vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: FL

Complaint narrative:
To whom this concern, I am writing this letter out of shame. It took some time for me to get the courage to reach out to anyone with this personal financial problem. If I want to help myself, I am going to have to ask for help regarding several credit flags from State Employee Credit Union ( SECU ). I wanted to include some account information, to help you access my account easily if investigation is necessary, XXXX XXXX # XXXX confirmed that he could not give me the old account number. Since all cards were closed, I also could not get access online to obtain any details to support this complaint. My relocation is the reason I can not help myself with SECU. 

I did have a credit card with SECU. Frankly, I dont even remember the last time I used the credit card. Theres a {$1000.00} charge off for the credit card. I remember paying the card off but between then, now, and Covid-19 in between Im not certain. There is a currently active {$350.00} line of credit with {$940.00} being the highest balance. I asked XXXX to clarify how both can exist, but she ignored the question and focused on the {$1000.00} charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
On XX/XX/2021, I received a check from my mortgage company for an escrow refund. 

They claimed I had overpaid by escrow by {$1300.00} and they were sending me a check. 

I logged onto my homeowner insurance 's and noticed my {$1600.00} annual payment had been missed. The insurance payment was due XX/XX/XXXX and the escrow company / mortgage servicer forgot to pay it. 

This is unacceptable. The insurance on the house would have expired if I hadn't logged on and checked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was a part of a multi-state class action lawsuit against XXXX who operates as XXXX XXXX. I was paid out for their gross negligence and was told that the problem would be resolved on my credit report, as to date, if has not. They inaccurately reported my loan as late on XXXX when the loan was paid in full in XXXX. The law suit should have resolved this matter

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 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was a part of a multi-state class action lawsuit against XXXX who operates as XXXX XXXX. I was paid out for their gross negligence and was told that the problem would be resolved on my credit report, as to date, if has not. They inaccurately reported my loan as late on XXXX when the loan was paid in full in XXXX. The law suit should have resolved this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was a part of a multi-state class action lawsuit against XXXX who operates as XXXX XXXX. I was paid out for their gross negligence and was told that the problem would be resolved on my credit report, as to date, if has not. They inaccurately reported my loan as late on XXXX when the loan was paid in full in XXXX. The law suit should have resolved this matter

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 2021-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I previously have submitted a complaint to PayPal regarding my account being limited access due to suspicious activity. In my CFPB response letter from PayPal inc. they stated that my current PayPal account is limited because they alleged a violation of Restricted activity and hold section of the user agreement. I called today XX/XX/XXXX to PayPal because a supervisor was supposed to give me a callback for a reconsideration because I have showed proof that their security system was a false positive of fraudulent activity on my account. I havent received any callbacks and today I spoke to PayPal collection department which they stated that I still have a negative balance of my previous PayPal account back in XXXX and I advised the representative that I have already payed off that debt which PayPal sold the to XXXX XXXX. PayPal has no legal rights to that account once sold to a debt collector and I have the letter to confirm my debt settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I was a part of a multi-state class action lawsuit against Santander who operates as Chrysler XXXX. I was paid out for their gross negligence and was told that the problem would be resolved on my credit report, as to date, if has not. They inaccurately reported my loan as late on XXXX when the loan was paid in full in XXXX. The law suit should have resolved this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: TX

Complaint narrative:
vehicle loan charged off -car was totaled and placed with the city -had 4 payments left on it -was not told that my car had been totaled. Received a certified letter from city regarding having my car. Amount about XXXX at least with late fees included

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: AZ

Complaint narrative:
XX/XX/2021. 
I was notified by the U.S. Office of Personnel Management that there was new potential adverse reporting on my three credit bureau files. XXXX XXXX XXXX, XXXX, opened a report of a collection on XX/XX/2021. They claim that I had an account with XXXX XXXX that hadn't been paid and recorded the following with each credit reporting agency. 

Date Opened XX/XX/2021 Responsibility Individual Account Account Type Open Account Loan Type Collection Agency/Attorney Balance {$270.00} Date Updated XX/XX/2021 High Balance {$210.00} Original Creditor XXXX XXXX Past Due {$270.00} Pay Status In Collection On XX/XX/2021, I filed disputes with each of the agencies with requests for investigation. The account in collection status is not mine and I have never ordered or purchased a product from XXXX XXXX. I have filed fraud alert with all three credit reporting agencies, and have locked my credit files to prevent further access to them. 

The results of each investigation follows : XX/XX/2021. XXXX  XXXX XXXX cleared the collection account and deleted it from my report. 
XX/XX/2021. XXXX  XXXX XXXX XXXX cleared the collection account and deleted it from my report. 
XX/XX/2021. Equifax Credit Reporting Bureau upheld the collection account and stated they investigated and XXXX XXXX provided them with verification. I re-opened the dispute because the verification of information had never been given to me, the consumer. 
XX/XX/2021. I sent a formal request for verification to XXXX XXXX XXXX by Certified Mail, return receipt was requested. The letter formally requested written verification from the Collection Agency and the letter was copied to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
CHRYSLER CAPITAL. XX/XX/2021 we paid our normal {$710.00} a month payment not knowing it was our final payoff amount. Then we were hit with a late payment when it wasnt late, may we pay {$1100.00} which is what it stated on the website to pay as a pay off when we didnt realize we were supposed to pay {$1400.00} ( short {$300.00} ) which we had no idea because we only paid what it said too. we immediately paid the remaining amount as soon as we got a letter in the mail stating we were short and late. Tried to fix it with Chrysler capital since we hadnt been late in over 2 years especially since it was our last payment. Why would we be late on our VERY last payment if we knew ... its just very upsetting since we were trying to buy a house and now our credit isnt where it should be by this accidental late payment. Ive already reached out to the company trying to get a goodwill deal with them since the loan is paid off already, and theyre refusing to remove the late payments even though its fully paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: SC

Complaint narrative:
So I had a personal account with PayPal for years. I just upgraded it to a XXXX  account over the last few months since I never had a problem with my personal account. Prior to doing my XXXX  with PayPal I was having my XXXX  send payments by cash app. When I had the chance to upgrade my personal account to a XXXX  account I agreed because I felt PayPal would be the more secure way. On XX/XX/2021 I received a email saying my PayPal account is locked and I cant have access to my funds for 180 days. How is that even legal? Well I contacted PayPal and no one could explain to me why my account was locked/closed, just that I violated a rule but unable to tell me what rule. Well I have clients that paid me to repair their credit and Im unable to access any funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I lost my job due to illness and was not able to pay -never received documents. Placed on my credit for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Me and my granddaughter share an account at Navy Federal, I had to be out on the account because she was a minor at the time and they needed a joint signer so I signed up with her. We have this account opened for quite sometime, then one day I noticed the account was drained and I got a letter from Navy Fed telling me they will start taking money out of my other accounts if this is not paid. I spoke with them and found out an {$8000.00} check was deposited but we did not do this deposit. I disputed this with them and they said that I am held responsible. I also disputed the individual charges with Navy Federal and they keep claiming they never received my dispute documents even though I sent them twice. They also claim that they have video of the person doing this but they will not show me the video, or go after the person who did this. I have tried to subpoena the bank via the law enforcement officer I filed a police report with and even the officer will not help. We are a victim of fraud, we did not do these charges or deposit a bad check into the account. I need this resolved and my money given back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
on XX/XX/XXXX ( XXXX Bank statement date ) I contacted Bpnniville Collections to set up a payment plan for a deliquent debt ( XXXX ) for the debt amount stated on my credit report {$780.00} i paid {$170.00} over the phone on XXXX then each week after on thursdays for 5 weeks i would pay {$120.00} is what Bonniville Collections agreed would be ok to do to pay my amount owed from the deliquent debt on my credit report. 
Payment Made to Bonniville Collections : XXXX {$170.00} XXXX {$120.00} XXXX {$12.00} XXXX {$110.00} -- -- -- -- -- -- -- -- -- -- -- - total paid {$420.00} XXXX DEBT {$780.00} _________________ {$330.00} AMOUNT OWED AFTER THE XXXX PAYMENTS i MADE. 

On XX/XX/XXXX i paid my payment over phone as payment plan agreed on .I asked what is my updated balance owed after making 3 payments to them for my debt from original creditor XXXX the new balance Bonnivillde Collections is now over a {$100000.00}. I asked why is it more then before i started payments they stated that a debt in their records shows i owe {$860.00} for a delinquent account from XXXX XXXX XXXX from XX/XX/XXXX. I asked why was I not told this when i called to set up payments they did not respond so I then asked them to email me the info on the debt from XXXX XXXX XXXX thsat was date back XX/XX/XXXX. They said they emailed me that info. I did not receive an email about that debt from northwest natural gas. They did state that the delinquent debt was past the statues of limitations when i told them that I am going to file a complaint about this issue. I feel that I should of been notified about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
My name is XXXX XXXX. I was approved for a PPP loan through XXXX and the lender XXXX for the amount of {$20000.00}. My loan # is XXXX. I am an XXXX XXXX XXXX XXXX, and I operate my XXXX  as a XXXX XXXX, so I do not have a XXXX  checking account, nor am I required to deposit my PPP loan into a XXXX  account. However, my personal checking account at TD bank ending in XXXX froze my funds for just this reason, since XXXX. I can provide anything required of me to prove my ownership of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: PA

Complaint narrative:
Cardinal Financial Company NMLS ID # XXXX performed a hard credit enquiry without my consent. I phoned Cardinal. A representative said since you do not have an account with us there is nothing we can do. 
I did stupidly click on an add from Cardinal to try to see a rate and added my phone number. I received many, many calls from cardinal financial, none of which I answered. I did not ever give my consent to a hard inquiry or applied for a mortgage loan. When checking my credit through XXXX XXXX it read A mortgage Lender Checked your credit. You have until XX/XX/XXXX to get more offers without affecting your credit again. 
Underneath this statement it said Cardinal Financial Company. Again, I never applied for a loan or authorized a hard credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart
State: MO

Complaint narrative:
I XXXX XXXX, entered into a consumer credit transaction with UNIVERSAL CREDIT ACCEPTANCE , INC. d/b/a INSTACREDIT AUTOMART on XX/XX/2018. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but UNIVERSAL CREDIT ACCEPTANCE , INC. d/b/a/ INSTACREDIT AUTOMART in fact took cash. The finance charge is supposed to include insurance, but UCA, INC d/b/a INSTACREDIT AUTOMART made me purchase insurance separately. UCA, INC. d/b/a INSTACREDIT AUTOMART did not present me with a Right of Rescission in this consumer credit transaction which is a violation of 15 USC 1635. Upon violating my rights as a consumer under Truth & Lending Act, this same company also committed fraud under the FDCPA. These FDCPA violations include invading my privacy, contacting me multiple times that were inconvenient to me, continuously harassed me, used profane and obscene language, hurt my reputation as a consumer, sold the alleged debt to coerce payment, illegally repossessed my vehicle twice, used unfair and unconscionable means to collect the alleged debt, furnished misleading and deceptive forms, and has caused a tremendous amount of actual damages behind these fraud acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
On XX/XX/XXXX I was charged {$94.00} from a gas station on my XXXX XXXX Mastercard ( Barclay 's Bank ). On XX/XX/XXXX I was charged {$95.00} from the same gas station. These were both on my XXXX statement. I reported it as a fraud, the company cancelled that card and issued another one. My car would never hold that much gas and certainly not two days in a row for that much money. They took the {$94.00} off my bill on the XXXX statement but instead of taking the {$95.00} charge ( from XX/XX/XXXX ), they charged me again {$95.00} ( so that's two charges I don't owe anyone now ). I have called at least 5 times since then to report this and they keep giving excuses. I have a letter from them saying I don't owe anything and the fraud will be taken off but they never do it. They put me on hold for an hour each time I call in hopes ( no doubt ) that I will give up. Something must be done about this company.

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 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
This is for Barclay credit card : For some reason I was locked out of my phone APP and on-line account. They provided a number for me to call. I have called the number they provided two times and the customer service line once. The first time I was on hold for over 15 minutes and had to end call. The second time I was on hold for over 25 minutes and again had to end call. On my third attempt to the customer service line I was on hold for over 30 minutes and had to end call. I do not feel this is a reasonable wait time. I tried to email them but I have to log in to do so and told I have to call the number provided to resolve the issue. I have no way to access my account on-line. All I am looking to do is unfreeze my account. I don't believe I have a balance but do not want to get charged or a negative credit report in case something unexpected shows up.

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 2021-08-06 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: AL

Complaint narrative:
Eqifax is reporting Alabama XXXX ( XXXX ) acct is currently in collections it is also reporting the account is 90 days late ... both are incorrect ... XXXX doesn't have a collection company listed for the account.i called to get the collection agency number, they don't have.so I don't know how equifax is reporting this account as a collection account.the account was due XXXX XXXX I made a payment on XX/XX/2019 and a payment on XX/XX/2019 ... XXXX rep. stated the account should have never went to collections ... it didn't..because XXXX  or equifax can't provide the collection agency contact number. I need this account removed or to report a positive status.

Company response to consumer: Closed with explanation