vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America account was scammed in 2018 in XXXX Georgia or surrounding cities in Georgia by someone. This person went to numerous places and withdrew money that was not in my account and I am being held accountable even though I have made a police report and have proven where I was located at this time. My account was closed and I have been responsible for paying the outstanding balance of $ 7100+. This is also stopping me from opening a new bank account with any other banks and has also placed my name in a system for fraud suspect activities which prohibits me from a lot.

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 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
Notice for Proof of Claim Account : ENHANCED RECOVERY COMPANY # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Account was removed from account and then it repapered.

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 2021-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX XXXX  sent me a debt collection letter in the mail dated XX/XX/2021 for an old debt ( time barred ) from Ally Financial Inc in the amount of {$8200.00} dollars. I dispute the validity of the debt and the collection efforts by the debt collector because I believe that it has been 4 years since the last payment was made to the disputed loan account. The statute of limitations under California law to collect this old debt is already in effect and XXXX XXXX should stop all efforts to collect it and to contact me about it. Also, I believe that the debt collector is making a threat to me because the letter states : " a negative credit bureau report reflecting on your credit record may be submitted to a credit reporting agency ''. I believe this kind of action is a violation of FDCPA.

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 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was laid off in XX/XX/2020 due to covid and fell behind in making my payments to XXXX XXXX XXXX XXXX XXXX XXXX ( now sold to a collection agency PORTFOLIO RECOVERY ). I notified the company and tried to make small payments out of good faith. I've asked them to stop reporting late payments and they refused. As a result, they continued to report my payments late and my credit score has decreased. It's not that I don't want to pay them. Due to Covid and the loss of income I have been unable to. Please help, as I would like to purchase a home and this has had an adverse impact to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
Source RM sent me a debt collection letter in the mail dated XX/XX/2021 for an old debt ( time barred ) from XXXX XXXX XXXX in the amount of {$8200.00} dollars. I dispute the validity of the debt and the collection efforts by the debt collector because I believe that it has been 4 years since the last payment was made to the disputed loan account. The statute of limitations under California law to collect this old debt is already in effect and Source RM should stop all efforts to collect it and to contact me about it. Also, I believe that the debt collector is making a threat to me because the letter states : " a negative credit bureau report reflecting on your credit record may be submitted to a credit reporting agency ''. I believe this kind of action is a violation of FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Convergent reported inaccurate information to the credit bureau on XX/XX/XXXX and XX/XX/XXXX 14 days apart not a full 30 days apart, the balance dates were different and the amount owed was different as well. Please see highlights in file. This caused my credit score to drop drastically by 65 points right in the middle me closing on a home, which in turned raised interest rate to a point where I did not feel comfortable accepting. I was so alarmed that I called Convergent immediately to clear up any balances without them verifying the debt because I just wanted it paid and removed from my credit report. Once I contacted them I was told by one of the agents that it would be deleted from my report within the next 30 days. This did not happen, this account still remains on my report. Convergent is in violation of 15 U.S. Code 1692e at this point for false or misleading representation. I have called them several times and asked if they would remove it and their answer is always no. I am continuously being quoted higher interest rates because of this paid collection. I would like this collection account deleted from my credit file, so that I can obtain a fair and reasonable interest rate on the purchase of my home and other credit purchases. The debt has been pay why is is still showing in collections on my credit profile. Please delete

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 2021-04-22 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021, someone broke into the common area of my condo and stole all my mail. I applied for a Citibank checking account and the debit card was also in the mail. Traveling abroad at the time, I received notification from the bank that my account was activated, which I did not do. Someone has stolen the debit card Citibank sent me and used the card to withdraw {$1000.00} from an ATM. Upon discovering the transaction on my account ( I logged onto the account on Citibank.com ), I immediately reached out to the Citibank fraud department through phone call the same day and notified them of the fraudulent transaction. I also filed police report with the XXXX, CA police department. 

After returning from my trip abroad, I visited Citibank in person at the XXXX, CA branch and the bank staff told me that the phone agent didn't correctly freeze my account and there were more fraudulent transactions on my account. I filed fraudulent report with the bank 's fraud department on all those transactions. The bank has access to the fraudulent checks that the thief has written on file, but refused to refund the two fraudulent transaction amount {$210.00} and {$1000.00}.

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 2021-04-22 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$6000.00}, {$3100.00}, {$1200.00}, {$1100.00}, {$1200.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc.
State: OH

Complaint narrative:
I was approved for PPP round 1 on XX/XX/XXXX. I have my loan #, etc. Capital Plus Financial is my lender and still hasn't sent me my Promissory Note via DocuSign.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: Manhattan Beach Venture, LLC
State: IA

Complaint narrative:
XXXX This number keeps calling me and saying they will expunge my student loan debt thats over XXXX, Ive gotten over 15 calls the past year.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: IN

Complaint narrative:
I have been trying to do a modification on my home mortgage since XXXX XXXX I have done the process five times each time it is denied because paperwork requested The last two times it was denied for not returning paperwork there were still a few days left according to the request documents to turn the papers in still when the deny was made Here are dates and detail to follow I feel I am being discriminated again and mislead and lied to by this company XXXX XXXX sent first Application sent documents said I work hear by late XXXX. Never heard anything XXXX secondcalled to check status. Told it was denied for requesting documents not turned in XXXX XXXX Application third XXXX XXXX I recieved letter stating recieved appXX/XX/XXXX Financially complete XX/XX/XXXX Decision made by XXXX XXXX XX/XX/XXXX letter request documents sent in by mail Said they never record XXXX XXXX letter denial documents not turned in XXXX XXXX sent third app certified so they couldnt say they didnt recieve it XXXX XXXX letter stating recieved app XX/XX/XXXX its complete decision made by XXXX XXXX Called XXXX XXXX and XXXX to check on modification could not get through to anyone It kept sending me to a modification department and the line would then disconnect my after a thirty minute hold several times XXXX XXXX I email customer service with my issues XXXX XXXX sent back forbearance documents requested XXXX XXXX sent in requested form and other requested documents XXXX XXXX they requested the income and other documents and gave till XXXX XXXX for documents return by date XXXX XXXX sent requested documents XXXX XXXX XXXX sent denial letter for not turning in documentation I still had till XXXX XXXX according to the letter they sent but denied it and told me I again had to start over I sent in Application fourth XXXX XXXX letter stating recieved App XXXX XXXX facially complete XXXX XXXX Decision made by XX/XX/XXXX XXXX XXXX second additional papers requested. Paystubs turn in date of XXXX XXXX XXXX XXXX sent in doc via email XXXX XXXX talk to XXXX she confirmed they had the documents Thats what I sent was alll that was being requested The phone call was recorded around lunch time XX/XX/XXXX letter of denial for not proper paperwork and again I had till XXXX XXXX to turn in documents so they still denied it before the time frame and I had confirmed it was there and complete days before I have called twice and when I ask to speak with a manager because they told me I needed to start over again I get sent to a voicemail for a person that didnt call back also tried emails on XXXX XXXX and XX/XX/XXXX no response to date

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Last Friday XX/XX/XXXX We issued a bank wire to Lakeview Loan LLC. We looked online payment History XX/XX/XXXX and saw nothing has changed for a month. So we called XXXX XXXX XXXX to get affirmation that the funds had been wired they said yes. So we called Lakeview Loan, and the representative stated that typically it takes 2 weeks to receive and process. 
So we asked XXXX if he could see on his screen as to whether or not they received it. He said it's not showing up on his screen. Now we're thinking that perhaps we got the wrong address, or Number. 
So XXXX gave us wiring instructions : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. Acct # 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 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: GA

Complaint narrative:
MRSBPO is attempting to collect a debt not owed. I have never had an account or entered into any consumer credit transaction with MRSBPO. MRSBPO is in violation of 15 USC 1692 FDCPA ( Fair Debt Collection Practices Act ). Please see attached Avidavit of Truth.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Not sure why they are contacting my number. They never leave messages but the numerous calls are stressful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 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: AES/PHEAA
State: NJ

Complaint narrative:
ON XX/XX/2019 FEDLOAN SERVICE # XXXX ADD A DEROGATORY MARK IN MY CREDIT REPORT AT XXXX UPON FURTHER RESEARCH THIS ACCOUNTWAS TRANSFERRED/HOLD AND I AM NOT LONGER RESPONSIBLE FOR THE ACCOUNT, DEBITORS CREDIT DID NOT VERIFY THIS COLLECTION. ALSO THERE'S WAS NOT WRITTEN FORM OF COMMUNICATION CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA FEDLOAN SERVICE HAS VIOLATE MY RIGHTS AS A CONSUMER AND I'M REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT INMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
I have contacted this agency on several occasions to try to resolve this debt. 

Even though I do not believe this debt to be legitmate ( it was made without my authorization by an ex husband ) The current collection agency, Southwest Credit Systems, has refused on multiple occasions to both provide me with a written copy of the actual debt ( bill etc ) AS WELL as refused to provide me with their settlement offer in writing ( {$740.00} was the last amount offered ) THEY ALSO have refused to accept payment in full in one transaction. 
They have insisted instead that my only option is to enter into a payment arrangement with them, for multiple payments. 

There are other complaints online against this company for asking someone to do the same, only to fail to process their final payment of the payment arrangement, then finding the consumer in default of the payment arrangement, thus violating their " settlement amount '' and reverting their account back to the original inflated account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
on XX/XX/2021 I found an unauthorized transaction XXXX XXXX XXXX XXXX  charge {$85.00} XXXX on my Discover credit card. I called and disputed this charge with Discover. They investigated it and they said this charge was valid and refuse to reverse {$85.00} to me. The Discover told me I need to contact with XXXX XXXX to get a solution. 
It is just because the XXXX company have provided some documents to Discover? so I have to pay this charge? It is unfair for a customer like me. 
Case Number : XXXX Merchant Name : XXXX XXXX Dispute Amount : {$85.00} I think the credit card fraud use is not a consumer 's faulty, right? My vehicle is small XXXX XXXX XXXX XXXX the full tank is about 15 gallon at most XXXX and never can add over 25 gallon, {$85.00} XXXX unauthorized transaction by somebody ). 

After this unauthorized transaction, I was frozen the credit card so nobody will be continue to use it again. But on XX/XX/2021, I found somebody used the card again on XXXX gasoline station - XXXX XXXX and fortunately I blocked it. 

Please advise me how should I do for this situation? Thanks you very much XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: XOOM CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021 the funds transfer by Xoom XXXX transaction XXXX failed due to Recipient Account Invalid status reported by XXXX, refer to trxn history. The receiving bank is claiming they have not received the transfer and requesting XXXX documentation ( XXXX etc ) to investigate the problem. 

Requested Xoom XXXX for transaction docs but they have failed to provide it so far. Despite repeated reminders they are not cooperating. Knowing how EFT operates, Xoom XXXX should provide the docs in few hours not dragging it for days. 

The Xoom XXXX address is : XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Over the course of the past month from XX/XX/XXXX to XX/XX/2021 I have been scammed by a fake trading platform called XXXX XXXX XXXXXXXX  The site has recently been taken down. However, the scammers also have another site that goes by a different name but is identical that is still up XXXX XXXX XXXX  They claim to be located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I invested {$31000.00} from my Coinbase account. Once I discovered the XXXX XXXX  platform was fraudulent I contacted the following government agencies to report the crime : FBI, SEC, FTC, XXXXPD, and CA Dept of Financial Protection and Innovation. I also contacted Coinbase to request a refund of the transactions per their user agreement that stipulates the following " The policy insures against theft of digital currency that results from a security breach or hack, employee theft, or fraudulent transfer. '' They state that they have criminal insurance to cover this type of fraud, but they are refusing to refund the transactions. Link to the user agreement can be found here XXXX XXXX XXXX XXXX  Can you help? I have evidence and documentation of everything that has occurred.

Company response to consumer: Closed with explanation