vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
In XX/XX/2014 I co signed on a vehicle for my boyfriend at the time. In XX/XX/2014 he was in an accident the car was towed and the vehicle was auctioned off. The balance left on this was around {$5000.00} Chrysler capital is still reporting that almost {$18000.00} is still owed on the vehicle. That is not accurate. As well we were told we had gap insurance and that it would pay the vehicle off what ever the insurance did not. Also we had tried to recover the vehicle and the company never got back to us. XXXX XXXX in XXXX, CA is where we bought the vehicle and after 9 hours of sitting there we finally left with a car we kept trying to leave and telling them it was to much for us but we were pressured and made to purchase the car we were exhausted and just wanted it to be over. I have tried to dispute several times but nothing is being done. They were predatory and they lied to us and now we are stuck with this and it needs to be removed. The whole thing wasnt fair and we were lied to and mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Mountain Land Collections, Inc.
State: AZ

Complaint narrative:
This person has called my employer, myself and my wife. She is relentless and sneaky. When I returned her call she said she " couldn't find my file ''. We have NO clue what debt she believes we owe, but the amount of phone calls we've recieved is ridiculous. She told my boss " I would know who she was '' .. which I don't. We have no idea what debt she's attempting to collect and request to file a formal complaint for violating our consumer rights. The person calling is calling from XXXX and says her name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: AR

Complaint narrative:
I was trying to trade my vehicle for a 2020, due to the fact that I have a old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that some one has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX   XXXX  XXXX {$850.00} DEPTEDXXXX    XXXX {$10000.00} XXXX/XXXX  XXXX {$4200.00} DEPTEDXXXX  XXXX {$4000.00} XXXX   XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: FL

Complaint narrative:
I received an email for a settlement offer on XX/XX/2020 from AmerAssist in the amount of {$270.00}. On XX/XX/XXXX, I mailed out a money order for the settlement offer of {$270.00} at the United States Post Office.  This was scheduled to be delivered on XX/XX/2020 before the due date of XX/XX/2020. However, due to COVID 19, there must have been a delay in mailing. I have no control over the post office mailing. This payment has not been honored and does not reflect as settled on my credit report. AmerAssist is still sending harassing emails for payment when payment has been received according to the tracking information. They are refusing to honor the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I HAD BEEN CONTACTED BY XXXX XXXX  XXXX NOTIFYING ME OF AN ACCOUNT OPENED UNDER MY NAME SOCIAL AND INFORMATION. I STATED TO THEM THIS DEBT DIDNT BELONG TO ME THEY INSISTED I PAID. I ASKED THEM FOR PROOF VALIDATING DEBT THEY SENT ME STATEMENTS. I TOLD THEM THAT I NEED PROOF BEARING MY SIGNATURE WET INK. NEVER HEARD BACK FROM THEM THEN MIDLAND SEND ME A LETTER THROUGH XXXX STATING THEY WOULD SUE ME FOR THIS DEBT. THEY CALL ME OVER ONES A DAY AT DIFFERENT TIMES OF THE NIGHT. THEY'VE CONTACTED MY BOSS, AS WELL AS RELATIVES, TRYING TO SPEAK TO THEM ABOUT THIS FRAUDULENT TRANSACTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Improved Data Services LLC
State: WI

Complaint narrative:
Beginning in the middle of XXXX, I was contacted by Improved Data Services, and told that my account with XXXX XXXX was placed in the office of XXXX XXXX XXXX, which was the client of Improved Data Services. 

I was then told that I had 24 hours to come up with {$1200.00} to stop XXXX from taking me to court and garnishing my wages. I explained that I did not have {$1200.00} to put down as a " down payment '', but I would like to enter into a payment plan with them on a monthly basis. 

I was told that what I offered monthly XXXX {$150.00} ) was not acceptable, and I would have to come up with at least the {$1200.00} and {$120.00} biweekly ( the cost of the orignal loan payments ). I had 24 hours to see how much I could come up with. Or my wages would be garnished. 

I was able to come up with {$500.00} and this was suddenly an acceptable an amount as the " downpayment '' - and then I'd find a way to do the $ 124/biweekly. But now I've tried to talk to the reps again and can not do the biweekly payments of the {$120.00}. I'd like to set something else up, but am told that this is not acceptable. 

I'd just like someone to work with me - I want to make payments, but am struggling, and no one will listen.. just threaten to take me to court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: UT

Complaint narrative:
XX/XX/XXXX Funds transferred via moneygram money in minutes reference : XXXX amount sent : XXXX USD+XXXX fee : total : XXXX USD / recipient to receive XXXX CND Receiver went to pick up the funds. Funds were unavailable new reference number provided on XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX receiver called moneygram. Funds were still unavailable. Receiver provided with a complaint number : XXXX and promised on ( XX/XX/XXXX ) that funds would be available within 48 hours maximum. 

XX/XX/XXXX funds still unavailble receiver called money gram and ask to cancel the funds. Was told that sender ( me ) had to call for a cancellation or refund. 

XX/XX/XXXX I contacted moneygram and was told that a refund could not be issued that only the receiver could initiate that. 

XX/XX/XXXX receiver called moneygram and was told that only the sender could request a cancelleation XX/XX/XXXX : contacted moneygram, spoke with supervisor XXXX who informed me that only the receiver could request a cancellation. 

This is a critical time, I tried to send money to my son with the COVID 19 he has to be quarantine, lost his job on XX/XX/XXXX and has a XXXX XXXX XXXX XXXX XXXX. He needs the money now more than any other time in life. Moneygram has not resolve the problem and the money is still unavailable when the transaction was paid in full. He called Moneygram 9 times since XX/XX/XXXX and I called 3 times with excessive wait time on hold. I wish for the funds to be return to me so I can use a different method to send the funds. They are unwilling to do anything to solve the issue and quite frankly, I do not have the money to resend another XXXX cnd. I too lost my job and have absolutely no income. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: AR

Complaint narrative:
I was trying to trade my vehicle for a 2020, due to the fact that I have a old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that some one has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$850.00} DEPTEDXXXX    XXXX {$10000.00} XXXX/XXXX  XXXX {$4200.00} DEPTEDXXXX  XXXX {$4000.00} XXXX   XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2020-03-31 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to trade my vehicle for a 2020, due to the fact that I have a old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that some one has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$850.00} DEPTEDXXXX   XXXX {$10000.00} XXXX/XXXX  XXXX {$4200.00} DEPTEDXXXX  XXXX {$4000.00} XXXX   XXXX  XXXX  XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2020-03-31 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: AR

Complaint narrative:
Decided to make a big move to buy my first home. I knew I wanted to go into the first time homeowners program. Due to them being able to help you financially as I was sitting with my mentor he said my credit needed to be pulled. I knew I had good credit so I had no worries about that being the first step. Out of surprise a big list of accounts I have never ever seen or heard of in my life showed up. Those accounts do not belong to me. Please remove those things for my credit report. 

XXXX XXXX  XXXX XXXX {$4200.00} XXXX   XXXX {$6200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I have a mortgage through BB & T Mortgage. I live in California. My husband and I are both out of work due to the state wide mandated COVID-19 Lockdown/ Quarantine. I am not being paid and have been forced to file for unemployment. 
I have tried to call BB & T bank to discuss our options. I have called every day since XX/XX/2020. I have spent multiple hours on hold and have left messages. No one has ever picked up the phone nor have they returned our calls. On BB & Ts website, it states in the FAQ that they will give a 3 month forbearance but at the end of that 3 months, they want you to pay the full amount due. That would be 4 months of payments in one lump sum? How can we possibly do this? This is not going to help us. We have never paid late on any mortgage loan. This company is not helping the community during this horrific time of loss. What they are doing is creating more stress and potential heath problems due to their lack of communication and unreasonable solutions. We have been mandated by our government to stay home. Its not our choice. Therefore, this issue is not our fault.

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 2020-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC
State: IL

Complaint narrative:
Dynamic Recovery Solution. I have this account that is not mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Both me and my wife were laid off do to the Coronavirus outbreak and I called Citibank for days and waited on hold for hours to get a customer representative on the phone. Finally today after a wait of 1hr and 35 minutes on hold a customer representative answered the call. I explained our current situation to her and asked to have the credit card payment that is due on XX/XX/XXXX to be deferred, her answer was We dont have any type of guidelines in place right now to help you with a payment deferral, call back on your due date and see if have one then. Is just mind blowing that Citibank is not willing to help their customers in this time of great need. All the other major banks in the US and around the world have stepped up and are helping their customers but obviously not Citibank.

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 2020-03-31 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: LEXISNEXIS
State: PA

Complaint narrative:
I contact the four major credit bureas and lexis nexis regarding a mortgage account that is on my credit. The credit agencies XXXX, XXXX, XXXX, XXXX responded that the information was accurate and updated the mortgage balance to 100 % more than the last amount I disputed. Now these reporting companies claim I won a {$790000.00} Home when I disputed it the home loan was only {$79000.00}. How did this increase over {$700000.00} which is clearly a mistake and is not my own loan. Lexis Nexis has feed records which these company claim that is what was used to verify however the deed records I disputed has an incorrect name!!!! Its not my name!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX from XXXX XXXX, Illinois. 

I wrote to you today to seek your help. One payment gateway company named Square in XXXX XXXX maliciously hold the payout of our shops and users when epidemic is raging, depriving us of ability to against the virus. 

The Company name : Square , Inc The Company address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, USA Contact : ( XXXX ) XXXX ; Email : XXXX Square is a payment gateway company providing money collecting service, allowing shops and users to register in their company and use their payment service. They hold and suspended my payout worth {$50000.00} since last XXXX. As far as I know, they have no right to hold the payout of shops and users without providing time framework. Even when they need time to solve the chargeback dispute case of buyers and customers, they cant hold the payout indefinitely without giving a clear time to grant these funds. 

At the beginning, they said they need 90 days to deal with potential chargeback dispute and payout will be available in 90 days, which is understandable, reasonable and necessary. However, 90 days later, they still hold my payout and failed to send email to me. I sent email to them to ask for consultation and seek help but havent received any reply. As of today, they have held my payout for half a year, which is intolerable. 

As the new coronavirus is raging in America now, I dont have money to buy daily necessities to protect myself because this collecting company in your city hold my payout worth {$50000.00} maliciously without any explanation. I really need these money to buy some food and cleaning products. I dont want me and my family to contract coronavirus, but I dont even have money to buy some soups and sanitizer. 

Please help me reach the company in your area, since I am in a very urgent situation right now. I can not protect myself and my family because this company maliciously hold my funds. 

Thank you so much for your time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: AR

Complaint narrative:
Decided to make a big move to buy my first home. I knew I wanted to go into the first time homeowners program. Due to them being able to help you financially as I was sitting with my mentor he said my credit needed to be pulled. I knew I had good credit so I had no worries about that being the first step. Out of surprise a big list of accounts I have never ever seen or heard of in my life showed up. Those accounts do not belong to me. Please remove those things for my credit report. 

XXXX XXXX  XXXX XXXX {$4200.00} XXXX XXXX {$6200.00}

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 2020-03-31 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Decided to make a big move to buy my first home. I knew I wanted to go into the first time homeowners program. Due to them being able to help you financially as I was sitting with my mentor he said my credit needed to be pulled. I knew I had good credit so I had no worries about that being the first step. Out of surprise a big list of accounts I have never ever seen or heard of in my life showed up. Those accounts do not belong to me. Please remove those things for my credit report. 

XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX {$6200.00}

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 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX of XXXX, I applied for a Capital One credit card. Capital One required me to send a {$200.00} security deposit to open a secured credit card account with them. My credit limit was equal to the security deposit - {$200.00}. In XXXX of XXXX, I requested from Capital One a credit limit increase. They denied it. They said they do not increase credit limits for secured credit cards like mine which are correlated with a security deposit. In late XXXX of XXXX, Capital One increased my credit limit to {$500.00}. Thoroughly confused, I asked Capital One for my {$200.00} security deposit back and they refused. I have written them twice. I have reviewed Capital One 's credit card terms and customer agreements and nowhere in any legal documentation can a customer have a combined credit card which is secured and unsecured. They should have sent me another card with a {$300.00} limit or sent me my {$200.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
Capital Bank held a business account. They took the funds and closed the account upon rebranding their bank name to Horizon. I never authorized my business account to be stolen from. Thanks for anything you can do to avoid fraud in the future. This is bank is a scam. I never authorized any funds to be withdrawn from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-31 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me, there are several accounts that were open under my name that are not mine and need to be removed. Pleased remove these fraudulent unknown accounts form my report as soon as possible. 

DEPTEDXXXX XXXX {$10000.00} US DEP ED XXXX {$34000.00} XXXX   XXXX {$5700.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$7100.00}

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