vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I had credit card fraud, for {$68.00}, I called cardholder services reliacard # asap. I was on hold for an hour. Finally spoke with someone, however, everytime I got a rep on phone, I was either hung up on by accident or disconnected. 5 hours on hold everytime I call! If course, they cant call you back, so you have to start all over again. Before they inactived my card I said let me go to atm & get the money out. I did, then went to food store & by the time I got home, another fraudulent charge occurred for {$110.00}. I called & they inactived my card & sent me another card. A week went by & I have utility bills that need to be paid. I had {$420.00} and I went to use it & was declined again! I check the app & now I was fraudulently charged now, {$100.00} 4 times!!!! I was wiped out!! Got new card & without any notification, it was inactived & without any notice or instructions sent, I was to send by fax only, Drivers license for ID, social security card & W-2 form. I had no money so I could use a fax machine at an office supply store. I had {$2.00} left on another card. I faxed 3 forms of ID. I was told it wasnt legible. It has been XXXX! I was robbed, fraudulently charged {$600.00} & I can't take out the money I have on my card! I'm stuck! I finally found a fax machine h sent 3 forms of ID & all the documents that was mailed to me in order to investigate these charges & get my money back! No notifications that they received my fax & everytime I call, I'm on hold for an hour. To then get no help & hung up on again! I haven't eaten in 2 days. I have no money!!! I lost my XXXX because of this Pandemic & this card is the unemployment $ being sent. It's only {$170.00} & I have no way to find out any information on the status of ANYTHING!! I have to call & wait an hour & pray XXXX dont get hung up on or disconnected. THIS MONEY IS TO HELP US & I WAS ROBBED & I FEEL LIKE IM BEING PUNISHED! I HAVE NO ANSWERS & I WANT TO TAKE OUT MY MONEY BECAUSE IM STUCK NOW! I HAVE NO FOOD. CAR INSURANCE WAS CANCELED BECAUSE I COULDN'T PAY THE BILL!!! HELP!! I AM GETTING NOWHERE CALLING RELIACARD CARDHOLDER SERVICES XXXX  XXXX XXXX FL 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 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I try to do anything with their website ( currently trying to unfreeze our credit ). It says the website it experiencing difficulties. Try to call them and hold time is 30+. Told them about website but after a week still a problem. Extremely frustrating trying to get a mortgage or get credit opened. We are at their mercy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I have a loan with Toyota Financial for a XXXX XXXX   XXXX I set up automatic payments. Each month the amount due is deducted from my checking account. In mid XXXX I received a written notice that my payment was late, and that because my payment was late ( by only a few days ), a negative report would be sent to the 3 credit reporting agencies. I called them immediately and made full payment. They had no explanation for why this happened. The Toyota rep helped me reset my password. Today, I received a bill again. Because the bill made no mention of my automatic payment status, unlike other automatic payments I have set up, I phoned Toyota Financial to  confirm it was still set up. I waited an hour by phone with loudobnoxious music playing the entire time so that I could talk with one of  their representatives. The rep 's name was XXXX ( employee # XXXX ). She confirmed it was set up. I expressed dismay that the request I had sent by written letter ( the only form they would accept ) to have the negative evaluation removed was denied. She said the reason it was denied was because she reports that I had logged onto their website and before being able to go the website, a notice was presented that I had to accept ( that I had read it ). By accepting that I had read the notice, it changed the terms of my automatic payment, and removed it. Firstly, I do not recall at any time logging onto the site in the last six months. Secondly, even if I had, I believe consumer protection would have required Toyota to appropriately inform me that by accepting I had read the notice, my automatic payment status was cancelled. The rep, XXXX, said the notice was in the disclosures at the bottom of the website. Even if I had logged in ( which I do not believe I did ) AND I had accepted reading their notice ( in order to see my account ), it is NOT acceptable to change my payment terms without a clear and prominent notification. I believe it is fraud. I would like your help removing this negative rating from my credit report and ensuring that no one else has this incredible and unethical experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: CBC Companies, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX/personal loans dated XXXX XXXX.The letter states '' thankyou for applying for a XXXX personal loan on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.Why am i recieving this fraud inquiry a year latter from XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hello, Please reference CFPB # XXXX. It has been over 30 days for this investigation and there is still no supporting documents for this BK. Per the Fair Act this public record needs to removed or Experian, XXXX and XXXX are in the violation. 

I have all of the documents and certified mail I sent over to Experian, XXXX and XXXX. I'm sending a copy of all the mail to XXXX XXXX XXXX, which I will higher to address this concerns as he is the attorney that sued for millions of dollars. I'm sure he this case for sure. 


Public Record : US BKPT CT OH 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 2020-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
This is not my debt, I do not have a medical bill with this company. Please remove due to me refinancing my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX, I am speaking with XXXX at the executive offices, he is addressing my concerns with the refund amount of XXXX, when refund should be XXXX for fraudulent CPI charges placed on my account. Executive offices are claiming to have refunded all CPI related charges but can not verify where my over payments went as they do not reflect my principal or interest. He denied that CPI charges were included in payments acting as if the funds were held separately. I have a letter dated XX/XX/XXXX from Wells Fargo stating that my loan is in default because I did not pay all of the insurance premium in the 2 mo that I had the loan. Executive offices are denying sending this letter out. It is attached. Executive offices are saying I am not allowed to refer to my monthly statements for accurate payment calculations and schedule. 

Please advise where the loan payments from XXXX XX/XX/XXXX were applied to if they did not get applied to ins premium, late fees or additional interest. 

My loan was for XXXX at 5.99 % int. for 60 mo. 
The total paid out to Wells Fargo in 15 mo is over XXXX. 

Please advise where my payments went as I see that only XXXX ever went to my principal and interest.

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 2020-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
I am trying to refinance my home to get a lower monthly payment. As part of the process, I requested a payoff statement from my current mortgage provider, XXXX, XXXX. My original request was made on XX/XX/2020 ( 24 days as of writing this ), but nobody from the company has responded to my request. 

I have made a new request, both on their website and through their automated phone system. The company that I would like to refinance with has also made two requests, but nobody is responding.

My refinance company is saying that my rate may go up and I will have to pay a {$500.00} fee if they do not receive this within the next nine days. 

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 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
XXXX sent business representatives to my business to set up a business account. The sales rep made promises and she didnt execute on them. I went to a XXXX location where I cancelled the account and returned the phones. XXXX continued to bill me every single month. I went back to the location and they told me my account was cancelled and they were not able to figure out why I was being charged. The XXXX reps told me to call my bank and block the charges. I HAVE NOT MADE 1 PHONE CALL during my time with XXXX and THEY WANT {$1400.00}!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America is currently reporting 2 credit cards with inaccurate balances due to fraud. The balance on the cards include fraudulent charges and interests fees that i do not owe. 
BOA # XXXX BOA # XXXX I have disputed the accounts but Bank of America continues to verify to the bureaus inaccurate information. they have not sent me a fraud package nor attempted to adjust my accounts properly. Due to the negligence my credit has been damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
Re : Civil No. XXXX ( Circuit Court ) ; CAAP No. XXXX ( Hawaii Intermediate Court of Appeals ; and XXXX ( Hawaii Supreme Court ) Dear Sirs : I am a pro se litigant and am writing to complain and request your investigation and intervention concerning Bank of Hawaii 's ( BOH ) use and enforcement of a Mortgage/Deed form which violates federal and State of Hawaii law,  particularly under the " unfair and deceptive '' trade practice laws. My case is currently on appeal before the Hawaii Intermediate Court of Appeal in CAAP No. XXXX. 
Currently, I have a motion asking the circuit court to declare the Mortgage terms to be illegal, unconscionable, and the Mortgage void. ( ( A hearing is scheduled for tomorrow morning, but maybe continued because of the COVID 19 pandemic. ) I am also seeking a preliminary injunction to enjoin the continued enforcement of the BOH Mortgage terms and provisions. I am forwarding with this complaint a copy of my opening brief which addresses, in part, the legitimacy of the Mortgage and different versions of the Mortgage. 

Although the overarching theme of my case concerns the validity of the Mortgage form document and the efforts of BOH and its agents to conceal it from public and judicial scrutiny, there also exists credible evidence of fraud by BOH employees and/or its counsels. Earlier this year, I wrote to the Federal Bureau of Investigation concerning my case, but have yet to be contacted by any FBI officials. 

Because this Mortgage form has the potential of affecting hundreds if not thousands of Hawaii residents, I felt it incumbent that federal officials also be alerted and advised. I can be contacted via the above-referenced telephone number and email. Thanking you in advance for your prompt consideration of my request, I am, Very truly yours, cc : File

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a past due charge off balance on my credit report for the account that is paid off satisfied and should not be on my credit in first place ... I have been trying to contact XXXX XXXX XXXX on several occasions only for their automated system disconnect me after 30 -50 minutes of staying on hold.. They did send me satisfaction letter but still reporting a balance and bureaus are not removing this account and not updating the balance to {$0.00} because XXXX XXXX is NOT responding ... please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a past due charge off balance on my credit report for the account that is paid off satisfied and should not be on my credit in first place ... I have been trying to contact XXXX XXXX XXXX on several occasions only for their automated system disconnect me after 30 -50 minutes of staying on hold.. They did send me satisfaction letter but still reporting a balance and bureaus are not removing this account and not updating the balance to {$0.00} because XXXX XXXX is NOT responding ... please help

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 2020-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of  security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of TEXAS medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I checked my credit and shows my name was compromised there's charged off account from XXXX XXXX XXXX XXXX I went and file police report # XXXX my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK

Complaint narrative:
The first time select portfolio servicing miss appropriated the principle funds on my Account was The First Payment in XXXX. They did not pay on the Principle. They held the payment for more than 5 Days. Posted it late. Then they sent me a letter about setting up an Escrow Account as an Excuse. This theft pays out for the life of the loan. SPS is still stealing from me on this one. 
The second time sps miss appropriated the Funds on My Account was/is 6 months later. They modified the payout without notice or permission. Sent Me a Statement for 2 months only one payment and did not make the correct payment on the principle. Basically, It says. Don't worry about paying the XXXX payment. Pay XXXX and We'll only charge XXXX $ plus Your regular payment. I called them XXXX. I was told to call back in a couple of weeks to see if it's fixed. Two Times in 6 Months. 
They ASSUME EveryBody has a Computer. Sps has sent me several demand letters for asking for Proof of Insurance Coverage and  threatened to charge my Account XXXX $ for Insurance. My Home was/is Insured. I called the Insurance Company for Them. Told them to Fax Them the Policy had been Changed to sps on XX/XX/XXXX. On XX/XX/XXXX I get another Demand Letter Demanding written authorization signed by all signers of the original mortgage documents which states that you would like to set up and Escrow Account And Copies of current property tax and hazard insurance billing statements showing that these Items have been paid in full for the next ( 12 ) months. Evidence may be in the form of A. A paid in full receipt or B Front and back copies of your checks used to pay the Item in full. That's Verbatum to the Demand Letter. My Account had an Escrow Account when They took It over. 
They can't get the statements out in a reasonable amount of time and are trying to force me to pay late penalties. I've had to call sps more than 10 Times in 6 Months spending a lot of My Time dealing with their Demands. I've also E-mailed Them a couple of Times. I sent a Written Notice of Error on XXXX sps has Pressured Me EXTREMELY HARD for Online Payments. 
My Account. The Account sps acquired from XXXX XXXX Manufactured Housing has/had an Escrow Account Set Up. I did not borrow money  from sps. 
It's XXXX around XXXX XXXX Central USA Time and I'm Posting This. sps has not called me back or e-mailed me back with news that My Account has been corrected. 
sps has done this and other things to people on many other acquired Loans. They have not stopped stealing from People.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This complaint is in regard to PayPal and my financial institution, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. Neither has made themselves available to help me. 
On XX/XX/2020, I authorized a transfer of {$200.00} from my PayPay account to a friend 's e-mail account. No purchases were involved. The money was a gift to a friend in financial need. Unknown to me at the time, she had closed her account months earlier. Furthermore, she never had a PayPal account.

PayPal had the money sent from my checking account at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PayPal documented the payment as completed, however, to this day, the money has not been claimed by my friend nor has it been returned to my account.

I have not been able to speak to anyone at PayPal. I have submitted an inquiry and other correspondence via their Message and Help Center
s and have received generic, automated responses. I have spoken with two XXXX XXXX XXXX  managers who said I must pursue PayPal. They  refuse to get involved despite having made the transfer from my account. 

This is crazy. There is {$200.00} floating somewhere after almost 60 days. Would you please advise me as to any recourse I might have. Shouldn't someone at my bank at least be curious enough to want to help figure this out?

Company response to consumer: Closed with explanation