vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
In XXXX of 2020 we purchased a vehicle from XXXX after our car was totaled by someone who had ran a stop sign. Upon purchasing we were asked for our banking information and desired payment option and guaranteed that automatic draft payments would be made from the account provided. Santander Consumers was NEVER mentioned to us until the car was repossessed. We were also under the impression that the payments were coming out automatically until the day of repossession. When we called Santander we explained this to them as well as our reduction of income due to Covid-19. We also explained that we would pay the balance owed to catch up and they refused, stating that the account was too new to be reinstated. They told us our only option was to pay the remaining XXXX left on the loan. My husband basically begged them to let us pay what we owed being that he is currently XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX soon and has no other means of transportation. They still refused. We were completely unaware that the payments were not coming out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I spoke with BMW Finacial about the first payment since I was trying to make an extra payment to go to the principal the payment is of XXXX, I did a payment for XXXX $ thinking that it will apply all to the principal. The next day I did realize that not all apply to the principal and I called BMW Finacial to see what happened the Customer services Rep. 
State that since it was paid the full amount due it will not apply to the principal, so I did paid the remaining balance witch it was {$130.00} to make the full payment I told him that a payment of {$330.00} will apply on the due date and I asked him if it will go to the principal, he state that it will, the due date came today and only apply XXXX $ of the XXXX $ to the principal which it was not what the BMW Finacial rep state. I called them to see what happened and they will not help me even they gave me the wrong information and the manager XXXX said to fill a complain but he will not help me and there is nothing they can do even one of their employees is giving the wrong information. defiantly a bad experience no much help and rudeness and misleading information for part of them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, I purchased concert tickets for a total of {$740.00}. Concert was cancelled and the credit was posted to my account with Chase. 

On XX/XX/2020, I had paid off my balance of {$1700.00}. Yet 2 days later when my credit was posted they deducted it from my balance I had, even though that payment would not be due until XX/XX/XXXX. Those monies are owed to the 6 different people that purchased tickets and I need it to reimburse it to them. Chase should not be able to keep my money since I had made my payment, in full, 2 days earlier. 

I talked to supervisor, XXXX, and was told that that's what my agreement states. I feel that it is not legal for Chase to have access to my return. By doing so, it would make 2 payments made to them within 2 days. 

I need a check for the credit that was given to me so that I'm able to return monies to different parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
RE : Acct XXXX Synchrony Bank / Steinmart Credit Card Dear Sir or Madam : I have been trying to get a resolution for over 6 months on a fraudulent charge. Last time I spoke with a customer service representative with Synchrony, I was told to " Just pay it ''. I did not make the charge and can not get anyone to help. Please see my synopsis below : I am writing to dispute fraudulent charges on my account in the amount in the amount of {$200.00} on XX/XX/XXXX. 
I did not make these charges. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
I am listing the calls I have made to your fraud department trying to rectify this situation. 
XXXX XXXX reported fraud to my account XX/XX/XXXX called again XXXX, XXXX, XXXX XX/XX/XXXX ( on or about ) I also went to Steinmart in XXXX, TX on the XXXX and XXXX of XXXX and spoke with XXXX ' the assistant manager. She was going to 'look into it ' for me. I have not heard back. 
XX/XX/XXXX Received a letter from Synchrony banks stating they had closed my account and notified the major credit bureaus. 
XX/XX/XXXX Received a letter from Synchrony Fraud Team stating " I had accepted responsibility for the charges ... .I had benefited from the purchase ''

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 2020-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 I did 3 transactions with Xoom and a further 2 transactions on XX/XX/2020. Xoom has not processed any of these transactions and its over a week later. I have called Xoom everyday and they have repeatedly told me that it is the fault of their exchange partner in XXXX XXXX. I then phoned their exhange partner in XXXX XXXX, XXXX who confirmed that they have no technical issues and that Xoom has simply not sent them the funds. A number of other XXXX XXXX in the USA are experiencing the exact same problem. Xoom are unwilling to assist and just keep on blaming their partner in XXXX XXXX. I for one, support a family member in XXXX XXXX who has been unable to buy food because of this. It is completely unacceptable and would appreciate assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
PayPal has been deceptive in their fees. I have been selling items on XXXX, and PayPal charges the shipping fees, as well as holds the profits from the sale. PayPal is charging BOTH my PayPal account and my checking account for shipping fees associated with selling my items on XXXX. I've contacted both XXXX and PayPal numerous times, particularly in the Month of XXXX. XX/XX/XXXX was the last day of the conversations with PayPal and XXXX. Both companies should have our conversation history with dates. Both XXXX and PayPal kept giving me the runaround -- saying it was XXXX XXXX fault -- and vice versa. 

Furthermore, when I try to sell items on XXXX -- it asks me to chose the method of payment. If I select PayPal -- the ONLY options PayPal gives me are my personal checking/credit accounts. I want PayPal to be the payment method -- not my personal accounts, and certainly not both accounts. 

I finally -- on my own -- discovered how to stop the bleeding on future transactions, but I still have ten transactions that are owed refunds. The way I figured it out was to go into PayPal, find automatic payments. There, you can see my checking account is associated with my paypal account and ebay account -- this is where I was double charged. I clicked to deactivate this automatic payment -- then started a new automatic payments with PayPal only -- not linking a checking account. Now, when I sell on ebay -- it directed me to Paypal, and the only option for automatic payments was PayPal, and not my personal accounts. This seems to be an obvious UDAAP violation. 

The amount of runaround I received from dozens of representatives from PayPal and XXXX was absurd. I asked to escalate the issue numerous times and nothing was done. 

Here are the transactions with dates and cost that still need resolution ( my name redacted with X ) : XX/XX/XXXX PAYPAL INST XFER {$3.00} XX/XX/XXXX PAYPAL INST XFER {$3.00} XX/XX/XXXX PAYPAL INST XFER {$2.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX   XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX  XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$2.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing dispute with Capital One on {$990.00} collection write off that I was forced to pay in XX/XX/XXXX. I had XXXX XXXX and on XXXX from XX/XX/XXXX until XX/XX/XXXX due to XXXX and unemployed. Had requested to be put on payment plan and they had agreed. Come to find out nothing had been done and put me delinquent XXXX - XX/XX/XXXX, showing 120-149 days late, stating dispute resolved. I did not approve having my credit history so reflect this for the next 7 to 10 years and negatively impact my loans and my family. Please help in rectifying this. We are also affected by current Covid situation and this is preventing financial hardship resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After I ran an application for home loan and was told that child support report is still on my history from 2014! I already made two dispute through XXXX XXXX and Experian on same month of XXXX. Since I noticed that file was made from year 2014. Then the whole six years it have been there on my history without me knowing it. However, it was paid in year 2014. Why is it not closed and removed? It need to be removed 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 2020-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE
State: ME

Complaint narrative:
On XX/XX/24 my parents received a checkbook for a new account for high yield savings account with Charles Schwab. Additionally, there was a message left on their home message machine from a " Charles Schwab Rep '' requesting a callback to a number that is not associated with Charles Schwab.

I called the Charles Schwab fraud line and they told me they could close the accounts and that they had been flagged as potentially fraudulent from the start but that information had been provided to pass through the fraud checks.

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 2020-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed a few accounts on my credit report back on XX/XX/XXXX. It has been nearly two full months and I have heard absolutely nothing from the credit bureaus. I understand that mail may be delayed a bit due to Covid,  but it is nearly double the time they have to respond. I believe that they have no intention of responding to me and that is unacceptable.

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 2020-07-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed a few accounts on my credit report back on XX/XX/XXXX. It has been nearly two full months and I have heard absolutely nothing from the credit bureaus. I understand that mail may be delayed a bit due to Covid,  but it is nearly double the time they have to respond. I believe that they have no intention of responding to me and that is unacceptable.

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 2020-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
On XX/XX/2020 at XXXX XXXX I emailed a letter to XXXX regarding the FRCA Section 609 ( a ) ( 1 ) ( A ) where Bureaus Investment Group Portfolio is required by federal law to provide - THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT - I was told that I should be receiving verifiable proof with in 7 business day. I have not received any physical proof that this debt belongs to me. 

I am demanding that Bureaus Investment Group Portfolio deletes any information currently being reported to the credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
NCB Management Sevices company is practicing illegal collection activity and also inaccurate credit reporting. Back in XXXX of XXXX I contacted this company after I noticed they put a collection account on my credit after I filed chap XXXX Bankruptcy and discharged as of XX/XX/XXXX. I contacted them and filed a XXXX  report. I rec 'd a letter from the Chief Compliance Officer by the name of XXXX XXXX, and it states verbatim that they ( NCB management ) will remove all things that are reporting on my credit for all 3 bureaus effective immediately. They did state that it could take up to 60 days. I look in XXXX of XXXX and everything was removed. Well last week around XX/XX/XXXX, I looked on my credit because I go an alert and yes, the item they removed in error was back on my credit. When I called them yesterday XX/XX/XXXX, they acted as if they had no clue what I was talking about. I req 'd to speak to a manager. His name was XXXX and he said it was put on my credit again XX/XX/XXXX. I told him that was the same date of the letter sent by XXXX and they are practicing illegal collection and reporting practices and I'm going to report them again. So here we are and I need to know why this collection company is still in business and making false claims against my credit with no regard. I would like this addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: MD

Complaint narrative:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1400.00}, dates open XX/XX/XXXX closed XX/XX/XXXX. 

XXXX XXXX ( aka XXXX XXXX ) - balance is showing as {$480.00}, Closed XX/XX/XXXX, opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Tried to do an external transfer from my credit union checking to my PnC checking and it said PNC prohibited it. XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have reached out to Wells Fargo requesting a letter for our lender saying our CC 's have been paid off. They refused to send it to anyone else rather than my lender allowing me access to my information.

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 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I started a refi process in late XXXX of XXXX. Due to the efficiencies of Freedom Mortgage, it is now XX/XX/XXXX and I get this message : I am now able to submit your loan to our underwriter today but I have two concerns that I need to bring to your attention Your credit report is due to expire this Sunday and will need to be reorder a new report prior to your loan closing. Please let me know if I have your permission to do so. 
The appraisal report is due to expire on XX/XX/XXXX, and the title company we are using are not accepting any additional closing before XXXX, therefore we need to order an appraisal recertification. 


Please let me know if you wish to move forward. The credit report can be done in a few minutes, the recertification will add a few days to our process, it depends on the appraiser. 

Now I will have another inquiry on my credit report because of this company 's inefficiency. This has been a time consuming process ( 4  months ) that has cost me money in interest and PMI and now - unnecessarily - on my credit score.

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 2020-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: KY

Complaint narrative:
My daughter 's ex boyfriend used my name and information to obtain an XXXX without me knowing anything about it. This debt was for {$2000.00} with XXXX XXXX. I have filed a complaint with my local police department. I filed a complaint online and I complained to XXXX and I can't get it removed from my credit report. This debt is not mine and I was not ever aware of it until I received a collection notice. It is theft and fraud and I want it removed from my credit report. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HCFS Healthcare Financial Services of TeamHealth
State: IN

Complaint narrative:
Beginning in XX/XX/2020, I began to get automated phone calls from HRRG. They continue to leave me several voicemails each week from several different numbers. The messages never specify whom they are attempting to contact, but I do not owe anyone any debt due to having filed a Chapter XXXX Bankruptcy.

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 2020-07-24 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: CA

Complaint narrative:
There is a fraudulent account from XXXX XXXX XXXX reporting on my Equifax credit report and I submitted ; FTC report, personal statement, police report and notarized statement and Equifax never cleared the fraudulent account from my report. Its been close to 60+ days and the item has not been removed.

Company response to consumer: Closed with explanation