vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a letter of complaint against XXXX and my credit card company, VISA. 
I have contested the following charges against appearing on my credit card. 
I did not authorize nor do I recognize the charges. 
These charges are being billed to me wrongfully. 

{$51.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$39.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$100.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 I initially put in a call to TD Bank VISA card services. 
They informed me to contact XXXX to help resolve. 
I did so on XX/XX/2020 and was given a case # XXXX XXXX XXXX XXXX by XXXX. They claimed that they were unable to assist and directed me to the game app developers. The game app developers in turn directed me back to XXXX saying that XXXX had to be the one to assist. 
On XX/XX/2020, the case was reopened by XXXX. A new case # was assigned, # XXXX XXXX XXXX XXXX. Again, they returned with an answer that they were unable to do anything. 
I then, on XX/XX/2020, opened a dispute with TD Bank VISA card services, VISA. Case # XXXX XXXX XXXX XXXX was assigned. 
I was informed on XX/XX/2020 by VISA, TD Card Services, that information was requested by the merchant to substantiate these charges/ They informed me that the documents provided by the merchant supports the merchants position that the services were rendered. They did not provide me with any of that information. 
Again, I deny these charges and wish to be shown proof of these which they have failed to do so. 
I was directed to your offices to help as I am at my wits end. Please help. 
I have copies of all dated documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Aldous and associates has ignored my attempts to have them correct their mistake on charging me for someone elses account. The name on record is not mine and more. They have refused to send me documents of opening, id 's used, proof that they own the account and and have refused to even dispute the account. I was never sent any 30 day letter to respond to before this hit my credit report this is not my account and if not removed I will forced to file for triple damages plus punitive of {$10000.00} for harassment, hanging up on me, being rude and causing me grate stress while defaming my character. The balance though minuscule does not belong to me for {$140.00}. please respond via mail only no more harassment this is causing me undue stress on a matter I know nothing about. I am elderly and do not go to gyms due to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: CA

Complaint narrative:
I havent been charged Or convicted with any felonies or misdemeanors they have wrong information on search IDs XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 


Also on XXXX I wasnt convicted of this so I shouldnt have this on my record while this one says pending This been preventing me from getting a new job

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: OH

Complaint narrative:
I have called and made payment settlement and have paid the amount promised. I was told that the account would be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: Self Financial Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
This collection agency was collecting a debt on behalf of a hospital physician that could not bill me because the hospital failed to record my information properly two years ago. After I found out about the collection from a credit monitoring service, I reached out to Phoenix Financial Services. I notified them of the error, but the representative pressured me to pay the debt so it doesn't hurt my record. I settled the debt with the representative from an original amount of {$490.00} to {$140.00}. A week later, I was called by a supervisor from this collection agency to collect more money, because he claimed that the representative who I spoke to did not have the authorization to settle the amount to {$140.00}. 

They have broken the following laws : 1.The Fair Debt Collection Practices Act ( FDCPA ) which covers medical debts mandates that a debt collector is required by law to inform the person theyre collecting from that they can dispute the debt. This did not happen even though I told the representative that this is a billing mistake. Instead, he pressured me to settle so that it doesnt hurt my credit, as he put it.

2.The Fair Debt Collection Practices Act ( FDCPA ) states that a collector may not harass anyone over the phone or through any other form of contact. This did not happen when their supervisor called me to collect more money from me even after I settled a debt that I should have disputed first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I made a purchase with XXXX they sent my order to he wrong state and person And have been asking Pay pal to have me return the item back to XXXX from the wrong address 1,300 miles from my house. pay pals staff have been insulting degrading refused to honor their pledge to pay a refund and go after the vendor if the vendor/seller refuses to pay a refund after returning an Item. I did receive an item from California I returned it to that sleers store in XXXX XXXX. where it came from Pay pal has discussed the other person who received my orders refund with me more than twice now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-01 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: DISCOVER BANK
State: AL

Complaint narrative:
I reported that I had charges on my card that i didnt make and couldnt account for. they took them off and told me I wasnt responsible. I received notification by phone and then by mail in the 3rd week of XX/XX/2020 that I was responsible for these charges and they would be  placed on my bill again. 
I was told by the card investigator " XXXX '' that the reason why was because i " paid on the the fraudulent charges '' ( I never knew they were on the statements, I was just paying like I always do monthly ... ) and that there was a return or return ( s ), I dont know for sure, she wasnt specific, on some of those unknown charges, so that couldnt be fraud ... so basically accusing me of outright lying to her. Even though I had signed and returned an affidavit swearing that I didnt have my card or make any charges, nor have knowledge of those charges, which I did not. I only found out that my card had this balance when a third party monitoring service text my phone. it was only then I realized my balace was over XXXX $ that I had no clue about. I called IMMEDIATELY at that time and reported the activity I had no clue had taken place. I had knowledge of ONE charge, at quality used auto. before that, by card had less than XXXX $ balance on it. I knew what my balance was and I dont use my cards. All my cards are XXXX. so the alert came in and said your balance is XXXX $ and I had a XXXX XXXX nearly! So, anyway, discover decides after their " investigation '' that they are putting it back on my account. Now they refuse to allow me to re report it as fraud to them. they refuse to give me a telephone number to their fraud investigator so that I can explain to them why I " paid '' on the " fraud charges '' I didnt know existed. the representatives I speak to can not help me and are not interested in my rights being violated by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
Aspire charged a {$99.00} fee to activate the account. However, denied access to the full credit limit ; only allowing 50 % of the credit limit to be used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I called and spoke with someone in XXXX and and we discovered that the account wasnt mine. We had completely different account numbers and addresses. I disputed the account with a receipt attached showing that the information they have is incorrect and someone elses account. I C System Inc. is trying to collect on debt that clearly do not belong to me. They told me the only way they will take it off my account is if I pay or file for fraud. I dont understand why when I provided evidence proving that the information is incorrect.

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 2020-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MS

Complaint narrative:
This complaint is in regards to my request for a payoff to Rushmore Loan Management Services of my VA Mortgage in XX/XX/2020. The company Rushmore Loan Management Services did not provide a payoff amount to XXXX XXXX my new XXXX XXXX XXXX company when initially requested in XX/XX/2020. The company Rushmore MrLoan Management Services LLC. continued to procrastinate even after I contacted them and asked for a payoff for my refinance. Rushmore finally provided a payoff amount at the end of XXXX but would not process the payment from XXXX XXXX XXXX XXXX until XX/XX/2020, therefore, causing a late payment on my credit for late processing and not adhering to Fair Lending Act regulations. Rushmore Loan Management Services LLC. has not provided my Escrow Refund of {$1700.00}. Rushmore has not complied with the Fair Credit Reporting Act or Fair Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: Atlanticus Services Corporation
State: VA

Complaint narrative:
I, XXXX XXXX XXXX was pre-approved for two FDIC backed credit cards in which required paying a fee before they were opened. The XXXX XXXX card was eventually closed after initiating the first card and then the bank closing the initial card without consent and sending a new card, only for the card to be misrepresented in balance. The balance was paid off but the bank has not returned the {$100.00} applied to initiate the credit. The second card is Aspire MasterCard which required a {$99.00} initial fee to open the credit limit. All balances have been paid over the few months of opening the card. However, Aspire would like to close the account, indicating there is evidence of fraud with providing such evidence for review. So, they placed a hold on the account, which the consumer believes have always been placed on the account because the card only allowed 50 % use of the credit limit and declined 1 of 2 scheduled payments which included insurance and phone service. The consumer refused to close the account or accept a new card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I sold the property and the title company requested a payoff. At closing the title company wired the payoff to the mortgage company ( Fay Servicing ). Three weeks later the mortgage company reversed the wire and said that it was {$2100.00} short. Come to find out the mortgage company ( which had escrowed my taxes and insurance ) let my insurance lapse and placed forced insurance on the mortgage and said I owed for the insurance policy. More than 3 months later I still havent received any information or a policy purchased for this property. The title company had worked out the details and sent the wire back to the mortgage the next day. Three weeks later the mortgage returned the wire again. This time claiming I owed interest of more than {$1800.00}. Ive hired an attorney, the title companies attorney has been involved and 3 months later we still can not get a resolution with Fay Servicing. Fay servicing bought the mortgage in the first quarter of 2019. My taxes were due in XXXX, the end of XXXX I had to contact them inquiring why they havent paid the taxes on time. They said they would pay them in XXXX and they would pay the late fees. They did pay them but it was 2 months late. 
So, sold and closed on the property XX/XX/XXXX and as of XX/XX/XXXX Fay Servicing isnt responding to their own attorney which has been in contact with mine to come to a resolution. Im getting monthly mortgage statements showing they have the funds in an Unapplied account and my mortgage is months behind. The property has been transferred to the new owners so technically Fay Servicing has an unsecured loan now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, my boyfriend and I stayed in XXXX from the dates XXXX XXXX-XXXX XXXX, we left our card, which is Capital One, as a security deposit for the room Incase of any damage. We checked out of our resort on XX/XX/XXXX and on XX/XX/XXXX the Capital One card we used was charged {$1800.00} and {$99.00} on XX/XX/XXXX. The charge said XXXX XXXX XXXX XXXX #. We booked this trip through XXXX on XX/XX/2019, the total was {$3200.00} including our airfare, this was paid in full on that date. Of course when we saw this charge we tried contacting our hotel ( XXXX XXXX ),  which was very difficult because everything was closed due to COVID,  I finally got through to someone from the hotel and they had told me that XXXX never paid the hotel for our stay and it was now our responsibility and they were allowed to charge the card they had on file. I tried getting in touch with someone from XXXX and their website is completely shut down. Our only next option was to go through Capital One and file a dispute, we have filed 3 disputes since XXXX and they have yet to do anything for us. I am very upset because we have been a customer for years and they have denied my dispute every single time, we have sent many forms of proof showing our trip was paid in full. They have done absolutely nothing to help us, there are many people dealing with problems from XXXX. We are very upset and hope this gets resolved soon. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
I never ignored the debt. I paid the first payment on it in XXXX and received collection in XXXX. I was not given a chance for such a low debt. I have paid the account in full.

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 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank Amazon has not returned the initial fees used to open a credit builder account in which the balance was paid in full.

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 2020-09-01 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 2020-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
We have an alleged " mortgage servicer '' supposedly named Shellpoint that is attempting to collect a debt for a company that was order by the XXXX District of New York 's Bankruptcy court to dissolve and NOT service loans ever again under a pseudonym with their dba still being " XXXX ''. We have requested proof of bill of sale and transfer of accounts and proof of a document showing the Generally Accepted Accounting Principles because the letter that was submitted to us as response and to the Indiana State 's Attorney Generals office explicitly states that XXXX is no longer our servicer and NewRez will be going forward. We have yet to receive any proof of the debt as alleged in these confusing documents with multiple different variations of XXXX XXXX name still appearing as the loan servicer. We are very concerned that the company is still fraudulently attempting to collect a debt that they are not owed and not permitted to obtain. We have sent a Qualified Written Request to several different addresses they provided and only receive letters saying they are addressing our request and then another bill in the mail. Yet 0 proof of sale, GAAP or any valid response to our QWR Request for Inspection of Documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX report my Student loan account late to the credit bureaus which caused my credit score to decrease by 109 points. The president paused student loan payments in XXXX. I recieved an email about my student loan being late so just in case I requested a deferment to be safe on XX/XX/XXXX, on XX/XX/XXXX they reported my loan late. I have my student loan reported late, but now during Covid when the president paused student loan payments and after I requested a deferment XXXX reports my students loan payments late. Decreasing my credit score 109 point has caused hard ship I have worked very hard to raise  my credit to XXXX right before I get to 700 they do this.

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 2020-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2020 at XXXX, I received a call from the lender 's collection dept at BB & T regarding my vehicle loan # XXXX. This is my final payment and was due on XX/XX/2020. The lender told me they had a right to turn my loan over to collection after the 3rd day from payment due date. I have been paying on this loan for 4 years, and this was the first time I have been told this. My promissory note states the loan will be in default after the 15th day from payment due date. As mentioned, this payment was my final payment on the loan. Feeling threatened, I allowed them to accept my final payment in the amount of {$100.00} over the phone. I usually make my monthly payment by online banking thru my financial institution.

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