vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XXXX i purchased a car XXXX XXXX, XXXX at 20.1 % total of 72 payments. i just found out my loan has matured in XX/XX/XXXX leaving a balance of XXXX. 
i made monthly payments XXXX monthly sometimes i even sent in extra money. 
for principle. I was told by loan company that i had to in full or car will be repo. 
I was forced to setup Modification at 17 % 18 payments of XXXX by the time i am done with this loan i paid for over XXXX the car is not even worth XXXX I have asked to have my account review for errors. they said they reviewed by file. 
i have asked for restitution, deficiency waiver or even forgiveness of the loan. 
I even ask how did I end up with a large amount? I am aware that a deferred 4 or 6 payments due employment and medical. I am aware i would have some kind small balance left They were not able to give me a answer. 


i know several people that use this company have run into same issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I closed my account because of the way Citi card handled a missed payment. I am XXXX years old and sometimes miss a payment date because of absent mindedness ( I always pay my account in full ). I tried to use my card and it was declined ; so, I called the company to see why and was told it was because I hadn't paid the bill. Well, when I told the rep that having my card declined was very embarrassing that person 's response was quite XXXX and XXXX and in a fit of pique I cancelled the card ; the agent said fine. Several days later I received a {$660.00} check which I have not cashed. 

I called the company to ask what happened to the the rewards on the over {$13000.00} that I paid shortly after this conversation, none of which was overdue. I was told that when I closed the account, I forfeited those rewards. I asked for documentation to support this policy, that I must have signed in order to open the account. I was told that I could not have that. The person told me that that policy was explained to me by the agent who closed the account at my request, not so. I asked for the recorded record of my call and was told again that I could not have that. I would not have closed the account had I known of this policy and simply would have not used the account until after my rewards were paid.

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 2021-03-01 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: CA

Complaint narrative:
On XX/XX/2020 I filed a complaint through Experian to have a 30 day late removed from my credit report ( Report Number : XXXX ) I contacted XXXX XXXXXXXX in XXXX to tell them of my hardship during the Coronavirus. 

They allowed me to defer a payment but it later showed up on my Credit Report as a 30 day late for the month of XXXX. 

In the time that I have had this card there has never been any 30 date late entries. I also have another card with XXXX XXXX that has never had any 30 day lates. 

XXXX XXXX denied the complaint but did an update to my file showed the 30 day late in XXXX and showed ND ( No Data ) for the month of XXXX on my report. What does ND mean and why is it there?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I submitted two complains already but look like SLS is trying to avoid to provide correct answer on my simply questions : How SLS calculated and why my balance of the second mortgage is still same {$100000.00} even they said they wrote off {$6100.00} of principal? 
In XX/XX/2021 SLS send me 1099 C form with amount of {$68000.00}. When I asked them to provide how they calculated {$68000.00} interest & principal and charge them off on the total of {$100000.00} in second mortgage, they refused to provide any answer and I still did not get any explanation yet. Also, they said balance is still due and it means they would collect a new fees from me and will charge off as well without any explanations and notifications. Good business, huh? I was asking for help because me and my family were badly affected by COVID19. Instead of helping people SLS tried to put us down. They did not communicate to customer properly, they did not even tried to help customers. Last year there was a lawsuit against them and I am sure they still doing same business making money illegal way, there are over 470 complains put on SLS through XXXX  by their customers on last 6 months.

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 2021-03-01 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: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-03-01 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021, my wife requested a transfer of funds from our Citibank business account to my Citibank personal account in order to purchase a vehicle for {$37000.00}. While visiting the branch at XXXX XXXX XXXX, XXXX, CA XXXX, they told her that they wouldn't be able to send a wire for the vehicle purchase because she was not listed on the account, but we would be able to send it online. When she came home, I had her log into my account and send it online. That was the same day, XXXX, XXXX. The next morning, the person whose vehicle I'm purchasing said they hadn't received the wire transfer. I immediately started calling the bank that morning to see what might have happened to the transfer. I was told it was on hold and we needed to wait, the representative also said she would call us back and never did. We called back and the representative said that it was on hold and she would release the hold. After speaking with her, we received an email saying the hold had been removed. On the third day, we contacted the seller and he said that he had still not received the wire transfer. We called the bank again, they said it had been flagged for fraud and it would take another couple of days for them to place a tracer on it and see where it went. We called several times on Thursday and Friday and they have been unable to give us any information as to where our money is. This bank has been so incompetent, I don't understand how they are allowed to deal with peoples ' money. We have been calling today, XX/XX/2021 and the first time the rep said the money was still with them at Citibank, but being investigated for fraud. We called back to check the status and the rep hung up on us after a 93 minute hold. We are now on hold again, since XXXX and it is now XXXX. {$37000.00} is a lot of money to just sit back and let float around in limbo without anyone knowing anything that is going on. I feel like this bank has bad intentions with my money. They have not been forthcoming with any information regarding why they are holding my money and I need to know why and where my money is. This is completely unacceptable and unprofessional. They have been holding it for 7 days, 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 2021-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
In XX/XX/2020 I took out a loan for a XXXX XXXX XXXX XXXX XXXX in the amount of {$21000.00}. Between XXXX and XXXX, the installation was not " online '' due to installation delays and final utility inspection. During this time " no payment was due '' and yet the fine print of the contract said that interest would accrue on the principal. When I signed the contract, I was aware that interest would accrue but I was not aware that this gap in time might take three months. 

In XXXX the system turned on and I started making recurring payments at the amount set by XXXX. None of the documentation sent to me showed the amount of interest accrued or the fact that all of the monthly payments were only going towards interest and not principal. The monthly statements only said " you're payment of {$110.00} was received. This statement did not say that my account had an outstanding balance of {$130.00} worth of interest and that continued payments would only go toward interest. 

For any real information, one has to go onto the website. A very poorly visible ( almost hidden button ) saying " view transactions. '' This page allows one to see a bit more detail but nowhere on this page does it show the accrued balance. It only shows a principal value that is unchanging. This looks like a software bug, not an issue with an unpaid interest or underpayment of the loan. 

For the full story, one needs to find the very specific button of My Account > My Account Summary > " click here to view your payoff ''. Only there can one see their outstanding interest but it is labeled as " interest receivable '' : a confusing term at best ; misleading may be a better description.

The net result for me is that the first five payments ( totaling close to {$600.00} ) went to waste. Had the first statement showed an accrued interest of {$130.00}, I would have paid it off that first month. But it didn't. There was no communication to that effect. Had I been less curious about this issue, I could have paid interest-only for years, never paying down the balance.

If you take a loan out through Mosaic, be sure to watch your account carefully otherwise you might just be flushing money down the drain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I have received numerous ( weekly, then daily ) calls from a Synchrony Bank starting on XX/XX/XXXX through XX/XX/XXXX. The caller ID indicates the following numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. The voicemail message left states the call is from Synchrony Bank and to call the customer service # XXXX XXXX XXXX XXXX for faster service. I do not have a bank account at Synchrony Bank. When calling the customer service # or the XXXX XXXX XXXX XXXX, the automated " teller '' requests that you enter or " say '' a full bank account # or full credit card # or full SSN ( not just last 4 digits but full SSN ) to " pull up your account '' in order to speak to an agent ; there are no other options. Another recording starts off by asking if you want to make a payment on your account and then immediately asks you to enter your debit card #. It takes three rounds of asking for this personal information before the automated voice gives you the option to " say I do not have that '' - it is not clear up front how you get to speak to a customer service agent without giving out your personal information. This is a clear red flag for a scam or fraud phone call - and if Synchrony Bank is real - then it is completely inappropriate to require a customer to enter this information over the phone to identify themselves. People all over the internet are reporting receiving scam calls from Synchrony Bank. On XX/XX/XXXX, I waited on hold over 15 minutes and finally got a live person on the phone. She asked me for the phone # that was being called and gave me some fake names of people she was trying to get in touch with. If these are legitimate calls ( I would suspect for debt collection ), the voicemail should state the name of the person ( s ) they are trying to reach and give a number that does not require you to enter your SSN before you can speak to a live person - you should have the choice to speak to an agent without entering your bank information. I have had the XXXX # since XXXX. The person I spoke with did tell me that the Bank would take my number out of the caller database - but I am not convinced that these are not scam calls.

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 2021-03-01 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Chrysler Capital Accounts # XXXX This account has been paid and closed since 2019 but my XXXX report is still showing that it is open with a balance. How can this be? XXXX XXXX XXXX are reporting the account closed. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 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: CA

Complaint narrative:
XXXX XXXX Accounts # XXXX This account has been paid and closed since 2019 but my Equifax report is still showing that it is open with a balance. How can this be? XX/XX/XXXXand XXXX are reporting the account closed. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well ut was a wells fargo account opened in my name due to fraud and i try to open an account but they want let me i tryed to fix the issue but getting no help

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 2021-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: WI

Complaint narrative:
Received a letter XX/XX/2021 from American Coradius International LLC claiming I owe {$500.00} to XXXX and they are willing to take a settlement payment of {$370.00}. I contacted XXXX immediately and they confirmed I do not owe them any money, my account is in good standing and that this collection agency is attempting to collect a debt that is obviously not mine. I went to the website of this collection agency and did not feel comfortable calling the customer service phone number and I believe this is a scam and or someone trying to commit fraud. I contacted an XXXX  already as well as XXXX  and made them aware of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello, While I'm not sure I can explain this the best via this contact form, I feel that many other people suffered from the same experience I went through and know it's a massive problem. When the Stimulus Check was applied to our Bank of America account 's, if they were in a negative balance, it was applied as a credit to the account, this credit was applied to be used, as in if you logged into your account the money would be there, if you spent the money, the account would use it. 

As a normal person, you'd assume the money existed. This wasn't the case. Even though I added funds to my account inbetween that, it wasn't until I was next to {$0.00} that it retroactively applied, then changed my account statement to show that the credit never existed in the first place, after almost two months too. It changed every transaction to show it didn't exist, which is very easy to prove, as if it didn't then multiple charges wouldn't have been approved. It was only after, when they deleted the credit and applied it retroactively that it shows negative balances on transactions. Transactions that would have never been allowed if they didn't create such a false narrative and allow people to spend money that they were going to take back and retroactively change statements with. 

To me this is a massive problem. Imagine being a consumer, struggling to get by, checking you account, thinking you have money, buying food just to have your account change overnight, just because they could circumvent the law by giving you " credit '' to just to take it back then hit you with multiple overdraft fees when it benefits them the most.

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 2021-03-01 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I opened a dispute since XXXX with XXXX regarding an account wrong in my file from XXXX XXXX, I never opened an account with them. I called them today XX/XX/21 and spoke XXXX XXXX XXXX I think was her name from customer service and I gave her all my personal information and she did not find any account under my name. She recommend me to send a letter to them so they can contact me to open an investigation. I sent the letter today to see if I can resolve this situation that is causing me a lot of problems already with my credit. 

Also, I have the same issue with another account with Comenity Capital/CHLD, not mine and is in my XXXX credit file. I called them today also and spoke with XXXX in the secure accounts area and she said that she only have the account from XXXX which I paid in full in XXXX and it shows closed in their system but XXXX still have it open with normal balance I have at the beginning of {$500.00} something. XXXX then checked the one I saw in my file that I don't know what it is under Comenity Capital/CHLD and she said that there is nothing under this name that I only have the XXXX  which is closed since XXXX. She said that I was in need to talk with XXXX because apparently they added it by mistake to my file. I will not contact them back, I tried today and the rep. told me that their system was down and she could not help me the way I need it but she recommend me to open my disputes here and that would help to resolve my situation. I tried to buy a wash mashine that I need yesterday and it was denied because my score it's so low now that no one is going to give me credit until I fix the 4 accounts XXXX have in my file that are not mine.

Company response to consumer: Closed with non-monetary relief