vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, my mother died and left an IRA in the hands of XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, ( XXXX ) XXXX. I was contacted by XXXX XXXX and informed as to what documents I needed to provide to obtain the account as executor of the will and trust on XX/XX/XXXX. Om XX/XX/XXXX I emailed the documents using the XXXX secure server. I called back 2 days later and was told by the woman answering the phone that she didn't see them and sent them again using the XXXX secure server and she acknowledged receipt and would pass them on to Mr. XXXX. Due to a quadruple bypass I was unable to follow up. On XX/XX/XXXX, 44 days after receipt, Mr. XXXX called and said I needed to submit the documents to get the money. I told him I had submitted them 44 days prior through XXXX 's secure server. He suggested that I send them to an unsecure email. I demanded to know where the documents I sent were if they did not go to XXXX 's secure server. Mr. XXXX finally decided to search their system and did locate the documents that had been in his possession for 44 days. He then told me that I failed to have the California notary use XXXX 's wording on the Affidavit of Domicile but had the notary attached a California compliant notary acknowledgement. Mr. XXXX told me that was no good and he had dealt with many Californians and they filled it out and I should do the same. Being a notary, I told him that it was illegal ( although did not cite CA Penal Code 470 ) and that it would be a criminal act to do so. After back and forth arguing and in which Mr. XXXX admitted that he did not know the notary law or procedure. He finally said he would check with his managers whether he could accept a LEGAL AND CALIFORNIA COMPLIANT notary certificate of acknowledgement. He never responded but then claimed that I had supposedly signed in the wrong area. Again none of these complaints by Mr. XXXX were made until 44 days after he was in possession of the documents. 

Right now because Mr. XXXX and XXXX have the documents they required and they know that they are to issue a check to the trust or estate to me they are guilty of conversion by wrongfully withholding the money. Presumably, Mr. XXXX will receiving a sizeable bonus by withholding the funds and boosting XXXX 's assets illegally. 

In addition, Mr. XXXX taped the phone call of XX/XX/XXXX and that tape has been destroyed it should be deemed and attempt to destroy evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased the XXXX XXXX Teal dress ( Order # XXXX ) from XXXX XXXX   XXXX  for my brother 's wedding and the dress didn't arrive in time. I returned the dress on XX/XX/XXXX and under the return policy, I was eligible for a refund. When I reached out to XXXX XXXX XXXX to confirm that they received the return on XXXX, I didn't receive a response. I then filed a dispute claim with my bank, Ally. Ally said that they would handle the dispute, I just had to submit paperwork and copies of my correspondence with XXXX XXXX XXXX. I did that via email. Today XX/XX/XXXX, I received a letter from Ally saying that they closed my dispute told me to contact the merchant. I then called their customer service line who did not help me. They only told me that I would have to contact the merchant to provide further documentation. I contacted the merchant and they said that there's nothing that they can do and to contact my bank. I am tired of Ally refusing to help me with this issue that has been going on for months. I want my {$150.00} back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
1. XXXX XXXX XXXX XXXX paid me {$80.00} via PayPal and sent the funds to my e-mail address XXXX 2. PayPal notified me of the transfer. 

3. Problem : I did not have an active PayPal account ( I closed it to protest PayPal founder 's support of the XXXX. I DID NOT HAVE AN ACCOUNT. 

4. PayPal held the funds and did not XXXX XXXX XXXX know that I did not have an active account. 

5. This situation is Tantamount to depositing {$80.00} in an account at XXXX,  and XXXX keeping the money, when I did not have an account. 

6. I had to open a new account to receive the funds. 

7. When I verified the account PayPal said that the funds were not present. 

8. I had to complain about the situation and eventually received the money. 

HOWEVER, HOW CAN A FINANCIAL INSTITUTION HOLD A DEPOSIT FOR ME WHEN I DO NOT HAVE AN ACCOUNT? THIS IS ABSURD AND ALSO SCARY. I CHOSE XXXX  ON PURPOSE GIVEN ITS SHADY HISTORY. 

Dear XXXX XXXX XXXX, Good day! I hope my email finds you well, XXXX. We can sense the importance of this matter to you. 

You have a very good point and I do understand the confusion, an email address that is not yet technically link to an account or not yet confirmed can received payments due to that we always give chance to everybody to use PayPal yet the sender can cancel the transaction when its tagged unclaimed on there end. To know more about PayPal please click on the link below. 

https : //www.paypal.com/us/webapps/mpp/paypal-safety-and-security On a personal level, I would like to extend our apologies for the inconvenience caused. 

Thank you for being part of the PayPal community. For additional questions, please visit www.paypal.com and click Help & Contact, near the bottom of any page. 

Sincerely, XXXX PayPal XXXX XXXX PayPal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX Transworld systems keeps robots calling my line early mornings and throughout the day and would not say anything. when i call back, it states this is not a working number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
After carefully looking over my credit report I ran across several items that are reporting incorrectly on my credit report. I then called Experian and they refused to remove the items because they claim a creditor is reporting it that way. But I told them it is incorrect and they refused. I even went online and disputed this with Experian as well and it will not give you the option to dispute on their website because they are claiming these items are reported. they are reporting inaccurate, unverified, untrue information on my credit report. Causing severe damage, stress, and mentally draining me. I am attaching my letter to this claim that I have submitted to Experian as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
While reviewing my credit report from XXXX  and Experian, I noticed several medical accounts in collections. Ive called the collection agency which is XXXX XXXX  XXXX more than 30 times requesting verification/validation that the collection accounts  belongs to me. Each time the customer service representative I spoke with stated that they cant verify the debt. Ive disputed the collections accounts with Experian and XXXX  several times and each time it came back as verified. Ive also sent Method of Verification letters to both Experian and XXXX. The disputes was closed because it was verified as accurate. The two credit bureaus above refused to provide me with their Method of Verification for the collection accounts with Optimum Outcome listed on my credit report. According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I have taxes impounded on my mortgage which makes my monthly payment XXXX higher than my principal & interest payment. 

By law or regulation what is supposed to be reported to the credit bureaus? P & I or P & I & impound? 

I understood it to be the LOAN payment ( P & I ) that should be reported. 

XXXX ad Caliber confirmed on the phone that it's " up to the lender '' to report what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am the co-signer on my sisters student loan. She got behind on a payment and they started calling me instead of her. I promptly informed my sister and she contacted Navient and they said my number would be removed from the call list. They started calling again from a different number. When I spoke with them I asked if they had contacted my sister as i had in the past. They said they tried but could not reach her, but just like in the past my sister said they did not. She called Navient again and they said they are not sure how my number ended up in the list again and said it would be removed again. 24 hours later Im still getting calls

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: AES/PHEAA
State: AZ

Complaint narrative:
Beginning XX/XX/XXXX and into XX/XX/XXXXXX/XX/XXXX XXXX began billing me without notifying me or sending me any bills. They did not call me, they did not email me, they did not send physical mail. I found out about the billing due to a 200+ drop in my credit score. I contacted XXXX through a conference call with XXXX  XXXX XXXX. When I told the XXXX Representative what had happened he was unable to provide me with any other information other than " we contacted you through your inbox ''. Upon informing him that I have not received any emails from XXXX he repeated the same statement over and over until he mentioned they were notifying me through their own messaging account system on the XXXX website. I did not have an account active on the XXXX website at the time of the billing period, therefore I never received any notifications. If there was an account under my name active on XXXX 's server it was created without my authorization or my knowing. I rated XXXX on the XXXX   website and they sent an unsolicited letter to my place of residence stating they were in the right and could not ethically reverse the negative reporting. I contacted XXXX on XX/XX/XXXX requesting an investigation, to which, they never replied. According to the Fair Credit Reporting Act XXXX can submit a revision to the Credit Bureau removing the negative reports from my credit report. I also know, under the FCRA, I can file for an investigation in dispute of XXXX 's error directly with the Credit Bureau with or without legal representation. The error being in violation of the Fair Credit Billing Act, XXXX did not properly contact me regarding my billing and therefore all submitted overdue debts were submitted in error. According to the FCRA XXXX is also obligated to resolve this matter and report back to me within 30 days. All of which XXXX has failed to do. Upon filling this complaint I tried to gather my billing statements and other information on my current XXXX web account, but all of the billing I did not know about have been removed by XXXX, but the delinquent credit report they submitted has not been removed from my credit report. They are clearly aware of the issue -or- have attempted to hide the problem preventing any possible reporting to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX/RESURGENT CAP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this  title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity  theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX/RESURGENT CAP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX TD/XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence dated XX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: De Lage Landen Finance, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, we purchased a tractor from XXXX XXXX on an installment loan for $ XXXX/mo for 84 months. We paid {$10000.00} down and have made 30 monthly payments in the amount of $ XXXX/mo.  We initially received payment books from the finance company, XXXX XXXX, however, have received no monthly statements, no year-end statements, no letters, nothing ... since the inception of the loan. 

Today, XX/XX/XXXX, I called to get a payment history/statement, showing interest and extra payments applied, and was told that information is not available. They can only provide a payment history that shows a simple date and the amount paid, with no interest calculations or extra payments applied. I already have a simple list of dates and payments I have paid. I asked to speak to a supervisor, and was transferred to XXXX XXXX, and was told that I need to educate myself on how agricultural loans work. She said they do not have to provide me any breakdown information, that I am responsible for 84 payments in the amount of {$250.00} regardless of the extra payments I have made. The only thing they can provide is an amortization schedule of the original loan plan, not one for the actual payments that I have made. She said that if I need that level of detail, I will have to contact my own accountant and have them figure it out for me! I was completely blown-away by this finance companies standards, or lack thereof. 

I would like a full payment history of my account, including all monthly payments, monthly interest applied, and how extra monthly payments were applied to the loan, so that I can determine if there is a discrepancy in the amount still owed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against AFNI for AFNIs failure to provide requested information for the debt alleged. AFNI has been attempting to collect on a debt that consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/18, AFNI responded to this request providing only statements for the original account, but no chain of title or documentation showing proof of ownership. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation