vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I made a payment of {$2300.00} to Santander on XXXX via online ; I then called Santander so that they could allocate the payments for the next XXXX  months per the rep that I spoke with before I made the payment. When I called, I spoke with a representative whom told me that the payment could only be allocated for the next XXXX months which was fine. So the payments were allocated and I wasn't due a payment until XXXX, but I went in on XX/XX/XXXX and made a payment of {$230.00} just to get my balance down because I have already paid these people over {$25000.00} for a XXXX XXXX XXXX and I still owe them {$8000.00}. So, when I made the payment, my balance was {$8100.00} ( hence, the reason I made a payment of {$230.00} ). I went to my online account today and I noticed that my balance was still {$8000.00} because {$150.00} went toward interest. I called Santander and spoke with agent # XXXX, I asked to be transferred to a XXXX, and was transferred to XXXX agent # XXXX, I asked XXXX to transfer me to someone over her so she transferred me to XXXX agent # XXXX and she told me that they normally don't get these kinds of questions because most people read their contracts. I read my contract, and there is nothing pertaining to if you make a lump sum payment and wish to have it allocated that you will be charged interest as if you missed payments. Because had I not made a payment until XXXX, as it was supposed to have been, all of that payment would have went toward interest. From XX/XX/XXXX to XX/XX/XXXX, I had interest of {$150.00} on XX/XX/XXXX {$240.00} of {$440.00} payment would have went toward interest. That is highway robbery. I called them back and spoke with XXXX agent # XXXX, and I explained to him that I didn't understand how I could be charged interest as if I didn't make a payment if the payment is supposed to be allocated to each month, I told him that it didn't make sense, and he told me it did, because he has a simple interest loan with them as well. Well it doesn't make sense to me. If you are in a simple interest loan, do not make a lump sum payment and have it allocated because interest is going to eat you alive!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I had a line of credit with affirm for a chair I bought from XXXX  XX/XX/2021. It says you will receive the product within 20 days. I never received it. So since I did not I filed a dispute with affirm. I had to send the screen shots of the problem multiple times ... .after a month they were finally disputing it with the card...... I guess that takes XXXX days they said you won't be able to make anymore payments while it's disputing. 

Now that I go to use affirm again they denied me for failing to pay my loan!!! I was like no it's in dispute. They sent me a letter for credit denial because I failed to pay my loan... .the loan that is in dispute. This is incorrect information. I did not fail to pay my loan. I paid it up until they said I can't anymore since it is in dispute. Not to mention I still have not received a refund for the payments I did make for a product I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I purchased a car back in XX/XX/2021 in which the same night I found multiple violations in our initial contract which in this case voided the contract that the dealership XXXX XXXX XXXX or Capital One did not go over or handle properly and had very misleading information in it. The next day I sent the dealership and Capital One Auto finance a Rescission letter XX/XX/2021, an affidavit of truth including a Cease and Desist letter telling them I refuse to pay the alleged debt and to stop any further communication with me unless its to give me the remedy I demanded. I had the papers notarized in my residing state and said I will take legal action if need be to exercise my rights. They never responded after weeks and I had the letters sent Certified mail so I knew they had received them so I sent them another Affidavit of Truth with the evidence of there violations and another Cease and Desist and Debt validation letter but they disregarded my letters once again and called me everyday sense and sent me letters stating if I don't pay the alleged debt they will take my property despite me sending them a written notice that they violated out contract they have not responded to my letters nor have paid any mind to my request. I have put a lot of my income into my car and they are threatening they will take it away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Because of the Covid pandemic I got behind on my monthly payments. Prior to the Pandemic I had a perfect payment history. I was enrolled in a payment program for Chase Bank. I was told that after making XXXX payments of {$310.00} that my account would be back in good standing and could be reinstated. I made the XXXX payments and brought my account into good standing and received a letter from Chase stating that my account was back in good standing. 

My account has not been reinstated nor was I notified of such. I reached out to Chase cusomter service to correct the issue. I spoke with XXXX ( ID # XXXX ) on XXXX and was told a supervisor would call me back. XXXX ( # XXXX ) called me on XXXX and told me she would review the case and get back to me on XXXX. No one called me back. 

On XXXX I called to make my monthly payment of {$220.00} and to inquire on reistating my account. I spoke with XXXX and he referred my to XXXX  ( # XXXX ). He sent me to XXXX ( # XXXX ). XXXX told me that someone did try to call me back although I never receive any voice messages He also stated that there was no record of anyone telling me that my account would not be reinstated. So I am filing this complaint to implore Chase to do the right thing. I have done everything they asked in good faith, now I accept the same in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC
State: CO

Complaint narrative:
This is a follow up to complained XXXX and XXXX Service Financial is either purposely trying to steal from me or is being lied to from the contractor. 

There was NO additional work requested as Service Financial claims in their response. 

The contract was for half up front and half upon completion. The last half was to be finance by Service Finance when the project was completed. 

Service Finance mistakenly financed the loan at the beginning of the project. 

The project WAS NEVER COMPLETED. 

Please help. Service Finance knows they did a mistake and even admitted it during a recorded phone call. They gave the contractor the last half of the money and then the contractor failed to complete the project! 
Please do not just close this case. Ask Service Financial for the contract that was supplied by the contractor. Ask Service Financial for the proof that the project was signed off as completed by the consumer! Service Financial should have a document from its saying that the project was complete and to fund the loan.

PLEASE ASK SERVICE FINANCIAL FOR THIS PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I reported my Macy American Express card lost and stolen and I requested a quick shipping of my credit card and it was received the next day and I called customer service to activate it and it was activated and XXXX unable to add it to my Macy app and it keeps giving me the error message and XXXX unable to add my Macy American Express card online and I was told I need to use my laptop which I tried but Im still getting the error we are unable add my card because its been transfer to new account number

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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has taken off a XXXX that was on my credit report incorrectly only to put it back after XXXX months. This mistake has damaged my credit file and cost me time and money, I was just denied a loan because of the inaccuracies of Equifax reporting. 

The item that is to be removed is : XXXX. Chapter XXXX XXXX XXXX I am sure that Equifax is aware of the provision of Section XXXX of the Fair Credit Reporting Acto of 1970 is clear, I want this account to be removed from all current and future credit reporting. 

Additionally please tell me the names of any individual and or organization that you spoke with so that I can speak with them. 

Section XXXX ( a ) plainly states that a failure to investigate this account within 30 days constitutes a reason for permanently delete of the information on my credit report. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
This is in reference from transactions on XXXX XXXX before my account was locked with no explanation. 

I submitted XXXX emails to Coinbase with only " We are working on it '' generic responses. 

XXXX ) My transaction records do not match what was actually sold or withdrawn. 
XXXX ) Coinbase initiated a transaction in my account without my knowledge. 
XXXX ) I need reimbursement for all fees associated with transactions on XX/XX/XXXX that did not actually go through. 
XXXX ) I need my transaction records updated as to the actual sales on my account ( Delete the ones that were cancelled / altered ) XXXX ) Coinbase took {$21000.00} from my account without any consent or explanation. 

This happened to thousands of other people with no explanation. 
XXXX XXXX on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
XX/XX/2021 i got a email PDF from mr cooper stating that they addressed my complaint when i said they were falsifying information in relations to a XXXX modification. The letter and the XXXX enclosures are not representative of the EXACT situation there are multiple XXXX singed on different Years used to respond to this specified complaint there are multiple income sources that are attributed to Other modifications that were used to respond to this XXXX situation in which i was was referring to were Documents were kept and i was penalized for untimely filling or they needed more documents or it was because of affordability. The sheer disrespect of the law and magnitude of what this could represent is ALARMING. I CANT BELIEVE TAX MONEY IS GOING TO A FED ENFORCEMENT AGENCY THAT ACCEPTS BLANTANT MANIPULATON!!! look at all my complaints i know ive rambled etc but ive always referred to one specific instance and then would say this has been a ongoing situation. Now its right there in plain view they LIE and said its backed by XXXX /CFPB because they just reproduced documents that they always have had only to deny me when it suited their purpose .... when its affordability they claim i don't file on time when im referring to timeliness and produce proof then it its missing documents when i show that the docs weren't missing then i have to resign cause they need a new signature or they lost a upload on their server or affordability etc.. THIS IS MADDENING THIS IS A NIGHTMARE ... documents were never missing or lost unless they wanted it to appear that way!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX reported my XXXX credit report twice XXXX different accounts number and wouldnt remove the lost and stolen account with the balance {$1100.00} and I have XXXX accounts now and I would like for the old account number removed from my credit report and keep the new account number on my credit report please fix and my second issues is Im unable to make any change on my XXXX online profile and Im getting a error message saying this online profile is not available I cant make any changes such as my phone number or request a credit limit increase at all or update my phone number

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 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was XXXX in the beginning of the year so there is no way I purchased a vehicle from XXXX XXXX XXXX XXXX because after my XXXX I lost my job so I just got on my feet and pulled my credit to see an unauthorized auto loan from XXXX XXXX XXXX XXXX in XX/XX/2021 please remove from my credit because it was not authorized.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I was XXXX  in the beginning of the year so there is no way I purchased a vehicle from XXXX XXXX XXXX XXXX because after my XXXX I lost my job so I just got on my feet and pulled my credit to see an unauthorized auto loan from XXXX XXXX XXXX XXXX in XX/XX/2021 please remove from my credit because it was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Problem with Credit Card Charge. Vendor use was XXXX XXXX XXXX, who then dispatch XXXX XXXX XXXX  ( XXXX ), who in term charge my credit card {$85.00}. I dispute the Charge because the initiate was to XXXX XXXX XXXX, that who I pay a monthly fee to protect my home. Shortly afterward, it was XXXX XXXX XXXX XXXX has a class-action lawsuit pending for fraudulent repairs- no repairs are NEVER DONE- Instead the repair is denied, and the Vendor charge credit card. ALL part the class action Attorney General lawsuit. See Attach. My Bluebird card end was close as I INCORRECTLY ACCUSED OF FILING A FRAUD DISPUTE. When actually Firms that facilitate fraudespecially against the elderlyneed to pay a price. XXXX firm may operate in the background, but theyre very much in FTC sights. I m filing a complaint as it is reason to believe that the named ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Phone : ( XXXX ) XXXX XXXX are violating the law and it should be noted to the Commission that these proceeding ARE NOT in the public interest, as they process KNOWN fraudulent charges given Attorney General fraudulent lawsuit, as part of a larger fraud scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I had an account with Target credit card and the account was closed and charged off. I noticed the company is reporting the account information inaccurately on my credit report, so I reached out to the credit bureaus to let them know that the account is not reporting correctly and they continue to validate the account even though the information is inaccurate. I reached out to Target credit for the XXXX time on XX/XX/2021 and they failed to correct the account afteXXXX XXXX months of disputing this inaccurate account with them. They keep ignoring my request for an investigation. They refuse to delete the inaccurate information from my credit report. They continue to send me the same auto generated letters month after month in response to my disputes. They are reporting the account inconsistently. Each credit bureau reports this account differently. I found the FCRA 's XXXX 's XXXX that states that furnishers have specific obligations including reporting 100 % accurate information, not 90 % or 95 %. Target credit violated the FCRA by ignoring my request for an investigation and reporting inaccurate information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Within XXXX ( XXXX ) minutes of each other on or about XXXX P.M., today, XXXX XXXX I received XXXX dunning telephone calls from the Bank of America. 

Furthermore, I had requested a reduction in my car loan payments but never received even acknowledgment from the Bank of America and yet the now are harassing me for full payment despite my request! 

I am a XXXXr citizens of advancing years with very serious medical problems indeed and the Bank of America is committing elder care law violations!

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 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
I recently received an alert that Amsher placed a collection on my credit report. I have never done business with Amsher and the debt that they're attempting to collect is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MN

Complaint narrative:
This is the XXXX time I am disputing the same identity theft debt from XXXX. Each time I report it through CFPB the corresponding collections agency closes the account, and my credit score returns to normal because the debt does not belong to me. However, when there is an inquiry on my credit for a new lease or a credit card, the debt ( {$400.00} ) pops back up immediately with another collections agency. 

The XXXX previous collections agencies were XXXX XXXX XXXX and XXXX  ) XXXX  XXXX. It seems to have been moved or sold to Enhanced Recovery Company in Florida. 

I have never been contacted by any of these agencies. I find out about this fraudulent debt when I check my credit score. Again, I have never been notified by any collections agency. 

I have no documents to show for any of this because XXXX XXXX XXXXhe debt doesn't exist and XXXX  ) I have never received a call or a piece of mail from any of these companies, including XXXX  itself

Company response to consumer: Closed with explanation