vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I got a collections notice to my XXXX XXXX and XXXX apps today from Indigo Mastercard. I have never heard of the card or account that I am disputing. I never applied for this card. It never even showed up on any of my credit reports until today when it showed up as a collections account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
This complaint is in regard to my last complaint XXXX. Based on the company response and the status update which indicated that the company deleted the fraudulent account, after my complaint, I was under the impression that Indigo/Genesis realized their error ( that it was never my account ) and would stop reporting negative/delinquency claims to the credit bureaus! Today on XXXX, XXXX XXXX yet another false report was send, this time to a different collection agency. Once again it was Indigo reporting the same fraudulent account, with the exact same amount of {$680.00} which was supposed to be deleted from my records for good. I had just barely recovered from the last time this institution filed a false report with a collection agency against me. Once I was able to recover, after the credit bureaus investigated and confirmed i was a victim of fraud my credit score improved significantly. Today Im looking at what I could have achieved and my missed opportunities due to the fact that the same company went to a different collection agency and reported the same account that was supposed to be closed because I never had anything to do with it! This company is ruining my life! I was trying to buy a house and I was so close to getting the credit score I needed. This report changed my status from good to fair I was working so hard to boost my credit score! i have every proof that this account if fraudulent. However, the time it will take to dispute and resolve this matter will cost me yet another opportunity to buy a house. All this has cost me over a year of missed opportunities with no end in sight! I never knew Indigo, Genesis or whatever they call them selves existed until they repeatedly filed false claims against me! I want to be very clear! I have never opened an account with this company before nor did I apply for any line of credit with this company and most importantly I would never use this company in the far or near future! 

One important aspect about this resent collection report is that it indicates that l allegedly opened the account in XXXX. However, it shows one late payment in XXXX of XXXX which is this month! How can an account be delinquent in less than 30 days? Another aspect is that the credit institution is Indigo and they are claiming the same amount of {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
I have been contacted several times about debt that Portfolio Recovery Associates will not verify when I have asked in writing and verbally, I look at debts that are close to the amounts they are claiming and those debts are past the statute of limitations, and they changed the debt amounts constantly. They threatened to sue me, they have taken action to garnish my check, they have scared me into paying debts that quite possibly are not mine by threatening me with court. They will not stop calling me and will not verify the debts they say they are trying to collect eventhough they say they will within 30 days. I am still receiving calls from them, they have placed fraudulent information on my credit report, they are trying to ruin my life!!!! Please help me!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 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: CURO Intermediate Holdings
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery was/is harassing me and has been for YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: OH

Complaint narrative:
Hello good day, XXXX XXXX has made XXXX INQUIRED on my Credit report for over Two years now and I'm just finding out to have my credit repaired and this is just one of the reasons my score will not go up??? 
XXXX, XXXX {$1000.00} for every unauthorized Inquired on my report without my PERMITTION. 
due to XXXX  XXXX  Negligence making a XXXX INQUIRED on my report has made my credit scores remain in the 400 'S FOR YEARS NOW.

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 2023-04-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Received a letter from XXXX XXXX about an account I had previously dealt with from XXXX XXXX. XXXX who was the original debt holder had removed it from my credit report around XXXX of 2022. Now XXXX XXXX  is attempting to collect and has put it on my credit report which is a direct violation of the fair credit reporting act. In addition they could not validate this debt as it had nothing whatsoever to do with them since it was removed months ago from my report. XXXX XXXX reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I received numerous calls and was even reported to the credit bureaus for a debt that Ive disputed numerous times. Each time the debt was disputed. I was told that it was assumed to be valid. I was being told I needed to file a police report for a very old death and to me I felt like they knew it wouldnt be done after sending you three different loopholes. This debt should be removed from my credit report, and Ive asked numerous times with no assistance, but constantly calling me to threaten court and legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Torriere Holdings INC
State: SC

Complaint narrative:
A debt collection by the name of Spire Recovery Solutions are commiting a conspiracy against my rights by unknowingly obtaining my personal information in an attempt to collect an alleged debt from. They have violated my natural born rights by stating that I owe an alleged debt without providing proof of rights to the alleged debt. They have not received any consent from me to contact me or to even possess my information which is identity. I have corresponded in writing asking for proof that they can attest to on an affidiavit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I changed car insurance companies. The policy was paid in full upon cancellation. prior to canceling my contract with XXXX, Ihad a new policy with XXXX. I filed a complaint with the collection agency stating that Ive never owned this debt, and they still put it on my credit report, nor contact me any further regarding the information I sent them, I then called the collection agency to find out what I could possibly owe to XXXX because the policy was paid in full and was told that my policy with XXXX did not overlap with XXXX  and it did. My new policy took affect XX/XX/2022, the old policy canceled XX/XX/2022. I followed all laws and rules regarding having continuous car insurance coverage and should have not been billed {$190.00} when I had a car insurance coverage and effect. I ended up paying {$190.00} just to get it off my credit report but this was not debt that I owed and I was scammed by XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
This is through portfolio recovery. This is an old debt and would like to be able to get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I asked the company to stop calling because the debt was over 12 years old and had been written off and was not longer on my credit report. They continue to call me multiple times a day using different phone numbers that I keep blocking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: OH

Complaint narrative:
My younger sister used my name to get her and her boyfriend phones at XXXX. I have XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: ERC
State: NC

Complaint narrative:
Enhanced Recovery Company ( opened XX/XX/XXXX ) {$150.00} XXXX XXXX XXXX ( opened XX/XX/XXXX ) {$550.00} XXXX XXXX ( opened XX/XX/XXXX ) {$630.00} In accordance with the Fair Credit Reporting Act, the companies listed above have violated my rights. 15 USC 1681 section 602 ( a ) states I have the right to privacy.

15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish an account without written instructions. 15 USC 6801 states the protection of nonpublic information. 
The Fair Credit Reporting Act ( FCRA ) includes a section known as permissible purpose. 
It establishes the need for written consent or documentation from the consumer before a financial institution can pull the individual 's credit report. 
15 USC 1681 ( 1 ) ( a ) ( b ) ( i ) ( 3 ) states a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. A consumer may elect to have the consumers name and address excluded from any list provided by the consumer reporting agency under subsection ( c ) ( 1 ) ( b ) in connection with a credit or insurance transaction that is not initiated by the consumer. 
Please be advised that under Federal Statues, the Fair Credit Reporting Act ( 15 USC 1681 et seg ) and my consumer credit statutes and subtitles D of the ARRA, section 13401, Application of Security Provisions, and Penalties to Business Associates of covered entities and S.E.C. 13407 ( 1 ) BREACH OF SECURITY. 
The term " breach of security '' means, with respect to unsecured PHR identifiable health record acquisition of such information without the authorization of the individual you may be held liable. 
Please note that these liabilities are under the penalty rules of the Omnibus Finale Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH ) as issued XX/XX/XXXX. 
HIPPA and North Carolina 's medical privacy statutes and the provisions of the ARRA section D, privacy provisions, the penalty rules of the ( HITECH ) Act as issued XX/XX/XXXX and the Omnibus Finale Rule were effective XX/XX/XXXX and the Fact Act final rules XX/XX/XXXX, are in effect in this situation. The Privacy Act prohibits a covered entity from using or disclosing an individual 's Protected Health Information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I have reached out to this company every month for the last 3 months asking them to validate this debt they say I owe and they have refused to validate. I then asked to remove it from my credit report and its still on my credit report. Thats a violation. If yet cant proof thats its mine turn they must delete it. I dont even know who this company is. I am asking you to have credit collection Serv to either validate this account by showing my signatures and my identity or delete it immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Please see acknowledgment of no notification of the modification in XX/XX/XXXX. I never requested a modification in XXXX, ; I complained about the closing disclosure being changed at the closing table. Please see there are several contradictions in wells fargo responses and documents. Please see the title clearance and modification. please see the denial of the modification. I never received any noticed the modification was denied. I called for an update and received that message. I was told to make payments for months. I made all payments with a little extra. but, was ever notified about the denial. please see payment history attached. please see wells fargo telling me I must submit income in order to be considered for a modification. although they stated they did not require. payments changed due to and escrow overage and I've been paying more than the balance due. what happened to the money why did the payment go up again.

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 2023-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In late 2021, I called Bank of America to request a reduced APR for my credit card. The person, male, who answered the phone advised me that if I opened a new credit card ( i.e. a second credit card ), if I did that, that I could take advantage of their 0 % interest transfer and be able to transfer the entire amount that was currently on my Allegiant Credit Card to the new Credit Card and have 0 % financing for 18 months. I agreed based on this information. 

The truth is that this was not an accurate statement. So, my credit was dinged by Bank of America for opening a new card. I complained several times to the company. Bank of America offered to close the account- which I understood would ding my credit again, and they agreed that it would happen if they closed the account. But they never provided anything other than we are sorry and will talk to the employee who did this and said these things. 

This still infuriates me as I relied to my detriment on BOA 's representation that I would be able to have 0 % interest on my balance for 18 months. At no time has this happened. 

This is flat out fraud, and I advised them of this. I even called the fraud line for BOA and the only recourse they had was to close the account, which, again, would hurt my credit score. It did not occur to me until today that I could file a complaint with Consumer Protection. 

I believe this is standard practice for BOA to get as many credit cards out to people as possible. I would like BOA to have consequences for their agent's/employees behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$26000.00} National Credit Systems XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX at XXXX XXXX  XX/XX/XXXX {$4600.00} I called on several occasions and was told I had to pay that debt or they were going to keep harassing me and calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I FILED A COMPLAINT WITH YOUR OFFICE AND YOU SENT ME THEIR RESPONSE, THEIR RESPONSE IS IN REGARDS TO INCORRECT INFO ON MY CREDIT REPORT. PLEASE READ MY COMPLAINT AGAIN SINCE YOU IGNORED MY COMPLAINT THAT CLEARLY STATES I AM NOT DISPUTING MY CREDIT REPORT I WANT TO TEMPOARILY REMOVE THE SECURITY FREEZE ON MY CREDIT REPORT. I CAME TO YOU ASKING FOR YOUR HELP AND YOU SEND ME A RESPONSE FROM THE COMPANY ( TRANSUNION ) THAT SAYS NOTHING ABOUT GETTING PIN NUMBER OR ANYTHING ELSE I NEED TO TEMPOARILY REMOVE THE SECURITY FREEZE. IT HAS BEEN MONTHS SINCE I ASKED FOR THIS INFORMATION ONCE AGAIN I AM NOT DISPUTING MY CREDIT REPORT PLEASE READ THE COMPLAINT I MADE AND THE RESPONSE FROM THE COMPANY SAYS NOTHING ABOUT GETTING ME A PIN NUMBER OR WHATEVER IS NEEDED TO TEMPOARILY REMOVE THE SECURITY FREEZE. HERE IS MY ORIGINAL COMPLAINT PLEASE READ IT MY COMPLAINT SAYS NOTHING ABOUT DISPUTING ITEMS ON MY CREDIT REPORT. HOW MANY TIMES DO I HAVE TO FILE A COMPLAINT WITH YOUR OFFICE FOR YOU TO RESOLVE THE PROBLEM INSTEAD OF IGNORING WHAT I ASKED FOR IN MY ORIGINAL COMPLAINT, I WILL DO SOME RESEARCH TO SEE WHOM I CAN CONTACT IN REGARTD TO YOUR COMPANY IGNORING MY REQUEST TO TEMP REMOVE A SECURITY FREEZE PLEASE READ THE COMPLAINT AGAIN TO SEE THAT I SAID NOTHING ABOUT DISPUTING INFO ON THE CREDIT REPORT I NEED TO REMOVE THE SECURITY FREEZE FROM TRANSUNION ASAP. THEIR RESPONSE SAYS NOTHING ABOUT THAT PLEASE READ THE COMPLAINT AGAIN SINCE YOU ARE NOT RESPONDING CORRECTLY TO MY ORIGINAL COMPLAINT NO 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 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Various calls throughout the day, everyday especially on weekends after XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Received a credit card from XXXX XXXX XXXX that I did not apply for. Later received a replacement card that I did not request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Portfolio recovery constant mail and phone calls. Don't remember dates.

Company response to consumer: Closed with non-monetary relief