vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: IL

Complaint narrative:
I signed a 24 month contact with XXXX  on XX/XX/XXXX the contact ended XX/XX/XXXX, They were supposed to Bill on the third of each month starting XX/XX/XXXX. XXXX instead billed me the XX/XX/XXXX because they said they would be billing a month in advance. After 3 months of service they increased the price and changed my billing date to the XXXX of the month. I still made all 24 payments and cancelled service. They wanted me to get a new contact for another 24 months at {$200.00} a month so I would not sign. called them took all their equipment back on the XXXX of XX/XX/XXXX they said I would get a {$29.00} dollar credit, but then they said I owe them because they bill in Advance, I sent them a copy of all XXXX I paid, now they are saying I own it For XXXX that would make me pay 25 months and if I hadnt paid XXXX why would they bill me {$200.00}, they have turned it over to A collection agency even though I sent them a copy of all payments. I did not have or use service after the 24 months. With that big jump in price

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
On XX/XX/2019, I sent a validation of debt letter to Receivable Recovery Services, a collection company that now owns a supposed medical account of mine. I do not recognize this account, which is why I sent them a validation of debt letter. According to the FCRA, the collection agency was to provide me with : - what they say the money I owe is for ; - how they calculated what they said I owe ; - copies of any papers showing I agreed to pay what they say I owe ; - a copy of any judgment ( if there is one ) ; - identify the original creditor ; - proof the statute of limitations has not expired ; - proof they are licensed to collect in my state ; - their license numbers and registered agent. 
Not only did they disregard my requests and not provide me with any information, as a collection agency, they blatantly broke the law that is the FCRA. I have attached my original letter and their response. On their response, I highlighted the specific section where they state I asked for validation of debt, but they only provided me with verification which breaks the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. My personal information was used to obtain credit with XXXX XXXX. I found out about this when I began to receive debt collection calls from XXXX XXXX. That prompted me to take a look at my credit report and that's when I noticed that someone had used my personal information to apply for and obtain credit. I also noticed that the criminal had tried to obtain credit at other financial institutions as well. This is the worse thing that I've ever had to deal with. It is extremely dejecting trying to deal with the credit reporting agencies and banks to get this fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. My personal information was used to obtain credit with XXXX XXXX. I found out about this when I began to receive debt collection calls from XXXX XXXX. That prompted me to take a look at my credit report and that's when I noticed that someone had used my personal information to apply for and obtain credit. I also noticed that the criminal had tried to obtain credit at other financial institutions as well. This is the worse thing that I've ever had to deal with. It is extremely dejecting trying to deal with the credit reporting agencies and banks to get this fixed.

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 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: IA

Complaint narrative:
If a person pays intrest on the credit card balance one month, then pays off the balnace IN FULL the following month according to the listed debt, the company says if you don't stop using the card by the 'close of billing date ', they are going to charge you interest again. I feel this is discrimintory or discrimination. I was able to pay off my debt IN FULL, by the close date on my account, yet I was charged addition interest because i used the card in the next billing cycle - even though that balance had not been on the card for more than 30 days. A person that borrows money pays it off in full even though they are not paying until the end of the grace period time & have continued to use the card are not charged interest. This is discrimination against the person who must borrow from time to time, yet does not keep a balance on the card. According to the terms & conditions they can charge me, but they can't charge the person who dose n't pay off the bill entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
When I took out my Navy Federal Home Equity Loan, was informed they would waive all closing costs if I kept the loan for 2 years. It's been in excess of 3 years and I called to get a pay off, and they are charging me for a fee to file the satisfaction of the debt and stating they are not overcharging. I found online with OC Recorders Office, they charge {$20.00} and Navy Federal, although they never stated they would be charging for filing a fee for satisfaction of the debt, they are charging {$85.00}. Full disclosure was never done here on this and I dispute the amount - I have a document that shows {$20.00} that I have forwarded to them..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am filing this consumer complaint because I attempted to resolve my concerns directly with crooked PHH/Ocwen and its dishonest lawyer who lied to cover up loan servicing abuses that have caused me extreme harm, just like when Ocwen/PHH and attorney XXXX XXXX accused me of not putting my loan number on a cashiers check when I did. The pretender lender loan servicers and XXXX XXXX never apologized for intentionally harassing me to cover up loan servicing abuses. On XX/XX/XXXX, XXXX XXXX attorney XXXX XXXX responded to my consumer complaint misleading the CFPB to cover up more loan servicing abuses. I attached documents that prove how dishonest they all are. My XX/XX/XXXX, payment was due. On, XX/XX/XXXX, I paid the XX/XX/XXXX payment on XX/XX/XXXX which put my account into a current status. My next mortgage payment was due on, XX/XX/XXXX. The documents I attached for review proves that the troubled loan servicer is pretending that my loan was over 31 days late when it wasn't. On XX/XX/XXXX, just days after my account was put in current status the troubled loan servicer created a XX/XX/XXXX, statement early so they could pretend I was in default, because that's what pretender lender loan servicers do. On XX/XX/XXXX, when my loan was in current status and not in default I received an early intervention letter giving me options how to give my home to the pretender lender loan servicer or how to save my home from foreclosure. On XX/XX/XXXX, I mailed a letter to XXXX XXXX regarding several concerns I have about PHH/Ocwen loan servicing abuses including requesting written consent from the troubled loan servicer to put my property in a living trust, as of today XXXX and its lawyers failed to respond. If XXXX XXXX dishonest attorneys continue to be dishonest to cause me extreme harm I will have no other option other then to search for help from other sources including law enforcement and the city mayor to investigate my concerns. I am asking the troubled loan servicer and its attorney to try and be honest and respond to all my concerns that I addressed in my XX/XX/XXXX letter mailed directly to the troubled servicer and its attorneys. Please respond to my latter dated, XX/XX/XXXX immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: NY

Complaint narrative:
American Express's prepaid debit card services (Serve, Bluebird) have been completely non-functional since ~XXXX EST this morning, on Friday, XX/XX/2019. Users (including myself) are unable to log into their account on either the serve.com website or through the Serve mobile app. The app displays a message explaining the issue is due to maintenance. The website displays a message explaining that the site is down, but affected users' debit cards can still be used. However, said cards are declined when used for transactions, both online and physically. When asked for comment, American Express's officiaXXXX XXXX accounts (@AmericanExpress and @AskAmex) send generic, copied responses that explain little regarding the status of the problem (ex: "Thank you for reaching out, we are aware of the issue and we are working quickly to resolve it. We appreciate your patience. Your funds remain safe and secure. ^D".) In the meantime, the @AmericanExpress XXXX  account posted a tweet promoting a production of the theatrical play XXXX before acknowledging the ongoing issues on the account an hour later. The effect is worsened due to the outage occurring during the XXXX shopping season and on the day of the week that many working Americans receive their weekly paychecks, which American Express offers and promotes a direct deposit service for and is now unavailable to those using Serve and Bluebird debit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: Paypal Holdings, Inc
State: MO

Complaint narrative:
I made an online order from XXXX XXXX for XXXX on XX/XX/XXXX and paid thru PayPal. Funds were debited from my checking acct on XX/XX/XXXX. On XX/XX/2019 XXXX was again debited from my account by XXXX XXXX. I had not placed another order nor authorized XXXX access to my bank account. I called XXXX and they claimed they had a communication issue with PayPal and suggested I call them. I called PayPal and they claimed they hadn't shared my info and suggested I call XXXX. When I told the rep I'd already done so and they were blaming communication error with PayPal he just told me he'd look into it. I explained I was very upset because it was obvious XXXX got my banking info and the sole purpose of using PayPal was to ensure security. He then suggested I call my bank, which I'd already done. Neither PayPal or XXXX would take any responsibility for double charging me. I had to freeze my debit/credit card and file a dispute thru my bank. I feel PayPal is fraudulent in promising security and XXXX  is fraudulent in charging for an order theyd already been paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: NY

Complaint narrative:
On XX/XX/2019 I attempted to log into my Serve.com   app to check my balance, and was unable to do so. Upon further investigation, I realized that I was unable to use my card, check balance or anything at all. This is the card that I use to have my paycheck direct deposited on, and being unable to access my funds is causing me financial hardship. It is five days before XXXX, and not only do I have bills to pay, presents to buy and children to feed, but I can't even put gas in my car to get to work. This is unacceptable. As of this point, this is the first issue I have had with this company, but I am beginning to think I need to find another prepaid card to have my deposits added to. I would like compensation for my trouble and hardship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have had an account with PayPal for years. They already have my SSN, address, phone number, credit card information. Now they have limited my account access and want a photo driver's license and a utility bill. This is too much. Then PayPal tells me I can't cancel my account! I found postings on the web from 2008 from customers PayPal attempted this with and it was thought to be a scam.  I have lived in the same house for the past 30 year, no problems with the PayPal account. I had to go into my PayPal account and change all the information I was allowed to change, then closed my account. Couldn't delete but did close it. No way am I giving them a copy of my enhanced driver's license or utility bill. Now I want to be sure they no longer have access to my SSN and other information. PayPal told me that the extra PERSONAL information was required by the government. What part of the government they couldn't tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
In XXXX XXXX my property was hit by Hurricane Michael.  I attempted to repair the property after several difficulties with my contractor and since I am in the XXXX XXXX XXXX outside of Florida. I decided to sell my property at the beginning of XXXX XXXX. I was given an offer for XXXX which I accepted. I promptly requested a payoff from my mortgage company. The payoff I received did not include the remaining funds from my restricted escrow account with XXXX dollars in it. All the payoffs I received stated approximately XXXX, but it should state approximately $81,000. After spending hours and days on the phone and their continued promises to send me required documents they still have not. I was supposed to close on XXXX XXXX XXXX  but because I haven't received an accurate payoff statement with the insurance proceeds on it I have not been able to complete the sale.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
They said they had sent out a letter and we never received it and then we got a card that said the account had been closed. And when we went to the bank we ask XXXX XXXX if we could get a letter and send it back in and he said no. XXXX XXXX told me that the money was in the bank but he didn't know where, and he gave me numbers to call and it was always automated never could talk to anybody, so we left a message and they have never called back yet. So then went back to Truist formerly Suntrust and talked with XXXX XXXX again and I told him he worked for Truist  formerly Suntrust he should be able to get more answers than I could. XXXX XXXX called me back a couple times right after it happened, then he never called us back anymore. So we went back to see XXXX in person he wasn't in, so we talked with XXXX XXXX and we haven't really got any more answers since then and it has been 3 months or more so that's why we reaching out to consumerfinance to find out where my money is, because nobody at Truist formerly Suntrust  can tell me anything. XXXX XXXX acted like they wasn't responsible for my money. XXXX said the money could not be put back in the account, this is the Suntrust branch in XXXX, NC. I ask XXXX why they had all automated stuff so they wouldn't have to talk to anybody and she said yes. So I ask her if Trist formerly Suntrust if they used the automated to give people the run around hoping they would give up. But I'm not giving up. I ask XXXX when people don't respond back if they didn't call and she said no, if they called and left a message people would get back with them, This wouldn't have happened if they had called.

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 2019-12-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY SOCIAL SECURITY AND ID TO OPEN THE FOLLOWING ACCOUNT IN MY NAME:Pentagon Federal Credit Union (Pentagon FCU) Account number XXXX, the amount is XXXX, Opened XXXX XXXX XXXX.  I SENT THEM A COPY OF THE POLICE REPORT IN WHICH I HAVE ENCLOSED, ALSO FTC IDENTITY THEFT REPORT (  Thank you for reporting identity theft to the FTC.Your reference number is:XXXXIALSO SENT THEM AN NOTARIZED IDENTITY THEFT AFFIDAVIT.XXXX STARTED MY INVESTIGATION ALL OVER AGAIN, EVEN THOUGH THE 30 DAY TIME LIMIT WAS EXPIRED. SO THEY ARE MAKING ME WAIT ANOTHER 30 DAYS.

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 2019-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Lender AmeriHome Mortgage  Loan # XXXX - CLOSEDXX/XX/2019Customer Service XXXXI refinanced the property, cancelling the loan with AmeriHome on XX/XX/2019.  A month later AmeriHome refunded the balance remaining in my escrow account, but not the  funds which they claimed they paid XXXX XXXX  County property tax XXXX.  The County reported that the tax was not paid by Amerihome because it was paid by the title company managing the refi.  I have called AmeriHome twice and was disconnected both times when asking to speak with a supervisor.  I filed a complaint on their site and received an unsatisfactory response.  I tried chatting on their website and got routed to a page that does not exist.If the money were sent to the County, I could accept a delay.  In this case XXXX XXXX who handles payments for AmeriHome did not send the check.  How can I recover the XXXX?XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: AL

Complaint narrative:
To whom it may concern : I attempted to use my card this morning around XXXX XXXX  to pay my life coach and I was denied through my XXXX account. My XXXX is directly linked to my Serve Card. I assumed that maybe I didnt have the funds, so I went to a local bank teller. The bank teller denied my withdrawal. I sat in my car wondering what was going on. So I decided maybe I should try calling the company number to just check my balance ... blocked. I had to literally hunt and XXXX what the direct number was because they made finding the number on the site inaccessible. Outraged, I attempted to call the number I found which was listed on another page on the website for new members ... I was met with a dial tone. I was not even able to reach American Express Serve Prepaid Card services over the phone to check my balance! I could not check to see if the payment for my car was taken out by my dealership. I received no notification of any sort about what was going on with my account at all this day of XXXX XXXX. I have automatic payments attached to my account that is due TODAY. My car payment being my main charge. I am highly upset with the lack of care or consideration this company has showed for its members. Not only is this issue close to the holiday season, I can not eat, buy gifts, or pay for anything although the website showed otherwise. Not only was the service inconvenient, I was lied to by a company I trusted to protect my money. There was no scheduled maitenence scheduled today! From their XXXX and XXXX page, the messages do not add up! I am really upset and I will be discontinuing my use of this service as soon as it is up and running again. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express Serve card has been in a total system outage for over 12 hours.Members cannot access their account information nor use the Card for purchases.Off-shore customer service reps are rude and non-responsive - refusing to answer questions, and often times outright hanging up the phone.No ETA for restoration is provided.Card is still offline.

Company response to consumer: Closed with explanation