vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Dealing with this company for quite a while now. When I originally got sued by them they " served '' me at a very old address. I work for collection agency and know how easy skip tracing is, unless you don't care because if an old address is served, clearly the individual can't show up to the hearing and a default judgement is granted. This was in XXXX I believe. 
Fast forward to now and on their own website it says Your account information can not be viewed online at this time. 
Please call XXXX, XXXX at XXXX. In other words, they no longer hold my account and it is with another collection agency. An agency I have never received any correspondence from. 
My other account with Portfolio Recovery states " Account Disclosures : The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. Depending on the laws of your state, certain actions, such as making a payment or promising to pay the debt, may restart the time period for the filing of a lawsuit against you ; but even if that were the case, we still will not sue you on this debt. '' Both of these accounts are from the same time period and beyond statute of limitations for suing.

So imagine my surprise when on Friday XX/XX/XXXX, I get a certified letter from XXXX XXXX courts stating they are trying to reinstate the previous judgement from Attorney XXXX XXXX with Portfolio Recovery associates listed as the Plaintiff. How can they be the Plaintiff when it is no longer handled by them and it is so old? 
Also when I requested proof of debt previously I was mailed card statements with some nonsense stamped on the top that the account is with portfolio recovery. That is not original evidence, that is doctored evidence by them. 
I then did a live chat with XXXX XXXX to see if they were part of Portfolio Recovery and they stated they are an " Independent Network '' so a totally different agency.

I have sent all of this in response to the court but I also know Portfolio Recovery has been fined previously and think they should be investigated again. I think the attorney should also be investigated and will be filing a complaint with the XXXX  attorney general as well as an FCRA complaint online as well as certified letters to both agencies. 

I am absolutely not letting this go. 

I have screenshots and photos to prove all of what I am stating. I have sent it to the attorney but of course have heard nothing back. I have sent it certified to the court and hope to hear something back soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I traded in my XXXX Honda CRV which I have purchased with XXXX Honda with GAP insurance and Comprehensive Insurance with XXXX XXXX through XXXX Honda. When I purchased a new XXXX Honda CRV at XXXX XXXX Honda they told me to contact XXXX XXXX to cancel the above insurances to get whatever I was due back. XXXX sent me the forms and told me to fill them out and send them to XXXX Honda and ask them to submit them to XXXX for reimbursement. XXXX Honda told me that I do not get back the comprehensive ins. since it is used towards the payoff of my XXXX loan. I called XXXX XXXX and they said no, it was not used. I actually have a copy of the payoff amount I obtained online which is like {$20.00} less than what I paid. I let XXXX Honda know this, and sent the forms. I called XXXX several weeks later and they only received the cancellation for the GAP insurance from XXXX Honda and as of this date, I have still not received any reimbursement whatsoever. I know there was a lawsuit in California with Honda about them retaining the GAP insurance reimbursement. I don't even know how much I'm due, but it's the principle at this point. I paid for it and I cancelled it, so why should Honda or XXXX keep the money?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
It is a money borrowing app, when I paid back I end up paying too much for the fees and interests and stuff that's why I ended up not able to have no more money to pay jt back more and more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
15 US CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION. THIS HAS ALREADY CAUSED ME GREAT DISTRESS AND DEFIMATION OF CHARACTER FOR ME AND MY FAMILY.

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 2024-04-09 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX filed a collection notice, and a delinquency notice to the credit bureaus on a fraudulent purchase they fail to cancel. While their fraud department was correcting, their billing put it collections without notifying me. I have a construction project set to start and now the bank is reluctant to secure the loan. My Credit score has dropped significantly. XXXX said to name XXXX and them in suit. I really don't want to go down that path. My lender recommended you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently started monitoring my credit report and noticed theres a capital one card in my name that I didnt authorize or have knowledge of. I also made an account with XXXX XXXX and found out who used my information to obtain credit. I filed an identity theft report too. And I hope yall get him because this is fraud and it aint right because this is messing me up with getting credit. I just began to learn about credit and this happens to me. Its not right. I dont want capital one to think I opened the account myself when I didnt and I dont know how or where this person gotten my information from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
They sent letter stating will sue, if not paid. I sent letter asking for validation of debt and proof they had correct person since I never heard of either company. They send letter with amounts and name, but nothing else stating they do not have to. I sent another letter asking same thing, once again they sent same response, I sent another letter on XX/XX/19, they responded with another legal threat to sue since I asked to cease commutation, I never asked that in letters, I asked for proof they had correct person, and about debt since I never heard of either company. They have never sent any proof, or will not communicate with me information, just send letters stating will sue, and first letters never stated a debt collector. Their letters never address what I ask, and they state they have proved all they have to. Which is nothing. I never had an account with wither company or signed for any credit or loan with either company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MEMBER FIRST MORTGAGE, LLC
State: IN

Complaint narrative:
Member First Mortgage bought my loan from XXXX XXXX  in XXXX. I have continued to make payment to the purchaser Members First Mortgage. They haven't paid my insurance out of the escrow. They sent me a letter in XXXX requiring proof of insurance. My insurance contacted them and I was told by the insurance company the issue was resolved. 
I received another letter yesterday requesting proof of insurance, I tried to contact them and there was a 25 minute waiting time. I tried to send a message via their website and was kicked off the site. I sent an email and received no response. 
I contacted my insurance company, they both emailed and faxed the request for payment with supporting documents. 
The payment was due XX/XX/XXXX. It has not been paid and Member First Mortgage is not responding to the insurance company or me. There are funds in the escrow.

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've consistently upheld timely payments on this account, ensuring they are never overdue. I'm puzzled by the presence of late payment remarks on my accounts. Per 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : USAA FERDERAL SAVINGS BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
In XX/XX/XXXX Citibank closed my cards while I was traveling abroad. To this day there is still no explanation of the closure. I called as soon as I returned stateside. The bank employee that I spoke to told me he did not know why my account was closed but he would transfer me to rewards. Rewards told me they would credit XXXX points for {$460.00} to my card balance on XX/XX/XXXX. I paid my balance less the {$460.00} on XX/XX/XXXX. Citi did not apply the rewards and are now charging late fees and interest. I have called every month asking if they would fix this error. I spent over XXXX hours on the phone with them today being transferred and explaining over and over the issue. Finally one rewards specialist told me that they in fact had stolen over {$500.00} in rewards from me. I asked them to please apply the rewards to my account so that it would be satisfied and then we could part ways. He refused and collections refused to read the records of the call where he admitted that instead of applying as they said they would they had in fact stolen them. I have paid these accounts in a timely manner and should not have my credit hit because of there errors.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
The company is reporting that I have delinquent payments. That is incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Theres an hard inquiry on my report from Capital XXXX and I called into TransUnion to remove it and they told me that XXXX XXXX has to send the letter so I called XXXX XXXX. I told him that its fraud and Capital XXXX sent a letter to XXXX  and to XXXX and Trans Union everyone moved it besides Trans Union Trans Union didnt remove 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 non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear Equifax I see that you verified the account listed below : XXXX XXXX : Account number : XXXX, Inaccurate. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX  XXXX : Account number : XXXX, Inaccurate. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Inaccurate. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, Inaccurate. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with non-monetary relief