vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
XX/XX/21 finance : I went into a car dealership with a check in my hand from my credit union to purchase a vehicle I didnt need any assistance from any outside companies so I dont understand why all these companies are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: TX

Complaint narrative:
The XXXX, or Card.com has been withholding XXXX in money on a card that I've had for years. It's been almost a year. In XXXX, my family and I were victims of a house fire, we lost everything, including our family pet. XXXX  and with children, we of course started a XXXX  account. Out of XXXX they are withholding XXXX. Talk about kicking us while we're down! We've sent everything they've asked, including a legal afadavit, to NO AVAIL. In the meantime they are still collecting their fees!! Can ANYONE HELP US?? We need our money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I got a message saying that my XXXX score had dropped XXXX point due to a Late Payment in one of my accounts. This is completely false and incorrect, all of my accounts are current. I Contacted XXXX and Transunion they went through my credit report and said that I was right, that all of my accounts were up to date, that they didnt know why my credit score went down or why a Late Payment note appears on my credit report. They didnt give me any solution towards removing this false information, they only said that they couldnt do anything about this note on my credit report. This is affecting me tremendously and this false information is suppose to stay there for 7 years.

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 2021-12-17 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: PA

Complaint narrative:
On XX/XX/XXXX i opened up my paypal account. to date ive had no red flags issues discrepancies with my account its XXXX. 

According to Paypal there was a high level of risk associated with your Account. Specifically, between XX/XX/XXXX and XX/XX/XXXX, we found you had a dispute rate of 11.88 % and filed excessive claims against a food delivery merchant, XXXX XXXX So 88 percent of all transactions were okay and since i had an issue with food quality and service paypal has deemed my account a high risk and closed it without warning on top of that they are currently with holding a refund from me for XXXX that i still have not received at the end of the day paypal is the party that makes ultimately the decision to approve or deny any claims regarding purchase protection. I just give the reasonings to why i was dissatisfied

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint is falsifying that XXXX XXXX reached out to them on XX/XX/2021. 

My case number is XXXX. 

Shellpoint recycled an old letter where they omitted facts that Shellpoint sent me two official statements saying that my trial modification amount was {$990.00}. I paid {$990.00} on the second trial payment and {$990.00} on the third trial payment. Shellpoint waited until after the third trial payment was successfully made to decline to finalize my trial modification. Just because Shellpoint pulls out an old self-serving letter, that does not mean the issue was addressed.

Shellpoint is continuing to falsely create different reasons for making me pay for their error. Currently, they are saying XXXX XXXX 's supervisor overruled the modification approval letter that he said was being sent XX/XX/2021. Then, they said that loss mitigation was working on it. Then, a fathom in escalations was working on it. These excuses were made after they lied and said that the modification redo was what XXXX XXXX approved. 

However, XXXX XXXX was not made aware that Shellpoint sent me different statements and that I complied with their correspondence. 

XXXX XXXX is not telling the truth that XXXX XXXX has not reached out to Shellpoint. 

My case number is XXXX with XXXX XXXX. Each time I call they say they have not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit ( an increase in my credit line ) by CAPITAL ONE BANK d/b/a CAPITAL ONE. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by CAPITAL ONE BANK d/b/a CAPITAL ONE on several occasions ; XX/XX/2021, XX/XX/2021, and XX/XX/2021 via email and notification through my Capital One mobile app. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by CAPITAL ONE BANK d/b/a CAPITAL ONE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ). CAPITAL ONE BANK d/b/a CAPITAL ONE is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: NY

Complaint narrative:
I'm having trouble with 21st mortgage company and was told by them more then once I'm not behind and I'm being threatend by them they are saying if I am 1 day late will sue you by one supervisor the other supervisor I spoke with I asked then to wait on the other XXXX dollars for XX/XX/2021 a and I'm going true vary financial hard ship since my wife passed away in XXXX of this year ever since they been vary demanding and told me will list your home for sale and for close on you i said to them wait till the XXXX the of XXXX after thy told me i was all paid up for this month and i made other arrangements to pay on my car so it wouldn't get repoed then thy said CANT YOU DO THE MATH you sent in 2 pYments and witch i didone on thee firest and another on the XXXX that dont add up after thy told me i was paid in full this month i need help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS ( XXXX ) has misrepresented me by using a much lower XXXX score I have just received documents from SLS ( Specialized Loan Servicing ) on XXXX ( see attachment with errors ) We have rented rooms out to roommates/tenants to help us with our 1st mortgage monthly payment of {$4200.00} and other maintenance expenses. 

Second Mortgage - Original loan of {$180000.00} by ( XXXX XXXX XXXX ) XX/XX/XXXX to XXXX, then XXXX Then SLSXXXX ( new creditor ) After disclosing all the options with our tax adviser, he recommends the option ( in XXXX ) would be practical ( see attachment ). 
Other option offered in XXXX of XXXX, ( see attachment ) will force us to be default or foreclose later or bankruptcy Now it has increased to {$400000.00} because of the High-interest rate ( as we were victims of the predatory lending in XXXX ) SLS/XXXX refused HUD-assisted modification package SLS/XXXX has created its own MODIFICATION, demanding an {$80000.00} cash down payment with a high-interest rate on the balance of {$320000.00}. 

Due to family difficulties and additional financial expenses during the COVID LOCKDOWN AND UNEMPLOYMENT, we have used up our savings to maintain. 

SLSXXXX refused to give us an affordable modification SLSXXXX threatens us with Foreclosure as its now in Pre-foreclosure status SLS XXXX XXXX XXXX this company appears to not follow the California state laws and should be investigated. 
SLS is very abusive and unprofessional by phone SLS refused to communicate or correspond by email Specialized Loan Servicing ( SLS ) representing creditor ( XXXX XXXX XXXX XXXX )

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 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went to a Bank of America atm on XX/XX/2021 to deposit {$3000.00} cash. All of a sudden the atm stopped working. I did not get a receipt about my deposit. I immediately contacted customer service and was told to leave and they would investigate. They credited the money to my account. I received a letter saying the investigation didnt show my deposit and the money would be taken out of my account. I went to the local branch and was told they would further investigate and that they would not take the money out. The {$3000.00} has been taken out my account now leaving me in the negative. I left the ATM because I was told too, I told them I would stay until someone showed up to fix it but they said NO that they would send some the next day. Customer service confirmed the ATM had messed up, they said it had lost network.

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 2021-12-17 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: ASSOCIATED BANC-CORP
State: OH

Complaint narrative:
I went into a company to purchase a car with a check in my hand from my credit union I dont know why the other company are on my report. I made Several attempt to have them removed off my credit report they told me I had to write a letter and then write to the credit bureau to have it remove why I have to write to credit bureaus when they did this without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I went into a company to purchase a car with a check in my hand from my credit union I dont know why the other company are on my report. I made Several attempt to have them removed off my credit report they told me I had to write a letter and then write to the credit bureau to have it remove why I have to write to credit bureaus when they did this without my permission.

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 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
I received a grant from a XXXX XXXX XXXX XXXX ( stay ) for six months of mortgage payments. mortgage assistance due to the corona virus pandemic. The mortgage service provider received the the payment in the amount of {$3300.00}. They cashed the check on XX/XX/XXXX th but have not posted the funds to my account as of this date. I had received a letter after a grueling ordeal that they needed 30 days to resolve the dispute. I just received another letter stating that they need another 30 days. The customer service representatives have not been kind or helpful ( especially the one I spoke with today ) I have been requested to send documentation proving the payment was received by SPS servicing and I have done so. I would like for my grant for my Six months of mortgage payments to be posted to my account. On top of this SPS has sent something to make my credit score drop XXXX points. I was told today to dispute it on the credit bureaus. I am under severe stress from all of this Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/2021 I logged into my Chime account only to be promoted with a message that it has been closed or temporarily suspended. 

Apparently they closed my account because I added an accent ( ) over the e in my name like so : They told me I needed to send in name change information for this but it is the exact spelling of my name Ive never been married or changed it.

They also asked for social security & ID which I sent immediately.

Several days later I have not received any further information about my account that was basically closed for no reason & I have no access to my funds.

This is an extreme inconvenience & Im very truly disappointed in this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over 30 days l have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items fro my credit report it have been over 30 days, as a result these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/21 finance : I went into a car dealership with a check in my hand from my credit union to purchase a vehicle I didnt need any assistance from any outside companies so I dont understand why all these companies are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: CITIBANK, N.A.
State: TN

Complaint narrative:
XXXX and XX/XX/2020 when the pandemic first hit I was diagnosed with the XXXX XXXX and I moved with my sister because I was sick and due to me being Ill I wasnt thinking about any bills I was trying to keep from dying. My sister paid my bills not knowing the amounts because I moved and we didnt have a bill to even pay. I asked due to me never being late beside those 2 months I asked for Macys to remove the 2 late fees because I had XXXX and I never received a bill. Ive never missed any payments and I pay all my bills on time and never been late with Macys. Im in the process of trying to purchase a home  and Im requesting that the 2 late fees be removed due to me being sick during a pandemic

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 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Names : I am not XXXX XXXX or XXXX Addresses : I do not reside at XXXX XXXX XXXX XXXX Ga XXXX or at XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXXXXXX XXXX  or at XXXX XXXX XXXX XXXX # XXXX Ga XXXX I am disputing delinquent accounts 1 Trans Union 2 XXXX 3 XXXX I am disputing Derogatory accounts 5 Trans Union 4 XXXX 5 XXXX I am disputing public records 2 Trans Union 2 XXXX 2 XXXX I am disputing the company XXXX I am disputing XXXX XXXX XXXX XXXX  account I am disputing bankruptcy for the dates of the following : XXXX which the date is on my report twice XXXX also on my report three times XXXX XXXX they all were dismissed.

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 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I am distressed that XXXX have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile for illegal proof of payment. 

Account : Spring Leaf Fin XXXX I respectfully request proof of the late payments. This is an illegal proof of payment. Please provide proof of bank statements, receipts proving payments were late. Also why is there a payment history reflecting on a closed account. Last payment for this account was made on XX/XX/XXXX, so how it is possible your company have payments showing for years XXXX, XXXX and XXXX? 

In this complaint accompanies a copy of the " illegal late payment- history '' for years XXXX, XXXX & XXXX reporting on my credit profile for an account that is closed and have been since XX/XX/XXXX. 


Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
Hello : I am disputing this debt : Jefferson Capital System : XXXX XXXX for {$1200.00}. I am unaware of this debt nor have I received any notification attempting to collect this debt. According to my credit report this account was opened on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 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: FL

Complaint narrative:
I have contacted this company to get them to update the balance information because the car was repossessed in 2015 of XXXX and they report every month as if Im making payments late the information thats being reported is an accurate the balance keep going up when there has been no payment on this account in over 6 years, This account has reached its lifetime and needs to be removed because it has been over six years with no payment on the account. I have disputed this account through the credit bureaus on multiple occasions and still end up with the same results they verify the account and nothing changes they change the balance in the amounts from time to time and the report any information but the account is still not remove

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