vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hello Portfolio Recovery Associates, and how are you? 

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
XX/XX/2022, I made a payment to XXXX XXXX Tax, and the payment was rejected by Golden 1 credit union I had over {$4300.00}, in the bank which is why I was making the payment. Well, the bank rejected the payment and I received a notice days later from XXXX XXXX XXXX Collector. I contacted Golden 1 credit union and they told me that it should have cleared but don't worry the Tax Collector will put the payment through again. A got a letter in the mail that said I now owe an additional {$53.00} for the return payment. So I call Golden 1 and did as instructed and I am still frightening them today. I am out of my {$2100.00} and {$53.00} fee due to XXXX XXXX XXXX Collector. 

What I want : The Golden 1 currently owe me a {$53.00} fee for the return payment and {$2100.00} for the tax payment sent to XXXX XXXX XXXX. Golden 1 currently has my {$2100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Siggi LLC
State: NC

Complaint narrative:
In the Matter of CFPB v. Omni Financial of Nevada XXXX Inc., also doing business as Omni Financial and Omni Military Loans File No. XXXX Dear CFPB, I am sending you this letter/email to see if I qualified for the lawsuit that was filed against Omni Financial. I have gotten multiple loans from them between the years of XXXX and XXXX. My customer number for them is XXXX. If I was eligible for the refund the address is incorrect. I was XXXX and had to change addresses. My old address was XXXX XXXX XXXX XXXX XXXX nc XXXX. My new address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX. If the check was sent to the previous address I can not obtain the check. My name is XXXX XXXX XXXX. XXXX In the United States XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FCC Finance, LLC
State: GA

Complaint narrative:
I had an account with XXXX XXXX which I paid faithfully. When I was preparing to move, I reached out to XXXX to give them my new address. By that time, they had gone out of business, so I could not contact them. A company named FCC Finance shows up on my credit report a few years later and claims that they have the XXXX XXXX debt. They never sent the information to my address. 

I have requested validation, as permitted by law, such as amount owed, last payment received, when the debt was supposedly transferred. I do not owe a debt to this company. I sent them a letter asking them to verify the debt. They DO NOT EVEN READ THE LETTERS! They just send back a letter saying it's verified. There's no way it can be verified because the original company is out of business. They are reporting me as120+ days late for more than two years! This is wrecking my credit score. All of my other accounts are current and this is affecting my ability to get a mortgage and I have been denied for credit several times recently. 

I sent them a certified letter requesting the validation. I waited 60 days to hear back and got no response. At this point, the debt should have been removed from my credit profile. About 75 days later, they responded with the same standard letter saying the debt was valid. They are not adhering to the law and it is having an adverse effect on my personal credit profile. 

I need to see when they supposedly took over, how much I owed at that point, how payments were applied to my balance. The information they are reporting has to be incorrect because it can not be verified. I am suffering irreparable harm from this inaccurate reporting. I have reach out to them several times and it seems like they ignore my request and just send the standard form letter verifying the debt. 

Also, XXXX has not been any help. I tried to get their assistance and they sent back a form letter saying they didn't know " the nature of my request or that my request was illegible. '' This is because they use a computer to review the information. The letter was typed and we certainly legible. I need a human to read the letter to see the nature of what I am requesting and remove the negative information. 

I implore you to advocate on my behalf to get the negative information removed from my profile so I can move on with my life. I have a history of good paying accounts and I am trying to launch a business during an uncertain economy. I need to have my personal credit in good shape and this unfortunate discrepancy is making that very difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XXXX XXXX 2022 Portfolio Recover called my XXXX XXXX XXXX sisters phone twice while she was in school. I called back to inform them that it was a number belonging to a minor and that they need to put her number on a do not call list. The representative was very rude and uncooperative and tried to get my information instead of apologize and correct the issue. They also frequently called from fake numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION
State: IN

Complaint narrative:
I paid alliant credit Union {$600.00} on the XXXX of XXXX, they denied the process was not a bank issue my payment was due on the XXXX which they did not accept on the XXXX and now they hit me for a 30-day late charge and 30-day credit hit. I have plenty of money in my bank account but yet they're the ones that denied the {$600.00} my phone number is XXXX I also have documentation of the payment date and the refusal email on the payment which was dated for after the payment date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I bought a ticket with a no change fee leg that would occur on XX/XX/2022. The airline company violated this contract ( See Ticket Conditions in attached pdf with XXXX in filename ) and charged a change fee. I have also submitted a DoT complaint ( Case # XXXX ) in reference to this as well but was hoping to more quickly end this through a credit card dispute. I was able to make a dispute through chase but was asked to provide documentation by a letter through their system in the letter ( which I am attaching ( FebChase.pdf ) ). The key phrase being " : Here 's how you can send the requested information '' " Send us a secure message at Chase.com '' So I proceeded to send documentation through the secure message system as I was informed through Chase 's letter that I would be able to. 


I further sent more documentation in mid XXXX along with a comment that requested to know if the dispute department had received said documentation and a comment that the dispute had been misclassified as well. In the response ( which I will attach ( Secure Messages - chase.com_MidFeb.pdf ) ) I received a the following comment that specifically told me not to follow up further as it would cause a delay. 


" Dear Valued Customer, Thank you for asking about your credit card account. We will review it carefully and reach out as soon as we can. Due to an increase in volume, you can expect a delayed response of a week or more. Please don't resend a request because it could further delay our response. " So I didnt send more information as the notice said I would only further delay a response. So today XX/XX/XXXX I received a letter that my dispute was completed due to my never having sent documentation which I did ( I am attaching the secure messages confirming the sent documents along with the documents themselves ). 


If Secure Messages isnt a valid way to send documentation then the official letters from Chase should not list them as a valid way because otherwise is basically telling consumers to put important documents for their dispute in basically a trash bin. 

If possible, also please do not send responses in emails that look like phishing emails with attachments and use your Secure Messages system to send " Secure Messages ''?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hello DSNB MACYS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2022-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hello DSNB MACYS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2022-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
HELLO TARGET/TD ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC
State: FL

Complaint narrative:
Debt collector is hassar ring me and have not answered the following information I have provided, according to the law. Please have Jefferson Capital System either provide physically proof or stop hassar ring me and I'm seeking remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: NY

Complaint narrative:
As per the XXXX limited waiver as of XX/XX/2021, Ive applied to consolidate my student loans, which include both direct loans and not direct loans. The language of the waiver states that with consolidation, the repayment clock will not be set back at zero. However, in my initial letter received from Fedloan servicing, it says Remember, you will need to make another XXXX qualifying payments on your new Consolidation Loan. I asked for clarifying about this via email but have not received a response, other than another letter reminding me that I have 10 days to cancel my consolidation. I am petrified that I will lose credit for my XXXX out of XXXX payments if this is the case. There is clear discrepancy between the XXXX language and that of Fedloan servicing, and it may cost me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The date charge off in the letter is wrong. The amount is wrong also. 

The lady in the charge department gave me the wrong fax number to removed off the late payments on the acct. 

No email was received for that account at XXXX cause thee police contacted XXXX  cause my emails was going somewhere else because of XXXX Security breach. 


I would like a chance to settle this account. Also, if you sent something by mail would been forward to me at the new address.

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 2022-03-04 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: TX

Complaint narrative:
XXXX sent me a letter around fall in 2021 stating that one of my student loans had been cancelled out. FedLoan took over the loan servicing from XXXX, FedLoan has not made adjustments to the amount owed on my federal loans.

Company response to consumer: Closed with explanation