vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
THIS ACCOUNT IS NOT MINE, I HAVE ASKED THEM TO PROVIDE VALIDATION, PROOF, WHEN I ASK THEM TO DO SO, THIS HAD A NEW DATE OPENED DATE, AS IT WAS SCHEDULE DTO FALL OFF MY CREDIT, IT HAS CAUSED MY SCORE TO DECREASE, THEY HAVE SOLD THE DEBT SEVERAL TIMES, AND EASCH TIME THEY DO, IT HAS A NEW OPEN OPEN DATE, THIS IS NOT FAIR UNDER THE LAW, I RECIVE SOCIAL SECURITY INCOME, AND THEY ARE ASKING ME TO PAY A BILL THAT IS MINE, THE SIGNATURE ON ANY DOCUMENTS IS NOT MINE, I AM ASKING THEM TO ABSOLVE THE DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I applied for this card in late XXXX. I applied right away for autopay by filling out the paperwork Bank Of America sent to me for this purpose. My wife and I mailed it out. I went online to see if it had gone through and when it hadn't I called their customer service. Bank of America said the paperwork was not recieved. So my wife and I tried to set it up online several times, and had trouble, and tried to get assistance from their customer service on the phone. They said we had to do it online. After several more times of fighting their website, we thought we accomplished this. The company did call us a couple times over the summer of XXXX I believe to say the payment was late, which was perplexing as we thought it was set up autopay correctly. So we paid over the phone. And then continued to get late fees. And tried again to set it up with paperwork through the mail. Again, it failed. Next my wife finally figured out how to set it up, but there is no way to set it at minimum payment and it has to be a set amount. It was hard to know if this covered the minimum or not. Their website is very difficult, the worst we have used. Finally, however, we were not getting late fees and it was paid each month on time, and my wife made several payments of larger amounts via check and mail to keep the amount down. We asked them to waive some of the payments due to the difficulty of getting autopay set up, but they refused saying too much time had gone by. It had been maybe 90 days. The late fees added up to {$150.00} or more. 
Then on XX/XX/XXXX Bank of America charged me the annual fee of {$75.00}. Then on XX/XX/XXXX, they cancelled my account. They said due to current or past delinquency as one reason. But we feel due to their poor management and website, this was not our fault. We tried at least 8 or 10 times ( likely more ) to set up autopay, and twice was filling out forms and sending by mail. I asked them to refund the fee due to the fact they cancelled the card right after, but they would not. I called and talked to several people including a Bank of America Analyst. 
I hadn't had a late fee in a over a year, I hadn't gone over my limit either. I do not feel it was justified that they cancelled my card. I also think it has reflected poorly on my credit records. I would like them to rescind that damage to my record. I would also like the card reinstated and Bank of America to streamline their autopay process so people are not getting burned financially by this frustrating process. 
I talked with and XXXX  XXXX person who suggested that I take up this process. 
I also talked to a friend in town who had the exact frustration and problems with autopay and late fees.

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 2020-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I am reaching out to Western Union in reference to my previous complaint with the Consumer Financial Protection Bureau dated XXXX, complaint # XXXX. Back then I filed a complained due to my email address being attached to a Western Union account that used to belong to me but that I eventually transferred to somebody else 's name and email address, but for some reason Western Union kept my email address attached to that account even when the name of the account holder is not me. On the resolution of that complaint, Western Union acknowledged the error and said they corrected it and I should not receive any kind of communications regarding that account. Well today XXXX I received once again a communication from Western Union, in XXXX, directed to the account holder 's name but sent to my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I HAVE ALWAYS BEEN VERY CAREFUL WITH MY CREDIT AND KEEPING A GOOD CREDIT HISTORY. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-03-27 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I HAVE ALWAYS BEEN VERY CAREFUL WITH MY CREDIT AND KEEPING A GOOD CREDIT HISTORY. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-03-27 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Bank/Credit Card Company : Barclays Bank Delaware The below transactions happened in XXXX XXXX of XXXX fraudulently : XXXX  XXXX  XXXX  XX/XX/2019 {$1600.00} XXXX XXXX XX/XX/2019 {$8.00} XXXX XXXX XX/XX/2019 {$21.00} XXXX  XXXX, XX/XX/2019 {$10000.00} I talked to the bank to take actions against these international fraud transactions and initially the bank marked them as FRAUD but later the bank denied and even after multiple escalations for 8-9 months the bank is not agreeing to investigate these charges properly. The invoice sent to the bank by the merchant has incorrect address and phone number and also the signature are not mine. Please help me as the amount is too high for me and need serious help here.

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 2020-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/2020 PORTFOLIO RECOVERY A Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PORTFOLIO RECOVERY A I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: IN

Complaint narrative:
Today, XX/XX/2020, I received an email notification via XXXX XXXX indicating a collection had been added to my credit report. The collection amount of {$2900.00} by Midwest Recovery Systems was reported on both my XXXX and XXXX credit reports but not on the report with XXXX. This is not my debt and I have had no correspondence or contact whatsoever with Midwest Recovery Systems. I have filed disputes of this collection with both XXXX and XXXX and am awaiting investigation into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HANCOCK WHITNEY BANK
State: FL

Complaint narrative:
I opened a priority checking account on XX/XX/2020 online through Whitney Hancock which requires a {$10000.00} minimum balance to waive monthly fees. I initially deposited {$1500.00} and then did an transfer for {$8600.00} and did a deposit in from the Treasury Direct account. When I went to log into my online account on XX/XX/2020 ( which I had access to prior ) it said that my access had been suspended by an administrator. I called the customer help line where the rep gave me a number to branch located in XXXX, Florida and said someone at the branch suspended my account. When I called that branch they said they had no idea and no one from there suspended my account so they gave me the number to the XXXX XXXX branch in XXXX, Florida which was listed as my local branch. I spoke to XXXX that morning at the XXXX XXXX branch that said someone from loss prevention temporary suspended my account and she would contact them and call me back. The next day on XX/XX/2020 I still had not heard anything so I called XXXX again. She said no one ever called her back. I told her I would like to make an appointment to come in and close the account and she said my funds were frozen and it could not be closed but she would try to contact the individual at loss prevention again and would get back to by the afternoon. I never received a call. 

I have already transferred over {$10000.00} into the account and now I don't have any access to my funds. I have spoken to 3 individuals to try and get this resolved. Additionally, I never received any calls or emails notifying me that my account was suspended and under review and was not provided a reason for the review. I am beyond upset with the service I have received from Hancock Whitney bank and would like the account closed and my funds provided back to me immediately in the form of a official check that I can pick up at my local branch. I don't want to have to wait for a check in that amount to get to me through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/2020 XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX Reported : XX/XX/2020 XXXX/XXXX Reported : XX/XX/2020 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion,  Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-03-27 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 at XXXX XXXX  I sent written communication to AMERICAN EXPRESS dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account numbers XXXXXXXXXX, XXXXXXXXXXX, and XXXXXXXXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from AMERICAN EXPRESS dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, AMERICAN EXPRESS sent printed copies of credit card statements addressed to addresses that are not of my own. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing AMERICAN EXPRESS communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires AMERICAN EXPRESS to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. AMERICAN EXPRESS provided none of the above. AMERICAN EXPRESS continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. AMERICAN EXPRESS has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. On XX/XX/2020 I repeated the entire above process. I sent written communication to AMERICAN EXPRESS dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national credit reporting agencies on account numbers XXXXXXXXX, XXXXXXXXX, and XXXXXXXXXX. On XX/XX/2020 I received written communication from AMERICAN EXPRESS dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, AMERICAN EXPRESS again sent me printed copies of statements. The above illegalities were committed via USPS mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
My house was originally for sale, and myself and the buyer were supposed to close on XX/XX/2020. The deal fell through because of my buyers financing. 

I called PennyMacUSA to inform them of what happened, and to express to them that I have every intent on paying them what I owed ; Although I was still planning on selling my home. 

I spoke with a young lady by the name of XXXX XXXX, and she informed me that I owed PennyMacUSA a total of {$5700.00} which included late charges and credit for partial payments. I told her that I did not have that kind of money on hand immediately but I could pay her a total of {$2500.00} right away to chip away at what I owed ; Leaving a total balance of {$3200.00}. 

We looked into some options to keep my home from going into default. She stated that I qualified for a repayment plan, and that I would be receiving a letter to show the terms of the repayment plan. When I received the letter it stated that I would have to pay a monthly total of {$2800.00}, for a total of 4 months ( XXXX-XXXX  ) ; With a final payment of {$2100.00} for the month of XXXX. 

I called PennyMacUSA and asked them how did my monthly payments get so high when I only owed them a total of {$3200.00}? My monthly payments originally were only {$1200.00}? She told me that the extra money would be applied to my principal. She asked me did I agree to the terms and I said NO, that the terms were not fair. She said that I had until the end of XXXX to change my mind about the repayment plan. I stated that I would try to come up with what I owed on my own, before agreeing to those terms ; The call ended. 

Now XXXX has rolled around, I paid off all of my other bills before I decided to deal with PennyMacUSA. I said to myself, " I will see what I have leftover, so that I can know what I need to borrow ''. When I checked my account, I noticed that PennyMacUSA had already deducted the normal payment amount out of my account. The only issue that I took with this, was that it was an unauthorized payment. When I spoke to an agent over the phone about this matter, she stated that I agreed to the repayment plan. I informed her that that was not a true statement, I remember clearly not agreeing to the terms. She repeated that I did, and that she had me on tape agreeing to the terms ; An argument ensued after that. I also still have the original repayment plan agreement that was sent, and that I never signed as well. 

Overall I feel as if they were just looking to take my home, and they never really wanted to work with me on a repayment plan in the first place.

Company response to consumer: Closed with monetary relief