vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: DE

Complaint narrative:
Received a letter that they were servicing my account, listing monthly payment and first payment due date of XX/XX/2020. I do not have any outstanding loans. They referenced a vehicle that I have never owned. Their representative suggested I go to " the dealer '' to have this corrected. There is no " the dealer '' as I did not make a purchase, sign a contract or take out a loan.

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 2020-08-27 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: TX

Complaint narrative:
I have disputed this information with Portfolio several times via the Credit Bureau being that this debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I am having issues with getting a breakdown of fees from BMW. The amount inwhich they are reporting to the credit bureaus is inaccurate. I requested a breakdown of fees twice. What they sent was the same exact letter with only a different date. I want to see the breakdown not the total. This leads me to believe they do not have the information. If that is the case then they truly can not validate what they are reporting! I WANT A TRUE VALIDATE OF WHAT THEY INDICATE I OWE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I paid off a mortgage with Bank of America effective XX/XX/2020. My Home Loan Number was XXXX. There was a balance of {$5800.00} in my escrow account which was to be sent to me. When I called the Bank and identified my self with the last four digits of my SSN a recorded message said the check was mailed to me on XX/XX/2020. I still have not received this check and I have been unable to speak with someone in Bank of America 's mortgage department. They put me on hold indefinitely. 
My concern is the check was lost in the mail or got into the wrong hands and was forged and cashed by the thief. 

I would like verification that the check was mailed and if so has it been cashed by someone. 

Can you please help me with this issue. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I received a U.S. Bank Reliacard in the mail on behalf of The Colorado Department of Labor and Employment ( CDLE ). I did not apply for this card. The CDLE website is useless for reporting fraud and their live chat feature is also useless. A person can not call U.S. Bank about the card without first activating the card which I will not do. I never lived in Colorado or paid taxes in Colorado. Why would Colorado issue me this unemployment card? 
All of these agencies are inept. 
This is identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27 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: AR Resources, Inc.
State: NJ

Complaint narrative:
I received physical therapy at XXXX XXXX XXXX in XXXX XXXX, NJ. Before going there, I checked that they took my medical insurance ( XXXX ) and that I had covered by deductible ( {$2000.00} ). XXXX told me that they never filed a claim to be paid. 

Historical Info Original CreditorXXXX XXXX - XXXX Contact Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 4 months later, I received a bill from a collections agency called AR Resources saying that I owed $ XXXX.they reported this and it decreated my credit score from XXXX to XXXX. 
I disputed the issue via XXXX and they were basically useless. Here is what XXXX sent me as the results of the dispute : " Account previously in dispute - investigation complete, reported by data furnisher. Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/2020. '' A few months ago, i was in the process of buying a house and I couldn't be in the loan because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lacy Katzen LLP
State: NY

Complaint narrative:
In XXXX I contacted the office of lacy katzen tool make a payment plan to settle a debt. I first was on the phone with one personWho kept repeating herself about a my financial situation regarding to my payment to the account in question. I told her you keep repeating yourself as if she was trying to make me feel bad about the situation.So calmly I ask can I please speak to someone else. When the other lady got on the phone I heard in her voice that she may have talk to the other person because her tone was very throw off-ish as if she did not want to deal with me. I remain calm cool and collected proceeded to tell her what was going on and then she made false statements about my income that I make. Also she claimed to know when I get paid as if I get paidAs other people with in the profession. They were very rude and very unprofessional and Im the one that caused them to try to set up some sort of agreement.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Best Buy and CiTi card have interest charges that we have attempted to resolve with both entities. The companies failed to notify me ( the consumer ) regarding changes in promotional credit agreements. The companies claim they notified via letter and by phone, however have rescinded these comments and acknowledged they made an error ( no attempts were made to notify ). Additionally, the companies have claimed a cease and desist order was authorized by me ( the consumer ). At no time was this permission given. Again, the companies acknowledge the cease and desist was an error on their part. Regardless of stated error, Best Buy and Citi are unwilling to waive interest changes associated with a transaction made during a promotional period. I have never paid interest on any credit card in the 20 years of holding credit services. I expect and demand involvement from the CFPB to represent the consumer and hold these firms accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My mortgage is currently serviced by Bank of America ( B of A ). It is a loan backed by XXXX XXXX  and is currently delinquent. On many occasions, I have sought loss mitigation efforts with XXXX and contacted their loss mitigation department regarding the same. B of A has refused to process my loan modification and issue clear underwriting determinations. Per XXXX regulation 24 CFR 203.604,  contact with the mortgagor, provides that " the mortgagee must have a face to face meeting with the mortgagor, or make a reasonable effort to arrange such a meeting, before three full monthly installments due on the mortgage are unpaid. '' Since the loan is insured by the XXXX XXXX, this regulation applies, as well as the liability reporting valid information to XXXX. It is clear that violations of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. 

After B of A started the loan modification process they transferred the debt to XXXX. XXXX has advised that B of A did not send over notification that the loan modification was in process. This action is a clear violation of CFPB law. Since XXXX is now proceeding with foreclosure action, I am seeking your assistance on this matter.

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 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have been working on my credit for the last few months and recently came across a card that I believed I opened when I was XXXX or XXXX. It was a secured card and the first 3 months I paid for it. I stopped using it because at the time my mother who did not understand credit told me to. I believed I was paid up before I stop using it. Ever since I was made aware I have tried to rectify the issue by contacting them through the mail and have not heard anything. The total amount is {$220.00}

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 2020-08-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: John C. Heath, Attorney at Law, PLLC
State: ID

Complaint narrative:
I received an e-mail that was by nature meant to instill fear in me. One statement says, " You might be immediately sacked by your employer as they will be notified. '' This is a direct statement that I have copied and pasted here from the e-mail I received. According to the law, they may contact my employer to gain information, but they can not notify them of the nature of the debt. This statement is meant to make me fear that they will intentionally try to get me, " XXXX, '' by my employer. 

Additionally, I have not had any contact regarding this account until today. They have made false statements to attempt to instill fear into me. Below is a copy of the e-mail ( minus personal information ). 

We already contacted you several times regarding your unpaid loan account but failed to receive any response from your side. 

We are ready to file a lawsuit against you and report this to major credit bureaus and inform the IRS regarding this lawsuit. 

You will have to face severe consequences like : 1. You might be immediately sacked by your employer as they will be notified. 

2. Your credit will be ruined. 

3. Your wages can be garnished. 

4. Your bank accounts/credit cards will immediately freeze. 

5. The IRS will put a hold on your Tax return. 


Before proceeding ahead, this is your final chance to settle this debt outside the courthouse. 

We just want to know your clear intention in regards to the above mentioned loan account whether you are willing to take care of it or not? 

We are also willing to provide you with a payment arrangement or one time settlement according to your convenience. 

Please respond ASAP as you have two business days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian is reporting the trade line XXXX XXXX as a mortgage with a term of 3 months. This is a gross error and attached you will find proof of the error. The actual term was 36 months. Attached you will find proof of this.

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 2020-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Im having issues with navy federal and they denied me about my account has been restricted cause someone eles put money in my account with out my permission and they did not believe me at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I became a victim of identity theft in XXXX and I have been trying to resolve issues with various banks regarding bank accounts being opened in my name. I have disputed the accounts through XXXX XXXX, XXXX, etc and I have not been successful in getting the accounts removed due to fraud. The banks in question or Bank of America, XXXX XXXX, and XXXX. I have contacted these banks numerous times with the past 4-5 years. I have been given the runaround or that the debt is too old and can't be disputed. This has caused me to not be able to open a bank account due to the negative information being associated with my driver 's license number or social security number.

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 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: MD

Complaint narrative:
My identity was stolen and my report inaccurately shows an eviction. Ive mailed proof and have not heard a response back. I would like it disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: MI

Complaint narrative:
my delinquent account is with AFNI Collection Inc. i am regularly paying {$50.00} a month no payment short but still i received calls from their office ask me to verify my DOB or SS. I told them aim paying as agreed and no payment is short then why i am receiving call. But they just have a good day and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: CHARLES SCHWAB CORPORATION, THE
State: OH

Complaint narrative:
Charles Schwab Bank XXXX NV holds a checking account where I have had several questionable EFT transactions occur since XX/XX/2020. I first talked with a representative of Charles Schwab Bank in XX/XX/2020 about a suspcious debit of {$2500.00} out of my bank account. The Schwab Bank representative records will show agreed with my assessment and reversed the debit to my checking account. This unauthorized debit occurred once again on XX/XX/2020 ( Schwab once again credited my acct. ) and then again on XX/XX/2020 for the same amount {$2500.00}. At this time XXXX XXXX at Schwab Bank told me via email and on the phone that the previous Schwab representatives did not handle the debit/credit to my bank account correctly ( see emails ). He then told me he would file a Fraud Claim and process the credit of {$2500.00} back to me in a " couple of days ''. At this point it has been several weeks with no response from Schwab Bank and Mr. XXXX. Schwab Bank accordingly to research I did through the Federal Reserve Bank is holding my {$2500.00} and is not releasing the monies back to 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 2020-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX. There is a very old account that continuously reports on my credit file with XXXX XXXX XXXX ( account number XXXX ) and it's past the statutes of limitations and needs to be deleted immediately.

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 2020-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
Debt collection agency : Pacific Credit Services XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Telephone : XXXX This debt collection agency, Pacific Credit Services, has been repeatedly sending me default notices on a medical bill that I have already paid the medical provider. The bill is {$44.00}. I called Pacific Credit Services several times and informed them that I have already paid the medical provider  but they still continue to send me default collection notices ( over a period of several months ). When I asked them to get the updated account information from the medical provider so they can stop sending me default notices, they told me they are waiting from the medical provider. I then called the medical provider who informed me they have already notified Pacific Credit Services the bill has been paid. However, Pacific Credit Services still kept telling me there is nothing they can do in the meanwhile and offered me no timeline nor action taken for resolution. I feel that Pacific Credit Services does not have proper and adequate business operations process in place to conduct basic debt collection activity, which is to update outstanding billing balance when the account has been paid! I am concerned that as a result of their inadequate operational process, Pacific Credit Services would continue to send me default notice and then eventually send it to the credit bureau thereby negatively impacting my credit rating. As a debt collection agency, Pacific Credit Services is being irresponsible and has no regard on the consumer 's financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter to Equifax Information Services LLC about two accounts listed as collections accounts on my credit file. In this letter I warned them of my intent to file a complaint with the FTC. To which I did not get a response yet again. 

I have disputed these incorrect accounts on my credit file NUMEROUS times over the last year. The accounts do not even have a creditor name, address, phone number, or any identitifying information that I could use to contact the creditor directly. Equifax is blatently ignoring my rights under the FCRA. Which I have made myself very informed on since trying to deal with these accounts. I plan to seek civil action against the bureau for violating these rights and laws. I have asked over and over for them to provide me with the creditors name, address, phone number but I have never been answered. These items have prevented me from securing financing that I have desperately needed. 

The accounts listed on my report are as follows : XXXX Account Number XXXX {$150.00} XXXX Account Number XXXX {$320.00} I faxed Equifax today again with a copy of the letter that was sent in XXXX. I have attached both

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: FL

Complaint narrative:
On XX/XX/2020 received a noticed from XXXX that account was opened by AFNI for {$710.00} on XX/XX/XXXX. I did not open account with them nor have I done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THIS IS A NON-RESPONSE. 

STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call ( XXXX ) XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
I instructed XXXX. XXXX  to pay LoanCare {$920.00} on XXXX XX/XX/2020 to be received on XXXX XX/XX/2020. My payment cleared my XXXX. XXXX  checking account on XXXX XX/XX/2020. LoanCare failed to credit my account. I requested that XXXX. XXXX  fax proof of payment to LoanCare via LoanCare Collections at XXXX. This was accomplished on XXXX XX/XX/2020.

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