vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-22 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: AR

Complaint narrative:
We had a total loss on our vehicle on XX/XX/XXXX. Our insurance company sent the pay off check on XX/XX/XXXX and it was signed for at Chrysler Capital XXXX XXXX XXXX XXXX, XXXX TX XXXX on XX/XX/XXXX @ XXXX XXXX. After numerous phone calls to Chrysler, we were told that the check can not be located and had to wait 30 days to see if they could find it. On XX/XX/XXXX we received a call from Chrysler that they can not locate the check and we needed to contact our insurance to stop payment and re-issue. That was done and the 2nd check was signed for on XX/XX/XXXX at XXXX XXXX. In the meantime, Chrysler located the first check, which had a stop payment on it, and applied it to our account. They realized their mistake and took it off of our account. Now they can not locate the 2nd pay off check. I have a difficult time, obtaining updates and explanations as to why this is happening. This is now going on 6 weeks and may have to wait another 30 days and repeat the same process. Our account is in the " Executive Office '' but is not assigned to anyone in particular. When we call, we get a new person and then told " We are very sorry but you will have to wait for us to investigate ''. This is not reflecting on our credit as late yet, but it is reflecting on our credit that we are carrying 2 large auto loans. This one and the replacement vehicle that we had to purchase. We can not get a straight answer as to why this is happening. What are the chances of 2 payoff checks getting misplaced that was signed for by 2 different people. We just feel like our hands are tied and can't do a thing about it. We will NEVER finance through Chrysler again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
In regards to TMS response. It is obvious the did not read my concerns & their only concern is about being right. If they took the to understand that I have had an issue with our bill pay & TMS not receiving my payment in time. According to our payment we made in XX/XX/XXXX it was received by TMS on XX/XX/29. TMS is claiming they received on XX/XX/XXXX. Causing a late on my credit report. The same issue happened in XX/XX/XXXX. We made a partial payment and the final payment again on XX/XX/XXXX which would have been the remaining amount due. Once again, we did our payment via bill through XXXX. Once again, XXXX stated it was delivered, we waited & waited & the payment did not post to the account. We contacted XXXX & they said the error was theirs which we provided proof in our first complaint which fell on deaf ears because TMS HAS TO BE RIGHT ALL OF THE TIME. The error wasn't ours. There was an issue with the bill pay. And I was reported late once again. I had been in communication with TMS and exlained my situation several times. A customer service rep advised us to provide the paperwork from XXXX XXXX XXXX  which I did in my first complaint. Which I know you didn't even bother to read. If you would have you would have seen the communication between XXXX and myself. I am respectfully asking you take a moment to see the error was with XXXX - and I shouldn't be penalized for their misktake. I am asking for a Manager to review the information previously provided & for someone at TMS to care about their customers. The service I have been receiving is horrible and I am beginning to feel as I am being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I have been trying to get verification about this fraudulent account from Enhanced Recovery Company, after numerous attempts they still are reporting this fraudulent account to my credit reports without sending me any verification and violating the fair credit reporting act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Transunion continues to ignore my disputes and not fix the problem. I have repeatedly disputed some of the items over and over and over again. To no avail, even with proof the account is inaccurate, they simply send an Email stating the investigation is complete, when they are not investigating accurately AT ALL. Specifically : On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX and it states it is accurate when in fact it is not. This is a sold debt that was in fact closed on with XXXX with no monies being owed to that party, as I was not in a contract with them. Further, this account is being reported as if its a new debt and in fact it is not. Lastly, I have RECEIVED NO communication from XXXX XXXX about this debt- AT ALL. 

On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX. This car was totaled in an accident and the car was paid off by my insurance agency, XXXX XXXX and there was NEVER a late payment. In fact, the car was paid off 7 days after the accident. I DO NOT CARE what XXXX XXXX   tells you it is proof of this with the XXXX PD and of course XXXX   XXXX. It remains inaccurate on my report and you have NOT done due diligence according to FDCPA. 

On XX/XX/2019 : For the 5th time- I disputed : XXXX  XXXX # XXXX. I still have my XXXX XXXX account open and this {$77.00} is incorrect. 

On XX/XX/2019 : I disputed : XXXX XXXX # XXXX There was NEVER a late payment with this account. I received a 2 month forbearance due to dealer tag and title paperwork to tag the car was not sent to me in a proper timeframe upon purchase of the vehicle ( of no fault of my own ) XXXX is aware and I have documentation of proof to show ; Payments have just resumed. 

Lastly : on XX/XX/2019 : I disputed : XXXX XXXX  # XXXX : I have no knowledge of this company, I have not received any debt collection information from this company and further the debt in question is not mine! How is it this information can just appear on my report without any knowledge to me of the who, what, when, where or why? 

Transunion and the companies aforementioned are direct violation of FCRA.

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 2020-01-22 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: MI

Complaint narrative:
Today is XX/XX/XXXX. I just called Comenity Bank asking them where the check is they notified CFPB about. After being transferred 5x, having to hang up and call back to repeat the process, the end result was a manager of the department getting rude with me, talking over me, stating, " I don't care what the response to CFPB was, we have cancelled the payment of XXXX and the check you already got for {$120.00} is all you're getting! '' In addition, the account is NOT closed to XXXX  for XXXX. The refunds they are sending me are being added back to the balance and the account is not closed despite their letters. 

Please re-open XXXX as their response is an out right LIE to you and to me. They have NOT sent me the check for XXXX -- they've in fact cancelled it. The letter dated XX/XX/XXXX showing they found the account for XXXX Fraudulent and set to XXXX and they would be contacting the bureaus to update this information -- they now tell me it is null and void -- doesn't exist. 

This company does not know what they are talking about. I have asked for original contract, proof of physical signature, recording by audio/phone of me asking for a line of credit and they refuse to send it to me. I don't need statements. I need what I am asking for!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: CA

Complaint narrative:
STAY AWAY FROM CASH APP!!!

I have never opened a Visa Cash Card through Cash App. There  is no where on their website under Contact Support to get through to a person or submit an inquiry as to why and how this account was established. Nor cancel the cash app Visa card. 

I think I have unlinked my email, but not really sure as this is not a very self explained website you go in. It sort of gives instructions that leads to no where. 

There is no way to get a hold of a live operator to dispute this fraud account either. The number they have is a recording and leaves you with nothing to go with and no option to speak to someone. 

Before this cash card came in the mail, I had to dispute a fraud charge by unknown trying to pay merchants with this cash app account through my debit XXXX account. Luckily, XXXX noticed this fraud and contacted me immediately to stop payment. 

This cash app account isnt safe and needs to discontinue service or shutdown completely. 

XXXX is much better and safer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On XX/XX/20 I initiated a one-time {$800.00} deposit into my Credit Karma savings account from my bank account. 

On XX/XX/20 Credit Karma transfers the {$800.00} and then initiates three more transfers for {$800.00} totaling {$2400.00}. Credit Karma then returns {$800.00}. Now I'm missing {$1600.00}. It's not in my bank account and it's not in my Credit Karma account. 

My Bank, XXXX XXXX XXXX XXXX told me I need to contact Credit Karma and that each {$800.00} transfer is its own line item, not multiple attempts to process the same transaction. 

Credit Karma does not have a listed customer support phone number, but they do have a help desk. On XX/XX/20, I submitted three incident reports asking for help. I have received no response. I realize they may need more time to reply, but any credit they issue will require 2-3 days to process. I'm nearing the end of the month and my account is now in the negative. 

I found a phone number on my statement summary. It is just a recording asking the customer to leave a detailed message about the issue. I left a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Repeated frequent calls from numbers and locations all over the country from Portfolio Recovery. I have repeatedly stated to them that I do not have any business with them and asked them to quit calling me. This has been going on for 2-3 months now.

I receive an average of 3-4 calls daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX a avp at XXXX XXXX  in XXXX of XXXX Accessed my bank account, credit cards, and rent by using stolen accounts from people applying for mortgages at XXXX. I stopped working for the company back in XXXX and starting in XXXX he stole peoples information and use me and my information as a cover-up for fraud. He got into my bank accounts and credit cards, doing test deposits, making fraudulent charges and tried to make payments before I could find out. When it cleared he went to XXXX and XXXX XXXX to commit bigger fraud. I wasnt aware of the situation and I didnt know how bad it was until my bank accounts were frozen and credit cards canceled due to fraud. As the months went on I started getting updates from my credit report and banking institutions along with the police and feds About how deep the fraud went. I was cleared of all charges and capital one refuses to delete the 90 day negative payment history and charges off my credit due to they keep confirming its my credit card which I never denied. I have had this card since XXXX with outstanding report history. But the fraud charges that was committed on my card and payments fraudulently causing my cards to close I dont accept accountability for. I lost my {$300.00} deposit and want me to pay over {$800.00} suggesting that I make payments for fraud activity to stop the negative reporting then waiting for possible reimbursement is a scam due to they can take my money and never pay it back leaving me more in debt than the damage already caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: AR

Complaint narrative:
XXXX  continues to ignore my disputes and not fix the problem. I have repeatedly disputed some of the items over and over and over again. To no avail, even with proof the account is inaccurate, they simply send an Email stating the investigation is complete, when they are not investigating accurately AT ALL. Specifically : On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX and it states it is accurate when in fact it is not. This is a sold debt that was in fact closed on with XXXX with no monies being owed to that party, as I was not in a contract with them. Further, this account is being reported as if its a new debt and in fact it is not. Lastly, I have RECEIVED NO communication from XXXX XXXX about this debt- AT ALL. 

On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX. This car was totaled in an accident and the car was paid off by my insurance agency, XXXX XXXX and there was NEVER a late payment. In fact, the car was paid off 7 days after the accident. I DO NOT CARE what XXXX XXXX  tells you it is proof of this with the XXXX PD and of course XXXX XXXX. It remains inaccurate on my report and you have NOT done due diligence according to FDCPA. 

On XX/XX/2019 : For the 5th time- I disputed : XXXX XXXX # XXXX. I still have my XXXX XXXX account open and this {$77.00} is incorrect. 

On XX/XX/2019 : I disputed : XXXX XXXX # XXXX There was NEVER a late payment with this account. I received a 2 month forbearance due to dealer tag and title paperwork to tag the car was not sent to me in a proper timeframe upon purchase of the vehicle ( of no fault of my own ) XXXX is aware and I have documentation of proof to show ; Payments have just resumed. 

Lastly : on XX/XX/2019 : I disputed : XX/XX/XXXX # XXXX : I have no knowledge of this company, I have not received any debt collection information from this company and further the debt in question is not mine! How is it this information can just appear on my report without any knowledge to me of the who, what, when, where or why? 

XXXX  and the companies aforementioned are direct violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: AR

Complaint narrative:
XXXX continues to ignore my disputes and not fix the problem. I have repeatedly disputed some of the items over and over and over again. To no avail, even with proof the account is inaccurate, they simply send an Email stating the investigation is complete, when they are not investigating accurately AT ALL. Specifically : On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX and it states it is accurate when in fact it is not. This is a sold debt that was in fact closed on with XXXX with no monies being owed to that party, as I was not in a contract with them. Further, this account is being reported as if its a new debt and in fact it is not. Lastly, I have RECEIVED NO communication from XXXX XXXX about this debt- AT ALL. 

On XX/XX/2019 : I disputed : XXXX XXXX, # XXXX. This car was totaled in an accident and the car was paid off by my insurance agency, XXXX XXXX and there was NEVER a late payment. In fact, the car was paid off 7 days after the accident. I DO NOT CARE what XXXX XXXX  tells you it is proof of this with the XXXX PD and of course XXXX XXXX. It remains inaccurate on my report and you have NOT done due diligence according to FDCPA. 

On XX/XX/2019 : For the 5th time- I disputed : XXXX  XXXX # XXXX. I still have my XXXX XXXX account open and this {$77.00} is incorrect. 

On XX/XX/2019 : I disputed : XXXX XXXX # XXXX There was NEVER a late payment with this account. I received a 2 month forbearance due to dealer tag and title paperwork to tag the car was not sent to me in a proper timeframe upon purchase of the vehicle ( of no fault of my own ) XXXX is aware and I have documentation of proof to show ; Payments have just resumed. 

Lastly : on XX/XX/2019 : I disputed : XXXX XXXX # XXXX : I have no knowledge of this company, I have not received any debt collection information from this company and further the debt in question is not mine! How is it this information can just appear on my report without any knowledge to me of the who, what, when, where or why? 

XXXX  and the companies aforementioned are direct violation of FCRA.

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 2020-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
The whole process with Bank of America was extremely unprofessional. First off, the loan officer I was working with spoke to me on a cell phone and not a recorded line which is violation with regulations. This took place from the time I started the process with them ( est : XX/XX/XXXX ) till I refused to talk to him anymore ( XX/XX/XXXX ) I told my loan officer multiple times that I wanted to escrow both my property taxes and HOI. He even emailed me at one point asking if I wanted to escrow my HOI and I told him again yes. I went to closing and the closing documents did not have me escrowing my HOI. Due to Bank of America already missing my closing by more then a week and how long it took them to create and send over the closing documents, I just proceeded with signing to cause no more delays. 

The whole Bank of America team was extremely unprofessional and inefficient. They were not sympathetic what so ever after we missed my closing date. During this whole process my loan officer messed up several times on my estimates and kept requesting for the same documents. Whenever me or my realtor would ask for an update he would not respond and the off chance that he did, he'd just reply " Working on it ''. We tried to contact his managers and even branch VP which for weeks none of them responded. After multiple attempts they final started responded but with the same short and unhelpful responses. I even attempted to go into a branch close by to me and see if someone within Bank of America could get ahold of someone for an update and they couldn't. On top of all of this, after the 3rd time we had to reschedule closing, my title agent reached out to my loan officer and was able to get in touch with him. She wanted an update on when she would receive the documents and he used profanity towards her.

I'm a mortgage loan officer and have worked and done business with a good amount of lenders. In all my time I've never seen such an unprofessional process from beginning to end. I hope everyone can see this and hopefully steer them from going with Bank of America in the future. I've talked to a few other people who have gone with Bank of America and they've all had similar experiences. I have been banking with them for over 10 years and will be changing banks 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 2020-01-22 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: ONEMAIN FINANCE CORPORATION
State: OH

Complaint narrative:
I want to complain these accounts because of its inaccuracy. There is only one late 120 days on this as a negative remark. The thing is, it is a clear inaccuracy. I believe this needs to be corrected. Please help me out as I am trying to build my credit that is up to par. Your help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My identity was stolen several years ago. Police report completed and sent to all Credit Reporting agencies to freeze my credit inquiries. The three have done so. 

When I need to lift a credit freeze TEMPORARILY, I could do this on line at my convenience. Unfortunately Experian requires my call to them to lift the freeze. 

The challenge is that I can not get through their telephone prompts and automated answers to get to a customer service representative to do so. The prompts leave me in a closed loop with no way to get to a person. 

Please help. This is hurting me and my financial activity

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