vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Portfolio Recovery Associates , LLC for multiple violations of consumer protection laws. The company has violated the following regulations : 1. 12 CFR 1006.34 ( b ) ( 5 ) - Failure to provide accurate information : Portfolio Recovery Associates , LLC has repeatedly provided inaccurate information about my debt, including the amount owed and the original creditor. This has led to confusion and frustration on my part.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Failure to provide validation of debt : Despite multiple requests, Portfolio Recovery Associates , LLC has failed to provide me with proper validation of the debt they are attempting to collect from me. This lack of transparency is concerning and goes against the regulations set forth by the CFPB.

3. 12 CFR 1006.34 ( d ) - Unfair practices : Portfolio Recovery Associates , LLC has engaged in unfair debt collection practices, including harassment, threats, and misleading statements in an attempt to coerce me into paying the alleged debt. This behavior is unacceptable and violates consumer protection laws.

4. 15 USC 1681-S2 ( 7 ) ( A ) - Reporting inaccurate information to credit bureaus : Portfolio Recovery Associates , LLC has reported inaccurate information about my debt to credit bureaus, which has negatively impacted my credit score. This is a violation of the Fair Credit Reporting Act and has caused me financial harm.

I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against Portfolio Recovery Associates , LLC. I also request that the company be held accountable for their actions and that they cease all illegal debt collection practices immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: STOCKTON MORTGAGE
State: KY

Complaint narrative:
I am writing to express my deep concern regarding the discriminatory treatment I experienced while attempting to complete a Federal Housing Administration ( FHA ) loan application with Stockton Mortgage. As a prospective borrower, I believe that I was unfairly treated and denied equal access to the mortgage application process which violates The Fair Housing Act and The Equal Credit Opportunity Act. 

On XX/XX/year>, I initiated the mortgage application process with Stockton Mortgage with the intention of securing an FHA loan for the purchase of a home. Throughout the application process, I encountered several instances where I believe I was subjected to discriminatory treatment based on my race, my ethnicity, my family status, refuse to negotiate for housing, and otherwise make housing unavailable. 

The loan office I worked with during this time was : XXXX XXXX. The telephone number he used to communicate with me was : ( XXXX ) XXXX - XXXX. On XX/XX/year> at XXXX XXXX XXXX stated " he could not get me approved ''. 

Despite providing all required documentation and meeting the eligibility criteria for an FHA loan, I was met with undue delays, requests for unnecessary information, and ultimately, my application was denied without valid justification. It is disheartening to believe that I was not given the same level of consideration and assistance as other borrowers solely based on my race, my ethnicity and my family status. 

It is important to emphasize that discrimination in any form is not only unethical but also illegal under the Fair Housing Act and other applicable laws. As a financial institution, Stockton Mortgage has a legal and moral obligation to ensure that all applicants are treated fairly and without regard to protected characteristics. 

I urge Stockton Mortgage to conduct a thorough investigation into my case and take appropriate corrective actions to address the discriminatory practices that I experienced. Additionally, I request that Stockton Mortgage provide me with a written explanation for the denial of my loan application and offer remedies to rectify the situation. This denial has caused severe burdens on my family. We have suffered emotional distress, humiliation, pain/suffering, loss wages, and loss of homeowner opportunities. 

I trust that Stockton Mortgage takes this matter seriously and is committed to upholding fair lending practices. I look forward to your prompt response and resolution of this issue. 

In the event that there are no remedies agreed upon, I intend on filing a complaint with the FTC, Security Exchange Commission for security fraud, HUD, State Attorney General office, and State/Federal Court . 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-20 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I pulled my credit report via Experian recently and noticed that Experian has made approximately 219 soft inquiries from XX/XX/XXXX - XX/XX/XXXX to the file. Most of these inquiries are happening on a daily basis, I haven't given Experian permission to do this. I can only suspect that Experian is doing this illegally for a third party which doesn't have legal support for this invasion of privacy. I have previously had the City of XXXX XXXX XXXX and the State of Washington removed from criminal history on a background check furnished to my employer, because I found evidenced that proved that both of these gov entities were filing fraudulent FTA Warrants to invade my privacy ( after it was documented that I showed up to court and was refused a trial ). I suspect that Experian is invading my privacy for these two agencies in violation of Federal law, it would be my pleasure to provide Experian with the evidence of this federal crime should they admit that these are the third parties they are working for. There is no permissible purpose to inquire on someone's credit over 219 times, and pretty much on a daily basis. What should be looked at is City and State employee 's abusing their perceived authority in order to strip someone else of their freedom.

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 2024-02-20 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
. 
Remove the following inquiries immediately. 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. These are not my accounts. delete the inquiries. This is the 3rd time. Legal action will be taken.

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 2024-02-20 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: IL

Complaint narrative:
Upon reviewing my three credit reports recently, I observed that TransUnion and XXXX are still indicating a collection account that I have no recollection of applying for. Fortunately, XXXX has addressed this issue and removed the collection from my credit report. After contacting TransUnion and XXXX I was met with push-back even though I expressed the collection in question did 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 2024-02-20 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  {$4300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$4100.00} XX/XX/XXXXXXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX {$980.00} XX/XX/XXXXXXXX XXXX XXXX {$840.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX XXXXXXXX {$660.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) 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 ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Fidelity National Financial, Inc
State: IL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. I HAVE RECEIVED NO ANSWERS OR ASSISTANCE FROM THIS COMPANY WHO IS ATTEMPTING TO UNLAWFULLY FORECLOSE ON MY PRIVATE LAND AND SHELTER AND CFPB IS THE PURPORTED AUTHORITY TO REPORT THIS TO, YET THIS BUREAU HAS FAILED TO DO ANYTHING ABOUT THE PREDATORY LENDING, VIOLATIONS OF TILA, RESPA, HOEPA, EQUITY STRIPPING, LOAN FLIPPING, FAILURE TO RESCIND THAT THESE SERVICERS AND TITLE COMPANIES, APPRAISERS, ROBO SIGNERS, NOTARIES, BROKERS AND THIRD PARTY COLLABORATORS ARE ENGAGING IN. THIS IS A CRIMINAL RACKET. MY HOMES EQUITY HAS BEEN STRIPPED, I HAVE INVESTED OVER $ XXXX IN LAND, MY PRIOR HOME SALE PROCEEDS {$110000.00} AND OVER {$600000.00} IN MONTHLY PAYMENTS FOR A $ XXXX CONSTRUCTION LOAN THAT WAS IN XXXX. I BUILT MY OWN HOME WITH MY OWN MONEY AND SAVINGS. THESE PREDATORY LENDERS ARE FILING FRAUDULENT DOCUMENTS IN THE COUNTY RECORDS WITHOUT PERMISSION OR CONSENT, THEY ARE HAVING TITLE COMPANY/WHO POSE ALSO AS FORECLOSURE MILL LAW FIRMS TO ROBO SIGN AND FALSIFY DOCUMENTS TO STEAL PEOPLES HOMES. WHAT ELSE DO YOU NEED TO GET INVOLVED WITH THESE ILLEGAL TORT ACTIONS AGAINST THE AMERICAN PEOPLE. OR IS THIS JUST ANOTHER FECKLESS GOVERNMENT SUBSIDIZED " CONSUMER RIGHTS '' ADVOCACY GROUP THAT PUTS OUT THE FRONT OF " ASSISTING PEOPLE '' BUT INSTEAD ONLY RUNS COVER FOR THE CRIMINAL VIOLATIONS OF SUBSTANTIVE AND CONSTITUTIONAL RIGHTS OF HARDWORKING, LAWFUL, TAX PAYING AMERICAN PEOPLE. THERE HAS BEEN BILLIONS OF DOLLARS PAID TO THE GOVERNMENT REGARDING VIOLATIONS OF XXXX, XXXX XXXX, XXXX XXXX, XXXX, AND ON AND ON, AND YET BECAUSE THESE CRIMINALS HAVE UNLAWFULLY E-RECORDED COUNTERFEIT ENCUMBRANCES ON MY PRIVATE SHELTER AND LAND THEY IS ABSOLUTELY NO ASSISTANCE OR INVOLVEMENT WITH ANY REGULATING AUTHORITY, OR AGENCY, INCLUDING THE CFPB? THE ATTORNEY GENERAL, THE COUNTY RECORDER, THE OCC, THE FTC, NO ONE? JUST A FULL ON CRIMINAL RACKET AND NOT ONE GOVERNMENTAL OVERSIGHT AGENCY IS GOING TO DO A DAMN THING ABOUT IT. THIS IS NOT A DUPLICATE. NOW THE ENTITY WORKING WITH THE TITLE COMPANY/LAW FIRM TO UNJUSTLY ENRICH THEMSELVES OF MY PRIVATELY BUILT HOME AFTER OVER TWO DECADES OF OWNERSHIP. THE RULES THEY ARE SUPPOSED TO ABIDE BY IS FROM THIS AGENCY??? YET THE ONLY THING A FORMAL COMPLAINT YEILDS IS A RESPONSE THAT THE COMPANY " ALREADY LOOKED INTO IT AND DIDN'T SEE ALL THE CLEAR FRAUD, FEDERAL VIOLATIONS AND DISREGARDED LAWFUL TILA RESCISSION, THEY CAN JUST IGNORE IT AND RESPOND " NOTHING TO SEE HERE '' AND CFPB BACKS THEM??? ALLOWS THAT OVERT VIOLATION OF LAW AND CLEAR FRAUD, AND THEN HELPS THEM BY CLOSING WHAT THEY CLAIM IS DUPLICATE COMPLAINTS? UNREAL. I KNEW IT WAS A WASTE OF TIME TO ATTEMPT TO FIND ANY JUSTICE OR HONESTY THROUGH THESE AVENUES. ABSOLUTELY A DISAPPOINTMENT AS I AM HANDING ANYONE THAT CARES ALL THE PROOF, ALL THE FRAUD, CLEAR AS DAY, PROOF BUT NOW I HAVE TO GO LITIGATE THIS TRASH MYSELF. UNBELIEVABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In applying to get this information removed for about the seventh time I will refused to stop trying to because of my rights. Also I have been told that the CFPB hasn't looked because of the fact that they have a XXXX who have an complain in and because of this don't repay and therefore the credit company knows this and gives the same answer and that is not right. It's not my fault nor is it the problem of everyone that has filed an complaint. This information was removed by XXXX because of the facts and therefore moved the it from their records based on the same facts i attached in the to this complaint. There's a need to assure that the consumer reporting agencies exercise their grace responsibilites with fairness impactiality and respect for consumers rights to privacy in applance with the fair credit reporting act 5611. 15. U.S.C. & 16811 states that the information must be deleted.

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 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I opened an account and deposited {$10000.00}. I then travelled. While traveling, I became ill. A debit card that was sent to me was lost. The bank then froze my account and refused to return the money. They have engaged me in lengthy conversation that have taken up to sixteen gourds of times. They have submitted me to painful humiliating conversation. They caused me to miss opportunities, miss trains which caused me to not be able to return to y resting place and stay in the street all night. They have led me to exhaust my phones battery again and again so that I have been in vulnerable, dangerous situations. If I am robbed tonight its because I have been stranded and lost in an isolated place because of their abusive, exploitative, irresponsible and inhumane policies. The refused to take my medical condition, my geographical, my gender and consequent into consideration. They refused to allow me to speak to a supervisor and repeatedly disconnected me causing me to have to call back again and again and again. I have been forced to call at least 26 times today. They have inhumane policies that they claim prevent them from helping me expeditiously.

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 2024-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have requested that XXXX, Transunion and XXXX remove the following collections without success. 

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 : # XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX & XXXX : # XXXXXXXX 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 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) 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 ) ( 1 ) 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 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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have requested that XXXX, XXXX and Experian remove the following collections without success. 

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 Has violated my rights.

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

15 U.S.C 1681c. ( a ) ( 5 ) 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 ) ( 1 ) 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 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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
With zero notice they no longer allow debit card payments. I tried using my linked bank account and it took 5 days for the payment to process and customer service stated it would be another 2 days before my available balance would update. No place to physically go in and make a payment. This is now my only option to pay, and they have the guts to be charging over 30 % interest on top of all of this.

Company response to consumer: Closed with explanation