vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2020 XXXX  XXXX XXXX, delivered a check for {$610.00} to BMO Harris Bank for my car payment loan account. I had automatic monthly payments set up from my bank to BMO but kept getting late payment notices and after some research discovered one of the checks my bank sent was not applied to my account.

After numerous calls to BMO and my bank BOA, I obtained a copy of the check which clearly shows BMO cleared the payment at their bank on XX/XX/2020. I have spoken to least 18 different people, ( but could never speak to a manager ), and several at my bank. I was told by BMO 's agents, " the {$610.00} was sent back to my account where it came from '' ( its impossible, they don't have my banking information to make a deposit into my account ), I was told " a check was in the mail '', when I asked why are they sending a payment back I'm trying to make on my account, I was told " I'm just giving you the message I received from a manager '' ; I was told to " wait until they investigate where the money was credited at BMO 's bank ''. Its been 7 months and after more calls to BMO Bank, this issue still has not been resolved.

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 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
At Apple Bank I have a Business account under the name XXXX XXXX XXXX with Apple Bank and I noticed a total of {$450.00} in {$35.00} fees associated with the bank rejecting a charge to my account. I do not have any overdraft on my account and they did not pay the charge but instead put my account in the negative so they can keep charging my account and rejecting charges. The charges were made not using a check but my business debit card. Right now my account is - {$340.00}. They wrongly charged my account incorrect fees. 

I called Apple bank on Friday XX/XX/21 to discuss these fees and spoke to a supervisor who said she would call me back and did not. she also verified that I should not be charged these fees. I called back today Monday XX/XX/21 at XXXX XXXX and stated that I should discuss this with someone at the local branch and I tried to call the local branch and it closed at at XXXX. I feel like I am being given the run around. I would like some help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi Bank has been calling me every single day for the last 8 months, and they need to stop. They are never going to see another dime from me, so they may as well give up. The money they're claiming I owe them is from disputes I had filed that they completely mishandled. Due to COVID-19 and the stores ' policies at the time, I could not help the fact that stores were not accepting returns for clothing, food, and anything sanitary-related ... I also could not help that restaurants I went to sucked and they could not get their orders straight, or that they gave me food that was horrible quality, etc. 

With many disputes I had filed, I showed supporting documentation of my claim, and they STILL denied my disputes, just because the merchants responded showing bill of sale! Zero of my disputes argued that I did not authorize the purchases. They all were filed under different categories. So basically, the merchants would respond to my dispute unaccordingly, completely dodging my reasons for disputing, and Citi would automatically find in favor of said merchant!! 

I'm glad they closed my account, because I was going to close it anyway as I refuse to do business with XXXX  ... The purpose of this complaint is for Citi to stop calling me. If they want me to pay off my so-called debt, then they can either transfer it to a collection agency or not. Either way, there is absolutely no reason to be calling me every XXXX day, every day for 8 months. And either way, they're not getting my money. I will dispute the debt to the credit bureaus if need be ... 

Also, a response from the company will not be necessary. Although I'm sure they'll be brazen enough to respond, and their response will not be read.

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 2021-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
There is a multi-state class action against illegal lending practices. As a customer I'm experiencing problems with loan forgiveness on a car title. I contacted Santander in hopes to get my loan forgiven, or to get it modified. As of today they are charging me XXXX in interest on a XXXX loan. I have already paid off XXXX on the balance. The state of Texas isn't included in the class action, but the state of Louisiana is. Which is where the car was purchased. 
Over XXXX approved by the courts, for settlement payments, and loan forgiveness. 
I have reached out to the Attorney General of my state and the XXXX XXXX who is in charge of the settlement. 
I need help in getting Santander to do the right thing and actually help consumers. 
Over XXXX consumers having the same issue, please refer to the link for more on who other consumers are experiencing. 
Please help us bring light to this situation, instead of letting lawyers take advantage of the funds, and leaving consumers buried in debt with no capable resolution. 
https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo Mortgaging Service claims that your payment goes to the accrued interest, then principal, then escrow, if applicable. 

What really happens if you pay enough extra is that they apply the amount to the full interest and payment of TWO months. You lose the advantages of paying down the principal and a few hours time while you get them to correct the payment and pay to principal. my account is supposed to have a note to pay to principle even, so it does not happen. 

This has happened to me for EVERY payment since 2012. When I complained Wells Fargo said they made a mistake and it's been corrected ... so no follow-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 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
This lender is impossible to reach. No one, and I mean No one PICKS UP the telephone, even after being on hold XXXX minutes. COVID XXXX is NOT AN EXCUSE to not work. 

I need a payoff valid for 30 days on my loan. I can not get into my account online due to the fact no matter what I do, reset password, answer questions, I can not get into my account. 

Of course when you try to call, you will only get a machine that talks in circles. Absolutely useless XXXX Please help me get a 30 day payoff.

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 2021-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/2021, I received a payment of {$80.00} through PayPal. After their fees the payment is {$77.00}. This amount has been pending since XX/XX/XXXX. The entry shows the " Money Received '' by PayPal but they refuse to release the payment into my account. When I contacted them all they would tell me is that I have to contact the PAYER and ask him why PayPal will not release the funds. This is totally illogical and meantime PayPal is keeping the money. Here is the transaction detail : XXXX XXXX + {$77.00} PENDING XX/XX/2021 Money Received

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One continues to report erroneous information on my credit report despite numerous requests to have the fraudulent information removed over a period of months. I filed a police report detailing a fraudulent account listed on my credit report from Capital One and I also filed an identity theft packet directly with Capital One. Capital One responded and said that they verified my name, address and social security number and therefore determined that the account is mine. I am a victim of identity theft and my name, address and social security number have all been breached. This is an improper and malicious way to verify accounts after receiving valid police reports and documentation from me detailing the identity theft and crime. I also disputed the accounts with XXXX, XXXX, and XXXX, all of which blocked the fraudulent account with my police report pursuant to the Fair Credit Reporting Act. Capital One was notified of the blocks and failed to comply with federal law as they then insisted on requesting the blocks be lifted and fraudulent accounts be restored to my credit. The credit bureaus are now saying I need to address the matter with Capital One directly and Capital One insists on the saying fraudulent account is mine because my name, address and social security number match. This has been an ongoing nightmare for over 6 months now and is causing me great harm as fraudulent items continue on o appear on my credit reports and Capital One is knowingly reporting erroneous and inaccurate information for their companys financial gain at the expense of victims of identity theft and in strict violation to federal law!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: NY

Complaint narrative:
I got alert from experian mobile app stating that I had account deleted which was XXXX XXXX XXXX and then couple hours later get another alert stating more score had dropped because they added back on my credit report then I called experian dispute dept. and they stated that its automatic but the furnisher responded in time I asked her why was it deleted if the furnisher responded in time it never should of been deleted then if they still had time doesnt make sense to me maybe legal actions may have to be taken towards experian for a lawsuit

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 2021-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a XXXX credit card. I had this card since 2017. It is not showing up on my TransUnion credit report or XXXX credit report but it is on XXXX credit report. I have called XXXX and they informed me numerous times that a report was sent out to the credit agencies, showing this account belongs to you and to please add it to your credit report but again this account is still missing from 2 credit reports/agencies. I have also called and sent letters to TransUnion and XXXX letting them know this important information is missing from my credit report but again nothing has been done. I even sent them a statement by mail, from XXXX with my information showing this is my credit card account but still this information is missing from my credit report. It is hurting my credit making my score and credit report inaccurate. I have been sending letters and calling on this matter for 3 years now. Please help me with this problem/matter so all my credit reports can be accurate and look the same.

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 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: WA

Complaint narrative:
I have been disputing this account since XX/XX/2020 and I have been asking for verification documents to show that this account does in fact belong to me and they have not responded in writing with any information. When I contact these companies by phone they are not even able to locate my account with my name, social and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This collection appears on my credit report, I have never been in business with Credit Collection Services, Ive asked for proof for them to furnish my debt and liability and they havent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
My dispute is mostly with XXXX and XXXX but it was purchased with my Amex card and they are handling the dispute but in a very slow manner. 

In XXXX a XXXX handbag was purchased for {$3900.00} or so. Express/Next Day shipping was purchased and it should have been received on that Friday XX/XX/XXXX. As the day went on into late afternoon Friday, I called XXXX and they insisted that the package was in XXXX ( my destination ) and that it would still be there by XXXX at latest because oh holiday hours. I just had to be there to sign in. 
The package did not come. 

I called XXXX and XXXX on the following two days because each day it was said that the package was being delivered on the weekend and they still did not come. XXXX did give me {$21.00} back for shipping. 

On Monday XX/XX/14 I was on the phone with XXXX and XXXX around the XXXX XXXX time with more excuses and promises of delivery on this day. Because of how my schedule has be effected throughout the past three days I really didnt want to be consumed by this all again. Both parties made clear that if I didnt sign it on this 4th day of waiting, the package would be sent back to warehouse until the following day. 

At around XXXX I get an email notification saying that the package could not be delivered. I called in and service rep was saying that it was delivered which was false as I was home and its also confusing considering the email received. 

XXXX says that XXXX delivered my package and that it was signed which is impossible. I believe that XXXX employee either didnt deliver my package or signed it and left it somewhere else. This has been something that I have since researched and seen has been happening with some delivery companies. A police report was also submitted. 

When I originally fought this with Amex for fraud or stolen purchase, they said that they would jump right on it and it falls under Amex protection either way. After an initial review, my account was credited and then reversed with the resolution date constantly changing. 

This has been frustrating through a number of ways and has put me in a deeper financial burden without anything to show for it or reasonable way to account moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: NY

Complaint narrative:
Told credit bureau companies to remove additional names on credit report. In addition to addresses and employment.

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 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FEARON FINANCIAL LLC
State: CA

Complaint narrative:
I am a XXXX XXXX and own a XXXX XXXX in California. I have a client that went shopping for interest rate quotes for an upcoming purchase and got an email from a loan officer at XXXXXXXX XXXX that contained illegal information. 

It looks like depending on whether you get referred by a certain realtor or not, your closing costs and interest rate are different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
A Santander car loan class action website has been established to inform consumers of a proposed {$550.00} XXXX settlement that they may qualify for. 

Though the website is live, the settlement is not accepting claims at this time. A judge has yet to approve the settlement deal. Top Class Actions will provide information on how to file a claim as soon as the details are available. 

The {$550.00} XXXX settlement would resolve a probe by 34 state attorneys general into allegations that Santander issues unfair auto loans with excessive interest rates and other terms. These loans were allegedly offered to subprime consumers who were highly likely to default on the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I submitted identity theft police report for Victoria secret {$940.00}. The account doesnt belong to me. I am a victim of identity theft. I have never had an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: MONEY SOURCE, INC., THE
State: NJ

Complaint narrative:
I made my mtg payment on XX/XX/XXXX ( which was a Sunday ) usually the mtg company processes our payment the next business day. However, they processed it on the second and reported to the credit bureau as late which caused my score to drop 32 points! I tried calling them to rectify the situation to no avail. It was a matter of one day. Please have this updated me late payment removed from my report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Over the course of the past few days I have attempted to retrieve my credit score using a number of different credit reporting applications and services, most notably : Equifax, XXXX, XXXX XXXX, and XXXX XXXX. After entering my information in all of these services ( name, address, SS #, phone number etc ... ) all of them have told me the same thing : " your information does not match what the credit bureau has on file ''. This is extremely alarming, as I have double and triple checked my information every time, even with my mother, and all of the information I have entered is entirely correct, leading me to believe that the credit bureaus file on me must have incorrect information. I need to rectify this, as the time has come for me to buy an apartment. Thank you for your time, I hope to have this worked out soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I have a PayPal account and a PayPal prepaid account. $ disappears from my account. I look at the account summaries and the $ disappears without a trace. I write both installations of the company asking where my money went. I suggest that someone rewrites or underwrites my account statements. The company gives me the same copy and paste prewritten statements every time. It's provide transaction numbers and detailed information. Which isn't available because the website and app fail to provide accurate information. Premise $ missing without a trace, account summaries deny the existence of financial losses, apart of a financial theft crime ring and fraudulent call center installation. Mostly PayPal never lets on what happened to my money and fail to provide any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, XXXX, or transunion ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.

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