vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal charged me {$140.00} in fee for rejecting the money sent to me. Since PayPal does not have a " reject '' method, I had to use " refund in full '' to reject the money. Why did I need pay a fee for " rejecting '' the money? PayPal should provide a method to let the recipient reject the money before any fee is charged. Currently, there is no way the recipient can avoid the fee even if the recipient does not want the money. 

Date : XXXX, 2019, Amount : {$4900.00}. 
I called the company customer times but they did not grant my request to refund the fee ( {$140.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
SAGE STREAM ' REFUSES TO CORPORATE WITH CONSUMER MAILED A CERTIFIED DOCUMENTS WITH US POAST OFFICE WAS RECEIVED AND SIGN BY SAGE STREAM OFFICE PERSONAL, COMPANY NEVER RESPONSE BACK TO CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
In XX/XX/2019, I contacted Wakefield & Associates regarding a notice of a debt placed with them for collection from XXXX XXXX. I requested validation of the debt and a detailed bill. I never received this documentation. I was served with an order to appear in court for this debt. In XX/XX/2019, I again called to ask for validation of the debt as well as asking for the call to be pulled in XXXX to confirm that I requested validation of the debt. The representative informed me she would submit the request and I would receive a call within 24-48 business hours. I never received any contact. I went to court and asked for validation of the debt and the attorney rescheduled the date. I finally received the documentation however if I requested the validation in XXXX, it is my understanding I should have receive this within 30 days for the debt to be valid and owed. I contacted this company again today to which I received the response that they do no have to call me back, they do not have to tell me if I did request validation of the debt in XXXX, they do not represent me so they do not have to assist me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX my wife received a call from XXXX XXXX XXXX advising that they were in the processes of bringing legal action against me for a debt from XXXX. They claim that the original creditor was HSBC and I owed {$650.00}. They also claim that the last payment made on this account was XX/XX/XXXX for {$200.00}, however I do not even recall applying for a credit card from HSBC. My wife asked them to provide a court filing # so that we can research and the representative told her that the litigation was pending. We have received calls from this company in the past and they had threated to sue me in court for said debt. My wife asked them to provide a copy of the payment history that they claim exists, however the representative stated she didn't have one in their records. I am frustrated with all the threatening phone calls. My wife requested more information be emailed to her and I attached the document they sent to her in this complaint. The address they have for me is over 10 years old so I have never received any correspondence from them. I wrote up a Debt Validation Letter that I am mailing out to their company today as well. I attached a copy of that for your records. The company name is XXXX XXXX XXXX ( Website - XXXX XXXX XXXX XXXX XXXX ) - Address : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is reporting incorrectly to Transunion a repossession with a current balance due of {$17000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I returned the vehicle to the dealership within the time allotted under the Lemon Law. The vehicle had stopped running and the representative that I spoke with at the dealership assured me that the dealership would cover the costs for repairing the vehicle. I was never notified if/when the vehicle would be repaired and consequently I never regained possession of the vehicle from the dealership. The vehicle was then later sold at auction and was sold for more than what was owed. This account needs to report a {$0.00} balance and the coding regarding a repossession needs to be removed. There is no outstanding balance on this account. This false reporting of a repossession is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I went to help my son get a loan for college and when I spoke with the lady from the bank she told me that I was not able to get the loan right now because of my credit. I really didn't understand how because I don't have credit issues. I went to look at my credit and there is a XXXX XXXX account XXXX and some inquries : XXXX XXXX XXXX EQUIFAX MORTGAGE SER EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these. I contacted FTC and local police immediately also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: FL

Complaint narrative:
I received a letter from a third party mediator informing me that I was about to receive a court summons for a civil suit against me for defaulting on a credit card from XXXX XXXX. I called the bank. They told me they no longer handle this debt and gave me the contact information for a collection agency, Rausch Sturm, located in XXXX, Wisconsin. I called this agency and spoke to an agent. I am XXXX and my sole source of income is Social Security Disability. I told them that it is against Federal Law for a private debtor to garnish or levy a persons Social Security Income. It is against the law to garnish or levy a persons bank account to which Social Security is directly deposited. Even in the case of a court judgment. I offered a small monthly payment arrangement, but they wanted a higher payment that I can not afford. I have a financial hardship, and need money for basic necessities and my prescription medications. They said they did not care, and unless I paid them {$46.00} per month for four years, they would continue court proceedings. They said their goal was to obtain a judgment in court to garnish my Social Security income. I believe this threat is a violation of Fair Credit Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America opened an unauthorized account without my knowledge or permission ( see attachment ) it's the Home Equity Line of Credit. Furthermore, Bank of America force placed 2 homeowners insurance policies through their wholly owned subsidiaries going back to 2006 and added the costs and premiums to my mortgage even though I had a homeowner 's insurance policy through XXXX XXXX and XXXX 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 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: DC

Complaint narrative:
On XX/XX/XXXX, I applied for a loan modification with my current lender, LoanCare LLC ( also referred to as XXXX XXXX XXXX ) to reduce my monthly mortgage payments after a car accident and other medical issues. On XX/XX/XXXX, I received a letter from LoanCare, dated XX/XX/XXXX, stating that it would offer me a Trial Payment Plan for three months from XX/XX/XXXX to XX/XX/XXXX. However, this offer only reduces my mortgage payment by {$66.00} a month. It does not provide any proposed terms such as the interest rate, whether the interest rate will be fixed or variable, and whether there is any option for a lower payment after the trial period. The interest rate could go up substantially after the trial period. It also contains language that makes me vulnerable to foreclosure. For instance, on Page 3 of the letter, it states that " Our acceptance and posting of your payment during the Trial Period Plan will not be deemed a waiver of the acceleration of your loan and related activities, including the right to resume or continue foreclosure, and shall not constitute a cure of your mortgage default unless such payments are sufficient to completely cure the default. '' LoanCare also states in its letter that I was not eligible for the " 40001-Repayment Plan because the borrower has negative surplus income which is not sufficient to bring the mortgage current. '' I feel pressured to accept the plan since LoanCare can accelerate foreclosure if I do not accept the Trial Period Plan, However, the minimal savings of {$66.00} per month does not give me sufficient financial relief as a struggling single parent with health issues. In summary, I feel that the proposed trial plan is a deliberate set up for failure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
On the weekend of XX/XX/XXXX I went about unlocking my credit freeze so I could refinance our home. I had the PIN for credit, but the agencies didn't want it and I successfully lifted 2 freezes, but with Equifax apparently I answered a question incorrectly. Their computer phone system seemed glitchy and kept interrupting itself. I called them and go no where, except being told to mail or fax my ID etc and it would take 5-7 business days to process that, which I said was too slow, but they didn't change their position. I finally faxed the info to them XX/XX/XXXX, and have not gotten any confirmation that they received it ( other than my fax machine said they did ). I've called today and they said if they did receive it it's not processed. I thought they had to lift my freeze within 1 hour of my request. This 5-7 business day delay is jeapordizing my refinance and stressing me and my patience. Yet the mortgage lenders say they need all 3 credit reports before they can even determine the details of my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: WA

Complaint narrative:
You falsely advertise that you help consumers. In actuality, you suck every penny that you illegally can from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX we purchased a preowned XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX California and presuming XXXX two months later we started having lots of issues with the vehicle lots of vehicle recalls vehicle starling in the middle of the freeway and road airbag lights going off and on ignition switch authorityVehicle key falling out of the ignition switch so we had to vehicle after numerous attempts of trying to get the vehicle repaired VA dealership in speaking to the finance company we finally had the vehicle volunteer to report in XX/XX/XXXX now its XX/XX/XXXX we have been served with a summons to appear in court in XXXX of this year and we have tried to negotiate with the finance company to go down on the bill because they auction off the vehicleAs we know they should have been a violation of the lemon law since then numerous threats about selling us to court numbers harassing phone calls people saying that they have a summons and they are in attorney first appear in court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
I started receiving calls from a company that claims to handle debt collection for ace cash express. This number XXXX first called and then said they are trying to locate me so they can arrest me then they gave me a fake case number for a civil case in my local court and said I had 30 minutes to contact this number XXXX to pay to avoid being arrested they have been told to stop and wont give any information as to where they are located so I can send a letter to have them stop calling me. Based on what Ive found online is that this company has been sued previously for doing exactly what they are doing now, also the numbers given appear to be spoofed. I have attached a voicemail from one of the numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
Noticed on my credit report I had a past due collections from XX/XX/2019 for {$1500.00}. I never received a letter/notice regarding anything being owed nor have I been contacted by debt collection or company I owe. Account disputes in XX/XX/2019, tried to contact company mid XX/XX/2019 without success.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was traveling in XXXX from XX/XX/XXXX-XX/XX/XXXX, XXXX. On XX/XX/XXXX when I was in XXXX, Chase emailed me informing there were two big transactions, {$11000.00}, and {$8600.00}, just made, asking if I made them. I replied " NO '' right away. Upon returning to NY on XX/XX/XXXX, I followed up and learned the {$11000.00} transaction was declined but {$8600.00} was considered valid as the chip was used. I have kept contacting Chase since then, explaining the situation and providing all the documents required : including a copy of my passport, travel itinerary, even a copy of the email from Chase notifying the fraud on XX/XX/XXXX. I also have an attorney, XXXX XXXX, to help me. 
Despite of all our contacts and supporting documents, Chase sticks with one answer, the card chip was used, therefore I am responsible for the payment. In the meantime, they never provide any evidence to show what made them to believe the transaction was made by me, when, and for whom to consume for what time period. As a card issuer, they can track such activities easily and can identify who actually used it and could cancel it quickly. Instead its Fraud department even made a false statement in a letter to my lawyer on XX/XX/XXXX saying that I " notified them the transaction was valid, '' despite of the fact that I have repeated denied this charge. 
A national bank would lie to its customer 's lawyer to justify their incorrect conclusion? is this an intentional mistake or a crime? 
It has been over three months since I first replied Chase email with " No '' in XXXX. the case is still going on with no end in sight. Now the bank begins to charge me interests even though the transaction is in dispute. 
I'll attach my travel itinerary and my lawyer 's latest correspondence with Chase on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
At the end of XXXX in XXXX, I went to XXXX XXXX in XXXX, AL to purchase a vehicle due to some maintenance issues that I was having with my current vehicle. I was shown the XXXX XXXX XXXX that I eventually purchased by a sales manager. I expressed concern at the time of signing because I continuously asked for a total financing amount from the dealership who made misleading statements expressing that they wouldn't be able to give me the final amount. After hours of being pressured by the dealership to complete the sale, I reviewed the sale contract and saw where I would be charged over {$11000.00} more than the base price for the vehicle which was only {$23000.00}, totaling the sales purchase to over {$35000.00}. I went back the next day to return the vehicle, which I was told by the dealership manager that I couldn't do. I do feel that as a young, XXXX woman, Ally Financial empowered the dealership to trap me into a financing commitment that was extremely predatory and over-priced. After years of trying to keep up with the outrageous payments, the vehicle was repossessed in XX/XX/XXXX. Even two years later, Ally Financial continues to try to collect on a collection that was placed on my credit for roughly {$8000.00} which has affected me being able to obtain healthy credit or financing options.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/14, I mailed a BOA check to the address below : Internal Revenue Service XXXX  XXXX, MO XXXX After receiving a letter form the IRS on XXXX that the check was not received, I logged into my BOA account to check the status of check # XXXX. In reviewing the check, I noticed that it was cashed by a Merchant   XXXX at a XXXX bank. I immediately called Bank of America fraud and initiated a claim. 
On XXXX, I went to the DC  Police department to open an investigation. On XXXX, I returned the claim form that Bank of America sent me that morning with signature and details. When I requested to be temporarily returned my funds, Bank of Americas fraud supervisor XXXX/XXXX  stated that this type of fraud doesnt allow Bank of America to return funds. 
As a customer, I should not be treated as a criminal. I am the only victim in this situation. Bank of America should have never honored a check written to the IRS and cashed by a bank. It is completely inappropriate for the customer to be inconvenienced when Bank of America didnt perform its fiduciary duties to protect my funds.

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