vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have sent several letters tp PRA and every time I get the same response. They say " the account number and proceeds were, assigned and transferred by the seller. '' First of, there shouldn't be anything to transfer! Second when I check the consumer complaint database it shows that out of XXXX there are XXXX matches total. It seems like this company is involved in scare tactics to try collect debts NOT owed. I also asked that they produce any thing with my signature showing that I and PRA ever had any business relationship, they never do or can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I had no problem today getting reports from XXXX or XXXX using XXXX. However, Equifax presents me with bogus questions to confirm my identity ( all were N/A ). This exact scenario played out in XX/XX/2020 -- Equifax was the only bureau presenting bogus security questions. I responded by requesting my Equifax report via mail and included the security questions with a full description of the online access issue. Nothing in the Equifax report I received was remotely similar to the security questions that lead to the denial in XXXX and there was no communication regarding my access issue. A quick web search revealed that I am not the only victim of Equifax 's " glitch ''. Is anything being done about Equifax denying people their own personal information, to which they are entitled by law? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Sent a debt validation letter to a company by the name of FirstPoint Coll Resources Inc Consumer Contact Center to the address listed on my XXXX credit report which was pulled XX/XX/2020. The letter was mailed certified on XX/XX/2020 by USPS. The tracking updated on XX/XX/2020 at XXXX XXXX Forward Expired XXXX, VA XXXX. " Your item was returned to the sender at XXXX XXXX on XX/XX/2020 in XXXX, VA XXXX because the forwarding order for this address is no longer valid. '' I have collection accounts showing on my XXXX that I never received letters about and I am unable to verify with the company because the address listed on my credit report is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal shut down my account and told me I could have my money back in 180 days. On XX/XX/2020 PayPal took the money out of my account and sent it to themselves. When I called on XX/XX/2020 I was told that I could not have my money. They would not tell me why they kept it even though I asked numerous times. I am owed {$820.00} by PayPal as the 180 day period is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a credit card in the mail today, XX/XX/2020, which I believe is fraudulent. It is a Visa card from U.S. Bank ReliaCard ( Introductory letter attached ). 
Neither my wife or I ordered this card, but we recently refinanced our home and believe someone may have accessed our information fraudulently. 

I attempted to contact US Bank at the telephone number and website they gave. The website located at : https : //www.usbankreliacard.com/web/usbankreliacard/login did not provide me any information about canceling a fraudulent card. Using the telephone number given on the card and introductory letter ( XXXX ), I was unable to address my concern. First, I was asked to provide information through AI about the account. When asked to provide my last 4-digits of my Social Security number, the account indicated that I need to be transferred to a customer service assistant. I provided information for both my wife and I without success. After being transferred, I waited on-hold for 20-minutes and was eventually kicked off the line. While waiting, I received several automated voices telling me they were extremely busy and thanked me for waiting. Eventually, a final automated voice told me that I could not take the survey because it was not available and then hung-up on me. I was not intending to take a survey, nor did I ask to be placed in the survey taking cue. 

I do not know how else to resolve this issue and would like to have a response from the company. It is very difficult to resolve my complaint when I can not contact a real-life customer service assistant.

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 2020-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
These are not my accounts. This is a second requests. Note that I am not a credit repair company nor mortgage company. Please remove these accounts from my credit profile. I am currently XXXX  in the U.S. Military. There are credit card laws that protect military members to those who are currently working overseas. Please remove any negative remarks from my credit reports.

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 2020-12-29 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: MT

Complaint narrative:
These are not my accounts. This is a second requests. Note that I am not a credit repair company nor mortgage company. Please remove these accounts from my credit profile. I am currently active in the U.S. Military. There are credit card laws that protect military members to those who are currently working overseas. Please remove any negative remarks from my credit reports.

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 2020-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I keep getting request 's to pay a bill from a debit collector for a Dental office in XXXX XXXX, TX that first does not exist, second I do not live in TX I live in MI, Third the address for the Dental office belongs to a different organization, I checked with my dental office which is the correct name only and I do not owe them anything in fact I have a credit pending also they do not use this company for debit collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/20 {$120.00} and change of due date without prior notification of change : Citi bank credit card continue harassing for payments by changing due date without prior notifications! I have not missed any payments or owe payments. Citi bank change due day of payments from XXXX each month to XXXX of month and they sent very confusing message day after due date. I do not comprehend why this people making psychologically burden on the payments. They put me in a stress really getting to bother my daily activities .To my understanding Only reason they changed due dates send me a notification day after due date in that they try to get extra fees which is illegal and psychologically stress me out! Only reason they send the notification is that they try to make legit of illegal changing dates. Everything is on attachments

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 2020-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Chrysler capital is stating that XXXX XXXX has a credit alert on my report and is showing the wrong phone number and they cant verify. I called XXXX XXXX and they said they dont have any inquires from Chrysler today on XX/XX/28 and that there is no credit alert

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: MT

Complaint narrative:
These are not my accounts. This is a second requests. Note that I am not a credit repair company nor mortgage company. Please remove these accounts from my credit profile. I am currently XXXX  in the U.S. Military. There are credit card laws that protect military members to those who are currently working XXXX. Please remove any negative remarks from my credit reports.

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 2020-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had my funds deposited from IL unemployment and Chime has locked my account! I went to pay for my daughters XXXX medication and I couldnt buy it due to them placing a hold on my card and Now she is out of medicine for the night and I hope she doesnt go into XXXX  XXXX  without it. They are now giving me ridiculous wait times to respond to my problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I had a late payment in XX/XX/2020 for the first time since being an account holder. 

I have had a great payment history aside from one missed payment a couple days past the deadline in XX/XX/2020. It honestly had nothing to do with any financial hardship. The truth is it totally slipped my mind due to the incoming pandemic and having two elderly parents and my girlfriend is a front line health care worker. It was a very stressful time for all Americans as we didn't know what was coming. 

It is in no way a coincidence that my only missed payment was in XX/XX/2020 with a previous stellar payment history before and after. The creditor actually removed it from XX/XX/XXXX after a dispute but has left it up on XX/XX/XXXX and XX/XX/XXXX. I just received another letter denying to take it down from other two credit bureaus. I wouldn't be surprised if they would rather place it back up on XX/XX/XXXX vs taking it down off the other two bureaus. I am really frustrated with the issues that I have had. I am not directing this at you personally but not ever being able to speak to anyone is beyond frustrating. 


I am willing to pay off the remainder of the lease or set my account to auto pay to have this removed. I have been nothing but a loyal customer and was planning on remaining so. Anything you can do to look into this matter would be greatly appreciated. I think loyalty should work both ways. I also think the worst pandemic in 100 years should hold some weight in this matter. 


I never asked for payment deferral or payment assistance. It was honestly just a complete oversight due to unforeseen stress and anxiety as it was for all Americans. Your time and consideration is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I would like to file a complaint regarding M & T Bank of XXXX Texas. they claim I had a lapse in insurance for the property we had a loan with, this is not the case. I have complete documentation that there was no lapse in insurance. M & T Bank withdrew {$230.00} out of my escrow account to buy a temporary policy without my permission or letting me know, I received no policy number or information about the temporary insurance. I have no proof that they bought this un-needed policy that I did not need because my policy did not lapse. The money in the escrow account belongs to me it is not a slush fund for them to remove money without my permission I consider that theft. I have called my insurance company they have assured me my policy never lapsed, my insurance faxed, emailed and texts my policy information to M & T Bank. M & T Bank did not care and was taking the money anyway. I believe they have sloppy book keeping and I think a full audit should be performed to protect customers. I am sure I am not the only one with an issue. Thankyou for you attention in this matter

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 2020-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: TN

Complaint narrative:
ID Theft Victim. See letter attached, and report. If not resolved, legal action will follow!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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 — Was not notified of investigation status or results
Company: Persolve, LLC - Legal - Series 2
State: IL

Complaint narrative:
On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were INNACCURATE. Under federal law, you have thirty ( 30 ) days to complete your investigation. It has been well over 45 days, almost 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/2020, Portfolio Recovery Associates, LLC add a derogatory mark on my credit report XXXX, XXXX, and XXXX, Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Portfolio Recovery Associates, LLC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My loan service company, NewRez, has not paid my property taxes from my escrow account and continues to ignore my inquiries about the same. Last year they paid the taxes on the same property on XX/XX/2019 so theres no excuse for not paying the taxes this year.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
ID Theft Victim. See letter attached, and report. If not resolved, legal action will follow!

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 2020-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MA

Complaint narrative:
On XX/XX/2020 I received a phone call from Credence Resource Management LLC, claiming I have a debt of {$3200.00} with them. I called my insurance company since it was from an ambulance service on XX/XX/2020. My insurance company said that it was grounds for an investigation because I had coverage from XXXX XXXX XXXX and XXXX for that date in question. This company, Credence Resource Management was very incisive and offering immediate plans to pay by credit card the supposed debt. I'm very surprised I didn't get any notifications from the ambulance company or my medical insurance. Today, I received a letter with the same information given above. I would like to know my right to appeal or how can I resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2020, my phone and computer were stolen. Somehow, the thieves broke through my passwords and accessed my Cash App and XXXX accounts. They drained my bank card for about {$10000.00}. I reported this to both agencies along with a list of the fraudulent transactions and the police report. XXXX replaced the stolen funds but Cash App is refusing. I am a furloughed worker due to Covid 19 with unemployment benefits and eviction protection running out. I wish so badly my phone and computer hadnt been stolen because this is literally ruining my life. Cash app has many many consumer complaints which they do not care about resolving. There is no way to speak with a live person. They are a rip off and should not be allowed to do business this way. I am happy to furnish any documents to you which I have already submitted to Cash App. I want my stolen funds refunded to me. This is so unfair. Please please help me. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
ChexSystem- I am a victim of identity theft, and request that you remove the information listed inside the ID Theft Report or proper legal action will follow.

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 2020-12-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a late payment in XX/XX/2020 for the first time since being an account holder. 

I have had a great payment history aside from one missed payment a couple days past the deadline in XXXX of 2020. It honestly had nothing to do with any financial hardship. The truth is it totally slipped my mind due to the incoming pandemic and having two elderly parents and my girlfriend is a front line health care worker. It was a very stressful time for all Americans as we didn't know what was coming. 

It is in no way a coincidence that my only missed payment was in XX/XX/2020 with a previous stellar payment history before and after. The creditor actually removed it from XX/XX/XXXXafter a dispute but has left it up on Experian and XX/XX/XXXX I just received another letter denying to take it down from other XX/XX/XXXXcredit bureaus. I wouldn't be surprised if they would rather place it back up on XX/XX/XXXX vs taking it down off the other two bureaus. I am really frustrated with the issues that I have had. I am not directing this at you personally but not ever being able to speak to anyone is beyond frustrating. 


I am willing to pay off the remainder of the lease or set my account to auto pay to have this removed. I have been nothing but a loyal customer and was planning on remaining so. Anything you can do to look into this matter would be greatly appreciated. I think loyalty should work both ways. I also think the worst pandemic in 100 years should hold some weight in this matter. 


I never asked for payment deferral or payment assistance. It was honestly just a complete oversight due to unforeseen stress and anxiety as it was for all Americans. Your time and consideration is sincerely appreciated.

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 2020-12-29 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: TN

Complaint narrative:
I am a victim of ID Theft. 

Please see the ID Theft Affidavit attached for the fraudulent account, and inquiries listed on my credit report. I've attached a scan of my ID front & back for purposes of verifying me. I've also attached a NOTICE TO FURNISHERS stating you guys must do your jobs and remove all of this information. 

FYI ; on some of the inquiries some of them appear more than once and I did my best to try and list them all correctly.

Company response to consumer: Closed with explanation