vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
Logged in to make a payment on their website on Sunday XX/XX/XXXX. There was a message there that I had a past due amount of ~ {$460.00} and total amount due of ~ {$940.00} ( including upcoming payments ). I selected the button to " Make a Payment '' and with NO further confirmation or ability to put in the amount I was going to pay it gave me a screen that said " Thank for making your payment of {$940.00}! '' There was NO ... please enter the amount you wish to pay.

NO ... here is the payment we are about to process from your bank.

NO ability after I made that to cancel it ... even though it was a Sunday afternoon.

I immediately sent an email even though they are closed.

I phoned on Monday morning after checking my bank and seeing that the $ $ had not been attempted to be taken out yet. The Prospoer rep told me " There is nothing we can do from here. Maybe you want to stop payment at your bank? '' For one, banks dont ' easily stop ELECTRONIC DEBIT payments from what I understand ... though I've not tried. Regardless, if they did do that, we KNOW the bank is going to charge a fee and Prosper will charge a fee. Even if the payment was honored I DID NOT want to pay that amount with this payment as it will have other ramifications. Prosper offered to " refund '' my payment by speaking to a refund specialist and then, inexplicably, telling me I'd need to have my bank on the line. For what? We are putting money IN if we do that. You had zero problem taking it out without the bank.

Anyway, the fact that they sneakily decided my payment amount and provided zero confirmation is the basis of my complaint. I'm sure they will say " no, no, here is where someone would put in the amount on the 1st screen. '' If so, it definitely is misleading how it's presented and it can not be ok that there was no confirmation screen before this went through and no way to cancel within seconds of processing it ... which again it hasn't processed. They give you the " blah, blah '' that it might take 2-3 days for bank to remove funds ... which means you are doing it as an ACH vs credit/debit card pin transaction which means I believe they should have been able to stop it by my calling the start of the next business day.

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 2019-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
After months of trying to access my account with this company all I ever got was 'computer loops ' and when I called for assistance the individuals I encountered could not speak English well enough to be understand easily and some times not at all understandable. Frustrated, I contacted the 'Consumer Protection Agency '. The response I received from this company was to call again and they wanted further verification that this is my account, which I requested frozen, as they did not mail the new credit card timely or not at all and was concerned. They requested the reverse side on my expired drivers license to verify that it is my account. ( poor vision will not allow my driving at this time ). I am out of the country taking care of family business and gave them my contact information in XXXX and assured them that my residence information in the USA had not changed. After my contacting the Consumer Protection Agency, hurriedly they posted negativity to my excellent credit rating ... .because they won't allow me to access my account ... not fair and is inductive of 'we have control ' attitude. Several days ago I called again ( 41 minutes ), they did accept a double payment from me and when I said you send me email every other day as 'friendly reminders ' and now you absolutely know who you are dealing with as you asked me if you could take the payment money from my XXXX account, you, at this time are positive it is me. I then requested to allow me to change my password to access my account, they refused and when I asked to speak to an English speaking supervisor ... .they hung up. Who are these people and what the XXXX is going on with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One Auto Finance # XXXX is reporting an incorrect balance on my account. This account has been settled and paid off and should no longer be reporting a balance to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX  XXXX XXXX XXXX # XXXX is reporting an incorrect balance on my account. This account has been settled and paid off and should no longer be reporting a balance to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX  XXXX XXXX XXXX # XXXX is reporting an incorrect balance on my account. This account has been settled and paid off and should no longer be reporting a balance to 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
Consumer complaint received 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have a XXXX  Mastercard. I have payments going out on autopay. On XX/XX/2019 XXXX Mastercard received a payment of {$140.00} which was the minimum payment due. Now today XX/XX/2019 my bank is showing pending for XXXX Mastercard to take another {$140.00} even though on their automatic machine it says they got paid on XX/XX/2019 for the {$140.00} and no payment is due till XX/XX/2019. However the girl said they take monies 7 days later, that's not right. Therefore ; what they are doing is a Fraud! I never Authorized XXXX 's to Debit MY Account Automatically. Therefor I want the Autopay suspended with XXXX 's or I will press charges against them! 

Very truly yours, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: AZ

Complaint narrative:
The install plan for Square POS required a credit card on file in which I authorized automatic payments every two weeks for {$140.00}. Instead of using the authorized credit card on file they have illegally obtained my checking account information and are attempting to withdraw {$280.00} every two weeks causing overdraft fees and other problems for me. I never authorized them to withdraw from my checking account, even if I did Ive expressly told them I withdraw authorization and they continue to attempt to withdraw my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
Toyota Financials website advertises a {$500.00} rebate for recent college graduates and deferred payment for up to 90 days. 

When I purchased my new XXXX last month, the salesman confirmed the existence of this program in the state of Colorado. However, when I finalized my loan with the finance department, the representative denied the existence of such a program. I meet all of the following criteria outlined on Toyota Financialss website : XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We are ready to pay off the mortgage, the lienholder is OCWEN FINANCIAL, we have contacted them several times and they say that they don't have any records on the debt, yet there is a lien filed on the property from them and we have documentation that proves that there was a balance owed to OCWEN. 
We just want OCWEN to give us a payoff and we want to proceed and pay off the loan. 
The attached documents show that there was a bankruptcy chapter XXXX. After the bankruptcy was discharged there is an order to pay OCWEN {$480.00} per month. Also, there is another letter that has an 8 digit account number that shows a balance as of 2017. We call OCWEN and Ocwen says that they can't locate anything with that loan number, nor with the address, nor with the social security number of the mortgagees. We believe that they are not doing all they can to help pay off the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX is reporting an incorrect balance on my account. This account has been settled and paid off and should no longer be reporting a balance to 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
Consumer complaint received 2019-09-16 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Santander Consumer repossessed our vehicle voluntarily in 2005. Santander got the vehicle but still maintains we own money ( {$13000.00} ) on the vehicle and has placed it on our credit report as a write off. We want the matter closed, credit for the vehicle 's value and a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
my wife died in XX/XX/XXXX andXX/XX/XXXX I filed bankruptcy and left out my home mortgage and the home equity loan of {$48000.00} so I could kept my home I kept up the payments till one day the home equity bank took it off line that was the way I was making the payments. So I called them and they put lien on the home that I would pay it off when I sold the home and I said no more payments they said yes. A few years later I get a foreclosure letter. I have talk to the county and a legal assistant and the attorney general of Minnesota. All I want is for the bank to clear the payment history so can refine my home to to pay them off thank you

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 2019-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/19 I received a letter from Wells Fargo stating they were recalling my mortgage loan and we were in foreclosure. Prior to this letter, I have been working with the company on loan modification and paying to make the account current. We have been in communication by phone for 2 months prior to now consistently. Leading up to this letter, my most recent calls being XX/XX/2019, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was never mention of this happening or being a possibility. Until the phone call on XX/XX/XXXX, I was working on loan modification, making payments trying to catch up and work with Wells Fargo to keep my home. The phone call the 13, when I was calling to make a payment, I was told we were in foreclosure and no one could talk to me or take a payment. Upon getting home that day, I did have a letter in the mail stating in foreclosure and i need to move out or pay the remainder of my mortgage {$56000.00}. No other communication of letters or mail ever came to me except my monthly billing statement. NOTHING. On XX/XX/XXXX I spoke with the person in charge of my loan modification, and he did personally discuss foreclosure and kept bringing up something called a reinstatement amount, and all about a default letter, a cure, etc ... None of this stuff had been sent or told to me. NONE. ALL I have received is that now we are in foreclosure and a sale date is pending to be set. He also spoke about the law firm handling my case, again have received nothing. He reviewed my case in their system and stated and agreed none of this had been sent to me. None of this showed in my history data in their system being discussed or sent with/or to me. He could confirm all the phone calls I have above mentioned and more with no notes of this. I was told by him a court case has already been filed against me. I also have no information about this. Now or prior. He stated " I just should have expected in being behind in my mortgage. '' My mortgage was 120 behind on XX/XX/XXXX by this time I had already began loan modification and working with them to bring current. Truth in Lending Act states dual tracking by a creditor cant happen. I was doing my part. There was no way I could have " expected it being behind in my mortgage. ''

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 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RAS LaVrar, LLC
State: VA

Complaint narrative:
I set up a payment plan on their online system, and they set up a recurring payment plan without my knowledge, I only wanted to make one payment. I called and they told me to remove my payment information from the online acct, this I did and then another payment was paid to my account, then the following month I noticed that there are two more months showing recurring payments. I called to cancel payments and after waiting over 15 minutes the representative was very rude and said that she would send a email to mgmt and I would have to call back. I asked to speak to a manager and waited for 17 more minutes. I feel this is unfair debt collection as they intentionally have a system that automatically charges you monthly and you can not cancel recurring payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have this account showing on my credit report but I never received notification from the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
THIS COMPLAINT IS AGAINST Specialized Loan Services, LLC and XXXX  XXXX XXXX. 

On XX/XX/2019 XXXX XXXX XXXX, XXXX sent a notice that they had assigned, sold or transferred our Home equity loan to XXXX XXXX XXXX. Specialized Loan Servicing, LLC Specialized Loan Service handles the billing. 
ISSUE : We have had many conversations with customer service and XXXX to no avail. We have not had any billing from them to this date even though a review board approved sending us statements. They had us sign a request for statements on XXXX XXXX ( Electronically ) per XXXX in their Home Equity Department. XXXX XXXX XXXX XXXX XXXX-XXXX ( MT ) See reference # XXXX The first payment they asked for was not correct and they considered it a partial payment {$800.00} then asked for an additional {$87.00}. Our online account still does not reflect our XXXX payment {$880.00} even though they put through our check. Now they are asking for {$790.00} ( approximate ) figure no billing. I need them to send monthly bills and I will send a payment. Customer Service personal do not give the same answers to our questions. 
I will not be sending payments to a company who can not get the distribution of payment correct or answer correctly our questions about our payment history I want a monthly statement prior to sending my payments,

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 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I received notice my loan was being transferred from XXXX to Loan Care. I then received a bill from XXXX  mortgage. I suspected fraud because the letter from XXXX did not mention XXXX. I called XXXX. They told me I was actually one month ahead on my payments. That my XX/XX/XXXX payment would actually be my XX/XX/XXXX payment. I have sent in a payment each month this year. I was actually told I am a month ahead of schedule. I then called LoanCare and gave them my email address to contact me if there were any problems. In XX/XX/XXXX I called just to check the status and I am told I owe since XX/XX/XXXX and my mortgage is in collections. I have sent receipts of all of my payments. I need this straightened out ASAP.  By my accounting I should be one month ahead of payments. Loan Care is showing me due from XX/XX/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 2019-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: VA

Complaint narrative:
Over the last 8 months, I have been reaching out to J D Byrider, trying to get the loan for my car situated. I have a {$18000.00} loan for a XXXX XXXX XXXX that is used. My first issue came when I had a loan with them and the car was totaled and they told me if I purchased a car from them the first loan would be forgiven. That is not the case, I looks like I am paying for one car but I am paying for the car that was totaled and the car I have currently. When I spoke to the insurance company they stated that they released all the funds to J D Byrider per my request. I never spoke to the insurance company aside from reporting the accident. The finance representative from J D Byrider stated that they would speak to the insurance company so that I am not bet out any money. I went back several months later and purchased the XXXX XXXX, everything was fine until I missed a few payments and noticed that the information on the loan was different then discussed. At the point I was threatened with repossession and having a bad credit score because I was not paying. The car was repoed 3 times and I was charged {$370.00} each time and was told that it would be added to the end of my loan. I moved to NC and prior to doing so asked that the car be picked up. I was told that the car would be auctioned off and I would be responsible for the remainder of the balance and that a garnishment had been issued for past due payments. In about XXXX the calls and threats had stopped, I assumed it was because I started sending in payments but just learned that the company is no longer open and I have no idea where my payments have went to and on top of that I have a car with no title that does not run sitting on my credit showing I still owe over {$16000.00} for. I can not get another car because of this and wasted over {$15000.00} making payments to a company that is closed. I have reached out to the local branch here and they stated that they are not affiliated with the branch, I called the customer service number and it no longer works. I am confused on how to move forward, I need to get this problem taken care of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX repossessed our vehicle voluntarily in 2005. XXXX got the vehicle but still maintains we own money XXXX {$13000.00} XXXX on the vehicle and has placed it on our credit report as a write off. We want the matter closed, credit for the vehicle 's value and a zero balance.

Company response to consumer: Closed with non-monetary relief