vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private information. 

As of today XX/XX/2022, XXXX, I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private information. Also, I do not have a contractual obligation to your company as I have never signed a contract with you, nor gave you consent to have any of my private information. 

I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. 

Which is what your company Fair Collections & O XXXX XXXX is doing by demanding I owe an alleged debt you were prohibited to take this account in the first place but you decided to buy this alleged debt anyways, Therefore I demand your company, its partners, and affiliates to remove the collection account from my consumer report for infringing my right of privacy within 10 business and I prohibit your company from transferring this account to another debt collector.

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 2022-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Opened XXXX XXXX, 2018 PORTFOLIO RECOVERY Account status Open {$1200.00} that i owe. 

I have never signed any written document saying that I owe this debt to the collector. 
they are violating my right of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
also, they have not verified that i owe this debt to this alleged company. 
please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Experian consumer reporting agency is reporting Inquires on my consumer report that I did not Authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FICO- XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/XXXX went to purchase XXXX Truck from XXXX XXXX XXXX XXXX, TN. Advised Finance Mgr to obtain financing from personal bank XXXX XXXX XXXX XXXX. Finance Mgr advised XXXX XXXX XXXX was not answering inquiry and they had reached out to other financial institutes for approval. XXXX XXXX XXXX later answered and approved financing for the truck. Now, XX/XX/XXXX, one year later my credit score drops XXXX points!!!?? 
Shortly thereafter purchasing the truck I went to XXXX XXXX XXXX with a handful of mailed notices I had received for denied financing and spoke with the Finance Mgr on duty. I was advised not to worry about the notices they would not affect my credit score. One year later, I see that is not the truth! I am in very good standing in all other areas with credit reporting. I want my credit score reinstated back to what it was XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX keep reporting interest on a charge off account. U have requested a debt validation which was ignored. Every month Im billed interest rate on a closed account. Ive tried disputing with credit bureaus and always comes back as verified. This account reporting is deceitful and need to be checked out asap. This company has already had finalized deal with my insurance when I had an accident with supposed vehicle.

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX keep reporting interest on a charge off account. U have requested a debt validation which was ignored. Every month Im billed interest rate on a closed account. Ive tried disputing with credit bureaus and always comes back as verified. This account reporting is deceitful and need to be checked out asap. This company has already had finalized deal with my insurance when I had an accident with supposed vehicle.

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 2022-09-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My complaint is against Experian directly. They easily allowed someone stealing my identity, starting the latest round about a month ago ( which has been ongoing for eight years ), to change at least my email address twice, then tunnel into my credit file and begin deleting key information like previous living addresses and my wife. Their customer support is pathetic. You can not reach anyone during their limited working hours unless you trick their phone system by requesting an upgrade. If you try to correct rogue login information it sends emails to the person stealing your identity. I spent fours days in total stress knowing that someone had full access to my credit information, and were able to make random changes. The illegal activity email address is XXXX, which I also reported to the federal internet crimes website. The number part is the zip code where they have fraudulent credit cards sent as a swap to a real address. In the latest round with Experian they removed a free upgraded service I had from the earlier data breach, then signed me up for one I need to pay for without noting a cost to me. It seems like their goal is to make money, not to be the caretakers they need to be to protect credit information. Is anyone actually regulating Experian to protect consumers?

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 2022-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am currently a day trader and have every legal right to access my funds. I have XXXX locked in Venmo for reasons they have not explained. I have verified my identity with the company and yet they have not granted access to my remaining balance. I have contacted the company numerous times starting on XX/XX/2022. They say they can not give any further information out because that is not in their department. Please help me resolve this matter as fast as possible. I need my funds to continue to provide for my family. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter Business Service, Inc.
State: MA

Complaint narrative:
I was contacted by Carter Business Services , Inc. regarding a bill from XXXX XXXX XXXX. This bill was paid in full on XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: OCEANFIRST FINANCIAL CORP.
State: FL

Complaint narrative:
I attempted to use my debit card on XX/XX/22 and received an unusual error. I noticed that the card was expired. When trying to contact the bank no one was available and all locations and numbers said the bank was closed. I was never sent a new card or did not receive it. On XX/XX/22 I called the lost or stolen card number to report that I never received my card. They advised me that the bank never sent me a new debit card. I filed a complaint with the lost or stolen card company working with my Ocean First bank. I have numerous bills that are set for auto payment and all of my money is in this bank account. I currently have no access to any of my money and when my auto payments try to go through they will now be denied and I will be charged fees because the bank did not send me an unexpired card and I can not reach anyone to resolve the matter. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Opened XXXX XXXX XXXX  Account status Open PORTFOLIO RECOVERY {$2600.00} That I owe I have never signed any written document saying that owe this debt to the collector. 
they are violating my rights of the FCRA as a consumer. 
i do not know who they are and have not written consent from my end. 
also, they have not verified that I owe this debt to this alleged company. 
please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has asked me to file his complaint Please don't close this again at both mine and Bank of America 's request until it has been sent to them. They are unaware of the below information. 

There were a few things I wanted to bring to your attention. 1. I was told when I first filed the complaint that it was well within the time limits to get the charge reversed. This was reinterated on a second phone call. 2. I was told when the resolution finally came forward, that there were just too many other people that had filed and they never got around to doing proper research and thus had missed the subsequent deadline to actually take action. 3. I had rented three units with XXXX properties and was overcharged on two of those rental units. One I had paid for with Bank of America Credit Card and the other I utilized my XXXX XXXX XXXX. I filed claim disputes with both at the exact same time. XXXX was able to reverse the charges working with the condo rental company. Given they were both XXXX cards and were for the exact same dates ( both the initial charges and the filing of the disputes ), I don't think your explanation makes complete sense to me. Can we escalate this as not only do I want the {$320.00} reversed and sent back to me but I want to help improve your systems for other clients. I look forward to hearing from you. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: Experian Information Solutions Inc.
State: IN

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


15 U.S.C. 1681 Section 604 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 2022-09-04 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private information. 

As of today XX/XX/2022, XXXX, I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private information. Also, I do not have a contractual obligation to your company as I have never signed a contract with you nor gave you consent to have any of my private information. 

I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. 

Which is what your company Credit Collection Serv XXXX is doing by demanding I owe an alleged debt you were prohibited to take this account in the first place but you decided to buy this alleged debt anyways, Therefore I demand your company, its partners, and affiliates to remove the collection account from my consumer report for infringing my right of privacy within 10 business and I prohibit your company from transferring this account to another debt collector.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Opened XXXX. XXXX, 2018 Account status Open PORTFOLIO RECOVERY {$2100.00} That I owe I have never signed any written document saying that owe this debt to the collector. 
they are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
also, they have not verified that I owe this debt to this alleged company. 
please have this removed from all three credit bureaus. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: NY

Complaint narrative:
I pulled my credit report to make sure everything is correct and I came across information not matching. 
Everything on my credit report needs to be 100 percent correct or I have the right for a deletion. They have made several violations against me XXXX XXXX XXXX XXXX Acct Type- Detail information does not match Trans Union and XXXX XXXX Opened-information does not match Trans Union and XXXX XXXX Limit-information does not match Trans Union and XXXX Last Reported-information does not match Trans Union and XXXX Comments-information does not match Trans Union and XXXX Date Last Active- information does not match Trans Union and XXXX Date of last payment - information does not match Trans Union and XXXX Also XXXX is still reporting my account every month when they no longer have my account These are all violations especially still reporting ok as you can see in my credit report page I supplied.

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 2022-09-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Here recently XX/XX/2022 I pulled my credit report from Experian.com and noticed several inquiries for auto loans and credit cards over the course of the last few years that I have no knowledge of and did not authorize. I placed a freeze on my credit report on XXXX after receiving notifications via email that my experian report had been recently checked by a lender I reached out to Experian on XXXX to inquire about these inquiries and to get further assistance on getting them removed because they should not be on the report but the representatives I spoke with could not assist and refused to further investigate. I spent several hours on the phone with them speaking to supervisors, fraud and being transferred countless tomes to get to the bottom of this. I still have not gotten a resolution with Experian! The inquires on experian that were unauthorized are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX I have sent letters certified mail to Experian on XXXX as well as filing this complaint in hopes to get them removed and for further investigation to be done. The credit freeze will remain in place.

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 2022-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
TO WHOM IT MAY CONCERN. As you requested that your office be updated on this case. As of now the sale date XXXX of XXXX. Mr Cooper requested all information to do a modification. All the information reqtired for the modification has been sent mr cooper. The problem is that Mr copper has not requested for the court to extend the sales date. To allow the needed time to finish the modification. We are writing to you to help us request an retention date., .We are still working with XXXX XXXX XXXX We need time to complete with that. To enable us to save our home. The court appointed a mediator. The court mediator did everything to have a work out. The bank will not corporate. The bank came up with a monthly payment of over $ 7000 monthly. Knowing very well that is not practicable. The court mediator approve for us to go to the XXXX XXXX We are now working with XXXX XXXX. They said that they will need 60 days to finish the process. Please see some of the correspondence with the XXXX XXXX. The bank now have refuse to give us the time to finish the process. They have refuse to change the sale date. The XXXX of XX/XX/2022. Please see the court information. We are appealing to your office to help us to appeal to the bank to allow the process with the XXXX XXXX And the bank recent request for all our documents to do a modification. We just forwarded all the bank requested information to the bank. The bank need to extend the sale date to allow all this process. Our situation is urgent. We appeal for your office to help us. The bank has one goal in mind., That is to write off XXXX XXXX XXXX in there tax return. They have compounded interest and other charges in the principal of the original loan amount. In hope that you will came to our rescue. Thanks in anticipation. XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Connecticut, XXXX. 
XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation