vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
The notice I received on XX/XX/XXXX was vague. It only says the original account was with XXXX XXXX. I never received a bill from then. It says the date of service was XX/XX/XXXX. When calling TSI they would not give me information without me giving them my birthday. Im not giving private info to a stranger.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Request : Cease and desist all communication XX/XX/2022 Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, Virginia XXXX Portfolio Recovery Associates, Portfolio recovery you are sending me documents that state this communication is from a debt collector but is not an attempt to collect a debt. I have received four letters as of XX/XX/2022. I have requested a cease and desist in the past. Once again I am asking you Portfolio Recovery to cease and desist all communication with me. I WILL NOT PAY THIS ALLEGED DEBT. DO NOT SEND ME ANY MORE LETTERS! 

The Fair Debt Collections Practice Act states congressional LAW.

15 U.S. Code 1692c - Communication in connection with debt collection.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
I have attached the letters that I have received this month. If I receive any more letters I will notify the CFPB. 

This is harassment! 

15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: OR

Complaint narrative:
TransUnion Dispute Collections Account is closed and has been decreased to ( 0 ) Zero. TransUnion continues to report {$2900.00} as derogitory information. Have disputed twice. Complete discharge of debt completed. Creditor has acknowledged accord and satisfaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an email notification from Bank Of America that read that unusual credit card activity was noticed on my account. By clicking on the email, I was able to flag fraudulent charges directly on the site. On XX/XX/XXXX, a replacement credit card was mailed. Upon reviewing my recent activity, I noticed that there were several additional fraudulent transactions on my account that the Bank of America software did not catch or allow me to flag online. Upon this discovery, I called Bank of America to add these additional charges to my case. On XX/XX/XXXX, Bank of America issued a credit of XXXX for the charges flagged online and on XXXX, a credit of XXXX for the charges I reported with an agent over the phone. On XX/XX/XXXX, Bank Of America sent me a letter indicating that they were unable to approve my fraud claim. Upon reading this, I called Bank of America to challenge this decision as a total 12 fraudulent charges were charges made in a town I dont live in, hundreds of miles miles away, at establishments I did not set a foot in The charges were not made by me. The agent I spoke with was unable to provide a specific reason for the denial and proceeded to re-open the case, adding notes stating that the charges incurred in a different town and that I did not receive any product or service from the merchants listed. On XX/XX/XXXX, Bank of America once again sent a letter indicating that they were unable to approve the claim due to what they deemed to be consistent with previous charges with the merchant. Merchants included XXXX XXXX, XXXX XXXX, XXXX and others. I have never set a foot or done business with these merchants and Bank Of America has failed to deliver proof justifying their decision. I appreciate your help advocating for me as Bank Of America is holding me liable for charges of {$2100.00} that I did not make.

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 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
There was a bank transfer for {$7300.00} from Ally bank and I had given a check for that amount but the transfer didn't come in time of the check being cashed so It ended up being a return of posted check. XXXX XXXX XXXXXXXX Stated that they do not have any of the funds and it was cancelled out. Ally bank is stating there are two ACH withdrawal from XXXX  XXXX XXXX but on my XXXX  XXXX XXXX statement there are not two withdrawal from me. This collection will go on my credit and will effect me.this is a mess up on Ally bank and XXXX XXXX XXXXXXXX not me. Ally is not working with XXXX XXXX XXXXXXXX to resolve this issue. Which is not my fault that someone one on either side messed up not me. This has stressed me out to the max, I've been having XXXX  and I already suffering with XXXX  this has elevated it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: Manhattan Beach Venture, LLC
State: IN

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX Open date XXXX XXXX XXXX Open date XXXX XXXX XXXX XXXX XXXX XXXX Open date XXXX XXXX XXXX XXXX XXXXXXXX Open date XXXX XXXX Enclosed is a copy of my Identity Theft Report, supporting my position. 

I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AT T These disputed items wasn't removed from my credit record within 30days of the investigation period

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
We had a Paypal account that we used. Our credit card was linked to the paypal account along with our banking account. We hosted an exchange student a few years ago now and helped her obtain a car while in the US. We moved money using our paypal account. They froze the account and wanted a copy of our driver license and other information which we were not comfortable providing. We have requested multiple times for them to close the account, but they will not unless we provide sensitive information. If this information was not required at the opening of the account I do not believe we should be providing it at this time. There is no cash balance or anything like that it just needs to be closed to avoid any future fraudulent activity. We have tried multiple times in the past and tried again as we received an email from paypal to validate a transaction. This transaction is not something we did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello, I ordered a new XXXX XXXX XXXX on the manufacturer 's website on XX/XX/XXXX. I was presented with a {$60000.00} 2.49 % loan offer from BMO Harris Bank on the same day, but did not sign any loan documents. Vehicle delivery was scheduled for XX/XX/XXXX. 

On XX/XX/XXXX I went to the XXXX dealership location ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to pick up the car. Unfortunately the car was physically damaged and had several error notices showing up on the main screen. I spoke with a XXXX representative ( XXXX ) and he told me in his experience this was not normal. I told XXXX that I would reject delivery. XXXX told me that this would not be a problem and that XXXX would cancel the order, have a new car/VIN allocated for me to be delivered at a later time. 

XXXX does NOT allow future owners to inspect the interior of the car and/or the software/computer inside the car before signing the documentation, therefore I was forced to sign their paperwork prior to completing my inspection of the vehicle. I asked XXXX if this would be a problem after I rejected delivery, he said no. He promised me orally and subsequently via text that my deposit ( {$8700.00} ) would be refunded shortly, that the documents would be cancelled and that a new car will be ordered. 

On XX/XX/XXXX I received a notification from XXXX that a new lien was added to my credit report. This was the BMO Harris Bank loan for {$60000.00} that I never accepted because I rejected delivery of the vehicle. I reached out to XXXX immediately and asked him why my credit report was showing this loan. He told me that XXXX 's systems showed the loan contract as voided, that he followed up with XXXX 's financing team to confirm and that my deposit would be refunded within 30 days. I never heard back from XXXX. 

On XX/XX/XXXX a BMO Harris Bank employee reached out to me to let me know that that loan was showing as due in their systems and that I needed to start paying. I explained the situation to him and asked him to reach out to XXXX to confirm that the loan was voided/cancelled and that XXXX kept the car. I reached out to XXXX again and asked for some sort of resolution, but I never heard back from him. 

I filed a dispute with XXXX and today the dispute was " resolved '', but the loan remains on my credit report. I have tried getting XXXX 's help on this matter multiple times, but time and again they refuse to do anything to solve this issue. 

I attach the communication I have had with XXXX for the past few months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WV

Complaint narrative:
I have paid my mortgage payment, XXXX XXXX XXXX on XXXX XXXX since XXXX when I purchased the property. County taxes were received XXXX XXXX from the closing in XXXX. The mortgage company failed to send XXXX taxes to county.. A lien was placed on the property and then sold. The end of redemption is XX/XX/XXXX. The county taxes have been escrowed, however, the mortgage company have neglected to pay the taxes to the county Or attempt to resolve this issue in a timely fashion. When calling the mortgage company they transfer me to the escalation department. They tell me the tax department is taken care of this. And 14 months of me calling weekly, nothing has been done. And now we risk losing our home to a tax lien at no fault of our own. We need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 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 have previously disputed with XXXX XXXX  and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: OneMain Finance Corporation
State: CA

Complaint narrative:
Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO XXXX, XXXX, AND XXXX XXXX THAT PER THE FAIR CREDIT REPORTING ACT, XXXX XXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE. I have never done business with ONEMAIN, nor have I signed any contracts with this company. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting ONEMAIN delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: A-L FINANCIAL CORP
State: CA

Complaint narrative:
THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION OR KNOWLEDGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Violating the FCRA. I filed a dispute something they say they have investigated but upon checking no investigation was made. They are verifying a fraudulent account as accurate an account that has been correct on other 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 explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX {$570.00}, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I HAVE NOT PROVIDED chexsystems written permission to furnish information on my consumer report therefore chexsystems is in violation of federal law under 15 U.S.C 1681 Section 604 A Section 2. Failure to remove the information from my consumer report will result in legal action. 

Remove the information from my consumer report immediately or face legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Issue involves Comenity Capital Bank ( BJ 's XXXX XXXX card ). 

- XX/XX/XXXX bill received, {$120.00} with a payment due date : XXXX XX/XX/XXXX - XXXX XX/XX/XXXX : Paid bill in the amount of {$120.00}, paid it on time and in full. 
- Note : I am including a copy of the check ( less my PII ) for your inspection. 
- XXXX XX/XX/XXXX : Payment received by Comenity Capital Bank. Not late. However Comenity posted an incorrect amount to my account : {$120.00} ( not the full amount {$120.00} ). 

- XX/XX/XXXX bill : Reflected that I did not pay the full amount in XXXX and was being assessed an interest charge of {$2.00}. Payment due date : XXXX XX/XX/XXXX. 
- XXXX XX/XX/XXXX : Paid bill in the amount of {$320.00} on time and in full. 
- XXXX XX/XX/XXXX payment received by Comenity Capital Bank. Not late. Amount credited to my account was correct : {$320.00}. 

- XX/XX/XXXX bill : Reflected that I paid the full amount in XXXX, was not late, but was again being assessed an additional interest charge, this time the additional amount was {$3.00}. Bill was due on XXXX XX/XX/XXXX. 
- XXXX XX/XX/XXXX : Paid {$150.00} ( from this bill ) and {$88.00} ( will be on the XXXX bill ) for a total of {$240.00}. Paid on time and in full. 

- XXXX XX/XX/XXXX : Called Comenity Capital Bank seeking a resolution to this issue, without success. They could not explain why the XXXX was not taken in XXXX or why I was assessed another interest charge in XXXX. I informed Comenity that I had a copy of the check in the amount of {$120.00}. They were not interested in seeing it. They offered to return the {$3.00}, but not the {$0.00} or the {$2.00}. 

How do I get Comenity Capital Bank to : - make me whole for their XXXX mistake, - back out the {$0.00} I attempted to pay them and - reimburse me for all the interest charges ( {$2.00} and {$3.00} )? 
How many months are they going to keep assessing additional interest charges for their mistake? 

- XXXX XX/XX/XXXX : Called BJs, XXXX, today to see if they could help, I was transferred to Comenity and then the call was then dropped. 

Please help.

Company response to consumer: Closed with monetary relief