vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/XXXX I took out a loan from Speedy Cash for {$1100.00} ; due to be paid off on XX/XX/XXXX or pay a fee of {$640.00} every two weeks. On that same day I asked the representative assisting me how much would I have to pay if I wanted to pay the loan off in full on XX/XX/XXXX. She stated I would have to pay {$1100.00}. On XX/XX/XXXX I called Speedy Cash prepared to pay off my loan. I was given a higher amount of {$1800.00}. I told the representative I had been given an amount of {$1100.00} to pay and the higher amount would only apply if I paid after XX/XX/XXXX. She then said I had been misinformed and that the {$1100.00} amount would have only applied if I had paid the loan off on the same day I took the loan out. At this point I realized this was an obvious attempt to prevent me from paying the loan off. Because why would I take out a loan only to come back the same day and pay it off hours later? I was deliberately 'misinformed ' in a effort to make it impossible for me to pay the loan off. These are highly unethical and shady business practices. Speedy Cash has now turned my account over to a AD ASTRA, a collection agency with a balance of {$2400.00}, over half the amount I originally borrowed. I've contacted AD Astra and made a payment arrangement of XXXX XXXX/mo and have been paying this amount consistently since XXXX of this year. I have limited income because of the pandemic. This is an economic hardship on me and my family as I have had a drastic reduction in income. 

I recently filed a complaint with the XXXX XXXX XXXX and provided proof of the representatives annotations of the {$1100.00} amount that was due on XX/XX/XXXX. They refuse to address my complaint and only refer me to the collection agency. Speedy Cash has stated that they refuse to reduce the balance owed to the amount their representatives promised which is {$1100.00} minus payments already made. They have also told the XXXX  that the reason I am not allowed to pay the lesser amount is because I didn't have it paid by XX/XX/XXXX. 

But I was never offered a chance to pay the {$1100.00} on, during, or leading up to XXXX of this year so this was a blatant lie. Speedy cash made a deliberate effort to prevent me from paying off my loan by promising me I could pay off my loan on XX/XX/XXXX and avoid paying the {$640.00} fee as long as it was paid by that date. Then when I attempted to pay the loan off on XX/XX/XXXX I was told I would have to pay {$1800.00}, an amount I made clear to the representative the day I took out the loan, I could not afford. These are very deceptive and fraudulent businesses practice on Speedy Cash 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$1700.00}, {$0.00}, {$21000.00}, {$1000.00}, {$670.00}, {$840.00}, {$2900.00}, {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

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 2020-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
I have tried to pay this debt since 2019 - however they sued me, illegally, even though I was always willing to pay this debt, and lied to the court claiming I was unwilling, when I have priority mail receipts that I have requested a pay-off quote, a settlement with them. 

Now they responded to you that they will accept a payment, but they still have not sent anything to me in writing, no confirmation, no official settlement statement that with a one time payment of XXXX. amount this debt will be settled ones and for all and confirming that they will take no further actions and will dismiss the lawsuit against me immediately etc. - NOTHING - NO DEBT SETTLEMENT AGREEMENT, no letter or agreement from them at all. 
What they are saying/writing to you is not true, they have not contacted me accepting any settlement, agreeing to any pay-off quote, I have not received anything from them, while I have sent them 5 priority mail letters in the last few months alone, requesting information and a pay-off quote and settlement.

PLEASE ASK THEM TO PROVIDE A COPY OF THE LETTER TO YOU WHICH THEY CLAIM THEY HAVE SENT TO ME AGREEING TO A SETTLEMENT - I have NOT received anything. 
Thank you! 
Kind regards, XXXX XXXX PLEASE FORWARD ALL INFORMATION AND ATTACHMENTS TO XXXX XXXX XXXX AS WELL AS TO UNIFUND ( so UNIFUND can see how their lawyer treats and intimidates people and does NOT get in touch with people who are willing to pay debts )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I have tried to pay this debt since 2019 - however they sued me, illegally, even though I was always willing to pay this debt, and lied to the court claiming I was unwilling, when I have priority mail receipts that I have requested a pay-off quote, a settlement with them. 

Now they responded to you that they will accept a payment, but they still have not sent anything to me in writing, no confirmation, no official settlement statement that with a one time payment of XXXX. amount this debt will be settled ones and for all and confirming that they will take no further actions and will dismiss the lawsuit against me immediately etc. - NOTHING - NO DEBT SETTLEMENT AGREEMENT, no letter or agreement from them at all. 
What they are saying/writing to you is not true, they have not contacted me accepting any settlement, agreeing to any pay-off quote, I have not received anything from them, while I have sent them 5 priority mail letters in the last few months alone, requesting information and a pay-off quote and settlement. 
PLEASE ASK THEM TO PROVIDE A COPY OF THE LETTER TO YOU WHICH THEY CLAIM THEY HAVE SENT TO ME AGREEING TO A SETTLEMENT - I have NOT received anything. 
Thank you! 
Kind regards, XXXX XXXX PLEASE FORWARD ALL INFORMATION AND ATTACHMENTS TO WINN LAW GROUP AS WELL AS TO XXXX ( so XXXX can see how their lawyer treats and intimidates people and does NOT get in touch with people who are willing to pay debts )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$1700.00}, {$0.00}, {$21000.00}, {$1000.00}, {$670.00}, {$840.00}, {$2900.00}, {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- XXXX XXXX XXXX. XXXX XXXX XXXXith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

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 2020-11-12 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$1700.00}, {$0.00}, {$21000.00}, {$1000.00}, {$670.00}, {$840.00}, {$2900.00}, {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
Due to a health condition I fell behind in my payments. I informed XXXX financial of this prior to missing XX/XX/2019 's payment. As of XX/XX/2019 my account was 60 days late, I made a payment in XX/XX/2019 to satisfy both months. Again, communicating with Honda Financial in XXXX my account was 60 days I made a payment to satisfy the account and two weeks later my payment was returned. I contacted Honda Financial again via phone and was informed my acct had been charged off. I had received no notice prior and my account was no more than 60 days late in addition to my several phone calls with reps informing them of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
The Best Service Company is reporting a collection for a jewelry account that I do not owe. 
My wife made a jewelry purchase, but returned it the next day. 
I wrote The Best Service Company to inform them of this fact but they have ignored my communication. 
The Best Service Company has placed this fraudulent collection on my credit report at all XXXX credit bureaus.

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 2020-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
Refinancing my first mortgage in the amount of {$500000.00}. United Wholesale Mortgage is new lender, they sent the funds to XXXX XXXX XXXX, who is the title company in charging of disbursing the funds and closing the transaction on XX/XX/2020. As of yesterday XX/XX/2020 XXXX title had not yet paid off my old mortgage company which means I am being charge for two mortgages. My old one since they have not been paid off yet and the new one. Title company and the lender keep passing the responsibility to each other and keep producing new closing disclosures that they want me to sign. I am not sure why this is all happening as I signed all of my loan documents on XX/XX/2020 and to my understanding everything was fine!!! I just need help to see who is responsible to pay for their mistake. It should not be me since I did nothing wrong. I should not be paying for both mortgages. I have attached 3 difference CD 's produced by the lender, two after all my final loan documents signed. There is also a log of all the conversation taken place between my mortgage broker and XXXX XXXX. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I am sending you to complain about the lack of response and cooperation from Bank of America ( BoA ) I reported a fraudulent transaction on XX/XX/2020 for my account ending XXXX. 
Total fraudulent activities on my account : {$3100.00} Claim Number : XXXX I contacted BoA back in XX/XX/XXXX, and started a claim. I received a letter in early XXXX saying that the claim has been closed, because " the account or the claim have been the subject of fraud or suspicious activity ''. The same letter says that " any related reimbursement of fees, has been or will be debited from your account and reflected in your available balance, if any. '' Until this date my issue is not resolved, I tried to follow-up via phone at XXXX XXXX XXXX calling multiple times and waiting on line for more than two hours each time with no answer.

Finally, 2 weeks ago and after waiting for almost 3 hours on hold, I was able to get connected to an agent, but unfortunately she wasn't much of help.The agent 's only solution was that she will send the bank an email and they should send me a letter. Nothing is received as of today. 

We visited, couples of days ago, BoA branch XXXX CA XXXX ) and unfortunately, same response. There is nothing they can do! 

We sent this week our complaint to BoA customer service, and as expected nothing is received! 
We have been going in loops without any progress, and the issues is causing us too much drama and anxiety. The claim amount is the unemployment money, and the lack of response is causing avoidable harm, if they just can do what they promised they would! 

I request that BOA reimburse the credit of {$3100.00} the soonest to my account, since the claim has been closed, and we have been waiting for the resolution for almost 45 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 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I disputed a charge of {$700.00} in XX/XX/2020, provided an email from the merchant as an evidence that they promised to credit my account but they did not. Also, the merchant service caused additional property damage. 

I had to reopen the same claims at least 4 times since American Express kept closing the claims either by mistake or no reason, and the customer service weren't sure why those claims were keep closing and disputed amount were reversed. 

In XX/XX/2020, I complained to customer service and toild him that I will file a complaint with CFPB, the customer service representative re-opened the claim and asked to wait a few weeks to check on the claims. I was surprised that all records of this disputed were completely removed from my Transaction History. 

I have attached a screenshot that I captured on XX/XX/2020 which shows several disputes for the same transaction along with my Chat with Representative where I said I will report to CFPB, the representative indicated that someone will call me in 24-48 hours BUT no one from Amex called. 
Another screenshot captured today and XXXX which shows no dispute at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX  XXXX please delete any other names I HAVE REQUESTED SEVERAL TIMES TO HAVE PAPERWORK OR PROPER DOCUMENTATION FROM THE COMPANIES I FOUND ON MY CREDIT REPORT. I AM NOT FAMILIAR WITH THE UNKNOWN ACCOUNT. I have already filed a complaint over a fraudulent account from XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX delete this account at once from my credit file! I choose to opt-out of your disclosing future information until further notice.

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 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I applied for a bluebird amex online. The site said I was not approved. This is a prepaid card, no credit check. I called customer service and was told to simply go to a store and pick up a card. I did so. The store card is only a temporary card and you are to register it online. The system gave me the same message as before. We are unable to approve you, etc. I have the card in hand with my money loaded on it and I'm not approved????? I called customer service and was told it was because I was not entering valid information on the registration page. Everything I entered was valid. I am not trying to scam myself out of a card that I put my own money on. This company, however, is a scam. When inquiring to the agent that it seemed I am XXXX out of luck, she replied, " Yes, you are ''. The agents ID number is XXXX. I am able to use the temporary card with the {$5.00} that I loaded on it initially, but it can not be reloaded unless it is registered. We are back to where we started. I spent {$5.00} for the prepaid card kit.

Company response to consumer: Closed with explanation