vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Neighborhood Autos, LLC
State: TX

Complaint narrative:
I just recently disputed something and just realized that the dispute came from my Car lot wide credit and I want to fix the problem because it just bring my credit down I didnt know it was them because of the name it said collections instead of wise credit thats why I disputed because I had no clue what it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SAMC Honebee TRS, LLC
State: IL

Complaint narrative:
Both my spouse and I are having challenges with work during the COVID-19 stay at home order in Illinois. 
I reached out to the company that services my loan and was told that a deferred payment was not possible but they did allow not paying for three months but that it would effect our credit and would still be responsible for the missed payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
PayPal decided to restrict any access to my account because they were supposedly notified by one of my credit cards that there was unauthorized activity. First of all I didnt use PayPal to make that purchase so I find that odd second of all they wanted a full statement to prove it was me because they couldnt just use the first page? Which is all they got. I find it very weird that they can lock my account bc they claim my card that had not been used for a specific transaction with them and then want my whole credit card statement to prove my identity like its any of their business what I charge on my card? They got the first page. They have no one working when they tell you to contact them I did it said there were no live operators due to covid 19 yet I am on lockdown and I work from home so I dont buy that excuse with a large company handling money. They can close my account and they seemingly dont want to do that either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I have 2 mortgages with PHH Mortgage on two 3-family homes. That is my life savings/retirement plan and I am XXXX years old. Due to the COVID-19 virus, most or all of my tenants have been laid off and will not be able to pay their rent, which means I won't be able to pay my mortgages. 

I called PHH and the ONLY thing they can offer is a 3 month forbearance. On the 4th month I would have to pay all 4 months of rent. This is not helpful! None of my tenants will be able make up the rents, therefore, I won't be able to pay the 4 months of mortgage payments. This is a program I can not sign onto which means I can't pay my monthly mortgage, my credit score will significantly drop and I might lose my properties. Also, I have no idea if things will be better in 3-4 months. No one does. 

On a further note, my wife and I started a new business 1 year ago last week. It was doing great! Due to the corona virus our business dropped way off and we had to lay off all of our XXXX employees, which is heartbreaking for us. In addition, we no longer have any income from this business. I'm afraid we will lose everything. 

I'd appreciate any feedback or assistance you can provide. I'm sure I'm in the same boat as millions of other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
The Merchant is attempting to charge me for an item I have not received. Paypal is debiting my account and not allowing me to submit proof I have not received the item. Paypal is not accepting responsibility for making sure transactions they process are not fraudulent. Paypal is ignoring fraud activities that are occurring on a regular basis for XXXX transactions. Merchants are using a loophole in XXXX policy to ship purchased items to unknown shipping addresses in order to hold purchasers reponsible for paying for products or services they never receive. As underwriter to these transactions PayPal has an obligation yo insure Merchants that post transactions through them are not committing fraud. Instead, Paypal ignores any attempt to report fraud and pulls money out of my account without giving me an opportunity to dispute. I have reported suspicious PayPal and XXXX activities to the U.S. Federal Bureau of Investigation ( FBI ). Paypal needs to take responsibility and address fraudulent transactions from Merchants they have vetting and approved to use their payment gateway. They do not take responsibility. I have attached documentation for a case where a Merchant is using an XXXX loophole to charge me for an item I did not receive. Also, the merchant issued a fraudulent insurance claim to collect payment twice. Paypal refuses to discuss the fraudulent activity with me and chooses to just withdraw money from my account without reviewing any documents from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23 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: CA

Complaint narrative:
Santander Consumer USA Holdings Inc ( SC.N ), an affiliate of the XXXX   XXXX  XXXX, allowed borrowers to make interest-only monthly payments without explaining that doing so would increase the total cost of the loan. 

I have been harassed by this company they offered interest only payments. I was told I could refinance but XXXX in 6 months here I am 6 years total balance has hardly decreased. 

Ive begged if pleaded to help they dont want to help. Long wait times that end no where. 
I have been paying {$420.00} for 5+Years and the balance doesnt go down. I see there are many lawsuits I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 I sent written communication to Macys/Dsnb dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from Macys/Dsnb dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, Macys/Dsnb sent me a letter stating that the information appearing on my credit report was correct. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing Macys/Dsnb communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Macys/Dsnb t to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account.  Macys/Dsnb provided none of the above. Macys/Dsnb continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Macys/Dsnb has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, on XX/XX/2020 I sent a second written communication to Macys/Dsnb dated XX/XX/2020, requesting the same information with same results dated XX/XX/2020. The above illegalities were committed via USPS mail.

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 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Complaint sent to Synchrony on XX/XX/2020 for Synchrony 's application of retroactive deferred interest without notification. I have received no acknowledgement or response from the company either in writing or online. {$6100.00} was sent on XX/XX/XXXX electronically and applied to the account balance by Synchrony. The retroactive interest charge has not been removed from the account. 

Complaint sent by letter : " I recently discovered we were charged deferred interest in XX/XX/2020 for a remaining credit amount on a XXXX carpet purchase, account. The interest charge was significant 45 % of the current balance but most importantly I was not notified of the upcoming end of promotional period so that I could pay of the remaining balance. A warning was printed on the statement, but of course I was highly encouraged by Synchrony to sign up for electronic statements which means I never get the actual statement. The monthly bill reminders I receive instead include a minimum payment but make no mention of the ending promotional period. This practice of steering customers to electronic statement and then omitting any promotional balance date information is deceptive and very much in Synchronys best interest. 

I am immediately sending the outstanding XXXX purchase balance of {$6100.00}. I ask that you remove/credit my account for the total interest charge of {$2700.00} added to the balance on XX/XX/2020. There are two additional monthly payments from XXXX and XX/XX/2020 which may result in over crediting the account, these can be dealt with separately. ''

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 2020-03-23 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: Lendmark Financial Services
State: MD

Complaint narrative:
I currently have a car loan showing up on my credit report with Lendmark Financial because the company combined my car loan with a personal loan without my knowledge. They said that they were helping me lower my monthly payments, but they never explained they were turning the full balance into a used vehicle loan. When the company combined the loan I only had about {$1500.00} left to pay off the vehicle. They made the new balance for the used vehicle loan {$6700.00}. I didn't figure this out until XXXX when I attempted to purchase a vehicle. The company stated that it was used as collateral for the loan, but that didn't make sense because the vehicle wasn't worth that much. The company also stated that the manager that did this no longer works for the company. I no longer have the vehicle and at this point the balance of the loan is {$4200.00}. Which means I covered the cost of the vehicle loan. I will attach the accident report showing that I no longer have this vehicle. The vehicle I am referring to is a XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2020 I made a payment of {$1000.00} from my checking account that was cleared and cashed by Synchrony Bank/JCP credit card company. 
On XX/XX/2020 I received my bill in the mail that stated that I never made a XXXX payment, never reflected my {$1000.00} payment, and additional charged me {$56.00} in late fees and added interest to my bill. Calling the creditor they stated they never got the payment and would need proof from the bank that reflected this payment and withdrawal from my account. 
On XX/XX/2020 A Fax was sent to the creditor from myself with all documentation from the bank that was requested proving that {$1000.00} funds was taken out of my account from Synchrony Bank/JCP on XX/XX/2020. Additional I proved the bank branch information if any additional information was needed about these funds taken out of my account. I also called to ensure that the fax came through and that Synchrony Bank/JCP received this information. 
On XX/XX/XXXX I received a phone call at my home from Synchrony Bank/ JCP stating that my XXXX and now my XXXX payment ( Due on the XXXX ) were now OVERDUE and they were demanding payment. After talking to the representative I was told that IF they did except my payment of {$1000.00} ( which they haven't yet ) I would still own them {$690.00}. in total before my bill was paid in full. 
On XX/XX/XXXX a check for {$690.00} was sent in the mail for the full amount in order to pay off my account. 
On XX/XX/XXXX that check for {$690.00} was cashed and cleared. 
On XX/XX/XXXX I talked to Synchrony Bank/ Jcp and was informed that still have not " found '' my payment of {$1000.00} and even if the do find it they I would have over paid my account and they would owe me {$88.00}. I talked to a XXXX XXXX ( A " manager '' who would not give me his last name and requested that I re fax all of my paperwork regarding the {$1000.00} payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I signed up for experian, for the credit boost. I followed the instructions to connect my banking account and after got a error message! I called and the rep took my information and she would review and get it in! Well apparently she lied, I see no changes still getting the error. So I called today, to get the RUDEST, NEGATIVE ATTITUDE, NO CUSTOMER SERVICE OR CONCERN ATTITUDE FROM SUPERVISOR XXXX!!! VERY UNPROFESSIONAL AND WAS OF NO HELP AT ALL DUE TO SO MUCH ATTITUDE! NOTHING WAS 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 2020-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
My Marcus by Goldman Sachs savings account locked me out while performing a normal password change request. It made me generate a pin 6 times and locked me out by the 3rd pin request. When I called XXXX to have my account unlocked they lied to me and told me the website is not working properly. However my coworkers all logged in without any issues whatsoever. Attached is what they showed me upon requesting a pin for login. The XXXX and XXXX employees working in the NY call center are stealing government funds from XXXX  XXXX  and did not want to be caught. They stole one of my deposits as I have in an email that I received 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Lexus Financial and XXXX  have refused to correct the late payment that was a direct result of Lexus Financial 's auto-payment system. My new car lease ( which is my 3rd with Lexus with zero previous issues ) was first manually paid, then set for auto-pay. Their auto-pay defaulted to a LATE payment. I paid in full, Lexus REMOVED the late payment fee acknowledging their mistake, but refused to correct the late payment with credit reports. I was travelling in XXXX, auto-pay was set up, and they refused to correct the late payment. Both XXXX  and Lexus should be working quickly to resolve this but failed to make a correction which drastically affected my credit. This is the ONLY late payment on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
After speaking with an attorney who identified himself as XXXX XXXX of XXXX XXXX about an inheritance document ( that was later found to be forged along with death certificates and notarized court documents ) ..I then realized that he stole the identity and letterhead of the actual XXXX XXXX as I called the correct office of the real attorney who I thought I was dealing with. The real XXXX XXXX told me it was not him and I was involved in a scam. Along with the stolen identity of the attorney was another party who pretended to be a bank audit department head ( XXXX XXXX of XXXX XXXX  in the XXXX ) using the exact same letterhead and phone exchange as the real XXXX XXXX   in the XXXX. 
Before I realized all this they had me wire funds ( {$7700.00} on XX/XX/20 and {$31000.00} on XX/XX/20 ) to their so called domestic trust account at M and T Bank at XXXX XXXX XXXX in XXXX MD. The name on this account was XXXX XXXX XXXX and account # XXXX. 
Upon realizing this fraud I went to my bank ( XXXX XXXX  ) and had them order a reverse and stop transfer of fund request and told M & T to investigate these transactions due to fraud but my bank or myself has yet to hear from them. I reported this to the FBI as well as local authorities

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 2020-03-23 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: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
THIS COMPANY HAS TAKEN THE TIME TO DAMAGE MY CREDIT DURING A NATURAL DISASTER. REPORTING 30 DAYS LATE & REMOVING THE CORRECT STATUS DUE TO THE COVID19. ALSO REPORTING THIS JOINT DEBT AS A INDIVIDUAL DEBT WHEN ALL THEY HAVE IS A JOINT CONTRACT. THE OTHER PARTY FILED BANKRUPTCY BUT NAME ISN'T REMOVED FROM THE CONTRACT FOR WHICH I AM STILL CONSIDERED RESPONSIBLE. THE STATUS OF THE ACCOUNT WAS CHANGED SO THEY COULD ONLY REPORT TO MY CREDIT. NO WHERE IN THE CONTRACT DOES IT STATE IF ONE PARTY FILES BANKRUPTCY THIS ACCOUNT CAN BE REPORTED TO ONE INDIVIDUAL. I AM REQUESTING THIS FIXED ASAP AND THE LATE PAYMENTS REMOVED. ALSO ACCOUNT TO BE PLACED BACK UNDER A NATURAL DISASTER.

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 2020-03-23 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:
It has been more than 30 days since my initial dispute and since I've submitted my identity theft report to Equifax Consumer Reporting Agency. Equifax has failed to adhere to the Fair Credit Reporting Act by reporting fraudulent related accounts due to identity theft to my credit file. Equifax once blocked/deleted the rocket loan account # XXXX and as of XX/XX/2020 the account is currently displaying on my credit which violates section 605b. In addition Equifax was was notified via mail and internet with an identity theft report which included two fraudulent accounts Freedom Plus XXXX and XXXX XXXX   XXXX. This accounts currently are reporting as updated which is unacceptable after Equifax has received all necessary documentation on my be half and has failed to provided 100 % accurate verification as per the Fair Credit Reporting Act. It is obvious my identity has been compromised and these accounts are having significant negative impact including denial of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN

Complaint narrative:
Debt collection Kinum is contacting me about a medical debt from XXXX. I tried to explain to 4 different representatives of this company of my attempt to rectify this debt back in XXXX when I contacted the original debtors ( Ear, nose, throat ). I received a bill summary from original debtors stating no debt/balances owed, which I emailed to a manager today  XX/XX/XXXX. Kinum reps laughed, making statements of disbelief, yeah right, just pay your bills and I wouldnt be calling. Telling me to be quiet and let them speak is not a way to handle my money or personal information. I no longer feel comfortable rectifying or providing anyone from this Kinum company my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: NC

Complaint narrative:
This is not my account

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