vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Everest Receivable Services Inc.
State: MD

Complaint narrative:
On Monday, XX/XX/21 at XXXX XXXX I received a call from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX ( XXXX ) - a debt collector. XXXX XXXX called me on a landline number ( XXXX ) XXXX that I do not use for business purposes. I provided XXXX XXXX my cell phone number and explained to him that I was working from home and on a conference call. XXXX XXXX responded that he didn't care and wanted to talk to me about a debt I owed to XXXX Credit Card Services. He explained that XXXX had closed my account and sold it off to his company. We agreed to speak later in the afternoon. I did explain to him that I was also on a work-related deadline. 

On Tuesday, XX/XX/21 at XXXX XXXX, XXXX XXXX called me on my landline phone. When I stated to him not to contact me on the landline number he replied " I don't care. I have you know. You owe this company money. You are a liar and a deadbeat ''. I stated to him his statement was disrespectful and harassing and asked him to stop. He refused and continued to call me a liar and a deadbeat. XXXX XXXX continued by stating " I am not worried about how you feel, I want the money you owe us, or I will ruin your credit score ''. At which time I expressed my concerns over his abusive, threatening, and harassing language and ended the conversation.

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 2021-02-05 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and found the item to be in error. I want to dispute the following inaccurate information that appears on my XXXX  credit report. The error which prompted this credit report dispute includes late payment on XX/XX/2017, ALLY FINANCIAL. I am kindly requesting ALLY FINANCIAL to remove this late payment from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WI

Complaint narrative:
All of a sudden i receive a bill from this collector, I then see that this fraudulent collection is on my credit report. It makes me ill that these predatory collectors are attempting to scam people especially during these trying times. I demand that they immediately erase this false debt and remove it from my credit! They should be ashamed! 
I tried to contact them with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: AL

Complaint narrative:
To Whom it may concern, I recently challenged the validity of I.C. SYSTEM, INC ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. 
I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing.

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 2021-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I have attempted to contact Coinbase for over 3 months. I have opened multiple service tickets with them but have recieved absolutely no communication. They have basically stolen my money at this point and I have no recourse to get it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-05 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 getting it back up going. I'm not sure if this is some mistake as I assume it has to be. I have not been able to get from them for months but I just remembered I could file a report on here as I feel they're 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 and I still have funds there it's XXXX XXXX and they decided to closed my account dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: AES/PHEAA
State: FL

Complaint narrative:
FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$3800.00} FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$3300.00} FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$7500.00} FEDLOAN SERVICING ***** Opened XX/XX/XXXX Balance {$2200.00} I'm just concerned with the certainty and precision from your current inspection together with the missed payments meant for this particular account and also how it is reporting on my credit report. Around 45 days ago I demanded an investigation on the grounds that I noticed the item is just not being recorded recently. To my shock, I have gotten a notice mentioning that your examination was achieved and that the item had been " tested as reliable. Within Section 1681 ( g ) please make sure to generate me along with a brief description of the process utilized to validate the account is " reliable '' and give me the name and addresses of persons asked in every rule found in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
I PURCHASED A NEW 2020 YAMAHA BOAT AND FINANCED IT THROUGH YAHAHA FINANCIAL SERVICES. I ORIGINATED THE LOAN AT THE END OF XXXX AND MY FIRST PAYMENT WAS DUE ON XX/XX/2020, WHICH I MADE ON TIME. SINCE THEN I HAVE BEEN PAYING OVER THE REQUIRED AMOUNT DUE IN ORDER TO REDUCE MY PRINCIPLE BALANCE, OR SO I THOUGHT. THE COMPANY APPARENTLY IS NOT APPLYING OVERAGE OF PAYMENT TO MY PRINCIPLE BALANCE BUT EXTENDING MY PAYMENT DUE DATE OUT. I BORROWED XXXX AND AFTER REVIEWING MY STATEMENTS AND CALLING THEM SEVERAL TIMES TO CORRECT THE SITUATION. IN FACT MAKING A REQUEST TO HAVE ALL MY OVER PAYMENTS APPLIED TO MY PRINCIPLE, THEY HAVE STILL NOT GRANTED MY REQUEST. I HAVE PAID YAMAHA FINANCIAL ALMOST {$6000.00} IN PAYMENTS AND YET MY BILLING STATEMENTS DO NOT REFLECT THAT DIFFERENCE ON MY PRINCIPLE BALANCE. THEY ARE APPARENTLY JUST MOVING MY DUE DATE OUT. THE LAST STATEMENT I RECEIVED IN FACT SHOWS THEM APPLYING ALL OF MY PAYMENT TO INTERREST? I HAVE ATTACHED THOSE STATEMENTS FOR YOUR REVIEW. I ALSO WANT TO ADD THAT FROM THE TIME I STARTED OVERPAYING MY STATEMENTS JUST STOPPED COMING UNTIL THE RECENT ONE IN XXXX. BOTH LAST AND LATEST ARE ATTACHED. YOU CAN CLEARLY SEE MY PRINCIPLE BALANCE HAS NOT BEEN REDUCED BY MUCH, ABOUT XXXX DOLLARS. WITH ALL THAT I HAVE PAID THEM, THIS CAN NOT BE POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2021, I received a credit reporting alert email from my current bank XXXX but actually I read the email on XX/XX/XXXX when I got the 2nd alert. It states I have an account with a past-due balance of {$4700.00} with Bank of America. 
But I don't have any account with Bank of America because last year I called and requested to close the only one credit card I had had. Due to this my credit score went down by around 200 points to poor, so I filed a dispute on XX/XX/XXXX with XXXX. 
Also, I contacted Bank of America Fraud Report phone number the same day XX/XX/XXXX and they confirmed they have no open accounts associated with my social number. 
However, the credit report showing incorrectly there still is an open Bank of America credit card which I never opened.

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 2021-02-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AR

Complaint narrative:
In XX/XX/XXXX we requested a 6 month forbearance of our USDA loan that is guaranteed by and in accordance with the CARES act of XXXX. Our mortgage company is Rushmore Loan Service Management, which is basically a loan collection service. 
Throughout the whole six months and now beyond, Rushmore has insisted on treating us as a debt that is overdue and that they are trying to collect. They refused to acknowledge the CARES act and tried giving us 3 month forbearances which they were 'choosing ' to grant. They tried to say we were late on the XX/XX/XXXX payment so that the CARES act would not apply. They pretty well did everything you would expect a debt collection service to do, even sending someone by our house about the 'debt '. We have sent them numerous letters with the USDA forbearance guidelines included, and still they insist on saying our loan is overdue and the 6 months payments are due immediately. 
We did not request a 2nd 6 month forbearance and resumed making our regular monthly payments on XX/XX/XXXX. They have accepted each payment while still insisting that we owe $ XXXX immediately. Today we received more letters indicating they are 'reviewing ' our requested loan modification as part of our 'home retention package ' and they will have their decision in 30 days. Another letter says they are appraising our property and may make us pay for this process. 
We hold that per CARES they have no right to do any of these actions. We properly and in a timely manner requested our forbearance and resumed our payments. They have the right to determine if we are capable of making the payments, but as we have never missed a payment prior and are currently making payments as we speak, they sufficiently have their answer. 
Rushmore bought into the mortgage business by purchasing US guaranteed home loans specifically for the purpose of foreclosing on these guaranteed loans if at all possible. Their aim is not home retention but home foreclosure. Every step of the way they have acted like they are eager to foreclose on our home. We have had this mortgage for over 7 years ( since XX/XX/XXXX ) and have never missed a payment on it. They took over our loan 2 years ago ( XXXX ) and we have never missed a payment on it other than the 6 month forbearance. 
We request that your agency act within your guidelines to provide assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
Ive applied for a loan through this company several times over the past 4 years. I was approved three times and was always told the information that I needed to further approve my application. On the final attempt of submitting my application on XX/XX/2021 along with my personal information including tax documents, license and car registration and title, I called to verify what I need and was told by a women in the office named XXXX what exactly was needed. I was then contacted by the owner XXXX XXXX explaining why I would not be approved for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/2021 I called Truist customer service to close a checking account that had a balance of {$0.00}. When I spoke to the customer service representative they said they were going to transfer my call to the charge off department. So they transferred me to the charge off department, who proceeded to ask me questions regarding my address and my phone number, and then said you don't have a charge off. Then they said, we don't close accounts here because we " are the charge off department. '' They said you have to go to a branch. Then I asked why can't I close the account with you on the phone, and they said it's our policy that you have to go to a branch. Their practices are deceptive as I called to close an account, they proceeded to answer personal questions and at the end they said you have to go to a branch. I want to close a checking account that has a {$0.00} balance on it.

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 2021-02-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: NH

Complaint narrative:
I have called reliacard several times in order to get a replacement sent to me and Ive uploaded my identity documents several times to no avail. I just received my 1099 with my benefits loaded on to the card amount and I still have no card!!!!! I dont know if someone stole it or what but Im about to report them for fraud bc I have to file my taxes and pay on money I NEVER RECIEVED!! Help please.

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 2021-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
To Whom it may concern, I recently challenged the validity of PRA ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. 
I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: DC

Complaint narrative:
4 months later, refinance still not finished. 

XX/XX/XXXX : Applied for and was approved for refinance from Amerisave ( NMLS # XXXX ) ; paid {$500.00} application fee. 
XX/XX/XXXX : All required documentation provided. 
XX/XX/XXXX - XX/XX/XXXX : Didn't hear anything from lender, no returns of calls/emails. 
XX/XX/XXXX : A processor reached out to ( ultimately ) set up a closing date of XXXX XXXX. 
XX/XX/XXXX : Closing appointment canceled with an hour 's notice given to me. XX/XX/XXXX : Closing appointment canceled without any notice given -- I had to call signing agent because I thought he was late and he told me the documents weren't ready. 
XX/XX/XXXX : Wired {$3400.00} to XXXX XXXX for closing costs. 
XX/XX/XXXX : Closing appointment was canceled with an hour 's notice given to me. 
XX/XX/XXXX : Lender requested a second hard pull of credit, more documents, The entire time I've had to intermittently provide updated pay stubs, bank statements, and other documentation, which has been extremely inconvenient and wouldn't have to happen if the lender had their affairs in order. Between the application fee and the closing costs, the lender has {$3900.00} of my money. 

I've done two other refinances and they were both simple and fast. This has been completely unacceptable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE BANK USA - **** Opened Date XXXX XXXX, 2019 Balance {$0.00} I am concerned about the applicability and consistency regarding your new research as well as the late payments pertaining to this specific account and exactly how it is reporting on my credit report. Around 45 days ago I called for an inspection for the reason that I felt the item seriously isn't being documented just recently. To my shock I was given a notice stating that your assessment was fulfilled and that the item had been " confirmed as appropriate. Below Section 1681 ( g ) please make sure to create me personally with a description of the approach designed to ensure the account is " exact '' and post me the name and addresses of persons got into contact with per laws based in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TN

Complaint narrative:
AmeriHome 's response is correct up to : " On XXXX XXXX, 2021, AmeriHome received a payment from the previous servicer in the amount of {$1800.00} ''. The XX/XX/XXXX payment came from us NOT from the previous servicer, XXXX XXXX  XXXX. XXXX XXXX XXXX believes the XX/XX/XXXX payment is theirs and they have the money ( I have confirmed this in calls with them ). AND, AmeriHome Mortgage Company believes the XX/XX/XXXX payment is due to them. We, the borrowers, are stuck in the middle and are considered delinquent. Help!!! Please get them to talk to each other and resolve the XX/XX/XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi bank is not processing my credit card payments in a timely manner. After 3 months of refusal to process my payments I have discontinued sending them. After closing my account as an act of retaliation and revenge, Citi bank refuses to work with me, refuses to provide me with customer support, refuses to accept and process my payments, all in retaliation to complaints filed. 

I sent Citi a check for {$330.00} in XXXX 2019 along with my last complaint to Citi and the XXXX. In XXXX I opted in to reduced payments at approximately {$60.00} per month due to covid19 relief, however Citi has not granted me the same covid reief as everyone else and continues to charge me full payments despite granting me covid relief. 

Citi refuses to provide me with customer support and refuses to accept my phone calls when I attempt to reach out to Citi. Since Citi does not want their employees talking to me, and since Citi does not want me communicating with them via telephone, Citi needs to mail me their response and correspondence. 

Citi has not responded to my complaints, has not cashed my check or processed my payment, has not granted me the covid relief and reduced payments promised to all customers, and is now stating I owe {$1000.00} dollars as of today.

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 2021-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: NY

Complaint narrative:
I was supposed to receive a {$50.00} promotional credit for depositing {$2000.00} from XXXX XXXXXXXX XXXX. The {$50.00} was supposed to be credited no later than XXXX/XXXXXXXX. I have not received my promotional bonus despite the fact I was induced by their promise and met the promotional terms.

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