vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I want to pay a loan I have with PayPal. They have locked me out of my account so I can not do that. Every time I call ( and it's been at least 5 times ) Someone says they will look into it and call back, and they don't. This all started because a client I had asked for a refund for a writing service I provided and PayPal gave it back to them even though I sent email proof showing I had asked the client for certain materials to complete the final half of the job, and the client said they could not provide these items. So I am happy to pay a portion but am not liable for the full amount. PayPal will not be reasonable. Even beyond this {$1000.00} I still want to pay my {$3500.00} loan to them which is completely separate. I have tried with the XXXX XXXX XXXX. They have still not responded to make a way where I can pay this loan. So I either want a formal letter saying that they are completely forgiving it or create a way so I can pay, but this is ridiculous and has been going on for nearly a year. It is good that the government is beginning to examine PayPal because this should be another item that should be added for analysis. But I do want some resolution with all this asap!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX XX/XX/XXXX and XX/XX/2021 someone applied For Loans in My Name Without my consent I Contacted The police but because they were only inquiries they stated that they couldnt do anything for me to contact the credit Bureaus to dispute i called the bureaus place a freeze on my report and fraud alert to stop it from happening again. The bureaus told me to come to this site to get a report so they can resolve the issue So now im here hoping you guys could help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020 I purchased an adjustable bed base on XXXX, I received a base a few days later but it wasn't the base that I had ordered. So, I contacted the seller by phone and explained to them the issue. They asked for photos of the bed and the labels on the box which I provided to them however they never responded to my emails. So I kept emailing and calling them but the only thing I got was mistreatment from XXXX, the advisor I spoke with on the phone. So, being that I was unable to even have them come to my house to pick it up I opened a claim with my bank stating that I never received the product that I had purchased. After I did that they finally called me back stating that they had scheduled a pickup and that they would refund me my money. They sent a driver by the name of XXXX and another guy and they took my base back but never refunded my money. I sent them multiple emails after that, I called and left voicemails but they NEVER replied again to my emails or ever called me back. They now have the base they had delivered to me and my money and I have nothing. The claim with my bank was denied because I had initially created the claim stating that I didn't receive the item that I purchased because they sent me the incorrect one. Now Chase won't open another claim under the current issue being that I already returned the item but never got refunded. 

Item purchased : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Order date : XXXX XX/XX/2020 Order total : {$1700.00} Order # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was sued for a debt owed to Bank of America around XX/XX/XXXX for an amount of {$10000.00}. Through my lawyer, XXXX XXXX XXXX, XXXX, a settlement of {$6000.00} was reached. This amount was paid off on XX/XX/XXXX. On XX/XX/XXXX I was notified by my employer that my check would be garnished to pay off the remaining {$4400.00} to satisfy the {$10000.00}. My lawyer got involved once again as my checks were being garnished to pay off the debt. On XX/XX/XXXX the original settlement was honored, and the funds garnished would be coming back to me along with a note on my credit report of the debt paid off. This was pending I send a signed release form to XXXX XXXX XXXX, XXXX. The form was signed and arrived at their receptionist on XX/XX/XXXX at XXXX. The credit report changes have been honored but my funds being returned have yet to be honored with no further communications returned from XXXX XXXX  XXXX. The funds being returned as the pandemic hit was going to be a stress reliver for my family, but I continue to wait and wait. I am seeking that the {$4400.00} be sent to 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 2021-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Someone applied for multiple lines of credit and loans in my name!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One is still showing that I have 5 late payments and Ive never been late with my card payments. This is against the law and needs to be corrected immediately. Its hindering me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I called RS Clark & Associates on XX/XX/2021 to resolve my debt. Before I was able to fully explore my options, the Rep cut me off and let me know that I wasn't able to settle my debt. When looking into a payment arrangement, I was advised that at no point prior to paying would I get documentation for proof of an agreement. Ultimately, the conversation escalated and the CSR said, " well you could just not pay it like you've been doing and let it fall off. '' and " it's not my fault you don't pay your bills ''. Eventually, she hung up on me. 

I called back, and the same rep answered with an attitude. She then transferred me to someone else with the same sentiments. Very rude, and chastised me for having date, and hung it over my head by mentioning that " i'm calling because i obviously need a house, car, etc '' Both were inconsistent with the result of what would happen after I paid. The first advised that if I paid in full, it would be removed. The second one said " we don't do removals. Once you pay, it will show paid in full ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Regarding case # XXXX that you closed please add the following to the record : From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX EST To : XXXX Cc : XXXX XXXX XXXX Subject : Re : From the Florida Attorney General 's Office Thank you for sending me the explanation letter from Bank of America. 
The letter contains several falsehoods 1 ) we did not open the account on line. We visited the branch on XXXX XXXX adjacent to the XXXX XXXX in XXXX XXXX. 

2 ) we did not misspell our last name. We furnished the Bank of America representative our Florida drivers licenses and the printed email with the offer. The bank statements show the correct spelling.

3 ) the offer prescribed that the bonus had to be paid after 60 days from the deposit date. We deposited the money upon opening the account not days later.

Thank you for your help. We are convinced that without your intervention Bank of America would never pay what was due to us. Please monitor the banks behavior on behalf of the Florida consumers. 

Sincerely, XXXX and 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 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Follow up to Case No. XXXXContinued unauthorized confiscations of the card by third parties who are not in the line of business or do not make themselves known to the account holder and who may or may not return the card once the activity was reported. Card ending in XXXX was returned on or before XX/XX/2021. Vehicle was entirely searched for debit card before and after reporting it stolen. On XX/XX/2021, reporting party found debit card laying in backseat floor area between driver car and middle console. XXXX was checked on several occasions, including under the seat and around the area. This is not the first time that such party has done this. It usually occurs when a third party notices that I am driving and business is slow and their reactions demonstrates discomfort with arrival, even though I am making a legitimate purchase and there is nothing straightforward with the purchase, eg " XXXX  XXXX, may I take your order? '' " Yes, I would like to order $ XXXX '' " I'll have your total at the window. '' Absolutely nothing out of the ordinary and card is confiscated. On more than one occasion, bank has refused to deactivate the card or has acted like they have not to harass.

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 2021-02-11 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
i try to buy i car when dealer pull my credit show an account dont belongs to me i call credit accepttance corp talk to 4 different agent but not one were able to help also car XXXX  not luck as well

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 2021-02-11 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: CITIBANK, N.A.
State: PR

Complaint narrative:
On XXXX, make the following compliant : COMPLAINT ID XXXX Store : Best Buy Order Number : XXXX XX/XX/XXXX : Make the purchase of a cooktop, with delivery and installation. XX/XX/XXXX : Date that I suppose receive the cooktop, I never receipt the item. XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. XX/XX/XXXX : I call to appliances department for make a claim, because I need the money back in the Best Buy, credit card. The company fails several times. 
What would be a fair resolution to this issue? I just need my money back in the credit card. 

Today I check my email and Best Buy did was reschedule another delivery I received the following message by email : APPOINTMENT SCHEDULED : Order # XXXX set for Monday, XX/XX/XXXX. In a completely arbitrary action. As I indicated in the past complaint, I am only interested in my money back. No one can force someone to pay for something they did not receive, that is stealing money from consumers.

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 2021-02-11 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: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I contacted Ally Auto ( subsidiary of Ally Financial ) regarding placing my vehicle on loan through them in storage, in order to be able to reduce the insurance cost and not be penalized. My first contact with them was around XX/XX/2020. I reached out via their chat system to inquire about what the process was for completing this. They told me that they would submit a request for a letter of storage approval to be mailed out to me, and I would receive it in 7 to 10 business days. 

Around XX/XX/XXXX, I had received nothing in the mail. So I reached out to them again regarding this matter, asking for a status update. This was again via their chat system. The representative told me that they needed more time, and to please allow for 7 to 10 more business days. I ended the chat, and began waiting again. 

On XX/XX/XXXX, more than a month after my initial request, I still had received nothing via mail. This time I called their customer service line, asking for another status update. The customer service representative placed me on hold to check the status of what I had requested. They came back and told me that there was never a request in their system for a letter of storage approval. They said that they would place the request, and to please allow for another 7 to 10 business days. That same day, I also submitted a complaint to their customer service department, and it said that if they received a negative feedback, I would be contacted via phone in the next 1 to 2 days. I never received a phone call back. I also have not received any letters in the mail regarding placing my vehicle in storage. I'm coming on close to two months, and I have now paid an extra couple XXXX dollars in insurance for a vehicle that I am currently not driving.

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 2021-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: SC

Complaint narrative:
Ford motor credit repossessed my vehicle while I was in the hospital for 64 days, having advised them suffering for XXXX XXXX without notice to make payment current, without notice of repossession, without notice of sale. The lender is required by law to have notice delivered by verifiable mail with tracking.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX  XXXX is still showing that I have 5 late payments and Ive never been late with my card payments. This is against the law and needs to be corrected immediately. Its hindering me from obtaining credit.

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 2021-02-11 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: MO

Complaint narrative:
XXXX XXXXXXXX is still showing that I have 5 late payments and Ive never been late with my card payments. This is against the law and needs to be corrected immediately. Its hindering me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: MO

Complaint narrative:
XXXX XXXXXXXX is still showing that I have 5 late payments and Ive never been late with my card payments. This is against the law and needs to be corrected immediately. Its hindering me from obtaining credit.

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 2021-02-11 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: GA

Complaint narrative:
There are several accounts reporting in error on my credit report ; there are several accounts with incorrect status and accounts that did not belong to me. 

The following accounts have incorrect late status : XXXX XXXX - incorrectly reporting that I was late XXXX & XX/XX/XXXX and XXXX and XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX XXXX - incorrectly reporting that I was late XX/XX/XXXX, XXXX and XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX XXXX XXXX - incorrectly reporting that I was late XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX - incorrectly reporting that I was 90 and 120 late XX/XX/XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX - incorrectly reporting that I was 90, 120, & 150 late XX/XX/XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; The following is not my account : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ct I did not authorized the following inquiries : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/XXXX XX/XX/XXXX and XX/XX/2021 someone applied For Loans in My Name Without my consent I Contacted The police but because they were only inquiries they stated that they couldnt do anything for me to contact the credit Bureaus to dispute i called the bureaus place a freeze on my report and fraud alert to stop it from happening again. The bureaus told me to come to this site to get a report so they can resolve the issue So now im here hoping you guys could 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 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for a loan with Cardinal Financial Company and I had delivered all of the supporting documents they required within 2 days and any additional documents they requested within hours of their requests. After 4 months of several extensions to a lock rate, on XX/XX/XXXX, I received a request to sign a final extension that notified me that the lock status has expired. I left messages for the transaction coordinator to call me to discuss the XXXX extension and I have yet to receive a call back. Little over a week later on XX/XX/XXXX, I received a notice my loan has been denied. Since that letter I have called and left messages and sent emails requesting an explanation, because I believe my loan was denied due to their failure to extend the lock rate any further. I have sufficient cash to request a smaller loan, I have very high credit, and significant income and I believe rather than deny my loan, Cardinal could have discussed alternatives had they called me. Recently I spoke with another salesperson at Cardinal who deals with borrowers with weak financials, etc to look into why I was denied and to discuss alternatives. He later informed me that he doesn't understand why he couldn't get any information on my loan and when he elevated it to upper management he was reprimanded for inquiring. He mentioned that the response was strange. Since Cardinal 's failure to return my calls and to discuss alternatives, interest rates have increased over 1 point more then my original lock rate. Had Cardinal responded within a couple of weeks I would have had the opportunity to find another lender and not be facing higher loan costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners
State: TX

Complaint narrative:
XXXX XX/XX/21 Affiliate Asset Solutions continued to contact me without leaving a viable voicemail for return calls. I contacted them and would not give any personal information over the phone but they knew the number I was calling from. They asked for a specific person and hung up on me when I complained that the person of interest did not have this phone. I called back several times to establish how they got my information and what they wanted but since I wouldn't give my name I was subjected to repeated hang-ups and disrespect for my time with the issue.

Company response to consumer: Closed with explanation