vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
FCDPA 805 ( b ) FCDPA 808 ( 1 ) FCDPA 807 FCDPA 807 ( 6 ) We used to live at XXXX XXXX XXXX XXXX XXXX XXXX. 

This collector was sending collection letters to the above address when we no longer lived there. The Landlord/Homeowner of the previous address wrote " Does not live here '' on front envelope and returned the postage. 

PRA then responded asking for an update on my current address and was sending mail to my new address before I had submitted a change of address with the USPS, how was this information obtained? 

Second issue is PRA has illicitly refused to work with XXXX in correcting this. I had reached out to XXXX asking as to why I had a collection against me as I had stopped trying to doXX/XX/XXXXand had requested XXXX decommission my account. They never did. A unauthorized Charge for {$9.00} was submit to my XXXX account and as I had no money in it with orders to close it then processed to XXXX credit. 

XXXX never sent any notification or Correspondence. This whole time I didn't know I still even had a XXXX account until I got a collection letter from PRA for {$270.00}. 

The original {$10.00} charge had sat accruing fees until is reached the insane amount it is. I was never notified, never given a chance to pay, they hid this from me. 

When talking to a XXXX rep I was notified that when an account is " Charged off '' it is no longer in the merchants interest to pursue, but if the debt buyer is willing to cooperate then the issue may be returned and resolved between the merchant and consumer. 

The 3rd party collection agency will not return it to XXXX as the rep had stated and I would have to " take it up with them '' So I don't understand how XXXX can violate the FDCPA by racking up fees and late charges on an account I ordered to be closed with a {$0.00} balance and {$0.00} in debt then avoid liability by selling it off for a comprehensive {$270.00}. I have contacted the Collector and spoke to a supervisor woman ( XXXX or XXXX ) who told me they do not care about the circumstance and that I owed {$270.00} or I can just leave it and my decision will reflect on my credit.. 

I believe they have violated the FDCPA because they showed XXXX the purchase of debt, but can not provide the original contract or proof that I agreed to all these fees and upcharges. 

They also do not have a California License number and still do not at the time of sending these letters They still have inaccurate information as my address has changed again and they are disputing the account with an address I havent lived at for over 5 years. I am uncomfortable directly communicating with this collector after their behavior and renegade path to retribution. Way out of bounds here

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: LCI Acquisition Inc.
State: VA

Complaint narrative:
This is pertaining to a bankruptcy that I filed in XX/XX/2018 and the case was closed without a discharge but XXXX continues to report inaccurately because they say their third party agency LCI CONSUMER CENTER is providing this information so I filed a dispute with LCI through email as I was advised they sent me an email stating that it was in fact inaccurate information but nothing was done or fixed in regards to this I will be attaching court documents to verify my accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. After pulling a copy of my Consumer credit report I noticed that Equifax is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate the inquriy from XXXX XXXX XXXX XXXX that is showing XX/XX/22, furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Predatory mortgage loan practices via Wachovia/Wells Fargo during XXXX calendar years. 7.2 % interest during closing. Would not refinance during entire duration of the loan. Multiple foreclosure threats. Denial of refinancing applications multiple times. Transfer of loan to XXXX XXXX in XXXX. Then things got even worse. Forced to sell in XXXX pending foreclosure.

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 2023-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
The statements didnt match with my payments.

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 2023-05-23 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: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$290.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$270.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$1500.00}

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 non-monetary relief
Consumer complaint received 2023-05-23 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: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX Balance : {$270.00} XXXX  XXXX Balance : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: VA

Complaint narrative:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I received a call from XXXX XXXX XXXX saying they wanted to deliver a letter to me. The service said they were working for XXXX and gave me XXXX 's phone number XXXX. They said the company 's name is XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX at XXXX, said I owed a debt to Synchrony Bank for {$15000.00}. I never had an account with Synchrony Bank. They said the debt was from XXXX to XXXX. I never had an account with Synchrony Bank. They threatened to take me to court, seize my bank accounts, etc. This is harassment. This is consumer fraud.

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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have never had XXXX nor am I aware of XXXX XXXX. I have no idea what it is and why its on my report. I want proof of who they are not a random bill that can be from anywhere due to fraud. I have never received anything from these companies or know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV funding and XXXX is in violation of the fair debt collection act they refuse to remove this collection account from my credit report when i asked LVNV for something bearing my signature that this account belongs to me they provided me a PDF account numbers were incorrect the statments they sent were contain errors in spelling my name looks like it was editted its to close together the r in for looks like this is a fake document.. i will not pay this account because they failed to verify with proof that this account belongs to me my social isnt anywhere on this document. nothing with my signature. this company is in violation of the fair debt collection act and i ask that this account be removed from my credit report because it is making it very hard to get approved for credit when they are reporting this inaccurate information on my credit report ( which is a violation of up to XXXX $ ) they refuse to provide anything bearing my signature and i ask you the CFPB to help me get this inaccurate information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I recently visited Bethpage federal credit union on XXXX XXXX XXXX XXXX on XX/XX/2023 and tried to open a secured loan for XXXX XXXX I was denied because they said I did not have enough money in my account. Today XX/XX/2023 I called Bethpages ' headquarters and was told the minimum to open a secured loan was in deed XXXX XXXX I believe the branch on XXXX XXXX XXXX XXXX discriminated against 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 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
The following as occurred with accounts at the following banks : JPMC, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX 

I have been able to obtain debit card authorizations from these banks as issuer through the stripe payment XXXX. Following level of authorizations in a day : JPMC : ~ $ XXXX, XXXX : $ XXXX, XXXX : $ XXXX, XXXX : $ XXXX, XXXX : several accounts totaling $ XXXX, XXXX XXXX : several accounts totaling $ XXXX, XXXX and XXXX $ XXXX in two accounts. Each on of these banks has told me my account has been closed except for XXXX XXXX and XXXX- they say XXXX : permanently locked and XXXX No refund granted. The banks say the accounts are closed but transactions still settle on the account which cant happen with a truly closed account? In fact, banks have returned items unpaid late ( after settlement ) to avoid paying out funds. There are only two reasonable explanations for these occurrences 1 ) the authorizations and settled transactions occurred in error and qualify for RegE treatment. But this bring admissions to significant concerns regarding my account status. If authorization happens in error demonstrates collective weakness of internal controls to the payments system. Simplest explanation is banks are misrepresenting my account status and withholding credits from closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I tried to make a transfer from my Marcus account to another bank that was offering a higher APY. Marcus locked my account when I initiated this transfer. I called to find out the issue and kept being hung up on. I finally spoke to a supervisor, and they said they would send me an affidavit to verify my identity. I received the affidavit two weeks later and got it notarized virtually using an app called XXXX that charged {$25.00} for a virtual service. I could not physically make it into a store to notarize because my husband works and uses the car, plus I have XXXX babies to take care of. After I got the affidavit notarized, I paid {$30.00} for certified mail so they could receive it the next day. My tracking receipt shows they received the form on XX/XX/2023. 
When I called to confirm, they said it was under review and would take seven business days to review. I called back on XX/XX/2023, and was on hold for three hours. Then the representative said it was notarized by someone in Texas and needed to be done in North Carolina, where I reside. I told her I paid {$25.00} for a virtual video service to get this done. Hence, people work from virtually anywhere to help get documents notarized asap if they can not physically make it to a location. She said they would be sending out another form so it could be done in NC. I then asked to close my account. After all, I am no longer interested in banking with a bank holding my money hostage for over a month, all because I wanted to transfer some of my funds. She said she would send a code to the phone number I have on file to close the account. The code never came, and she asked if I had an alternate number. I told her I only use one number on my account and have not had issues using this number in the past for my account. She put me on hold for another hour and said my account was in review to be closed, but I will need to call back for updates. This has been the worst banking experience I have ever encountered, and I would like to close this account asap. They are holding onto my money and will not let me access or close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: Aargon Agency, Inc.
State: PA

Complaint narrative:
Inaccurate Information dispute Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Pa XXXX Phone : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX, GA XXXX XXXX : XXXX / XXXX XXXX XXXX / XXXX, TX XXXX To Whom it may concern, I've recently obtained a copy of my credit report From all three major Credit Bureaus ( XXXX, XXXX XXXX XXXX ) in an attempt to understand my credit report and increase my credit worthiness. In the process Ive noticed A few Accounts that are reporting inconsistent on all three credit bureaus. It is your duty to protect my consumer rights by ensuring all information is consistent and most importantly reporting accurately. The inaccurate accounts are as followed : Account Name : XXXX Account Number : XXXX Please investigate this account thoroughly to ensure all information is correct, if NOT please REMOVE this account from my credit report immediately. 

Account Name : XXXX XXXX XXXX Account XXXX Please investigate this account thoroughly to ensure all information is correct, if NOT please REMOVE this account from my credit report immediately. 

Account Name : AARGON AGNCY Account XXXX Please investigate this account thoroughly to ensure all information is correct, if NOT please REMOVE this account from my credit report immediately. 

I have attached a copy of my credit report from XXXX, XXXX and XXXX to provide proof of all inaccuracies. Please Send your response to my address listed above. Thank You! 

Signed : 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 2023-05-22 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: VA

Complaint narrative:
I have disputed with the agency multiple times most recently XX/XX/XXXX  regarding a Bankruptcy that has been reported to ask for it to be removed due to a letter received from the courts they do not report to the agencies. However, they have responded with this information remains but do not supply how they received the information or who provided it. Attached is a letter sent to the courts by me and their response. I am seeking this to be removed immediately as it is fraudulent that they are reporting it.

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 2023-05-22 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: SC

Complaint narrative:
The credit companies are reporting the same debt from 2 different companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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 received a copy of my credit report and found the following item ( s ) to be in violation of 15 USC 1681b ( 2 ). By provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my report. I am submitting this complaint on behalf of myself and there are no third parties involved. 

INQUIRY : XXXX XXXX  XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Unresolved Access Issues with Citibusiness Credit Card Account I am writing to express my deep concern and disappointment regarding the prolonged denial of access to my Citibusiness credit card online account. Regrettably, this issue persisted for over 30 days, rendering me unable to make timely online payments. 

Upon realizing the situation, I promptly contacted the customer service helpline in an attempt to rectify the problem. However, the representative I spoke with declined to process my payment and advised me to call back the following day. Subsequently, I followed their suggestion only to be instructed to call again on Monday. The frustrating cycle continued until I was eventually granted permission to make a payment on Monday. 

Additionally, I was informed that Citibusiness was undergoing a transition to another credit card, resulting in my inability to view my charges, access my account online, or make any payments. I must express my profound disappointment with this predicament, as I have yet to gain access to my account despite the considerable time that has passed. Such actions on the part of Citibusiness do not align with the standards I would expect from a valued business partner. 

It is essential for me to have access to accurate and up-to-date information regarding my account for financial planning and record-keeping purposes. 

Citibusiness did not take care of me, or my account. 

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