vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rushmore Service Center, LLC
State: MA

Complaint narrative:
I called XXXX XXXX at XXXX. I made an offer to settle an existing debt I owed. The lady I was speaking incredibly condescending and insinuated that I was morally bankrupt for not offering to pay the full amount. I expressed that I simply was looking to take care of my debt that I owed and would like to speak to a manager. I was then put on hold for 50 minutes. No one jumped back on the call at any point in time to tell me if I was still being connected. Just 45 minutes of hold music. I used a separate phone and called to ask to be connected with their FDCPA compliance department or a Manager. I was told they had no compliance department and no managers were available.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
THEY REFUSED TO EBILL ME CLOSED ACCOUNT AT XXXX/XXXX XXXX XXXX CC XXXX XXXX, XXXX XXXX XXXX, CA XXXX. 
THEY SAY ITS COMPANY PLOICY NOT TO PROVIDE EBILL FOR CLOSED ACCOUNTS! 
ACCOUNT HOLDER XXXX XXXX LAST 4 DIGIT 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 2021-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC
State: TN

Complaint narrative:
I already paid this debt and it is still in my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Recently, I got mail from Bank of America with a new account number and a statement showing beginning balance, deposits, etc. However, I did not request this account and I believe it was opened as a result of fraud. I visited the local Bank of America branch on XXXX XXXX in XXXX, WA and reported this as fraud, but was given a telephone number to call to resolve the issue. I called the number and was transferred a number of times but I never could reach someone that could help me. There was no automatic choice on any of the menus to report an account that was opened by an identify thief or similar. In short, there is no mechanism in place at the number I called to provide help for this problem.

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 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for and received a payment deferral at the beginning of COVID. After 2 months I contacted them and told them I was ready to resume making payments. They told me They would send me a payment deferral agreement in the next couple of weeks that I needed to sign. They told me I could go ahead and start making payments. 
I have been making my payments for the last 6 months and still have not received the payment deferral agreement. I call US Bank regularly to see what is happening and I get a different answer every time. 
I am trying to refinance my home and I am not able to do it because it shows my account in Suspense and does not show any of the {$17000.00} in payments I have made. 
The refinance will save me about {$800.00} a month. So far not being able to do it has cost me around {$4800.00}. 
I have not even been able to confirm the payment deferral agreement is being worked on. 
Can you help me?

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 2021-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
I purchased a XXXX XXXX  XXXX XXXX from XXXX XXXX, XXXX XXXX, KS on XX/XX/2020. On XX/XX/2020 I refinanced the loan with my credit union XXXX XXXX and was sent a check for {$37000.00} to pay off the Hyundai Motor Finance loan, which was mailed on XX/XX/2020. As of today, XXXX is advising me they have never received the check, although I've faxed and emailed them a copy of the check they endorsed and cashed. My credit report has now been affected and I've disputed the claim with XXXX and XXXX to no avail. I have reached out to Hyundai Motor Finance several times and keep getting the run around. I need to have the lien released so I can add my credit union to the title and this matter resolved ASAP.

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 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 

My email linked to my PayPal is " XXXX '' Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I am eligible for payment from the Santander multi state settlement due to unfair business practices and also paid off the account I had with Santander. I received written correspondence from both the Attorney General regarding the payment that is due to me as well as a letter from Santander that states my debt was settled and paid in full. I have contacted XXXX, and XXXX  several times providing this proof, however they refuse to correct my credit report and it is negatively impacting my credit worthiness. I have attached copies of the documents provided to all three credit bureaus and demand that my credit report be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
Received a 1099 B from Square , Inc where I received proceeds of {$2400.00} on XXXX XXXX 2020. I have reported to Social Security Adm., Federal Trade Comm., froze credit reports, reported to oig.ssa.gov. I have never done business with Square.Inc. or XXXX. Feel my identify has been stolen. Need the 1099 B done away with because I did not receive any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Caliber Home Loans, Inc.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: KEYCORP
State: CA

Complaint narrative:
My credit score dropped XXXX points in one day XX/XX/2021 even though I reduced my debt credit usage from 93 % to 77 % and have paid off a loan recently. This happened because my professional association was promoting a private student loan refinance company known as XXXX XXXX, owned by Key Bank, and included a link to calculate an estimate of the interest rate one may obtain with XXXX XXXX should they refinance with them. This was promoted as a finance tool however when I used it, it resulted in a report to the credit bureaus of a hard inquiry as if I had applied for an actual loan.The purpose of the promotional email was to encourage members of my professional association to research if they could first possibly qualify for a better interest rate, BEFORE, submitting a formal loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been in XXXX XXXX for 13 months building a retirement house. My Sears/Citibank MasterCard had significant fraudulent charges ( > {$7600.00} ) charged on it after it was never returned to me at a merchant. 

I reported it to Sears/Citibank promptly as fraud and was told the card account would be closed ( when the amount was less than {$1000.00} ) and the Company apparently didnt close the account and NO merchants have signed receipts for the charges ( not with my signature anyway ). I had a letter sent Certified Mail to Citibank Sears MasterCard but even though they acknowledge receipt of the calls and letter : Citibank continues to debit my bank account monthly and insists I made the charges. All with no videotapes, signed receipts or any evidence. Credit Card fraud can not be charged to the Credit Card Holder in my home State of Texas.

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 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against COLLECTION BUREAU OF HUDSON VA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax refuses to provide a free annual credit report via XXXX. Spoke with customer service supervisor on XX/XX/2021 and they confirmed that Equifax refuses to provide a free annual credit report via XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX is reporting information that I have asked to have verified multiple times. The Debt collector is reporting different dates and payment activity to the different bureaus.

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 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal Credit Union wrongly denied my disputed charge. I was overcharged by a merchant in XXXX and submitted documents proving he charged me over ten times the agreed price. I spoke to the merchant about this multiple times, and he first said he would refund me only if I returned to XXXX, and then he pretended he didn't understand XXXX, though he understood it perfectly well when I was in the store purchasing the items. The merchant defrauded me. So I turned to my financial institution for help. I submitted a dispute to Navy Federal, but they performed only the most cursory of investigation, ignored the evidence I submitted, and then ruled against me. When I submitted additional documentation including a letter from a US merchant supporting the allegation that the amount I was charged was very far in excess of the value of the merchandise, they not only failed to refund me, they refused to even look at my case! They recommended that I talk to the merchant, the very merchant who defrauded me. 

The XXXX merchant and I agreed to {$1600.00} USD for a collection of handmade metal items. This is also the amount documented on the itemized invoice and the customs form. However, the merchant charged me {$16000.00}! When I brought this to the attention of Navy Federal, they refused to refund me! I subsequently submitted additional information, and they refused to even look at my case. They recommended that I talk to the merchant, which I had already done unsuccessfully. I have attached the document I submitted to Navy Federal with my second appeal. This contains the invoice, customs form, photo of the items, and letter from a US merchant supporting my case. 

I am a victim of fraud, and my financial institution refused to aid me. They are negligent in their duties under the Fair Credit Billing Act ( 15 U.S. Code 1666 ) and implementing regulation ( 12 CFR 1026.12 ). So I appeal to my government for help. I ask that you compel them to do their duty to treat me fairly in accordance with the law. Please use your authority to direct that Navy Federal refund me. As the act permits charges to be recovered against the financial institution for its failure to resolve a billing dispute, I ask that you direct them to do so for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am exhausted from Equifax blatant disregard for my cosumer rights. Violation after violation has been committed under the Fair Credit Reporting Act. The Act clearly states credit reporting compnaies has 30 days to complete dispute or item in question is removed due to its unverifiable status. I will not stand for this anymore Equifax needs to remove the following items from my credit report. The items are submitted with this complaint. Failure to comply will result in a civil lawsuit againgst Equifax. Equifax clocks starts now. They have 10 days to remove the items or the whole corporation will be hearing from my lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XXXX I traded my existing XXXX KIA lease in for the purchase of a new XXXX KIA XXXX. Trade in negotiated by the Dealership, XXXX XXXX in XXXX CA. Deal accepted and I signed new loan docs showing the trade in and residual amt added to new loan. Signed a full Release of Liability same date and told to not make the following payment as they were sending the full payoff to Kia Finance. 
XXXX rec 'd a call from XXXX XXXX ( assoc with Kia ) that was a collection call on the XXXX KIA I traded in. ( 21 days later ) Explained I released the car XXXX and gave above details. Asked to make the past due payment to bring account current, then contact the dealer? Asked if KIA would not contact their dealer and answer was no. Asked for management. Called following day and again connected with a collector. I was told no payoff rec 'd contact the dealer. I went in to the dealership and spoke to their finance dept. They told me their check # XXXX was sent and cleared their bank XXXX for {$14.00}, XXXX. Now XXXX and I continue to get collection activity and the two are not talking to each other to resolve this matter. Only option I am being given is to pay for the car I no longer have by KIA. 5 coll calls, to discussions with reported KIA XXXX and discussions with XXXX XXXX has done nothing. KIA now shows I am 21 days late and the {$400.00} payment is up to {$810.00}. I am at my wits end and the " threat '' is the late payment will be reported to the credit firms. XXXX XXXX XXXX and I have NEVER had a negative credit report. Matter of fact two dealerships told me I had great credit. This will destroy that if the derog, to no fault of my own, is reported. Please help. I am stuck in the middle here. I will not pay for a car I do not have and have a Release of Liability form for.

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 2021-03-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX, Experian and XXXX, FHA Resource Center, RE : XXXX. 
CFPB XXXX .this is just one of the complaints. 

Every morning when I wake up, I have to fear of getting call 's and mail getting robot call 's were i had to change my phone number. were i missing a call about my brother because of the amount of robot call 's from the 3 party collection 's calling over 100 time when my brother died. and when you talk to a live person they don't care if your a victims they tell you to pay and then the will remove it, I cant sleep most nights without nightmares I so desperately want my life back. The life I had before the data breech that caused this night mar. XXXX, Experian and XXXX  still lets this happened, we had to file complaints FHA, CFPB is an independent federal agency built to protect consumers and nothing happening. collection 's dept. have taken money out my account 's were i had to change my account number. was XXXX and i have to pay a huge amount of depts.. exceeding over XXXX just to rent a place, i missed out of buying a home because of the fraud and the lack of reporting with my old home loan with XXXX XXXX. right, THIS HAS ALSO AFFECTED MY WIFE XXXX 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 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received a text message from XXXX on XX/XX/2021. It said it was from Bank of America, and they detected fraud on my account. The text asked me to type YES if it was authorized, and NO if it was not. I typed NO, and the person called me. Then, I received a text that said press 1 to receive a phone call from a fraud representative. 

The person called me and said he was from Bank of America. He said they detected fraud on my account, and that someone was attempting to request {$3500.00} from me through XXXX. I logged into my Bank of America online account, and I told him that I didn't see anything on there. He said, " Yes, we can see it in our system, even though it hasn't appeared on your account yet. '' He directed me to use my mobile banking app and click on XXXX. He told me that I needed to send {$3500.00} to myself to cancel out the attempt. He directed me to use my own email address ( XXXX XXXX XXXX ), and add myself as a payer for XXXX to refund the fraudulent attempt. So, I added myself. I assumed it was ok, since I was using my own email address. He told me to send myself {$1000.00}, then {$2500.00} to myself. I noticed that the name on the XXXX said " XXXX '', and he said that was the name of the XXXX fraud representative that would be working on my case. The funds were deducted, and I didn't not receive them back. I received emails about it, which were also spam. 

I feel embarrassed, stupid, angry ... .. I'm an educated person, and I felt in my gut like something was not right. I should have listened to that feeling. But, this guy was good. He said all the right things, so I thought it was ok. 

I called Bank of America today XX/XX/2021, and they said that it was a scam, and that they are seeing spoof phone numbers and scammers using XXXX all the time. They recorded my case, but said it was unlikely that they would recover the funds because they do not know who the recipient was.

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 monetary relief