vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, 2017 approximately XXXX XXXX my car was stolen. Westlake financial breached my contract by not following the fair debt credit act. They also had relentless towing company trespass onto my private property and remove my personal private conveyance. Relentless violated chapter 1923. 01 jurisdiction and forcibly enter and unlawfully detain my private property after me asking him to get off my property. I let him know he was in violation of theft and that I can make him accountable for theft of private property. I then called the tow company to file a complaint on the guy who stole my property and was treated rudely while trying t speak to a supervisor, which she failed to do. I then asked to get the CEO/corporate office name and address and was told she could not disclose that information and hung up the phone on me, I called back to try to resolve the issue so that they can return my property and did not get and answer. I called westlake and spoke to a supervisor to resolve this matter and he failed to resolve it. I have documents and videos but I am unable to upload at this time. 
Pursuing to title 15 USC 1692 A4 the term creditor is construed to mean one who offers or extends credit or the creator of the debt. I am the only one who can be the creditor to my ability to create a debt. Westlake financial misrepresented their status as the creditor when in fact I am the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
Ive never been physically contacted by this collection company, I saw it via a fraud alert on my XXXX credit report ... this is a 3rd party company that is attempting to collect a invalid debt, prior creditor XXXX XXXX closed this account per my request in XXXX, the account was opened in XXXX without my consent nor acknowledgement via online ... I demanded in XXXX that XXXX close it ... and release my name from any accounts, they responded via phone call, I filled out fraud packet in XXXX and sent it to them ... completely invalid debt ... this company the " Bureau '' re-filed it in XXXX of XXXX ... with erroneous data ... and it has hurt my credit score and defamed my otherwise decent name ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: SC

Complaint narrative:
I recently pulled my Credit Report from all three of the credit reporting agencies ( XXXX XXXX XXXX XXXX ) a have noticed a collection from ERC that was placed on my report on X/XX/2017. It states that they are collecting for a XXXX account in the amount of {$1200.00}. I have never had an account with XXXX and I also have never had anything with ERC either. I have never had an account with this company I have never spoken to this company and I do not have a contract with this company. This is an incorrect debt and false debt that ERC placed on my report. I filed a compliant with the Better Business Bureau and ERC sent an email to email address that was on the compliant asking me to enter personal information to see the message. I did not. They also sent in the mail what looks to be an old phone bill with my personal information on it. They have yet to provide me with a signed contract with my signature. They are asking me to fill out a fraud form with XXXX. I will not do anything with this company because they have yet to provide me the documents that say i owe this debt. This account has been disputed and ERC refuses to remove from my credit reports. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must delete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX, I received an offer of 0 % promotional APR on all new purchases until XX/XX/XXXX. I  took the advantages to advance {$20000.00} on XX/XX/XXXX and another {$20000.00} on XX/XX/XXXX after paying a balance transfer fee of {$2000.00}. 

Minimum payment was debited from my checking account on due date every month. In addition, I pay for all the new purchases before each due date. Not only that I never owe on the new purchases, my balance has always been way below {$40000.00}. However, CitiCard keeps charging me high interest rate on my purchases, I called three times to ask for an explanation. They told me that whenever I used my card for purchases, interests would be applied because the system was not set up to tell whether the payments were for the new purchases or towards the {$40000.00} cash advance. I was advised to pay off the {$40000.00} or not to use the credit card at all. 

Since I have prepaid {$2000.00} balance transfer fees, it is not fair for me to pay off the {$40000.00}. I have quit using this credit card in the last two months, yet there are still pre-set automatic payments from this credit card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: American Credit Financial
State: CA

Complaint narrative:
American Credit Financial XXXX, Georgia contact me threatening to come to my place of employment. I have not received anything in the mail these pass two years about the loan from XXXX XXXX. Then all of a sudden I get a threatening message about coming to my job or home being served with papers and going to jail. So due to these threats I was scared about the security of my job so I paid them XXXX by phone. To find out later this place is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
I was having payment discussion with my mortgage servicer in XX/XX/XXXX about setting up payment arrangement to catch up our mortgage from the late fee 's that had accumulated on our account. Seterus which is the servicer. I spoke with a representative from Seterus by the name of XXXX. We set up a payment arrangement on XX/XX/XXXX for the months of XX/XX/XXXX and XX/XX/XXXX to pay a certain amount and it would catch the account up including all late fee 's. At the time of conversation, I had also made the XX/XX/XXXX payment of XXXX XXXX. Seterus sent a letter XX/XX/XXXX with the agreement which the dates and amounts were wrong, and showing an amount for XX/XX/XXXX. on XX/XX/XXXX I spoke with XXXX again and told her I was unable to adhere to that arrangement and that I would not be able to pay my XX/XX/XXXX mortgage payment until XX/XX/XXXX. I told her I would call her to make the payment and set up new arrangement or a payment plan for XX/XX/XXXX and XX/XX/XXXX. She asked me if I could make a payment on XX/XX/XXXX, which I told her I was not sure I could do that, and I would call to let her know at that time. Never in our conversations did I authorize a auto-withdraw on my checking account. XX/XX/XXXX Seterus unlawfully withdrew {$2200.00} from my bank account without my authorization. I contacted them and told them they needed to send notification to the bank that day ( Friday XX/XX/XXXX ) and stop the withdraw that was showing in " Pending status '' The representative said that they could not do that and that it is too late. They stated I could go through the process of dispute which I would have to pay a wire service to have the funds wired back into my account, when they unlawfully withdrew the funds. I stated to the representative I wanted proof ( today XX/XX/XXXX ) sent to me that I authorized such a withdraw. He never answered the question and invaded it. They would not send the notification over to the bank stopping the withdraw. So in essence they refused to send it knowing they unlawfully withdrew the funds.
I have consulted with an Attorney and he advised that the first step is to file with the Consumer Finance Protection Agency. Representation will be obtained officially after this complaint has been answered, and a possible civil law suit could ensue.
I have also filed a complaint with BBB I have also filed a police report.
The Pennsylvania Attorney Generals office will also be contacted.

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 2017-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
The original creditor was XXXX XXXX. I owed was about $ XXXX as of XX/XX/XXXX. The last payment date on this was XX/XX/XXXX. 

I lost my job due to a work related XXXX and then lost the income from that as well. I am not sure how XXXX XXXX XXXX is involve, but I received no notification that they were filing a judgement against me. XXXX XXXX XXXX filed the judgement against me on XX/XX/XXXX in XXXX County Dist Court, Docket # XXXX in the amount of {$12000.00}. I did n't even know there was a judgement until I tried to refinance my home in XXXX of XXXX. At that time, the loan officer informed me that it was on my credit report. We did research and found that XXXX XXXX XXXX XXXX   has the file and the total amount they are charging me now is {$19000.00} as of XX/XX/XXXX. I have attempted to correct this with them, however, they continue to tell me that I need to speak to one person and that person is never available and will not return my calls. I have the information that they requested and I do n't know what they have done with it. 

They sent me a statement dated XX/XX/XXXX, told me in that letter that they are representing the XXXX XXXX XXXX, that my account number is XXXX ( they did n't even give me my entire account number ) and their file number is XXXX and told me that the amount owed is {$19000.00}. 

I have attempted on several occasions to correct this issue and have received no help in return. Instead, they continue to charge me 8 % interest per day and a $ XXXX/mth late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 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: DISCOVER BANK
State: PA

Complaint narrative:
I received an e-mail ( attached XXXX from XXXX XXXX indicating that I had placed an order for {$2500.00} for a camera to be shipped to XXXX XXXX in XXXX. I placed no such order and do n't know who XXXX XXXX is. There was no account number on either the e-mail or the receipt, just that it was paid by a credit/debit card. I contacted XXXX and received a response XXXX attached ). Apparently an account was opened with Discover that I know nothing about. A few days later I received a check for {$1.00} from Discover ( with no account number or other identifying information ). I shredded the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
The company that I am disputing is Credit Consulting of XXXX Ca Today XX/XX/XXXX XXXX XXXX I was contacted regarding a debt I have under XXXX the debt was put in collections in XX/XX/XXXX and was contacted by them soon after to collect the debt I set up a payment plan with them and paid all of the payment of the 780 balance except for the last one of 80 they called me today to collect a total balance of XXXX which they said is because I did n't pay the last payment in XX/XX/XXXX they began to charge interest to the balance which I was unaware of and when I asked if that was in a signed contract she said no I do n't see it here I also asked her it 's XX/XX/XXXX why have n't you tried to contact me she said we did once after your missed payment in XX/XX/XXXX and I asked her so no other communication since then and now you are calling to collect a date which has been collecting interest I even offered to pay the initial balance which they declined I was told yeah just call us back when you get a job in a rude tone by the manager

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of Carbon County
State: CO

Complaint narrative:
On XX/XX/XXXX, I sent a letter to 5 entities associated with a medical debt for a date of service of XX/XX/XXXX, regarding the fact that after my last payment to 2 associated debt collector/s in XX/XX/XXXX, for the date of service of XX/XX/XXXX, and payments made to each, that no single entity had responded to my letter dated XX/XX/XXXX, or sent any additional information about the remaining amount of the debt owed for the date of service on XX/XX/XXXX. It 's been several months since those checks were cashed and I 've heard nothing from any of them since XX/XX/XXXX, about the remaining balance ( s ) due. It 's been over 30 days since I sent letters to the 5 entities associated with the remaining debt for the date of service associated with XX/XX/XXXX, and I need answers. I need to know who holds the remaining debt. I need paper statements and each have refused to cooperate or work with me on these matters. Probably because each of the 5 entities are directly or indirectly connected to another situation I believe is under scrutiny/investigation by the Securities and Exchange Commission Office of the Whistleblower, the Department of Justice, the F.B.I. and the Consumer Financial Protection Bureau for money laundering issues that have nothing to do with the date of service of XX/XX/XXXX. That 's not my problem. That 's their problem. I owe an amount due for a date of service of XX/XX/XXXX. Period. The other debt related issues held with these entities will be resolved by federal law enforcement. Not by me and not by them. " They '' need to separate the 2 issues and have the balls to send me a statement with a balance due for XX/XX/XXXX All the other " debt '' they claim to hold outside the DOS of XX/XX/XXXX, is wrapped up in a money laundering scandal that I tried warning each about via a court proceeding and they failed to listen, and quite frankly I could give a XXXX 's XXXX. Send me a bill for the remaining balance due for the DOS of XX/XX/XXXX. That 's the issue front and center right now. The other issues will be dealt with by lawyers and federal law enforcement. They are separate issues and should be treated as such. I do n't want to be contacted over the phone about any of the debts under investigation. I do n't want to be contacted over the phone about the DOS of XX/XX/XXXX ; I want paper copies of balances due from whomever the debt holder ( s ) currently are and an explanation as to why no one has sent me a bill for the XX/XX/XXXX DOS since XX/XX/XXXX, and since they cashed those checks associated with those accounts since XX/XX/XXXX. I also do n't want any of these entities trying to pursue " debt '' they know is under federal investigation as it concerns anything but the DOS of XX/XX/XXXX. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
We are trying to obtain financing for a home and we were told that there was a mortgage through Loancare Servicing Center from 2014, still on the credit report. It showed Open/In good standing/Paid as agreed, but it had a balance of {$360000.00}. 
This loan was a refinance of a previous house ( since sold ) and the loan had been sold several times after this servicer had bought it. We contacted them on XX/XX/XXXX requesting a correction and a letter stating that the correction was being made. We have nothing. I call every day and each call takes approximately 30 minutes, only to be told that it will be escalated and someone will call and a letter will be sent " in 24-48 hours '', but no one ever calls and we have no email, no letter, NOTHING. We are unable to get financing for our new home because of this. THEY HAVE ACKNOWLEDGED THAT THIS IS AN ERRONEOUS REPORTING and I still can not get them to put that in an email. I do n't know what else to do.

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 2017-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I made a check deposit of XXXX at the Bank of America ATM machine. This is something I have done for many years. After making the deposit I received access of only {$300.00} which as expected. After sending out several bills knowing my payroll would also hit my account on XX/XX/XXXX and expecting several automatic payments to go through I proceeded to spend my money on items needed in preparation for my son wedding. I believe on XX/XX/XXXX I was looking at my email and found a email from Bank of America that my account was -XXXX. I called customer service and was told the deposit I made on the XX/XX/XXXX was placed on a hold because of something that was written on the check, indicating the check could be insufficient. I asked the lady how was I supposed to know that this would happen, she stated you would not have known. and why did I have to find it in my email. When I asked if I could come get the check and go cash it at the bank it was written on she told me there was no way they could do this. I explained to her that I needed this money and there was several transactions coming in and all the BOA was doing was holding my check and charging me for {$35.00} for everything that comes in knowing they have a check with sufficient funds. The check was printed by Texas Comptroller of Public Accounts. The warrant number:XXXX, which guarantee the funds and I was informed by the Texas Comptroller these funds are guaranteed. This has cause much anguish, and has basically been a nightmare for me. I have no money, I cant use any of my credit cards because they have declined all payments, and I just do n't know what to do. This is wrong, I have had this account with BOA for over 17 years and have never received such a disservice. I am no longer to move forward with my sons wedding because this has caused a 7 day delay, and I 'm just numb. I need someone to help this wrong be a right. I just cry everyday because the whole reason of me to get these extra funds was to get all of my bills paid and get ready for this which should have been a happy occasion. 

After speaking to the lady with BOA she said I 'm going to refund you one of the {$35.00} fee, but that was all she could do.

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 2017-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I received a call from a girl at fidelity creditors in the beginning of XXXX to notify me of an unpaid debt that I had with XXXX. Every time she called I would be at work so I had her contact me at a certain time. When I spoke with her she was poverty passive aggressive, I gave my card number to my Medical Reimbursement Account and then proceeds to tell me that they do n't take that card and to give her another because she knows I have another one. I told her I did n't at the time cause I was waiting for my debit card to arrive and told her to call me in a week. Well she calls me three days later asking for their money, my cell service is n't the best in most areas and the call drops almost everywhere, as I 'm on the phone with her on XX/XX/XXXX around XXXX and the call drops and then she proceeds to leave me a voicemail saying how that was rude of me and disrespectful and I am very uneducated and basically borderline calling me stupid in Spanish. I blocked the number and the calls stopped of course until yesterday someone calls me unknown and it 's that lady so I tell her sorry she has the wrong number and she blows up on me again saying " oh so now I have the wrong number? But I did n't have the wrong number before? '' so I hang up. I called XXXX today and spoke to a rep asking them if I owed them any money that was past due and if I did I 'm sorry and I was willing to pay them directly. She tells me that I have no past due balances and I 'm up to date on my file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
To Whom it May Concern : My complaint is against my loan service providers XXXX and NELNET. XXXX ( XXXX XXXX XXXX XXXX NY, XXXX. ) recently transferred my loan to NELNET. XXXX XXXX. XXXX XXXX XXXX, Nebraska XXXX ). I received a letter stating I was 75 days past due on my account. XXXX previously approved both an unemployment deferment and an income based deferment. Therefore I am disputing the status of my account ant the amount owed.

Company response to consumer: Closed with explanation