vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I received my supplemental tax bills in XX/XX/XXXX, and immediately sent them to AmeriHome for payment. They had not collected enough ( {$400.00} short approx. ) so they mailed me a check from my escrow account and I paid the taxes myself, adding the remaining funds. The supplemental tax bills provided in XXXX called for 2nd payments to be made in XX/XX/XXXX. In XX/XX/XXXX, Amerihome raised my monthly payment by {$100.00} to help cover the gap in the escrow account. In XX/XX/XXXX, I received two notices of penalties for non-payment of supplemental taxes, amounting to almost {$400.00} in penalties and fees. I forwarded these to Amerihome and reminded them that they had my bills to pay for 7-8 months. They did nothing. I called and they told me : we do not pay supplemental taxes. I asked why they would collect {$14000.00} per year for {$1200.00} in standard property taxes, and why they raised my monthly payments to specifically cover supplemental taxes? They finally admitted that they DO pay supplemental taxes, and proceeded to do so, however they used my escrow money to pay the {$400.00} in fines!! I called to get a refund, they told me " we do not pay supplemental taxes ''. After another argument, they agreed that they do, but they refuse to reimburse for the penalties which THEY caused. This is called : fraud. For the record, Amerihome ALSO FAILED to pay to renew my homeowners ' insurance, required by law!! They let it lapse for an entire month while at the same time sending me letters demanding I obtain coverage! My insurance company contacted them 3 times to no avail, until I called and yelled at them to pay it or I would sue them. They finally paid it, but I had no coverage for a month. Amerihome is asleep at the wheel - for a company responsible for my mortgage, I have ZERO confidence that they know what they are doing. They have cost me money, put my home at risk, and refuse to take any responsibility. Please help, this is my first home and all I have experienced is XXXX and being ripped off by Amerihome.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
A Certified/Return Mail was sent to this creditor, Barclays Bank - Delaware requesting that the account # XXXX since XX/XX/2012 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job and the consistent lack of credit extension to me by potential creditors. Barclays Bank - Delaware must delete this erroneous information from my credit reports with all the Credit Bureaus with immediate effect. 

Thank you, 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 2019-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BBVA FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened this account at the beginning of XXXX with BBVA Compass. I lived in XXXX because work, and I left the country in XXXX XXXX to work in XXXX. I kept opened the account in case I was coming back. I left to the XXXX XXXX address, my email and I left the credit card in autopay. I left also money in the checking account link to this account. I found the account in collections last year, XXXX XXXX, when my company sent me back here. I tried several times to change my address and fix this with the bank with no luck, so I closed the checking account and full paid the ''supposed debt ''. Then I request several times a statement to proof if I owed that money and to know where it came from. I did because my acknowledge of the rules here. In XXXX and XXXX, you paid and then claim if it was an error to avoid troubles. The bank told me by phone they would send a statement. I wrote letters with my data, address, phone, SSN, copies of the credit card, ... I never received anything or explanation. 
I claimed to the bureaus, but the information in the credit reports is not changing and it is confused, looks different in all of them and even different if you check on your phone or your check in your computer. 
I paid to XXXX XXXX to help, and for 3 months they didn't solve anything or gave me a clear information about how to manage this. I have spent around XXXX XXXX dollars to fix a ''supposed debt '' of XXXX dollars. I couldn't find an apartment to live without a co-signer. I have an annual salary of XXXX dollar and an international company covering my expenses, I have been working with them 15 years now around the world. 
I never missed a payment in any country for my rent, or my mortgage in XXXX, or utilities, nothing. 
I have asked a loan to Stilt just to build credit, when I didn't need it, only because this, and open accounts I wouldnt if wasn't for this to try to improve my credit and be able to rent an apartment without have to ask favours to friends to be my co-signers. No way to think in invest in a house here. I could have bought one with a good down payment, but instead, I have to spend and I will spend around XXXX dollars in renting during years. 
Please, I ask some help here as this is so unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I HAVE BEEN USING PAYPAL TO CHARGE TO MY CLIENTS BY A SMART XXXX DEVICE. I DO WORK IN A XXXX XXXX AND SINCE XX/XX/2019THEY REFUSE TO GIVE MY MONEY $ XXXX AND THEY HAVE BEEN CUSTOMERS ASKING FOR REFUND TO TAKE MY MONEY SLOWLY THEY TOOK $XXXX
PLUS $XXXX  PLUS XXXX 

THEY REQUEST FOR MY ID OR LICENSE DRIVER, I SENT TO THEM AND THEY SAY IS STILL IN REVIEW. 
I HAVE BEEN CALLING SEVERAL TIMES AND WHEN I GIVE MY PERSONAL INFO 
THEY HANG UP ON ME. 
I HAVE BEEN TRYING TO GET MY MONEY EVERY SINGLE DAY CALLING, LEAVING MESSAGES AND THEY REFUSE TO GIVE ME MY MONEY 

MY INFO 
XXXX
XXXX XXXX XXXX XXXX XXXX  NC XXXX
XXXX.XXXX.XXXX
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I disputed a rental car charge for {$160.00} as the email confirmation from the rental car agency was drastically lower, and the rental car 's customer service was unable to help or didnt have the permissions to issue a refund. 

I disputed the charge through my credit card and received a notification that a temporary credit was applied to my card while a dispute was opened. I received no other communication or request for information. 

A month later, I received a letter from credit card company stating the dispute had been resolved in the merchants favor. No details were provided. The only explanation was that there was insufficient information to support my claim. However, no information or documentation was ever requested. 

I tried to contact customer service via chat but was repeatedly rerouted and disconnected.

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 2019-06-09 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: GA

Complaint narrative:
I submitted a dispute about 30 days ago to TransUnion. I advised them that 2 loans from XXXX XXXX XXXX XXXX was paid in full and had been closed out but they still had it on my credit report. I was informed by TransUnion that the information was not updated because it was correct. I advised them that it was not correct and the other reporting agencies had already updated the correct 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 2019-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
I got the loan in XX/XX/XXXX from Consumer Portfolio Services for {$13000.00} on a XXXX XXXX XXXX from XXXX XXXX in XXXX, Va. My payments were XXXX with an added fee of {$12.00} to pay online. The only other payment option was to mail in payment which in turn would either have to be paid early or a late fee would be added. It is now XX/XX/XXXX and somehow, in the passing of almost two years of making payments on this car, I still owe {$12000.00}. How is this humanely legal and acceptable? No human being should be treated in this manner. Not only that, they report false reports to credit bureaus. Many of my payments that were made on time were placed as late and the balance that I owed has been {$12000.00} since XX/XX/XXXX. Not the balance of the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
I received a letter from XXXX XXXX  and XXXX  in XX/XX/2019 that they had sold a debt to Crown Asset Management. On XX/XX/2019, I sent a certified letter to Crown Asset Management informing them that this was not my debt and to validate the debt. Crown Asset Management signed for the certified letter and the return receipt card was mailed back to me verifying that they had received the letter. The letter included my current address so that Crown Asset Management could send me debt validation through the mail. Although they have my correct address, I have not received debt validation from them yet. I am writing for your assistance because I have read that this debt collection company tries to sue individuals for debt that does not belong to them and they also sue individuals without ever sending them any correspondence about the debt, no assignment of the debt, and no debt validation after it has been requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: TX

Complaint narrative:
I have begged, written and disputed, with Equifax to remove the fraudulent account From XXXX currently reporting, and in fact REINSERTED. I provided all the requested documents in regards to the FACTA AMENDMENTS to the FCRA for blocking. I specifically said I was not disputing the information was fraudulent and you had blocked it and then you incorrectly split my file and REINSERTED. They're unwilling to own up and rectify the mistake. Despite the sea of proof that is retained when I originally had complained to the CFPB. Additionally, the ftc requires them under federal law to block within 4 days, they have the audacity to continue to break it despite having the most treasonous data breach that also resulted in the multiple of executives charged criminally by the United States Department of Justice. Does this company ever follow the law it's becoming increasingly obvious that it believe it doesn't have to. I demand they remove the account, they've also refused to send me a copy of my report despite the dispute! And request to block

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest recovery company name is XXXX XXXX XXXX XXXX. Company trying to collect debt that I did over 8 years ago because recently I tried for a loan at company and they denied me cuz of past loan I had with them that I didnt realize I did. Account was already closed until recently reopened from company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Certegy Holdings, LLC
State: MI

Complaint narrative:
Tried to pay for groceries at XXXX, a store I have been shopping at several times a month since it opened in approximately XX/XX/XXXX, on XX/XX/XXXX with a check for {$190.00}. Check was declined based on information provide by Certegy. Manager resubmitted check, it was again declined. Only recourse offered was to contact Certegy. Cashier said I could use a debit or credit card instead.

Used online consumer contact form to email XXXX Customer Service. Response labeled as case number XXXX said they had forwarded my complaint to the store manager. Since the manager is the one who stomped away from the cash register after curtly telling me my only recourse is to contact Certegy, I consider this a brush off. Case tracking number is XXXX.

Used phone request system to request my file from Certegy. Received the file stating there were two attempted transactions in the past 24 months with their firm, both of them for the one check I attempted to use at XXXX. There are no declined items on file. The reason code provided is XXXX, which states basically that they will not tell me why they declined it. There is no appeal of their decision and no way to make sure they allow checks to go through anywhere they provide check authorization services. Tracking number is XXXX.

Did research on the internet. Apparently Certegy takes into account only people who use checks at companies that use Certegy 's services. They have no visibility into a customer 's credit worthiness or prior bad checks, and so are apparently declining based on whim.

I have not bounced any checks, do have money in the bank, and do have a decent credit rating. The bank account on which my check was drawn is one I have done business with for over 10 years.

Have contacted my State 's Attorney General, the Federal Trade Commission, Certegy, XXXX  and my bank regarding this issue.

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 2019-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
Fed Loan Servicing services When I started services with Fed Loan services, I was under the impression that I was making payments towards the student loan forgiveness program. 
In order to qualify for this program, I was supposed to work in a health administration office for several years and that qualified me because at the time, I was working for XXXX XXXX XXXX. 
I was re-certifying with Fed loan services and making payments as scheduled, but noticed that balance was never going down. 
I called Fed loan services, in XXXX and was told by a representative that I was not in the forgiveness program, but that I was in the re-payment plan.. I explained that when I first started with fed Loan services, that I was supposed to be under the forgiveness plan and that by this time, my loans should be forgiven.. Representative stated, ( XXXX ) stated that he would send me the application needed for me to fill out and send back to them to be on that program. He also stated that all my years of working in the health care industry would be taken into consideration. I filled out the application and advised on the application that the company, I previously worked for is closed but that I have all my income tax paperwork if needed. I also submitted information to the phone number and address to the corporate office to where I worked. 
Submitted all the information and waited -- Supposedly in 7-10 business days, I would get a response. Days passed, I called Fed-loan and representative explained that it was still in process.. Representative also stated that reason it was taking so long is because they did not have information for my previous employer.. I explained once again that i submitted all I had and also contact information., I was then told that my paperwork was still under review and that I needed to wait. 
I have called several times, and have been told that my paperwork is in compliance and that I must wait for an answer.. 
Then I have been told by supervisors that I should be receiving an answer within a couple of weeks.. 

I come to you because I applied for this in XXXX of 2019, and we are now in the month of XXXX and I have yet to receive an answer in regards to my application for the student forgiveness program from Fed Loan, This is horrible.. My student Loan should had been forgiven months ago, but yet as I can see, I am under the re-payment plan and still my balance has not gone down, but as a matter of fact increased due to interest.. 

I am in need of assistance.. I am in need of help.. I have yet to hear from anyone in Fed Loan. 

My name is XXXX XXXX XXXX My phone number is XXXX Please help me, Thank you Kindly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CHECK INTO CASH INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX name is XXXX check into cash. Company trying to collect debt that I did over 8 years ago because recently I tried for a loan at company and they denied me cuz of past loan I had with them that I didnt realize I did. Account was already closed until recently reopened from company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
UNAUTHORIZED INQUIRIES APPEARING ON MY XXXX, TRANSUNION, AND XXXX! 

XX/XX/XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX-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 2019-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: NY

Complaint narrative:
I called my bank to update my address two different times, my debit card was involved in an undisclosed breach and they sent my debit card to the address i specifically called to remove. After finding this out and being without a debit card for weeks I called and gave a series of intimate questions yet again lasting over 30 minutes just to remove that address. The debit card was eventually sent to a bank for pick up because they consistently sent it to the wrong address even after calling the second time. The support rep never removed the address off of my account and only added my new one to my profile. The debit card was hacked again and I requested a new one a few weeks ago, they promised it would be sent to the correct address, they sent it again to an old address and said it was a computer error, they charged me {$25.00} two different times for it to be re sent and I had to fight them to refund that fee. They still haven't removed the old address from my account and blame me for not having it updated. This has been the worst headache of my life and key bank has been nothing but unhelpful, their untrained employees have me scared that they hold the ability to destroy someone's life financially with the smallest of mistakes. The tracking address I have proves it was sent to a non existent address and yet they claim it was sent to my current address, what lies I've been fed, this company is a sham and needs to be investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/2019 I Paypaled a lady {$97.00} for XXXX XXXX Concert Tickets. I have yet to receive the 2 tickets I purchased. I have tried contacting her multiple times. She was transfering me the ticktes through XXXX. I have also contacted them about not receiving what I purchased. I have done a request of {$90.00} dollars to the lady on Paypal. I need to know the next step to take. I either want my money back or I want the tickets. The tickets are dated for XXXX XXXX at XXXX XXXX XXXX, XXXX GA at XXXX. 
Please contact me here or via email to further more discuss this problem. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am the XXXX of other country and non-resident XXXX  of U.S. 
I opened saving account for XXXX, but they refused to recieve Form W-8 BEN, which is required for avoiding us from being imposed double taxation and should be repoted to IRS. 
For this reason, they don't give us motivation keep the account after making initial set up of the new account. 
Moreover, my wife has a deplomatic visa and it should not be required to have SSN for her credit certificate. But XXXX refused to create the joint account with her for her not having SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09 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: CT

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I provided Equifax, XXXX and XXXX  Credit Bureaus with proper documentation that I was a victim of ID Theft. I also filed am official report with the FTC as we. To date Equifax is the only bureau that has not removed these fraudulent accounts from my credit report. This is hurting my credit and potential new hire at firm I have submitted my resume to. The accounts that are due to ID Theft were with XXXX XXXX   account number XXXX opened on XX/XX/XXXX in the amount of {$430.00} and also XXXX  account number XXXX opened XX/XX/XXXX in the amount of {$200.00}. My attorney is taking legal steps to hold Equifax accountable for not following the Fair Credit Act Laws accordingly.

Company response to consumer: Closed with non-monetary relief