the supervisors ( Was polite ), took my information on XX/XX/XXXX and stated someone would contact me within 24/48 hours. She assigned a number to this case XXXX. On XX/XX/XXXX, received an email from Sears Customer Solutions stating : From : Sears Customer Solutions XXXX Sent : Monday, XX/XX/XXXX XXXX AM To : XXXX Subject : Case ID : XXXX " Dear my name, Thank you for contacting Sears Holdings Corporation . We thank you for allowing us the opportunity to assist you with your recent experience. If you have any further questions, please feel free to call us at the phone number provided below. 
In regards to your query regarding refund for the interest on cancelled order. We regret to inform you that you are not eligible for refund.. 

Case Number:XXXX? 
Phone Number : XXXX. 

Sincerely, XXXX XXXX XXXX Member Services On XX/XX/XXXX, I responded to Sears Customer Solutions by stating : " Good afternoon : The amount needs to be removed from my record as you have not provided us with any product or service. Why are you charging me the fees and interest? I need your explanation of these charges. '' My Name My Telephone Number On XX/XX/XXXX, I called Sears Hometown Store located in XXXX XXXX, Wisconsin where I initially placed the order. I requested to speak to the manager. Manager was extremely belligerent and condescending who did not want to listen to the issues. He also hung up the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I placed a pickup order at a Target on XX/XX/25. Since it was for the wrong store location, I canceled it within an hour of placing the order. The order was fully canceled and I never picked up the item. I had used a Target master card and called their customer service XXXX times since then to get a refund. The first XXXX times random reps told me it would take XXXX hours for the refund to be processed. It never happened. Third time it was escalated to some team, and they are telling me they do not know when this will happen. We are now in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02 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: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
( Reference ID XXXX ) My account got limited on XXXX XX/XX/2021, then I've submitted all required information with my Photo ID on XXXX XX/XX/2021 then PayPal reviewed and restored my account on XXXX XX/XX/2021, it was very good news for me. PayPal was very co-operative and helpful. Thanks to PayPal review team. 


( Reference ID - XXXX XXXX XXXX XX/XX/2021 suddenly received an email says " You can no longer do business with PayPal, After a review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to conduct any further business using PayPal. If you have money in your PayPal balance, well hold it for up to180 days. After that period, well email you with information on how to access your funds. We regret any inconvenience this may cause. '' It means my account has been closed. I'm shocked what it is! Why! I dont understand. 
I thought this email was automated or a glitch, then logged in my account and found really my account permanently banned! 
I believe that this action made by any automatic system or performed by automated bot, not by anyone from human review team, because its impossible for a human to do something self decision opposite. 

I request you please review this coincidence and relieve my pain and frustration. Impossibly if this action made by any human please re-consider my situation. If you think this action is final then I'm respectfully requesting that the hold on my funds/account be lifted. 
However, because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. 

I've complaint on XXXX and send them emails hundreds of times but still no response. 

My PayPal email is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I have always paid on time as agreed. However due to the recent worldwide Pandemic COVID-19 impact, XXXX shows me as XXXX days late on my XX/XX/2021 Payment because of previous hardship buildup made it a difficult year for me. XXXX XXXX claimed my payment did not process on XX/XX/XXXX so I went into XX/XX/2021 and paid them again manually on XX/XX/XXXX for XXXX and paid them for XXXX 's XXXX on XX/XX/XXXX thus making me clearly up to date on everything as of now. Whether they processed the payment or not the issue is that my hardship was due to a Global Disaster ( AW ) caused by the Pandemic. Not only do I think I deserve some assistance in removing the late they recorded on me, I also think they received their money on time and the late is in error. However when I reach out to both the credit bureaus and the loan company they brick wall me and don't help. Please help me.

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 2021-03-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I have always paid on time as agreed. However due to the recent worldwide Pandemic COVID-19 impact, XXXX shows me as XXXX  days late on my XX/XX/2021 Payment because of previous hardship buildup made it a difficult year for me. XXXX XXXX claimed my payment did not process on XX/XX/XXXX so I went into XX/XX/2021 and paid them again manually on XX/XX/XXXX for XXXX and paid them for XXXX 's XXXX on XX/XX/XXXX thus making me clearly up to date on everything as of now. Whether they processed the payment or not the issue is that my hardship was due to a Global Disaster ( AW ) caused by the Pandemic. Not only do I think I deserve some assistance in removing the late they recorded on me, I also think they received their money on time and the late is in error. However when I reach out to both the credit bureaus and the loan company they brick wall me and don't help. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX that I have always paid on time as agreed. However due to the recent worldwide Pandemic COVID-19 impact, XXXX shows me as XXXX days late on my XX/XX/2021 Payment because of previous hardship buildup made it a difficult year for me. XXXX XXXX claimed my payment did not process on XX/XX/XXXX so I went into XX/XX/2021 and paid them again manually on XX/XX/XXXX for XXXX and paid them for XXXX 's XXXX on XX/XX/XXXX thus making me clearly up to date on everything as of now. Whether they processed the payment or not the issue is that my hardship was due to a Global Disaster ( AW ) caused by the Pandemic. Not only do I think I deserve some assistance in removing the late they recorded on me, I also think they received their money on time and the late is in error. However when I reach out to both the credit bureaus and the loan company they brick wall me and don't help. Please help me.

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 2021-03-02 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: MO

Complaint narrative:
XX/XX/2020 thru XX/XX/2020 I made my monthly payments to XXXX on time and qualified/was approved for a loan modification program that lowered my monthly payments. XXXX reports that my account was over 120days late for these six months when I clearly made the payments on time! This is significantly hurting my credit score and prohibiting me from refinancing my home and changing lenders. XXXX is impossible to get ahold off, ignores all attempts to contact them through email and is fraudulent in their credit bureau reporting.

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 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: MA

Complaint narrative:
I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
Yes hello, I recieved credit for furniture & some electronics products from XXXX XXXX/ Swiss Colony credit online. 
I made most of the payments online or over-the-phone for these products, until I was injured on the job and was out of work for 2 + years on work XXXX. 
I missed a couple of payments due to this issue of being unemployed and out of work, but/ and most of the amount due was paid out of the {$860.00} total and only a few payments were missed. 
And XXXX XXXX Swiss Colony Credit has stuck me the consumer for the whole amount of {$860.00} which is Wrong and Not Right, I would like this record stricken/redacked from the/my credit record history of being a charge off. 
Because after making many payments for the products I purchased on credit, they don't have the right to charge me the whole amount!, like I never made a payment at all! 
This is completely wrong and not right. 
I would like this to be taking off, stricken/redacted from the record, because it is NOT CORRECT & hurting my credit at this very desperate time in my/our lives, when really need it ... 

Thank you, I appreciate your time. 

XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief