vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Santander has violated the consumer protection laws. I am proof of this. 
As you may already know Santander are the prime example of a predatory lender. I have had my car loan with Santander for about three and a half years. I have paid this company {$15000.00} plus I paid a {$2000.00} down payment at the dealership, the car was listed at {$19000.00}. Through my own personal knowledge, I have paid more than 80 % towards interest instead of the principal. I still owe more than {$16000.00} on this car. I have all statements from Santander of my on time and late payments. I understand that interest rates will alway accur but not at this rate. I have missed payments, and I have tried to catch up on my payments, but with this loan there is no way to catch up or even pay it off. In XX/XX/2020, I attempted to catch up on my loan by paying {$1300.00} ( {$650.00} going towards interest ) and another on XX/XX/2020 {$510.00}. At this time on my online account my payoff quote was {$12000.00}, I can not find this in any past statements because they are no longer available in my account. 
I was then laid off for again, came back to work with with less hours. I spoke to someone about this in XXXX. In that process Santander proceeded to contact people who were not on my account at all and they called daily, not just once but continuously. I have never added anyone to my account as person to contact. In XXXX I paid a total of {$1000.00} with only {$310.00} going towards the principal, {$680.00} towards Interest, and {$3.00} for an online payment fee. After contacting Santander because in XXXX our hours were cut again, I am expected to pay {$5600.00}. That will be the entire amount of the purchasing price. 
In recent weeks I have received information about Santander 's lawsuits in regards to their subprime lending practices violating consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowling placed these consumers into auto loans that had a high probability of default. This is what has happened to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: IN

Complaint narrative:
Previous dispute with XXXX XXXX. I was sent a letter from XXXX XXXX on last dispute, which CLEARLY states incorrect COMPLIANCE DATE/DOFD! This letter claims DOFD to be XX/XX/XXXX. My report, and payment history REPORTED by XXXX XXXX CLEARLY states DOFD  as XX/XX/XXXX! This is over a year discrepancy, and is ILLEGALLY RE-AGING MY ACCOUNT! 2 attached file will CONFIRM! This is a violation of my rights! Remove account IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Previous dispute with XXXX XXXX. I was sent a letter from XXXX XXXX on last dispute, which CLEARLY states incorrect COMPLIANCE DATE/DOFD! This letter claims DOFD to be XX/XX/XXXX. My report, and payment history REPORTED by XXXX XXXX CLEARLY states DOFD as XX/XX/XXXX! This is over a year discrepancy, and is ILLEGALLY RE-AGING MY ACCOUNT! 2 attached file will CONFIRM! This is a violation of my rights! Remove account IMMEDIATELY!

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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX XXXX reporting late payments and delinquents 30 to 90 days late. XXXX some false statements on reporting late and no available credit i have bank statements and checkbook statements are available a few payments maybe 2 days late because of mailmen postal delivery.

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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX and XXXX XXXX  XXXX XXXX reporting late payments and delinquents 30 to 90 days late. XXXX some false statements on reporting late and no available credit i have bank statements and checkbook statements are available a few payments maybe 2 days late because of mailmen postal delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: MA

Complaint narrative:
hi XXXX ; I been trying to contact you guys because there is an account under my name and credit report that I'm unaware of and i need this delete and permanently removed from my credit. I never authorized nor signed nor give any consent to be added. I'm not liable for this account and i need this removed. delete now.

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 2021-05-08 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: MA

Complaint narrative:
hi XXXX ; I been trying to contact you guys because there is an account under my name and credit report that I'm unaware of and i need this delete and permanently removed from my credit. I never authorized nor signed nor give any consent to be added. I'm not liable for this account and i need this removed. delete now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XXXX of 2020 an XXXX transaction between myself and a buyer was cancelled but after funds were paid. He, the seller, was refunded the full amount minus the taxes which were collected by XXXX, all transactions via PayPal. 

Subsequently, XXXX was required and obligated, via many calls to representatives confirming this fact, to refund the buyer his sales tax which is their responsibility. 

I, in good faith, refunded the buyer his taxes after months of delay by XXXX. 

In addition, the buyer opened a dispute for funds through his credit card which was tied to PayPal. This put my PayPal account in a negative balance and has since locked me out of the account of which I am still in the negative. 

I refuse to pay this amount twice and take a loss for charges not collected nor refunded to me for this transaction. 

An appeal was sent to PayPal from myself, with proof of my refund to the buyer of the amount in question. {$280.00} PayPal has stated they are not responsible for the balance since the dispute was entered with the buyer 's credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have been using PayPal for over 15 years. I started buying small amounts of crypto when I learned I could do it with paypal. I have linked the same checking account for 15 years. On XX/XX/2021 I received an email telling me my account was frozen. I had violated their account agreement with suspicious activity. The activity was not identified. My account was frozen for 180 days. I was using crypto to save for a special project and I need my money now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I had a mortgage with HSBC and I refinanced with the bank in XXXX, but I never received my form 1098 for my old mortgage from the bank. The deadline to file XXXX taxes is XX/XX/XXXX and I contacted the bank multiple times to ask for a copy of form 1098 since XX/XX/XXXX. HSBC didn't care about my request and was not willing to expedite it. Even though HSBC kept telling me that they already sent me the form, but I don't believe it is true, because I have been waiting for the form for more than 14 days since XX/XX/XXXX. The bank was uncooperative and not transparent throughout the whole process. I am not able to file my taxes on time due to the missing form 1098.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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 — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Please refer to my previous complaint ( XXXX ) I appreciate your help with this situation, I would like to make you aware of some additional information I received this week. This is the email I sent to Fifth Third Banks dispute department this week, see below : I was at the XXXX XXXX branch last night ( XX/XX/2021 ), I sat down and spoke with XXXX XXXX. We called the dispute team and spoke to XXXX together regarding this ongoing case. XXXX confirmed that this was not investigated properly and it was not looked into thoroughly and this case should have been cleared by now. 

When I initially called in stating that I did not activate the card, I was asked if I had the card in my possession. At that time I was unaware that a new card had been issued and I responded that I had the card in my possession. The card that was in my possession was the expired card and I never received the new card in the mail. According to XXXX this may have been the root of the confusion regarding this case because they ignored why I initially called which was to say I did not activate the card. 

XXXX and XXXX both advised that it was more than likely mail interception, I spoke to a detective at the XXXX police department and they are going to update the police report and inform the federal post office police of this possible mail interception as well as investigate the merchant that this charge took place at ( XXXX XXXX XXXX XXXX XXXX ). 

What more was I obligated to do than to state that I never activated a card? At that point Fifth Third Bank failed to do their responsibility and they keep trying to make me pay this fraudulent charge. 

The only charges that were incurred by me on that account was a reoccurring XXXX charge, therefore I had no knowledge that the card was going to expire. I don't understand how they are fighting me on a charge that is fraudulent. 

Im sure I'm not the only one this is happening to with Fifth Third Bank and how they handle fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
As I was trying to get the free credit report from transunion, it asked to put my card information to verify my identity. I put my card in and it charged me XXXX. I tried canceling online and it wont let me. I tried calling but wont go through. This is scammy and I want my monthly XXXX I signed up for canceled and reimburse my money.

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 2021-05-08 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: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
The worst decision was to purchase an XXXXXXXX XXXX XXXX  from the online XXXX XXXX and offering my XXXX XXXX XXXX as a trade in. After I had Order Number : XXXX on tracking number XXXX cancelled, XXXX refused to refund my money of {$1100.00} back to my payment issuer even with the purchase and trade in in cancelled status. XXXX ( manager ) rep at XXXX XXXX refused to process the refund after acknowledging I never received the XXXXXXXX XXXX XXXX and a representative at XXXX signed for the returned phone on tracking XXXX. XXXX has had their XXXXXXXX XXXX XXXX  in possession since XX/XX/2021 and has asked me to call in again on XX/XX/2021 further holding my money on merchandise Ive never seen nor received. 
Thus refusing to refund me the money outside their 5 business day refund policy We received your return request. 
Your return number is XXXX. 
Order Number : XXXX Return Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Today, XX/XX/XXXX, Simple customer accounts were transferred to BBVA. We are not able to access our account or funds. Their website keeps returning errors, even after they stated that they fixed it, and the phone line they gave us to call them, is out of service. Their is literally no one around to fix this problem. They are also hiding tweets that complain, so that other people can not find out the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, BBVA shut down access to their Simple checking app. Customers were instructed on XX/XX/XXXX to activate our accounts through the BBVA website. Today is XX/XX/XXXX, and I have tried multiple times to activate my account, and the website is not functional. BBVA acknowledged on their website they are having technical issues due to the volume of customers activating accounts in the transition from Simple, with no indication of when I will have access to my account. 

I am unable to access my checking account balance, transactions, and statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Collection agency, Jefferson Capital Systems LLC, reports debt in the amount of {$5800.00}, with original creditor as XXXX XXXX on credit report. I have disputed the account through XXXX and XXXX, still no verification supplied. Original creditor has dissolved the company and I was unable to locate a past due amount with the company that took the open loans. I called collection agency on XX/XX/21 and requested details of the debit by mail but was unable to secure an expected time frame for the information. Collection agency stated they did not know when they could provide. To date I have been unable to receive any verification of this debt and my records and credit report show all loans were paid in full with XXXX XXXX, Jefferson Capital Systems continues to report the collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Lentegrity Management, LLC
State: NV

Complaint narrative:
Hello, in XX/XX/XXXX I began working at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I was hired by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

When I began working there I had a XXXX XXXX XXXX ( loan with XXXX XXXX XXXX XXXX ) and a XXXX XXXX XXXX ( loan with XXXX XXXX XXXX XXXX ). On XX/XX/XXXX, the dealership soul my XXXX XXXX XXXX on a consignment. 

On XX/XX/XXXX I traded in the XXXX for a XXXX XXXX XXXX. 

Both of my loans with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were not paid by the dealership causing a charge off on both the accounts. 

The XXXX XXXX I currently have a loan with Lentegrity is double financed with XXXX XXXX under XXXX XXXX XXXX XXXX 's wife XXXX XXXX at XXXXXX/XX/XXXX. 

I have been making monthly installments on the XXXX to Lentegrity but they are not making any progress on getting the title from XXXX XX/XX/XXXX. I originally notified Lentegrity about this title issue on XX/XX/XXXX. 

Today is XX/XX/XXXX, Lentegrity does not have a title and has repeatedly threatened to repo/charge off. Knowing the position I'm in leaves me no options to finance another car to get to and from work. 

Attached is a copy of my declaration with the law-firm Lentegrity hired.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: NH

Complaint narrative:
Simple bank shut down this morning and the service was transfered to the parent Bank BBVA USA, hundreds, if not thousands of people are unable to access their accounts on the new platform. We can not access our accounts, or our money, customer service is not responding and no solutions have been presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity closed my XXXX card after I paid the full balance without any explanation or reason.

I did nothing wrong.

I would like my card reopened or the XXXX card or inquiry/account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I paid my full XXXX  comenity card balance then they closed the account after less than a month. 
Comenity provided no reason or explanation. 
I would like my account reopened because I did nothing wrong for my account to be closed abruptly with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Simple Bank closed and transitioned all customers to their parent bank BBVA USA. Transition failed and all Simple customers have lost access to their money except use of a debit card. Only support option is a phone number which is not answered. XXXX account said issue was resolved but most customers still can not access their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cornerstone Holdings, Inc.
State: OK

Complaint narrative:
When I was residing in XXXX, Alaska in XXXX I had been taken by ambulance from XXXX XXXX to XXXX XXXX. While the Dr was tending to me my fiance ' provided the billing department with my Drivers License as well as my XXXX card and XXXX XXXX card. I am 100 % XXXX and have been since XXXX, however the ER Dr 's office did not file under my insurance within the twelve month period they have to file under. More than a half dozen times in the past two years I have filed a dispute via XXXX and every single dispute has come back in my favor as being correct insurance information had been given to the hospital billing department in XXXX, Alaska on the date that services were rendered. However, everytime Cornerstone Credit Services LLC is forced to remove this collection, they turn right around and file against my credit file again. They are absolutely ruining my credit and preventing my fiance ' and I to be able to proceed with the process to purchase a home for us and our children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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:
Good morning to your good office. First and foremost, I would like to emphasize that this is not a duplicate problem. It's actually a recurring problem. This is the second time that PayPal has permanently limited my account for no valid reason at all. I badly need help. Please help! Please help! What they did to me the second time around is really unfair and baseless. I repeat please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
on XX/XX/21 around XXXX, I was notified I had a questionable charge made on my credit card. It was for nearly {$800.00} to a company I have never heard of or purchased from ( XXXX XXXX ). I immediately filed a claim with my bank ( Bank of America ) and was advised to report it to my local police department as well for good measure. My credit card is now frozen/suspended and I will be receiving a new one in the mail. They directed me to also make this claim and a precaution and way of documenting this incident. As far as I know, my bank is not holding me responsible for the charge and will monitor my account for the time being.

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