vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Name of the Collection Agency is Portfolio Recovery Associates, LLC. 
In XXXX of XXXX they would not stop calling nor would they stop sending me notices in the mail. I was paying them what I could afford but the company wasn't happy about the amount. I told the agents in XXXX of XXXX if they would not stop calling me I will stop paying them because they kept harassing me. 
The original debt is from XXXX. 
In previous letter I explained to them that I was admitted to the VA XXXX XXXX numerous times and I had no money to pay them during XXXX. I also informed them that I took out the insurance that they provided me on the card. The company said if I could prove that I paid the insurance I would be discharged of this debt. I then informed them that I had moved numerous times and had lost all of the paper work and asked if they could provided me proof of the past Credit Card statements, which they didn't. 
Once they called me on XXXX XX/XX/XXXX, I told them to review previous calls to which I had spoke to them and all matters concerting my account. They didn't review the calls, so I told them I wasn't paying them anything further because they kept harassing me. 
On XXXX XX/XX/XXXX I spoke with XXXX  XXXX  after getting a noticed in the mail. I explained to her what was going on and I had sent a Cease and Desist letter to their company. 
I then applied for a home loan ( XX/XX/XXXX ) and a personnel loan ( XX/XX/XXXX ) ; I once again started getting letters and calls. On XXXX XX/XX/XXXX I sent them a letter explaining what had happened in the past as well as a Cease and Desist letter to : Portfolio Recovery Ass., LLC - XXXX  XXXX, XXXX XXXX XXXX, XXXX CA XXXX as well as XXXX XXXX XXXX XXXX VA XXXX I got a statement form them on XXXX XX/XX/XXXX. I figured they had not got the letters so I sent copies of the previous letter and a new letter informing them once again if they tried any communications I would inform the Fair Trade Commission and Arkansas State Attorney General. Those letter were sent out on XXXX XX/XX/XXXX to : XXXX  XXXX, XXXX XXXX XXXX, XXXX CA XXXX ; XXXX XXXX XXXX, XXXX VA XXXX ; XXXX XXXX XXXX, XXXX VA XXXX ; Disputes Department XXXX XXXX XXXX XXXX VA XXXX I get a call from XXXX at XXXX on XXXX XX/XX/XXXX. I informed her that I had already sent a Cease and Desist letter now I was reporting them to both Fair Trade Commission and Arkansas State Attorney General. 
I have attached all the letters I have sent to them within the last month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I found a fraud accounts on my credit report they are fraudulent.

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I found a fraud accounts on my credit report they are fraudulent.

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The problem is with Experian and that I do not remember my PIN, so I can not log in. I have called every phone number on their web site and can not get a human being. I even googled " how to get a human at Experian '' and tried all those phone numbers. I typed a letter and mailed it - No reply! 
I filed a complaint with the XXXX  and finally got a phone call from a XXXX XXXX XXXX, who left a voice message with a direct dial number. I called him back an hour later, on XX/XX/2020 and got his voice mail, and left a message. I did not receive a call back, so on XXXX I called again, and again got vmail and left a message. No call back. On XXXX the same thing, and today XXXX the same thing. 
All I need is for them to reset my PIN and tell me what it is, so I can log in. 
I don't understand how such a large credit bureau could not have a human being answer the phone or have some way to get to one. Not even and email address for customer service.

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
What are the Penalties for Violations of HIPAA Rules? The penalties for violations of HIPAA Rules can be severe. State attorneys general can issue fines up to a maximum of {$25000.00} per violation category,  per calendar year. OCR can issue fines of up to {$1.00} XXXX per violation category, per year credit sys 20 accounts XXXX XXXX XXXX $ XXXX XXXX $ iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX he Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Army and Air Force Exchange Service
State: LA

Complaint narrative:
In need of help with identity theft, I have someone one who open accounts in my name and charged account up to where the companies are calling me for payments and I didnt even open the accounts up, the balances go above 5,000, and the person who is doing this is trying to Open more accounts and putting inquiries on my credit, I have filed a petition for money owed and the person will not answer the door for the petition to be delivered

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 2020-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This company has been continually calling my father informing him of an inaccurate charge that I'm currently disputing because the charge is incorrect. They inform him of the details and the amount that I owe but they don't call me. They started calling last week almost on a daily basis and they started back up this week its ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
What I have done I contacted XXXX XXXX XXXX XXXX XXXX  XXXX XXXX about the account opened up by Wells Fargo I feel its a fraudulent account I never authorize them to open an account I authorize to credit search to see if I was eligible for a loan for the repairs between XXXX XXXX  and Wells Fargo they open up an account try never authorize they put it on my credit report as an open account which Ive never authorized I have filed a complaint with Wells Fargo I filed a complaint with the FDIC fraudulent actions by the bank and not feeling it I can play with you Im hoping that you guys can help you get this resolved have this taken offMy credit report thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BlueChip Financial
State: TX

Complaint narrative:
On XX/XX/XXXX, my brother informed me that he received a very harassing call from a legal group about a lawsuit against me ( please note that I have never given my brother 's information as a reference to anyone ). I called the number - XXXX XXXX XXXX XXXX - and spoke to a gentleman with XXXX XXXX XXXX. He stated that he represents Spot Loan regarding an unpaid payday loan from XXXX. I said that they have never called me and he said that even though they have my phone number, they do not legally have to call me - they can call whoever they want to embarrass me ( his words exactly ). He stated that a letter was mailed to me in XXXX - I have never seen a letter - and that now legal action would be taken and they will contact my place of employment on XX/XX/XXXX to start garnishment of my wages. No other specifics about the loan were given other than it will now cost me more than {$2000.00} to resolve this. He was very rude and ended up yelling at me so I hung up on him.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On Monday, XX/XX/2020, I filed a dispute with Experian to dispute the erroneous name, of XXXX XXXX, being shown on my credit report. 
I have NEVER used the name XXXX XXXX without adding the XXXX. as my middle initial and it should have never been added to my credit report without the XXXX. 
This is a fraudulent, erroneous entry as I have Never used that name. 
The ONLY name that should appear on my credit report is XXXX XXXX XXXX. 

On XX/XX/2020, Experian sent me a letter refusing to remove this fraudulent, erroneous name and Experian also stated that they would never accept a written dispute sent thru the mail.

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT AND INQUIRIES BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. DO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME.

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT AND INQUIRIES BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. DO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME.

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
6. I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ****** ( copied from AFFIDAVIT attached ) *****

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
6. I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ****** ( copied from AFFIDAVIT attached ) *****

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 2020-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened a new account online with HSBC with a {$100.00} direct deposit. A week later, I used their mobile app to deposit a paper payroll check on Friday XX/XX/XXXX. Upon depositing my payheck, HSBC promptly froze my account completely, blocking me out of online access, ATM machines, or anything related to my account. I showed up at the branch to verify my identity and the legitimacy of the check, but they refused to let me gain access to my account/funds and told me I would have to wait until XX/XX/XXXX at earliest before I could gain access, but they're not completely sure. Before depositing my paycheck, there were no indications, warnings, or description of when I'd have access to my funds, that it may be flagged for fraud for x amount of days, or that my account would be completely frozen. 

The documents that they alleged I received, I did not. They didn't just make the funds from my deposit unavailable, they also made other funds that had already been approved and available unavailable in addition to freezing me out of my account completely. When making the deposit, nowhere on the deposit page did it make it known when my deposit would be available as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
What are the Penalties for Violations of HIPAA Rules? The penalties for violations of HIPAA Rules can be severe. State attorneys general can issue fines up to a maximum of {$25000.00} per violation category, per calendar year. OCR can issue fines of up to {$1.00} million per violation category, per year XXXX XXXX 20 accounts XXXX XXXX XXXX $ XXXX  XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX he Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act

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 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
My mortgage was transferred to SLS from XXXX in XX/XX/2019. Per RESPA, SLS never provided information regarding a fee they claimed was on my account, that I disputed. Yet they immediately threw my phone # on to their " Robo-call '' phone queues. Calls continued, even after I revoked call consent. Calls reached the point where I had to file a TCPA ( Telephone Consumer Protection Act ) suit against SLS. SLS continues to misapply payments. Their escrow dept nearly caused my homeowners insurance to lapse. Their customer service team refuses to speak with me because I hired an attorney for the TCPA suit. SLS shut off my online account access. As of XX/XX/2019, SLS has not sent me monthly mortgage statements. These are additional RESPA violations. Given that SLS 's customer service dept will not communicate with me, I have escalated the matters via direct email communication to XXXX XXXX ( SLS Sr Vice President ), XXXX XXXX ( VIce President - Customer Insight ), and XXXX XXXX ( SLS Vice President ). I will continue to add email new direct management contacts and file complaints. I also strongly encourage any and all who are forced here by Specialized Loan Servicing 's business practices to speak to a consumer rights attorney regarding both RESPA and TCPA.

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX. 
YOU ARE REAGING THIS DEBT ILLEGALLY, THERE HAS BEEN NO ACTIVITY ON THIS ACCOUNT, NO PAYMENTS, AND NO CONTACT, AND YET YOU CONTINUE TO ILLEGALLY REAGE THS DEBT BY CONSTANTLY UPDATING THE DATE OF LAST ACTIVITY. THERE IS NO ACTIVITY ON THIS ACCOUNT, AND YOU ARE VIOLATING FDCPA BY PRVIDING FALSE INFORMATION TO THE CREDIT BUREAUS, PROOF IS IN THE 2 CREDIT REPORTS I AM SUPPLYING. I AM DEMANDING THAT YOU IMMDETIALY DELETE THIS INFORMATION, AND CLOSE THIS ACCOUNT FOR VIOLATIONS OF THE FCRA, AND FDCPA. I USED THE CASE LAW US VS NCO INCORRECTLY, THIS IS HOW IT NEEDS TO BE USED. YOU ARE COMMITING THE SAME VIOLATIONS AS XXXX, AND YOU ARE COUGHT, THE PROOF IN IN MY CREDIT REPORT! YOU ARE DOING THIS MALICIOUSLY TO KEEP THE DEBT CURRENT, AND EXTEND THE SOL DATE AS TO WHEN THIS ITEM WILL FALL OFF OF MY CREDIT REPORT! YOU ARE DOING THIS ON ALL OF THE ACCOUNT ON MY CREDIT REPORT! THE DATE OF FIRST DELENQUENCY SHOULD BE SHOWN AS XX/XX/2018 WHEN THE BILLS WHERE GENERATED. YOU ARE DOING THIS TO DO CONTINUIOUS DAMAGE TO MY CREDIT AND SCORE, AND ADD TIME TO WHEN THE ACCONT WILL FALL OFF MY CREDIT REPORT. THIS IS NO ERROR, I HAVE EVIDENCE THAT YOU ARE CONTINUING TO UPDATE THIS DATE. 


XXXX XXXX XXXX XXXX, YOU HAVE REPEATEDLY SAID THAT THESE DEBTS ARE VALID, AND YOU SENT ME A VALIDATION PACKAGE, CONTAINING MY MEDICAL BILLS, INCLUDING MY TREATMENTS, WITHOUT MY HIPPA CONSENT FORM. YOU ALSO ARE REAGING THE DEBT IN VIOLATION OF THE FDCPA, AND FCRA. YOU HAVE DONE THIS ON ALL ACCOUNTS SHOWING ON MY CREDIT REPORT! YOU HAVE ALSO REAGED MY DEBTS BY UPDATING THE DOLA, IN  VIOLATION OF THE FCRA! 

XXXX XXXX THIS COMPANY HAS RE-AGED MY THIS COLLECTION BY CONTINUING TO UPDATED THE DATE OF LAST ACTIVITY, THERE IS NO ACTIVITY ON THIS ACCOUNT, AND THIS IS FALSE REPORTING. 

YOU HAVE FAILED TO CONDUCT A REASONABLE INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Brown and Joseph, Ltd
State: FL

Complaint narrative:
On XX/XX/2020, XX/XX/2020 and XX/XX/2020 the Joseph and brown debt collectors called and are threatening me that if I do not pay $ XXXX they will sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I purchased a service using my debit card through PNC bank. This service was never performed so I reported the unauthorized charge to PNC. PNC then accepted fraudulent evidence to clear the purchase authorization and avoid returning my money. To this day I have not received what I paid for.

Company response to consumer: Closed with explanation