vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Automated message saying " any information will be used for this purpose ''. 

Message is cut off, not clear, no information is provided on who they are trying to contact, reference, account number, etc. 

The phone number they call from does not match their business number. 

Do not have any outstanding debts with Argon Collection Agency. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX XXXX : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank Of America Acct # XXXX In XXXX of XXXX I did an EFT from my savings acct at XXXX to my mortgage loan at Bank Of America. The representative for BOA credited my mortgage loan XXXX but did not debit my account at XXXX {$120000.00}. In XXXX, I then received a payoff in the mail from BOA in the amount of {$150000.00}, on XX/XX/XXXX I made that payoff of {$150000.00} and received A CONGRATULATORY LETTER and my note stamped PAID IN FULL. 
In XXXX of XXXX, I got a nasty letter from BOA demanding {$120000.00} within 48 hours or my loan would be reinstated. I was unable to come up with {$12000.00}. Shortly thereafter, I received another letter from BOA stating my loan had be reinstated and the new balance was {$130000.00} with an interest payment of {$430.00} and principle payment of {$1100.00}. 
I had missed 7 payments due to Bank Of Americas error. If my interest charged with each payment is {$430.00} x 7 ( months ) = {$3000.00}, BOA had charged me {$10000.00} in interest!!! Which means they charged me {$1500.00} per month in interest vs {$430.00} BOA overcharged me {$7800.00} in interest

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 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services
State: TX

Complaint narrative:
I request to obtain all the information about me in the files of a consumer reporting agency ( XXXX XXXX " file disclosure '' ). You will be required to provide proper identification, which may include XXXX XXXX ID AND signature as a contract shows .if not your subject to law suit ..if you can't provide the proper documents to verify the debt. then it must be removed a person has taken adverse action against you because of information in your credit report ; Account number Seq Fin Svcs Opened XX/XX/2019 {$610.00} Original creditor : XXXX XXXX XXXX Seq Fin Svcs Opened XX/XX/2019 {$4700.00} Original creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/2021, I received a letter from XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX claiming that I owed {$990.00} in unpaid debt because a person named XXXX XXXX residing at XXXX XXXX XXXX, XXXX, MA XXXX failed to pay Staples  with a Citibank N.A. credit card. 

I responded in writing with a certified letter that I am not this person, have never lived at said address and never had a Citibank credit card or had an account with Staples. 

XXXX XXXX XXXX wants me to sign a document notarized indicating that this is fraud. They must determine fraud not me. My letter to them states as much. See letter attached. XXXX XXXX continues to send me demands for proof.

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 2021-04-12 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: CURO Intermediate Holdings
State: TN

Complaint narrative:
This is in response with your recent claim that I owed you. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to placed it for a collection with profit loss write off. 
Should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful noncompliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result lawsuit against your company. FDCPA Section 807 ( 8 ) If you can not validate the debt it gives valid reason to remove and delete it from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
Had a credit alert for a collections account added to my report. Upon investigation, I contacted SAVIT COLLECTION AGENCY and they told me it was debt for a medical bill that I owed due to having no insurance. I explained 1 ) that I have never had a lapse in insurance and 2 ) that I have never received a bill. The original and subsequent debtors had the wrong address. I corrected the representative I spoke with and he sent me the bill totaling {$520.00} for XXXX XXXX XXXX XXXX XXXX ) for an initial consultation at XXXX XXXX XXXX ( part of XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX ). I called upon receipt and was told again that I did not have medical insurance at the time. Being that I spent the night in the hospital and XXXX/XXXX  paid over $ XXXX to said hospital, it is quite clear that this provider, XXXX XXXX, never submitted the claim to insurance which they are liable for. I would like the bill expunged immediately from my credit report and an explanation as to the unethical practices by which both SAVIT and XXXX XXXX XXXX practice. This is unacceptable on all fronts.

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 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
on XXXX my account had a balance of XXXX - which i made a deposit of XXXX on XXXX and after fees/ charges ( XXXX, XXXX, XXXX ) were taken out .. i was left with XXXX as of XXXX posting date - as of XXXX i had a balance of XXXX and from my understanding that is my available " posted balance ''. so i made other payments and so forth - and on XXXX i was given a " temporary credit '' of XXXX ( which was already paid for by me from my deposit made on XXXX ) so i am not sure why this " temp credit " was given since i paid /took care of it on XXXX w. my deposit ). thats my first concern - i did not ask for temp credit, why would i if it was taken care of by my deposit. - fast forward to XXXX i turned off my debit card and canceled my ahc payments from my providers i use. and on XXXX forward i got a total of XXXX nsf fees on my account. brining my total negative on my account to XXXX ... on XXXX i called and spoke with XXXX in the overdraft team. she transferred me to XXXX with escalation team and she transferred me to XXXX w. advocacy group. they opened up a case to see if all the overdraft charges could be removed - because my card was turned off. and my accounts for ahc were turned off. - no one could assit. well around XXXX XXXX recieve an email stating they are going to reverse the credit that was given to me on XXXX and it will cause my account to be more negative. XXXX of all i did not ask for a credit. XXXX of all i am asking for help to bring my account in good standing and no one seems they can help. i have been with them for XXXX + years and still no help - i need to show how wells fargo really works ... .. there posting dates for transactions take forever and now i am paying the consequences..

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 monetary relief
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SoFi Mortgage, LLC
State: NV

Complaint narrative:
I applied last XX/XX/XXXX to refinance to take advantage of low interest rate. I file the application online. The loan officer ask for some documents needed and I submitted it. They even said that we will be closing the loan on XX/XX/XXXX. I keep on waiting and I didn't hear anything from them. So I called the loan officer to follow up and told me that it is forwarded to Underwriting. I waited again and never heard of any updates. So I called the loan officer again to follow up. Then all I know they pass me over to another person then e-mailed me to introduce themselves and asking documents that I already sent. XXXX comes and I am expecting for the signing to close of the loan. They hand me over to another person and asking same documents that I already submitted and telling me that we close the loan on XX/XX/XXXX or sooner. XX/XX/XXXX came and pass me over to another person and asking some documents again and I really XXXX and told her why keep on asking same documents which I already submitted from the very beginning of my application. She told me that it already expired. Of course it expired because the process was moving like a turtle. So I submitted again documents she's asking and told me that we'll signing the documents for the closing. It is recorded. The schedule of the Notary to come over to my house is XXXX XXXX  pacific time today XX/XX/XXXX. Now it's XXXX and nobody showed up. 
Hoping for your kind consideration cause I am so frustrated with this XXXX XXXX. I've been buying homes and doing refinancing and never in my experience this kind of situations. 
Thanks

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 2021-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
The afternoon of XX/XX/2021 Chime decided to close all my accounts ( credit, checking and savings ) out of the blue without any information or explanation. I was a Chime account holder for over a year without any issues, and they refuse to help me or answer any of my questions after numerous attempts to contact them through their email ( the phone number will not work for non-account holders ). My financial support system was just completely erased and Im getting the proverbial middle-finger from Chime. After searching online, Ive noticed this exact thing has happened to MANY other people. This unacceptable and will not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: NY

Complaint narrative:
I closed our spectrum/charter cable account and was told a corrected bill would be sent to me after they credited our returned equipment and i could not pay the current balance until a corrected bill was sent. The cable company sent our corrected bill to the wrong address eventhough they had my correct billing address. They sent one bill to the wrong address and then sent it to collections for {$220.00} even though their automated system still said we had a zero balance. The cable company stated we owed {$1.00} on a separate account and sent it to collections for {$1.00} dollar. Ive sent a letter to the credit bureaus and 2 bureaus removed but equifax would not respond for over 90 days, they wouldnt remove as required and then said it was a valid account eventhough the company violated collection laws and guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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:
There is a Wells Fargo account reporting on XXXX  that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with Wells Fargo and XXXX  and they have failed to remove it from my credit report.

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 2021-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent an investigation request to TransUnion because the XXXX ACCOUNT is reporting inaccurately. I've sent over 5 letters and haven't received a response or proof that an investigation was conducted. I'm looking to refinance my home soon and this inaccurate information is hurting my credit.

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 2021-04-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had a fraudulent inquiry made on my account and transunion informed my via the specialist department, that I can not request a removal. This is a complete violation of my rights as a consumer and also a double standard. The transunion states if you find an inquiry that is inaccurate you can dispute or or if it is the result of fraud. However, I am NOT even able to access my OWN credit report via the transunion site. For the past 7 months i have had to PAY another company to get my credit report online becuase i cant even get my credit report from transunion via annual credit report or transunions own website. 

I informed Transunion of this issue and nothing has been done. 

I disputed the following inquiries that were not authorized by me : XXXX XXXX. ( I didnt authorize this ) LENDING Club - ( website says soft inquiry only ) I have requested online access to my credit report and have not been successful on Transunions website.

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 2021-04-12 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: PA

Complaint narrative:
I recently challenged the validity of XXXX XXXX  # XXXX {$2800.00} XXXX now {$2900.00} XXXX XXXX XXXX XXXX XXXX  {$440.00} # XXXX. Upon challenging this, XXXX  credit bureau deleted the accounts based on lack of the ability to properly verify all reported information being accurate. I noticed as a resulting of challenging the accounts with XXXX  credit bureau the agency verified the same accounts. We agree XXXX is in violation of FCRA and my consumer rights is XXXX per violation. 
We also agree with the cogent observation by the fifth circuit that the plain language of the statute places the burden of re- investigation on the consumer reporting agency. See XXXX, 987 F.2d at293. the FCRA evinces congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the Collection and dissemination of credit information. the " grave responsibility, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

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 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
Beginning XX/XX/XXXX, I contacted Professional Debt Mediation Incorporated about a debt that was being negatively reported on my credit report. The debt was a mistake and I was given a letter from the property manager Office XXXX XXXX that stated I don't have a balance with their company and that I have a {$0.00} balance with them. The letter included the letterhead and well as a signature from the owners and contact information to contact them. I never received a response in XXXX. I once again contacted them on today XX/XX/XXXX and once again I sent in the information to them someone where I had sent in previous correspondence to them as well as the letters originally received from the property management office. Once I spoke with them to ensure they received documents I was over talked by an employee as I was trying to explain my situation. He pushy and rude and kept trying to collect an old debt that was out of the statue of limitations and has already been dropped legally from my credit report over 3 years ago.. I asked for a copy of my file that's when the manager was put on the phone. The manager then told me to email the information and documents that I have over once again to another party of their company. I feel that I have been treated unfairly because I don't owe this debt and I have provided proof numerous times providing proof that I don't owe this. This has made it difficult for me to find a place of residence for me and my daughter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I got a secured credit card through XXXX XXXX in XXXXI used it once, and was told by XXXX XXXX my score dropped XXXX points.I immediately called XXXX XXXX to cancel my card.The representative I spoke to told me I didn't owe any additional amounts, it was a secured card.A few months later, A default with XXXX XXXX appeared on my credit.I called XXXX XXXX, and was told my debit ( That I had no idea existed ) had been transferred.I have tried to dispute this debt repeatedly, just to receive letters stating I owe the debit, with no breakdown of the supposed debit, and letterheads from XXXX XXXX that have different dates.According to Portfolio Recovery, I was sent a letter in XXXX of 2019 from XXXX XXXX.I never received this letter.The letter I have received from Portfolio Recovery states " on or about XX/XX/2019 '' Is when my credit card debit was acquired.This is written on a XXXX XXXX letterhead.Obviously this is not from XXXX XXXXThese people buy debit for pennies on the dollar, lie, intimidate and cajole people for money they do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I called trans union to have my inquiries removed immediately because i am a victim of their inquiry issue and i also never authorized these inquiries. I called several times and they refused to remove these 5 inquiries off my report : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I paid off my account/personal student loan to XXXX. The payment was sent via my real estate attorney, XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. To this day, Monday, XX/XX/XXXX, the account still shows open with an outstanding balance on my Equifax report only.

Company response to consumer: Closed with explanation