vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
o I am a member of SECU my name is XXXX XXXX. I have a concern with a change that has been made within the bank that is affect me personally. Something like the salary advance loan that you have, I use about 3 apps that use XXXX to connect banks in order for me to advance some funds until my next paycheck. With covid & with my children this helps me to a MAJOR extent so that my children and I are not without. I called to speak to someone about it & she was very nonchalant about the situation as if we are not in the middle of pandemic and peoples hours arent cut short, like we cant use all the help that we can get. Im sure I can not be the only member affected by this change. So now my next paycheck Im going to be losing about {$300.00} dollars that i wont be able to get back because of this XXXX policy. With this change are you all planning to help customer who experience a loss in situations or you all just dont care??? Im confused Ive always trusted a credit union no notice of this change or nothing so I couldve known not to advance. It is very much an inconvenience!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Upon review of my credit reports with XXXX, XXXX, and XXXX, I noticed an account that did not belong to me. I immediately disputed this account via USPS certified mail ( dated XX/XX/XXXX ) with the three credit bureaus. XXXX  deleted said account. XXXX  and XXXX  responded that the account was verified, but did not provide proof of how it was verified, or what was provided to them to verify the account. 

Portfolio Recovery Associates, LLC then contacted me via mail, claiming that they had completed their investigation and determined the debt to be valid, attaching only a letter written by the company they purchased the debt from ( XXXX XXXX  ), stating that they sold the referenced account to Portfolio Recovery Associates, LLC on XX/XX/XXXX. 

I responded to Portfolio Recovery Associates, LLC by USPS certified mail on XX/XX/XXXX, asking them to validate this debt with evidence bearing my signature, and they failed to do so. Their subsequent responses have only included the same letter referenced earlier. 

It seems that Portfolio Recovery Associates, LLC is attempting to commit fraud, because the date they purchased the debt is the same as the date opened listed on my credit report, which doesnt make any logical sense. 

It also seems they are trying to take advantage of consumers XXXX  of the law and their rights, by reporting debts to credit bureaus that they have no legal right to collect, let alone report. 

I have contacted my attorney, who has advised me to move forward with a lawsuit. This is my final attempt to resolve this matter with Portfolio Recovery Associates, LLC. If they do not request deletion of this account from my credit reports, and if they continue to pursue collection activity, we will have no other choice than to move forward with litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
The company name listed on my credit report is : The Bureaus Inc. the amount of the debt is {$2500.00}. I have no knowledge of this account nor have I received any notifications from The Bureaus Inc. regarding this alleged debt. My credit score is being negatively impacted due to this as I was denied credit today. I would like this matter investigated and resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This is not my debt and this company violated multiple consumer laws, including reporting an inaccurate debt and failing to respond to my timely debt validation request. I received a letter from Portfolio Recovery Associates claiming that I owe a debt associated with this account they claim is mine. In response, I promptly mailed PRA a letter requesting GAAP debt validation. I never received response from PRA in response to my GAAP request, nor did they respond to requests regarding other debts they claim I owe. In researching this company, it seems to be a common complaint that debt validation requests are not responded to. Despite not responding to my timely debt validation request, they continued to make collection efforts, including reporting this non-validated debt to all three credit bureaus, which they are not allowed to do without proper validation/response to my timely GAAP request. I recently disputed this with XXXX. I also disputed other debts that this company claims I owe. In response to 3 other disputes, I received credit card statements showing a completely different amount that did not at all validate or explain the amount they are reporting. In response to my dispute regarding this specific debt, PRA did not send me a single document to validate that I ever had this account, that it is my debt, or that the amount is accurate ; I did not receive a single item from PRA in response to this, other than a recent letter from them offering a settlement payoff that did not address the accuracy or validity of the debt or acknowledge that I disputed this debt. It is my belief that this is not my debt and that is perhaps why they did not attempt to respond with anything, I do not believe this is a valid debt. i do not have this account on my credit report, so I believe the original creditor also does not feel I owe this delinquent debt. It is my further understanding that both CFPB and the DFPI have investigated and filed lawsuits due to this company attempting to collect invalid, inaccurate debts, and sometimes fraudulent debts. To be clear, I am not acknowledging that this debt is mine, I am simply asking for assistance in getting this invalid inaccurate account removed from my credit report. The amount in question for this account per their debt collection letter attempt to me on XX/XX/21 is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
On XX/XX/2020 {$1900.00} was charged through 8 separate purchases to a merchant named 'Simply Surplus ' to my Goldman Sachs Apple Card . Upon receiving an unusual activity alert I immediately froze my account and called Apple Card. I never lost my card and the customer service representative told me it had probably been skimmed somewhere. They assured me that these charges were in fact fraudulent and that I would not need to pay anything. The customer service representative disputed each charge and said I would be receiving provisional credits. I never received provisional credits for the full amounts of these charges. They were either partial credits or none at all. I have called them every week as I have been going though this and have not gotten anyone to fix it. I recently called and they said one of the disputes had been sided in the merchants favor. The representative stated that this did not seem right as it was clearly fraud. Today there is still a balance of {$320.00} that is gaining interest every month. The 'overdue balance ' is having an extremely negative impact on my credit as it has dropped 200 points. I have called XXXX  to file a dispute with them to amend my credit report. 

Here are each of the separate transactions charged one after another. After I froze my card several move transactions were attempted under a different merchant name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We submitted a request to lock our mortgage rate on XX/XX/21. Our loan officer confirmed that she had received our request and was locking it immediately. I replied within the hour to thank her for doing so. After 6 days of not getting an update, I requested the rate lock in writing. Our loan officer told us that our rate was not locked. 

Loan Officer said she would find out what happened. After about a week our loan officer said there was some sort of tech issue with locking the rate on the website. A few days later she found the reason she could not lock our rate was because our credit report had expired. She said that tech support would not tell her the reason she was unable to lock our rate. We would have appreciated being alerted that our rate was not locked. We only found out because we inquired about our rate lock. 

Our loan officer says while she will try to get management to honor the original rate lock that it appears that it most likely won't happen. We locked it today at 3 % because we do not want it to continue to increase. We understand there is a high volume of loans to process. We do not understand why we should be penalized. Any help would be welcome. Thank you.

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 2021-03-05 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: AK

Complaint narrative:
I have submitted all the document to EQUIFAX that they requested, and I have also included them as attachments HERE MULTIPLE times regarding my bankruptcy case, showing that XXXX was listed in the bankruptcy, notified, and DISCHARGED. THAT MEANS that XXXX CAN NOT SELL A DEBT TO XXXX, so BOTH XXXX and XXXX need to come off my credit report immediately. 

I am ONCE AGAIN, attaching all the document HERE. These documents include a list of all the creditors who were listed and discharged. XXXX is on page XXXX and highlighted. This copy if STAMPED from the COURT. Also, is a COURT COPY of the DISCHARGE, showing ALL STUDENT LOANS were DISCHARGED. Also included is a copy of my Drivers license, a copy of a bank statement showing my address that matches, and the matrix from the court showing XXXX  was sent the paperwork FROM THE COURT, so they KNEW that 3 YEARS AGO, this was DISCHARGED. THEY DO NOT get to SELL this debt to someone else AFTER discharge to try and collect, so XXXX on my credit report NEVER should have been listed. I am TIRED of credit reporting agencies 'investigating '' and listing it as " ACCURATE ''. It so NOT accurate and here all the DOCUMENTATION to PROVE IT!!!! THIS should be MORE THAN ENOUGH to ONCE AGAIN show that these companies are breaking EVERY FAIR CREDIT REPORT ACT law, not to mention the PROTECTION that was GIVEN TO ME by the UNITED STATES BANKRUPTCY COURT when the CHAPTER XXXX Bankruptcy was discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: CA

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: AL

Complaint narrative:
MIDWEST RECOVERY SYSTEMS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo. 
XXXX XXXX # XXXX, has been sending me letters about an old accoun that they're stating is past due. I have never did business with this company period. This old account was paid off by myself by a pay day loan company called XXXX XXXX XXXX  of XXXX Alabama, over 5 years ago and it was fully paid off. But at some point my name and account was SOLD to MIDWEST RECOVERY SYSTEMS LLC, and It should not have been sold at all because my loan was paid in full to the manager at that time, XXXX. I remember the person so well because she called corporate she said, and asked if they would accept a settlement pay off since I had paid on the original {$300.00} loan for over a year and one half. XXXX advised me that corporate approved a certain amount for me to pay, and I paid it that day. I never applied again for another loan from XXXX XXXX XXXX So, I do NOT OWE MIDWEST RECOVERY SYSTEMS ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: FL

Complaint narrative:
i have submitted the dispute documents but still no answer from the credit companies

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 2021-03-05 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: FL

Complaint narrative:
i have submitted the dispute documents but still no answer from the credit companies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I wrote XXXX XXXXXXXX XXXX XXXXXXXX or at least attempted to via mail. Unfortunately, the letter was returned to me. This address was listed as their contact information on my credit report. So I flied a complaint as I'm trying to resolve the issue. On XX/XX/XXXX they responded back saying that letter was sent to their Virginia Office which has been closed for serval years and the credit reporting agency should not be reporting that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: MO

Complaint narrative:
I submitted a dispute to Transunion to remove an inaccurate bankruptcy reported by a third-party company and they failed to do so.

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 2021-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHECK INTO CASH INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX # XXXX, has been sending me letters about an old accoun that they're stating is past due. I have never did business with this company period. This old account was paid off by myself by a pay day loan company called CHECK INTO CASH of XXXX Alabama, over 5 years ago and it was fully paid off. But at some point my name and account was SOLD to XXXX XXXX XXXX XXXX, and It should not have been sold at all because my loan was paid in full to the manager at that time, XXXX. I remember the person so well because she called corporate she said, and asked if they would accept a settlement pay off since I had paid on the original {$300.00} loan for over a year and one half. XXXX advised me that corporate approved a certain amount for me to pay, and I paid it that day. I never applied again for another loan from CHECK INTO CASH. So, I do NOT OWE XXXX XXXX XXXX ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Asset Recovery Solutions, LLC
State: AZ

Complaint narrative:
The original creditor XXXX XXXX was notified that the credit card was opened fraudulently. I have tried to resolve the issue for 2 years now. I have filled out the paperwork the bank sent stating charges were fraudulent. I had the credit bureau Freeze my reports do to this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$25000.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$24000.00}. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$6000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX/XXXX, XXXX/XXXX  XXXX, and Bank of America. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$25000.00}. The Account Opened is XXXX/XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$24000.00}. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$6000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
XX/XX/2020 I was notified by Paypal that my account of 19 years was being permanently canceled due to my having used, fraudulent or stolen information when I opened my account. As I had had my account for nearly 20 years it seemed to me that there was an error that needed correcting. I contacted them by telephone that same day and was told that an appeal would be opened and that I could xpect to hear vrom them within three days. Having not heard back from them by Wednesday, XX/XX/XXXX I called again and was informed that the person with whom I first spoke was in error and that no appeal was possible. I have a cash balance of {$60.00} that they have impounded for a period of 180 days. I stated that I did not agree to that length as appropriate but the Paypal representative with whom I was speaking said it was in the user agreement. 

My position is that I have not violated the user agreement and they have not offered any proof that I have or even said specifically what the stolen or fraudulent information thay accused me of providing was. To accuse someone of providing stolen or fraudulent information is a serious charge. It needs to be backed up with facts and the person accused should have the opportunity to present any information that would be exculpatory. To make a blind accusation and use it as a predicate for impounding funds in their care is a dangerous prerogative they are assuming unto themselves. 

There is also the humiliation of being treated as a criminal after so long an association and to have scheduled payments suddenly not being met is deeply embarrassing. 
I believe I am entitled to a hearing to show that I have not acted in a manner as accused and that my account should be restored and their practice of arbitrary decision taking needs to provide for dialog in matters of disputes.

Company response to consumer: Closed with non-monetary relief