vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SRA Associates, Inc.
State: NC

Complaint narrative:
In a letter to XXXX XXXX XXXX, dated XX/XX/2019, I specifically requested proof of the alleged debt and the complete account history for the derogatory information this company is currently reporting to the credit bureaus. XXXX XXXX XXXX failed to provide me with the information I requested. Instead, I received an offer for settlement from SRA Associates LLC. Secondly, I specifically requested a contract or other instrument bearing my signature proving I was legally obligated to pay this debt and that it was my account. The company failed to provide this information as well. Without a signed contract or other instrument bearing my signature that created this debt, the company failed to provide me with proof that I am legal owner of this debt. Thirdly, your company failed to provide proof that it is a legal business, authorized to do business in the State of North Carolina. I am submitting this complaint because I am concerned that both businesses, XXXX XXXX XXXX and SRA Associates LLC are in violation of the FRCA by reporting inaccurate information to the credit bureaus and are engaging in fraudulent debt collection practices. Under 812 of the FCRA, furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe both companies are engaging in deceptive practices because both companies are attempting to collect the same alleged debt. In addition, neither company has provided me with proof or verification of the debt. According to 1692e, [ a ] debt collector may not use any false, deceptive, or misleading representation or means in connection with collection of any debt. 

This company is engaging in unfair and potentially fraudulent debt collection practices, and company has failed to provide me with proof that I have a legal obligation to pay their company. I am filing this complaint as a last ditch effort to resolve this issue before I pursue litigation in accordance with the FCRA, as I will be enforced to seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617, due to the company 's willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had lined up a purchase through XXXX to purchase concert tickets. The individual wanted me to send money through XXXX, which I did through my Wells Fargo app. Upon completion of transferring the {$250.00} for the tickets, the individual stopped answering my texts. I called XXXX and spoke to them about my situation. They were not helpful and seemed to not be willing to help me since I went through 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 2019-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a credit card at CHASE and a hard inquiry was performed on XX/XX/2018. They wanted some more information and sent me a letter in the mail to an address different from the one I was living at. By the time I got home weeks later, the deadline to submit the information asked in the letter had passed. The hard inquiry is still on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a bankruptcy reporting on my credit reports along with several accounts that are related to that bankruptcy. I have made many attempts to get these errors corrected. I have also made many trips to the courthouses in my area in an attempt to locate the bankruptcy that is on my credit report. My search has not resulted in any public records that are in my name with my social security. My hopes is that XXXX XXXX can aid me in initiating a thorough investigation by the credit bureaus and the removal of the bankruptcy. I have attached the bankruptcy, inquiries and related accounts to the public record.

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 2019-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a bankruptcy reporting on my credit reports along with several accounts that are related to that bankruptcy. I have made many attempts to get these errors corrected. I have also made many trips to the courthouses in my area in an attempt to locate the bankruptcy that is on my credit report. My search has not resulted in any public records that are in my name with my social security. My hopes is that Consumer Finance can aid me in initiating a thorough investigation by the credit bureaus and the removal of the bankruptcy. I have attached the bankruptcy, inquiries and related accounts to the public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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: GA

Complaint narrative:
I went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. There are items on my credit that are not mine.I have reached out to the FTC and my local police. Please have these items removed from my credit report XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX. I'm doing this own my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is the mortgagee and mortgage servicer of a deed of trust executed on XX/XX/XXXX granting a lien against my property located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( known as XXXX XXXX, TX ). Legal description -- Lots Number XXXX and XXXX ( XXXX & XXXX ), of Replat No. XXXX of XXXX XXXX, a subdivision in XXXX County. 

The amount financed was {$160000.00}. I am requesting that Wells Fargo provide a detail statement of all payments received during the life of the loan. Loan Number XXXX. I want to see payments and how they contributed to the reduction of the principal balance. 

Wells Fargo transferred the loan to XXXX XXXX XXXX without showing all payments applied. As a result XXXX XXXX XXXX initiated a foreclosure sale on XX/XX/XXXX. Please have Wells Fargo show the principal balance at the time they transferred the loan to XXXX XXXX XXXX. The current principal balance with XXXX XXXX XXXX is showing {$160000.00}. From XX/XX/XXXX up until now that means I have paid only {$3800.00} on a loan I have had eighteen years. 

What kind of loan is this? Interest only? 

During the hardship of Hurricane IKE the government had declared this property a natural disaster. Did Wells Fargo follow all the guidelines for Storm Victims. 

As of now Wells Fargo says the property does not belong to me but I have to pay all the bills ... I am the named Buyer/Borrower but the named owner is someone else.

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 2019-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NY

Complaint narrative:
I have a deferment letter clearly stating that my loans ere in deferment, yet all my credit reports show XX/XX/2018 as late and the deferment letter received shows in Deferment for XX/XX/2018. I have tried disputing, I have tried contacting company, got no assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Gerald E Moore & Associates, PC
State: IN

Complaint narrative:
I moved into a house with my wife XX/XX/XXXX. On XX/XX/XXXX I received a letter stating I owed {$620.00} to my old apartment complex XXXX  XXXX  XXXX  Apartments. This letter was sent from a debt collector. The letter from the debt collector did not indicate what it was for. Having no idea what this collection was for, I called my old apartment complex to figure why I owed them money. I logged onto XXXX to look at the account. I noticed it had been open since XX/XX/XXXX. It's been 7 months since this account has been open and this is the first time I am receiving any notice about it. 

I have changed my phone number and address since I first left, so I'm sure it took awhile for the company to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Both my mother 's and my Paypal funds were put on limitation on XX/XX/19 and we were given no reason why and were told that these funds ( our money ) would be held for 180 days/6 months. Twice, I have spoken on the phone to 2 different Paypal supervisors and got nowhere with either supervisor in getting my mother 's or my money released to us. I advised the supervisors that this is illegal to hold our money. There are laws against Paypal, Inc.doing this - Money Transmission Act, Section 184.1 states that funds can not be held for longer than 10 days. My mother is not only a widow for 15 years, but is also a XXXX senior citizen and living on Social Security, which is her only income. She and I need the money Paypal is holding to help pay our bills. Even though we would never deal with Paypal again - all we are requesting is that Paypal , Inc . release our money that they are holding for six months. I also filed a complaint with the XXXX XXXX XXXX about this. 
Thank you for your anticipated assistance in resolving our problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I have help to write this letter for help. I am currently on XXXX I started drawing this in 2010. I was referred by XXXX worker to Legal aid to assist me with getting XXXX because I was struggling in the program tanf. I tested in the program with XXXX program and my results were very low and under testing requirements low math scores and cognitive scores showing I had scored low intellect scores in many areas. I struggled all through school I graduated but I'm sure they just passed me through. so I eventually tried the 2 year college I scored low but financial aid obviously pushed loans that I never understood the whole process of even where to get my books. so I never completed to gain credits. How could they allow me to enroll and receive fincial aid knowing i couldnt complete. when I clearly struggled to even find the classes. even in school I was not offered special classes when I showed failing always. XXXX sent me to test in many areas and I was shocked when an advisor give me my results basically I had many learning problems. I started Adult ATTN ( ADD ) medication as an adult it helped but I developed insecurities over the years from losing employment I still feel humiliated from so many comments on my ATTN issues math XXXX and on how it takes too long for me to learn tasks. I'm now responsible for these loans that I never gained a degree for with so many attempts to try again to fail ..I wish someone could have not allowed this financial hardship and prevented such a waist of funding with out special placement of some kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Rosebud Economic Development Corporation
State: MO

Complaint narrative:
I have email confirming that {$130.00} taken out on XX/XX/XXXX will close the loan as paid in full however they took out another {$130.00} on XX/XX/XXXX on top of the one on XX/XX/XXXX which caused my account to me overdrawn.

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 2019-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a deferment letter clearly stating that my loans ere in deferment, yet all my credit reports show XX/XX/2018 as late and the deferment letter received shows in Deferment for XX/XX/2018. I have tried disputing, I have tried contacting company, got no assistance.

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 2019-05-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I submitted the exact same disputes to all 3 credit bureaus on XX/XX/2019. XXXX   and XXXX received, processed and gave me results within 30 days. Equifax received my dispute on XX/XX/XXXX and then didn't process it until XXXX XXXX which is when they started their 30 day window. When questioned they stated that it due to their internal mail handling practices and processing time for the documents I provided. They suggested if I submitted it electronically it would have taken less time, except their site is unreliable and I was unable to do so. 

I understand they rules to be that they have 30 days of receipt to do their investigation, This company added 12 extra days based on their own internal process which is unfair to consumers. Please hold them accountable for this, Equifax has a history of not being consumer focused and this is simply another example.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/XXXX paypal.com limited my account accusing us of taking cash advances on credit cards. I called and explained we transfer cash to cash debit cards and have never taken a cash advance. Result : limitation was lifted XX/XX/XXXX paypal.com limited my account again stating they needed more detailed information on my selling practices, verification of my billing address, supplier information/invoices and proof of shipping product to a handful of clients they listed. I provided this information. 

XX/XX/XXXX paypal.com contacted me to review my business practices. The agent was confused how we could sell at a lower price than our invoices indicated. I informed the agent that we purchase gift cards at a discount and fill orders. It's a simple business model, legal, above board. Agent put me on hold for over 15 minutes and I had to drop due to another call. 

XX/XX/XXXX paypal.com sent me an email stating my account was permanently closed and my {$6800.00} balance would be held for 180 days. 

I've been selling online for years using paypal. I've very rarely experienced any issues, just periodic returns like any retailer. I've never had a chargeback. I run a legitimate business and paypal is targeting/harassing me. 

I called paypal.com back this XX/XX/XXXX and was told that if I changed my business practices ( not buying gift cards and adding prepaid debit cards to paypal ) that I might be reinstated. They have yet to reinstate anything. 

I kindly ask for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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 am writing to dispute a fraudulent charge on my account of {$7500.00}, {$1500.00}, {$7900.00}, {$9000.00}, {$2200.00}, {$7900.00}. 
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 Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 





I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Police Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04 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: MS

Complaint narrative:
ON XX/XX/2019 I Submitted a file and reporting Identity theft to the Equifax Bureau, and ask that they would block information. In letter I ask to verify any information according to 609 of fair credit reporting act. that state that before they can place anything on my credit report they needed original doc 's with my signature. They just sent letter that said it was verified. I'm asking that they comply and show my handwritten signature on all documents they verified or they need to remove all items from my report because it hindering me from get approved for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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: TX

Complaint narrative:
I just recently checked my credit scores and noticed some hard inquiries I dont recognize all the companies are in the attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC
State: MI

Complaint narrative:
I received a letter on XX/XX/207 notifying me of potential wage garnishment due to a missed payment. The notice stated I had 20 days to communicate with Americash to discuss my options and that wage garnishment is not required. However, the notice was also sent to my companies HR department the same day, XX/XX/2017 allowing me no opportunity to discuss my options before contacting my company. My HR department immediately put the wage garnishment into effect ( my payday was a few days later and it was already reduced ). I was embarrassed since the letters were received at the same time causing me to be completely blindsided. I was given no chance to discuss my options and had no control over my own finances. Not to mention the reduction in my pay caused me to miss my rent payment and lead to other issues.

Company response to consumer: Closed with explanation