vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: LA

Complaint narrative:
Hi, My name is XXXX XXXX XXXX, I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

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 2020-10-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Association Capital Resources, LLC
State: FL

Complaint narrative:
An associate of XXXX ( XXXX XXXX )  reached out to me on XX/XX/XXXX on a past due balance for the 2nd part of my HOA assessment. I made efforts to reach out to the HOA mgmt company on XX/XX/XXXX for remit information ( via email as that's how we've previously corresponded ) so that I could make the payment on time but it appears communications on both ends was not received. Initially I thought I had paid for this as some time had passed and I did not hear from them but the HOA mgmt company claims they sent a couple letters that I will say was never received. 
Either way they sent me to collections and we end up here dealing with XXXX. I understood my dues were not paid and sent XXXX a payment of {$240.00} the same day. XXXX  tacked on an extra {$440.00} of their own fees to the ledger and I have been disputing yet they insist they will continue to pursue those dues. 
I reached out the HOA mgmt company and they were aware I was in collections and told me the amount they sold to the agency was for approximately {$220.00} plus {$10.00} in interest. They also seemed a bit surprised when I mentioned the additional fees that XXXX was trying to charge me. I've relayed this information to XXXX who is noting it for my file but also says they will continue to pursue those additional fees even though I've paid the initial debt due to them already. 
This is really an unfair practice, the fees are flat amounts and end up being more than double the initial debt. Times are tough under this pandemic and trying to charge someone more than double a debt they were owed is egregious. Please help as I believe this is really taking advantage of the debtor.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY 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 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
XXXX XXXX stated that on XX/XX/2020 documents were served by XXXX XXXX however they were not. A civil suit was entered and I, the consumer never received hard copies. Per the declaration of service, the declarant stated that he spoke with a subject through an intercom and advised to contact the client. No documentation states that paperwork was received or given to anyone. As a result, the declarant could have been speaking with any residences of the household through an intercom system ( XXXX XXXX ). No documents were left detailing the matter at hand. In addition, I have been paying the debt collector monthly and speaking with numerous representatives and no one provided a formal Stipulation of Settlement. No representative can provide a copy of the settlement detailing my signature. I am seeking clarification and formal adjudication for this unresolved issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: TN

Complaint narrative:
Today, XX/XX/20, my application for an XXXX XXXX credit card was denied. They said that my credit accounts were frozen. Equifax, XXXX, and XXXX have each verified that my credit accounts with them are not frozen. What steps can I take to fix this problem? 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
On XX/XX/2020, I used my American Express Credit Card to make an appliance purchase that was under my balance by almost {$1000.00} dollars. At that time, the amount was authorized and then would finalize prior to shipping. 

American Express three weeks after the authorization reduced my limit by XXXX XXXX dollars! They cited review of my account, during which my XXXX  credit score jumped 40 points. I have never in my 20 year history with American Express been late or missed a payment! 

This was discriminatory as I am a XXXX XXXX XXXX XXXX and this is not the first time they have taken this action! 

The representative was condescending and insulting to the point where he scoffed and chuckled at the injustice I suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: LA

Complaint narrative:
I am on track for Public Service Loan Forgiveness. At one point my loans were serviced by the XXXX XXXX XXXX XXXX - that was shut down and my loans were transfered to my current servicer, Fedloan. Fedloan is alleging that payments I made in 2012 are not " qualifying. '' I have asked them for a copy of my payment record from 2012, which they say they are ordering a review of, but refuse to provide me with. How am I supposed to prove that I made payments in 2012 without access to these records, my bank doesn't retain records older than 7 years. Fedloan is refusing to provide me with a copy of my payment records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX i used an XXXX atm to take out {$360.00} out of my BofA/XXXX  card. The atm malfunctioned and didnt dispense my money but still charged my card. I submitted a claim with BofA and theyve been giving me the run around ever since. Iv tried everythimg imcludimg ombudsman and OCC to get my momey back with no luvkCK. BofA ARE THIEVES!!!! ... .THEYRE KEEPING {$360.00}. THAT ISNT THIERXXXX. 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 monetary relief
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
I keep receiving phone calls from United Collection Bureau ( XXXX ). I have repeatedly told them that the number they were calling was a work number and they are not to call it. I contacted them once again today, XX/XX/2020, and explained that I do not owe this debt or any other debt. I said that they need to stop contacting me. When I refused to provide my date of birth and current address, the gentleman refused to do anything. This is some alleged debt that I do not owe. They are constantly calling and sending mail to family 's houses, where I do not live.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
My daughter who previously had a juvenile account that was attached to my account, was the victim of a scam in which her banking information was used to steal XXXX from XXXX XXXX. XXXX XXXX  wrote off this amount as a loss after we communicated to them this was a fraud. We also filed a police report with the XXXX XXXX Police Department ( Case # XXXX XXXX. Although this is now a criminal case, XXXX sent this false debt to a credit agency called Credit Collection Services. This agency is now harassing us with phone calls and letters for a debt we do not owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX, my partner and I contacted AmeriHome to request an extension on our pandemic-related forbearance. According to the CARES Act law, it was within our rights to receive a forbearance for up to another 6 months. 
AmeriHome replied and asked that we contact them via Secure Messaging. So I had to resend the request immediately through secure messaging. 
On XXXX, we recieved a message saying that we had to call to review options. We tried calling, and were told to reapply online. When we reapplied online, we recieved a message to call. 
Over that next 3-4 weeks, I continued to email Amerihome asking if this meant that our extension was denied. Their response was that they " already responded to our inquiry ''. Their additional response said that we were now due for monthly mortgage payments as of XX/XX/XXXX and that the forbearance has ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been a Victim of ID Theft and multiple Inquiries are reporting on my XXXX credit report from CitiCard, Exxon CitiCard, THD CBNA, and Best Buy CBNA. I have enclosed a letter with the dates of each occasion. I have contacted XXXX  explaining the situation and they have referred me to CitiCard to have the fraudulent inquiries removed. I contacted CBNA and they are not helping me to resolve this issue. The multiple fraudulent inquiries are hurting my credit score.

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 2020-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal is fraudulently declining financial transactions to withhold cash-back award potential. Despite having a long established relationship with this vendor they have begun declining all transactions on business debit card ending in XXXX. My PayPal account is in good standing and is secured by a long standing link to my financial accounts at XXXX XXXX. Paypal despite repeated attempts to contact them by phone has zero support available and chat support takes hours and days to respond and do so with scripted messages that do not address the concern. When formally asked to escalate the concerns no additional action is taken nor additional contact made. PayPal is fraudulently declining transactions in an effort to deprive me of my cardholder right to receive cash-back rewards and unjustly enrich themselves through theft by conversion. Account ID : XXXX debit card end XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
XX/XX/2020 I went to a hotel on the beach in Oregon only after calling the facility and being assured they were following the Governor 's mandate on masks. It was all a lie and they were not. When I got there I peeked in the small lobby to see a large number of people not wearing masks including the facilities manager and her employee behind the desk. On the front of the registration desk was a large sign about three feet long that said, " No masks, no service ''. But about 60 % of the people in the lobby were not wearing masks AND the employees were not wearing masks so I did not enter. I came back later when the lobby had cleared out. I asked the employees why they were not wearing masks, they did not answer. I asked for my money back as I had provided a credit card when reserving the room. They said if I did not cancel the reservation more than 24 hours before that they could not refund my money. So I was stuck. In a town with 100 's of motel rooms there was no alternative as everything is always full. I couldn't sleep on the beach or in my car as I'd get a citation. So I used the merchants services and stayed in the motel the night, and then got the heck out of their at XXXX the next morning. Bank of America of course follows their antiquated rules and simply state that as I stayed at the motel therefore I can not successfully contest the charge. I would hope during a world wide pandemic people would understand that not only was the motel " not as described '' but they put me in a life threatening situation. I am XXXX years old and immune compromised. When I came home my doctor had me self quarantine for two weeks. I want to complain about Bank of America and they way they treat people that contest charges.

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 2020-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2020, my purse was stolen in XXXX, TX. My Bank of America Business debit card was used with unauthorized charges in the amount of {$1400.00}. I reported my card stolen to the XXXX Police Department as well as to Bank of America and opened a claim. I was told by a Bank of America claims specialist that I would receive a temporary credit on my account until the investigation was complete. I never received a credit to my account, nor have I received any written correspondents from Bank of America, in regards to this claim. On XX/XX/XXXX, I called Bank of America, and learned that the investigation had been closed, and they couldn't prove fraud because of XXXX transactions day before my card was stolen, and because whoever committed the fraud didn't exhaust ALL funds in the account, which is not usual fraudulent activity. In result, Bank of America is finding me responsible for fraudulent activity on my stolen debit card. This decision is unethical and unjust. The consumer should not be held responsible for any fraudulent activity on a stolen debit card.

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 2020-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: TX

Complaint narrative:
I was on my XXXX  yesterday and saw an advertisement for a mortgage with an interest rate of 2 % with and apr stated of 2.14 %. I swiped on it and filled out information for a call back, only to be told that lowest rate possible would be 2.25 % and I would have to pay an extreme amount of fees to get that, which would make the apr way higher than 2.14 % bc that takes into account the fees spread over the life of the loan. This is not just false advertising, its deceptive practice and is against the law. Lending Tree is the parent company that it went through, but it was also under the name XXXX, XXXX XXXX XXXX, XXXX ... .... they all are click bait for lending tree to sell my information to a local lender, who, has no clue what they are advertising and aren't able to deliver. This violates the advertising rules and is exactly what the laws were designed to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
There are multiple credit cards on my report that are not mine. I believe someone used my information to get these card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: PA

Complaint narrative:
U. S. Bank and the PA Treasury sent me a Reliacard which I did not request, nor have I filed for any unemployment benefits. I checked if there were any benefits on this account and there is {$9100.00}. I have no idea how these funds got on this card but I am certain it is fraud. I had to activate this card in order to see if there were any funds loaded. So now the person committing this fraud can request a duplicate card which they probably already have. My phone number was entered into site but when I checked it shortly thereafter the phone number had been changed from mine to another. As soon as I activated the card, the person committing this fraud must have received a text alert. There is no easy way to report this fraud to US Bank ReliaCard. Please make them shut down this account and look into why they loaded {$9100.00} on a card that I never requested.

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 2020-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX account keeps calling 4 to 5 times a day, saying XXXX account has been compromised. I asked them to stop calling.

Company response to consumer: Closed with explanation