vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 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: Self Financial Inc.
State: CA

Complaint narrative:
The company self inc is reporting different payment history to all three credit bureaus which is negatively affecting my credit score. On XXXX theyre reporting that I was late for XXXX and XXXX of 2022 but yet for XXXX they reported that I was late for XXXX of 2022 but on time for XXXX of 2022. As for XXXX they did not report any payments for XXXX or XXXX. This has greatly affected my score and prevented me from residences to apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I canceled my XXXX account in XXXX XXXX acknowledged that they had previously overcharged, said they closed my account, and would send me a check for the credit. Instead, XXXX did not cancel the account, continued to bill me, used up the credit, then started charging me. I made several attempts to cancel, but XXXX continued. Finally an agent found XXXX XXXX, requested a refund, said she canceled the account. However, I continue to be billed, my account was not canceled, and XXXX refuted my refund requests to Citi. Citi accepted XXXX refute and charges my account. Citi did the same thing to a previous cancelations of my XXXX account, in spite of my sending documentation from the provider that I canceled my account. I think Citi defaults to denials in favor of the merchant so Citi retains commissions.

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 2022-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I had a loan for a XXXX XXXX and the loan payments were set up on auto pay from my checking account. We received a call from the bank today and we were told the account was past due. Upon further investigation, the bank never drafted the last payment which was less than the monthly payment during the loan duration. Automated payments should not be stopped just because it is the final payment ; bank 's can draft payments as long as they are not more than the regular payment. The bank charged additional fees for being late. The representative who took our call transferred us into the automated payment line where we made the last payment of {$300.00} to pay the loan in full. There are multiple problems here as the automated phone service indicated our current payment is {$660.00}, although the associate gave us the amount listed above ( {$300.00} ) to pay in full. I logged in online to see what the difference was and I have a screenshot of the online payment portal to show this. The system is adding what had been my standard monthly payment amount to the amount of my last payment giving the larger amount, even though no more monthly payments are due. If I had just paid the amount given by the phone 's automated system and online, we would then be overpaying the loan, and undoubtedly waiting to get our money back. What's more concerning is charging the interest and fees that could go uncontested and ultimately are erroneous. The bank 's systems are creating an unfair and deceptive practice in that ( 1 ) the phone system and online system show a balance which includes an extra monthly payment which is not due, ( 2 ) the bank did not take out our last automated payment and did not inform us that it was not taken out, ( 3 ) the bank added additional fees which would not have been incurred if the last payment had been taken out, and ( 4 ) the car title has not been timely sent to us because of these issues which is causing difficulties in trading in the car.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Self Financial Inc.
State: CA

Complaint narrative:
Within the last two weeks when making transactions between SELF, financial and XXXX XXXX XXXX XXXX ( XXXX ) and paying from XXXX account SELF notified me that the XXXX is saying that there is no account in existence, or unable to locate. However, when I contact XXXX they say Self has not contacted, or tried to charge the account. SELF has charged multiple fees, although the account has more than enough for the transactions, and to date has not offered to erase or eradicate the charges. I have gone back and forth between both companies and have yet to receive any practical solution to the ongoing issue, and improper fees and charges when I did everything right on my end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: OR

Complaint narrative:
I refinanced my home with loandepot. The balance on the year ( I closed approx XXXX of XXXX. ) No issues. They instructed me to pay my property taxes for XXXX with the escrow refund from previous mortgage Co. I paid them in XXXX. In XXXX I received notice that my escrow was deficient due to loandepot paying my XXXX property taxes, raising my monthly payment by approx. XXXX a month. I called the company, they said they would apply for a refund and re-access my payment. The was on XX/XX/XXXX. They said it would take up to 60 days. I called back in 60 days and was informed they had not received anything from the tax department. I called the tax department, they said no refund was submitted. I am not sure why they would have you apply for a loan with an affordable payment knowing the escrow was not enough to make the years tax payment. Many homeowners would be stressed to have such a large increase in their payment. I feel they miss represented the company as caring for the well being of there customers. I feel so disappointed in myself for falling for it. Please help others to not being taken in and possibly being put in a positions to lose their home. Also they said the could do bi-monthly payments once we closed, which I told was told was not available. I had to make calls to have the closing costs corrected twice during the process as terms so we spoke to on the phone were not reflected on the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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

Complaint narrative:
On XX/XX/XXXX, Paypal temporarily limited my account and asking to upload ID, I uploaded the requested Photo ID on XX/XX/XXXX, but seconds after upload, I received email from paypal that my account is permanently limited and I cant no longer use paypal. so what is wrong? It didnt even go for review of documents submitted. it is so frustrating working with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: Paypal Holdings, Inc
State: MN

Complaint narrative:
I noticed that PayPal inadvertently took {$16.00} for my XXXX account, out of my XXXX checking account. I didn't nor have I ever authorize that. Every month I have {$16.00} taken out of my PayPal Credit account for XXXX. To date they haven't taken it out. It normally comes out of my Pay Pal credit account on the XXXX of each month. I contacted XXXX and they verified that Pay Pal is the form of payment and that I should contact Pay Pal. I contacted them on yesterday ( Pay Pal ) told them of the issue and they said I would need to contact XXXX. I immediately went to XXXX XXXX  last week, and said I didn't authorize Pay Pal to take out {$16.00} for XXXX, but rather my Pay Pal credit. My bank reversed the charges. 

Also, I made a payment late on XX/XX/2022 when my Pay Pal payment was due and there must have been some error, because my payment didn't show. So, I made a payment on the next day ( XXXX ) early in the morning online for {$100.00}. The Pay Pal representative indicated that she would notate the account to remove the late fees of {$40.00} due to the issues with Pay Pal. 

I contacted Pay Pal representative today ( XXXX ) and he said they were unable to reverse the late fee because I had two reversed before. Separate issues though. I also talked with the supervisor and she refused to reverse the {$40.00} late fee. This new issue was a technical issue beyond my control and I have had issues with Pay Pal all week. 

1 ) I want Pay Pal - To reverse the late fee of {$40.00} and XXXX ) I want Pay Pal to take out of my Pay Pal Credit {$16.00} for XXXX as it normally has I think this is wrong of them to penalize customers for their technological errors. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
STATEMENT OF FACTS : 1. On XX/XX/XXXX, XXXX XXXX, hereinafter Respondent, made presentment of a PRIVATE ADMINISTRATIVE REMEDY DEMAND No. XXXX, incorporated herein in its entirety as Attachment A, to CONCORD SERVICING CORPORATION XXXX hereinafter Debt Collector, for the setoff, settlement, and closure of Account No. XXXX, hereinafter Account, sent via XXXX Registered Mail, XXXX XXXX. XXXX. 
2. Enclosed was an Offer of Performance, Tender of payment ( promissory note ) and Debt Collector Disclosure Statement, incorporated herein in its entirety as Attachment A giving twenty one ( 21 ) days for response. 
3. On XX/XX/XXXX, XXXX XXXX, made presentment of a NOTICE OF FAULT AND OPPORTUNITY TO CURE AND CONTEST ACCEPTANCE incorporated herein in its entirety as Attachment A, to CONCORD SERVICING CORPORATION, sent via XXXX, Article No. XXXX, giving debt collector XXXXen ( 10 ) days to respond 4. Debt Collectors failure to sufficiently respond or timely honor the Presentment, by the terms of the Presentment, constitutes Debt Collectors acceptance and approval of the OFFER OF PERFORMANCE contained therein. 
5. As of XX/XX/XXXX Respondent has not received sufficient response to the Presentment, thereby placing the Debt Collector at fault, as evidenced by the CERTIFICATE OF NON-PERFORMANCE dated XX/XX/XXXX, a record of which is attached hereto as Attachment A. 
6. Debt Collectors failure to sufficiently respond or timely honor the Fault Notice, by the terms of the Fault Notice, constitutes Debt Collectors acceptance and approval of the OFFER OF PERFORMANCE incorporated with the Presentment. 
7. Debt Collectors acceptance and approval of the TENDER OF PAYMENT ( Money Order ) constitutes Debt Collectors agreement to the stipulated aggregate amount of unpaid obligations being XXXX ( {$0.00} ) and XXXX/XXXX dollars. 
8. Debt Collector has defaulted. 
9. As an operation of law, Debt Collector by dishonor of the Presentment and the Fault Notice has created a default. 

XXXX XX/XX/XXXX XXXX sent a " verification of debt '' letter to myself. It stated " please find enclosed a copy of your signed contract and/or other documents validating such debt '' Enclosed were " 0 '' documents or signed agreements. There was nothing else enclosed. Stating there were enclosed documents was false. XXXX also stated in the document that collection activity will commence. 

XXXX XX/XX/XXXX XXXX received my notice of default and consent to judgement and has still failed to respond

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 2022-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent XXXX XXXX a XXXX letter via mail on XX/XX/XXXX & a XXXX XXXX XXXX Complaint on last week requesting them to delete the charge off account that they are listing on my credit report, XXXX XXXX is continuing to add as well as remove payments from my XXXX reports which lets me know that they do not have the correct information. If this is not deleted I will be filing a lawsuit because this information is severely affecting my credit report & is making it look like this is a recent delinquency when the account went bad around XXXX or XXXX. As a result I have been recently denied credit

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 2022-05-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent XXXXXXXX XXXX a XXXX letter via mail on XX/XX/XXXX & a XXXX XXXX XXXX  XXXX on last week requesting them to delete the charge off account that they are listing on my credit report, XXXX XXXX is continuing to add as well as remove payments from my Equifax reports which lets me know that they do not have the correct information. If this is not deleted I will be filing a lawsuit because this information is severely affecting my credit report & is making it look like this is a recent delinquency when the account went bad around XXXX or XXXX. As a result I have been recently denied credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent XXXX XXXX a XXXX letter via mail on XX/XX/XXXX & a XXXX XXXX XXXX XXXXXXXX on last week requesting them to delete the charge off account that they are listing on my credit report, XXXX XXXX is continuing to add as well as remove payments from my XXXX reports which lets me know that they do not have the correct information. If this is not deleted I will be filing a lawsuit because this information is severely affecting my credit report & is making it look like this is a recent delinquency when the account went bad around XXXX or XXXX. As a result I have been recently denied credit

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 2022-05-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My information on my report are all reporting inaccurately and I have sent over a letter already stating that my information be updated in XXXX. I sent over a second letter in attempt to get this fixed and taken care of as well. 

XXXX  shows improper dates that it was opened. XXXX is reporting XX/XX/2017 while Experian XXXX XXXX show XX/XX/2017. The amount of the high credit limit shows inaccurately as well and the comments on XXXX shows inaccurate as well. 

XXXX shows XXXX different account numbers and all 3 bureau 's are reporting inaccurate information. These accounts do not belong to me at all.

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 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
This is regarding Chime XXXX XXXX ) Last Friday, I received a notice that I needed to provide a handful of documentation within 5 days, due to another larger source of income that I recently started receiving. I complied and sent it to them within the 5 day period, and they requested more documentation. I explained to them that there was some documentation I was unable to receive that quickly, and they gave me instructions on how to get documentation they would take. They then locked my account on Wednesday, leaving me with absolutely no access to my funds -- mind you, we were a few days away from bills being due ( rent, utilities, credit card payments, FOOD shopping, etc ). 

I have informed them of this and continued to provide the documentation that they have requested. I am on my third or fourth round of sending them the documentation they requested, and yet their most recent request is to send them something that I've already sent. I have explained to them how crucial it is for me to have access to my funds, especially being a father and sole provider for a household. 

Not only are my funds unable to be used, but I can not transfer them at all -- as I have absolutely no access to my online portal due to the lock they imposed. They have no physical locations. So my freshly deposited paycheck is being held hostage by them, even though I have complied and continued to send them the information that they have requested. 

I have already sent them a notice that I will be following up with legal counsel as early as possible next week to sue. I am incredibly disappointed, disheartened, and now regret any time I've ever suggested them to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXXXX/XX/XXXX, Collection/Chargeoff XXXX XX/XX/XXXX Subject has not satisfied debt . } XXXX Untitled {, Collection/Chargeoff, XX/XX/XXXX Subject has not satisfied debt. } XXXX Untitled {, Collection/Chargeoff, XX/XX/XXXX Subject has not satisfied debt. } XXXX XXXX {, Collection/Chargeoff,XX/XX/XXXXubject has not XXXX debt. } XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-27 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have overpaid my credit card over the course of a long time and I have paid them grossly over the course of time Ive had it which is now totaling {$31000.00}. First they said they I was owed {$14000.00} on XX/XX/2022 and they emailed me and wrote letters saying they processed the hard copy paper check on XX/XX/XXXX and it would be mailed to me within the allotted 7 days since I requested my balance refund.. I know they have to give it to me within 7 days of me asking plus I need all money Im not rich all they say us Im handled by a special dept and each time I get transferred to that dept they say its a dept that owes money to macys but they said they owe me money and one lady gave me her employee id to reference and give that she is the One who is processing and mailing the money checks on XX/XX/2022 ( her employee id is XXXX ) the one who emailed me and wrote she processed my credit card refund balance on XX/XX/XXXX, but didnt say she had another {$17000.00} to send as well I have formally and verbally said I want the remaining {$17000.00} mailed to me at my home address Ive also said I havent received the first check of $ XXXXits been over 7 days I want all my money today mailed to me sent in. A hard copy form paper check All of it center at the same time it seems I never got the XXXX I wouldve gotten it by now so please I want the full amount sent me at once all the same time Mail to meet my XXXX to XXXX XXXX XXXX XXXX  They owe me and my husband have seen amounts of money we were trying to purchase our wedding rings I want all of it sent to me before they dont send any of it to me because theyre outside of the timeframe Really ignored everything Im saying they wont read my emails they just make up every excuse in the world that its not they dont even tell me they have to mail it to me after I requested within seven days Ive pleaded please tell him to give it to me mail it to me please

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