vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 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: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Please see emails to company below. It is impossible for me to include all the times they have contacted me as they call from different/blocked numbers. 

Hello, Today, despite the communication below on XX/XX/2020, I received a threatening text message and my MOTHER received a threatening voicemail on her HOME ANSWERING MACHINE from a number associated with your company. 

This is your official notice that, as outlined below, I will be contacting an attorney and pursuing legal action against your company for your many violations of federal and state laws regarding debt collection. 

Please look forward to a call from my attorney before the end of the week. 

On Sat, XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX wrote : I have not heard back from you regarding my alleged debt. 

Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. 
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the California Attorney Generals office. Civil and criminal claims will be pursued. 

Sincerely, XXXX XXXX On XXXX, XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX wrote : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2020 AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS67205 Dear Sir/Madam, Re :  Account # : XXXX Im writing this letter to open a negotiation on the alleged debt for the account number provided above. After a period of financial hardship, I am currently working to address several alleged debts listed on my credit report. However, I still have limited resources and will only be able to provide partial settlements for the alleged amounts owed. 

With that in mind, I would like to propose to settle this alleged debt for {$45.00}. In return, I request that your company remove this collection account from my credit report, along with any related negative information. I also request that you do not sell the remaining alleged balance to any other company. 

If your company is willing to accept each and all of the above aspects of this request, please prepare a settlement agreement, sign it and send it to me via email. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Scammer phone number : XXXX ( XXXX ) XXXX Scammer 's Email : XXXX Scammer 's name : XXXX XXXX XXXX XXXX XXXX XXXX sometimes they use both male & female first names ) These scammers are preying on people 's paypal personal accounts as well as accounts on websites such as, XXXX, XXXX etc. 
They contacted me via phone & text messages on XXXX threatening my life and personal data security several times. This way they wanted to force me to pay them money via PayPal. 
I presume they somehow have managed to illegally obtain my personal information from my profile accounts on the websites mentioned above. 
I already reported to PayPal com. but no actions have been taken so far. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I paid for a hotel stay at the Philadelphia XXXX XXXX using my CashApp card on XX/XX/20. The hotel mistakenly charged me for an additional night Leading my total charge from the hotel to be {$530.00}. Upon learning of the additional charge I contacted the hotel on XX/XX/20 and they processed a refund of {$270.00}. This refund has not been received by me in my CashApp account. I have contacted CashApp countless times to dispute the charges but have gotten limited response or none at all. I have provided all supporting documents requested and I just need the money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/XXXX my son was in a XXXX XXXX ; resulting in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( for verification search # XXXX in your web search engine ). This was immediately on the heels of my employer ( XXXX XXXX ) laying my off while on XXXX/XXXX  for XXXX   XXXX. 

As a result I struggled most of XXXX to keep up with my bills, but I was able to make minimum payments until I was able to get back to work in XX/XX/XXXX. Unfortunately getting back to work did not help much as it required me to work out of state for nearly a year. The added expense meant I was no longer able to make my minimum payments on my Wells Fargo credit card. 

I was making the minimum payments to the best of my ability and requested help with the remaining balance. Instead my account was closed and the debt was sold to a debt collection agency. I now have TWO agencies hurting my credit over their refusal to work with 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 2020-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
This collections account showed up on my credit report and I have tried SEVERAL times for account validation because this isnt mine and unfortunately had identify theft with XXXX so I watch my credit report VERY carefully. I have never received communication by mail or phone from this company and went as far as to contact the credit agencies for help.

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 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank sold me a 12 day trip to XXXX for XXXX points ( worth {$10000.00} ), now it is impossible to use the trip as per XXXX 's XXXX XXXX XXXX you must be in isolation for 14 days upon entering the country and " A foreigner who leaves the country before the end of isolation with no special approval, violates the laws of the state of XXXX and his next entry will not be approved. '' ( https : XXXX ). 

So basically it would be illegal to take the trip, however, Chase Bank will not give me back my points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SLM CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX, I initiated a loan payoff for 3 accounts through offer I received from my XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX and XXXX rec 'd their wire transfers. Sallie Mae, online showed no payment made. On XX/XX/XXXX I called and they said they sent wire transfer of {$7500.00} back, even though my name and cust #  was referenced. They then gave me a physical address in XXXX XXXX and insisted that a paper check had to be sent there. On XX/XX/XXXX, XXXX XXXX XXXX  mailed it out. On XXXX I made calls again as Sallie Mae online showed no payment and now has increased what I owe by approx {$88.00} interest. Sallie Mae said that they do not receive payments in XXXX, had no idea why I was given that address, didn't know where the ck was and that a paper check had to be mailed to XXXX. So I told XXXX XXXX XXXX XXXX that and gave them address in XXXX that I was given, which I had checked and double-checked while I was on the phone w Sallie Mae. XXXX stopped payment on the first check. Today, XX/XX/2020, Sallie Mae called me and asked me to read the front and back of the check to them, a check that I have never been in possession of! I told them a new ck was being sent to PA. I checked the address with them and they then gave me a different zipcode extension number! Hopefully it is applied correctly. Sallie Mae is every time I call in talking to me as if I have a student loan even though every time I tell them it is a personal loan, give my loan #, plus the phone tree requires you to denote if you are calling about a personal or student loan. Over a month has passed and they now expect me to pay {$88.00} in interest. I am now paying interest to two different institutions on the same funds. I will call them and ask for a refund of one months interest. My email is : XXXX XXXX XXXX Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The account below should be a zero balance. 

Item1 : XXXX XXXX XXXX XXXX Account : XXXX {$9100.00} Reported balance Highest balance {$10000.00}

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 2020-08-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The account below should be a zero balance. 

Item1 : XXXX XXXX XXXX XXXX Account : XXXX {$9100.00} Reported balance Highest balance {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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 am a victim of identity theft due to an XXXX  credit breech. experian credit services and XXXX credit services continue to report these fruadulent accounts for monetary gains. They have been sent all the information needed including identy theft report, ID VERIFICATION, POLICE REPORT AND FRAUDULENT ACCOUNT information to permanently block these identity theft accounts from my credit according to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 2020-08-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
I placed an order to XXXXXXXX XXXX online for 5 bottles of XXXX and additional 6 bottles at a discount rate for a total purchase of {$280.00} on XX/XX/19. It came from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. After I opened the box I read the ingredient label & found out they had gluten in them. I have XXXX XXXX so I can not eat anything with gluten in it. I immediately tried to call the phone number on the email from them XXXX XXXX XXXX XXXX. The number on the email & their website does not work. So I emailed them at XXXX, but never received any response either by phone or email. I called XXXX XXXX XXXX XXXX XXXX to see if they had another phone number for them. They gave me another number to try. I called it & got a recording from a man saying please leave a message so I did. No answer or email from him either. The number was just a recording from a man to leave a message. Sounded very fishy. I called Barclays credit card customer service back. The rep tried to call that number & got the same recording. They put the money back in my account while they did their dispute work to contact the company. 
I finally received documents from Barclays telling me that they were not able to get the refund for me for these reasons : 1. Customer has not contacted customer service.

2. In order to proceed to checkout, customer must agree to terms and conditions on merchant page.

3. Customer did not cancel or return the product within ( 30 ) days from the original purchase date and therefore is responsible for the charge. 

Barclays put the charge back on my account. I called them back & had the rep look over the documents and she said you did what you were supposed to do so I will send it back to the dispute department to redo the dispute. 

I waited until yesterday to call them because I had not received anything from the dispute department. It has been almost a year now. The rep said they closed my case because I didn't follow the guidelines of the purchase. I was on the phone with the CS rep for over an hour. She put me on hold and never came back on the line. I am very unhappy with Barclays. 

I found out by checking XXXX XXXX XXXX on the XXXX page that they have had several complaints about refunds.

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 2020-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
Last year in XXXX they began garnishing my paycheck and three times the information was sent to them and it was found that it was identity theft and the credit cards were from early 2000 's and never even issued to me.Eventually I was able to retrieve half of the garnishment back {$410.00}, my HR dept. decided to not make any payouts because it was found that someone stole my identity. Now the same collectors are coming again after me with other debts and they have all the documents clearing me. All I want is my {$330.00} which is the remaining balance that is owed to me. They also mentioned his name is XXXX XXXX that he only has {$290.00} because the marshal kept {$40.00}. That is not my problem I want every cent that was garnished from my paycheck. My HR has tried as well as to retrieve my money and they refuse to give it back. Now they just send me another debt judgement same collectors knowing they have the documents that state I was cleared of those debts which were never mine. My HR stated that they are scammers and were sorry that they fell into 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 2020-08-11 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: AZ

Complaint narrative:
Hi I am filing this complaint against the 3 major credit bureaus. 

I disputed the accuracy of a XXXX XXXX account XXXX. 

All three are reporting different variables The follwing information is reporting wrong : Date Opened : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX : XXXX  {$1000.00} XXXX {$0.00} Equifax {$41.00} Credit Limit : XXXX  {$1000.00} XXXX {$1000.00} Equifax {$0.00} Last Reported : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX Comments : XXXX XXXX Charged off as bad debt Canceled by credit grantor XXXX : Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Equifax Charged off account Accounts closed by credit grantor Date Last Active : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX XXXX   XX/XX/XXXX Equifax XX/XX/XXXX The information above should be the same across the board. There should be no difference any of these factors. The FCRA clearly states items on a credit report needs to be reported as 100 percent accurate. If not not they should be deleted I have attached a copy of my report showing the in-accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: AZ

Complaint narrative:
Hi I am filing this complaint against the 3 major credit bureaus. 

I disputed the accuracy of a XXXX XXXX account XXXXXXXX. 

All three are reporting different variables The follwing information is reporting wrong : Date Opened : XXXX XX/XX/XXXX Experian   XX/XX/XXXX XXXXXXXX XX/XX/XXXX High Credit : XXXX {$1000.00} Experian {$0.00} XXXX XXXX$41.00} Credit Limit : XXXX {$1000.00} Experian {$1000.00} XXXX   {$0.00} Last Reported : XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX Comments : XXXX : Charged off as bad debt Canceled by credit grantor Experian : Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
XXXX Charged off account Accounts closed by credit grantor Date Last Active : XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX   XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX  XX/XX/XXXX The information above should be the same across the board. There should be no difference any of these factors. The FCRA clearly states items on a credit report needs to be reported as 100 percent accurate. If not not they should be deleted I have attached a copy of my report showing the in-accurate information

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 2020-08-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: OH

Complaint narrative:
I am a XXXX XXXX XXXX XXXX  XXXX XXXX veteran who currently has a VA Fixed Mortgage which is serviced by Planet Home Lending. This complaint is with Planet Home Lending 's handling of the escrow account which is a part of this mortgage. 

On XX/XX/XXXX an escrow analysis was conducted which showed an estimated shortage of {$1200.00}, resulting in a {$100.00} expected increase in monthly payments to cover the shortage set to begin XX/XX/XXXX. This shortage amount was calculated based off the estimate that the remaining property taxes owed for the year were in the amount of {$3400.00}, when in fact the remainder due at the time of the escrow analysis was only {$2300.00}, resulting in an over calculation of {$1100.00} on the part of Planet Home Lending. ( Sect B, Item 2 of Escrow Analysis Statement ) Planet Home Lending has an estimated escrow balance of {$1800.00} for the current month of XXXX ( according to escrow analysis done on XX/XX/XXXX ), when in reality according to the XXXX statement dated XXXX, my escrow balance is currently {$3000.00}, the difference being {$1100.00}. ( Table 2 of Escrow Analysis Statement ) This over-calculation resulted in the miscalculation of future escrow  requirements which is the main reason for this complaint. I will attach the escrow analysis statement and the current county tax record reflecting all of these figures, and showing the obvious miscalculation. Planet Home Lending has an estimated escrow balance of {$1800.00} for the current month of XXXX   However, according to the XXXX statement dated XXXX, my escrow balance is currently {$3000.00} the difference being {$1100.00}. ( Mortgage Statement for XX/XX/XXXX ) I attempted to contact Planet Home Lending to resolve this issue and after waiting on hold for an hour I was connected with a Customer Service Representative who could not comprehend what I have explained in the above paragraph. 

In addition to the issues above, a {$110.00} late fee has been charged to my county tax account for the late payment of my taxes. Taxes for XXXX County, OH are due XX/XX/XXXX for the second half of the previous year. According to Planet Home Lending 's records, a payment of {$2300.00} was issued out of my escrow account on XX/XX/XXXX. According to the county records the payment was not posted to my tax account until XX/XX/XXXX. I do have recourse I can take with the county in order to have this fee waived, but in order to have the fee waived I need Planet Home Lending to prove the funds were received by the county before the due date. I attempted to communicate this to the Customer Service Representative I spoke with, but was told repeatedly that it was between me and the county tax office and that Planet Home Lending could do nothing to assist me with it. 

Any assistance the CFPB can offer with this is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: GA

Complaint narrative:
Still have not received any payments from unemployment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: CA

Complaint narrative:
XXXX XXXX has repeatedly called me told me to go " XXXX myself '' called me 100 times called my elder mom threating her. talk to a XXXX I told him that I was a victim of id theft and that the man was arrested XXXX said he did not care was rude and said his just going to keep calling I told XXXX at XXXX that he could no longer collect because the time frame was up under California law he made up some bs thing! I again told he that the time frame by law was 4 years he was not listen or taking anything I said seriously rude XXXX arrogant! this man has violated every collection law! he said he can do what ever he wants and there nothing I or anyone can do about it!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation