vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery XXXX XXXX based in Virginia- is committing consumer Fraud and Harassment- they left a voice mail identifying me by name saying that they were attempting to collect a debt. ( I do not have any debts in collections. Any debt I do have is paid regularly and on time. ) I called the XXXX number ( the call I had received was a local number. ) the woman asked for my SS #. I did not give it to her. She said she could not give me any information about why they were calling without it. I have not received any mail or letters regarding any of this. I went to their website and demanded a debt validation letter. ( See evidence below ) If this is legitimate then they should have to prove it. 
This is fraud. My credit monitoring company alerted me of a fraudulent attempt to secure a loan and I stopped it from being approved. I locked all of my credit reports in XX/XX/2021. This attempt to collect a non existent debt and find out my social security number is illegal. My credit report is clean with no past due payments and no collections owed. Please help. I have read that they ruin peoples credit ratings fraudulently. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 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: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
I received a pamphlet on an XXXX XXXX flight offering an opportunity to sign up for a Barclays mastercard. The information in the pamphlet explicitly offered XXXX miles and the waiving of the {$99.00} annual fee for the first year after opening an account using a promotional code XXXX included in the pamphlet and making a purchase. 
I applied, included the promotional code ( XXXX ) and was accepted. The Barclays mastercard credit card account was opened on XX/XX/2022. I made required purchases. I received the miles promised but was charged {$99.00} for the first year. I called numerous times but they refused to honor the {$0.00} intro annual fee for the first year as advertised in their pamphlet.

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 2022-08-31 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: AFNI INC.
State: CA

Complaint narrative:
I need that I am not requesting a " verification '' I am requesting a validation that is competent evidence that I have some contractual obligation to pay you. 
Please provide at least the following information within 30 days from the date your receipt of this request for validation : 1. Name and address of alleged creditor : 2.Name on file of alleged debtor : 3.Alleged account # : 4.Address on file for alleged debtor : 5. Amount of alleged debt : 6.Date that this alleged debt became payable : 7.Date of original charge off or delinquency : 8. Copy of the contract and any amendments as this will show what the terms of the contract so I can see if you are following this in the amount you are trying to collect from me ; + 9. Was this debt assigned to debt collector or purchased? 
10. Purchased agreement if the debt was purchased so that I can see if you really own this debt : 10.Agreement that bears the signature of the alleged debtor wherein I agreed to pay creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Im being told that I owe XXXX for a card Im very unaware of The card was opened back in XXXX of XXXX  Also shows a secured loan and a bank account that was used as well Where withdraws and deposits were made I just settled the same case with XXXX XXXX which I did not have at all but it finally got closed after 3 months of me being told my info was verified

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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called on XX/XX/XXXX to update my name and address, which made a dispute. Due to having those open disputes, I could not see any updates to my online account. To cover myself, I sent in letters on XX/XX/XXXX requesting TransUnion to verify seven accounts and also to remove any names & addresses associated with my account that did not " mirror '' my legal driver 's license, real id identification card, and my social security card that I provided a copy of in the letter they received on XX/XX/XXXX. 

I immediately called when I was able to see my dispute on the portal. The " Completion date '' on the TransUnion portal, exceeded 30 days, so I called. I spoke to a supervisor by the name of XXXX on XX/XX/XXXX, and he told me that the letter that I submitted on XX/XX/XXXX was not sent out until the end of XXXX, and he has no excuse or idea why it was sent seventeen days later and that he would have his boss call me in XXXX business days or I can call the following morning. 

On XX/XX/XXXX, I spoke to another supervisor, XXXX XXXX, who told me that I had no choice but to wait until XX/XX/XXXX, at that the displayed completion date on the portal was accurate, even though I told him it exceeded 30 days and to wait for a call back as there was a ticket in to call me back. 

Then today, XX/XX/XXXX, I spoke to multiple supervisors who sent me to XXXX XXXX, who was the highest supervisor, and he told me there was a dispute on XXXX over the phone for all seven accounts. I do not recall disputing these accounts over the phone or online. He told me nothing was done with my letter from ( XX/XX/XXXX ) and that they have five working business days to send it to the creditors, which would have been ( XX/XX/XXXX ). 
In closing, my certified letter received by Transunion was disregarded, along with the legal documents verifying my identity, along with the accounts needing to be verified were disregarded. There is an open Dispute on XX/XX/XXXX, but I don't believe it is tied to my certified letter, and if it is by law meaning, they have to provide me with an update, but according to all the supervisors, I have communicated my concerns I couldn't get a straight answer. I was told I will not receive a response on XX/XX/XXXX by all the people I communicated with. Instead, I should expect an update now by XX/XX/XXXX ( 43 days from when I sent my Certified Letter ), which is why I am filing a claim now because I was told I would not get a response by the XXXX. Obviously, someone dropped the ball, and I shouldn't have suffer due to TransUnion 's error.

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 2022-08-31 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: BMW Financial Services NA, LLC
State: SC

Complaint narrative:
In accordance with the fair credit reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy on all accounts.

15 USC 1681 Section 604 A Section 2 : It also sates a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose or reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This is insane. I deposited a check through cash a check feature on PayPal. I even paid a {$5.00} fee so I could get the $ in 10 minutes. Hours later I realized I got an email telling me check was accepted and to void the check and submit picture of that. Then I was told check failed. This is unbelievable. Now I have a voided check and no money. I needed if hours ago. How can they tell someone check accepted and to void it and then not accept it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
on XX/XX/XXXX i closed my loan with XXXX XXXX XXXX XXXX. my loan sold at the closing table to home point financial. my total monthly payment at the time of closing was XXXX this included monthly MI XXXX, XXXX XXXX XXXX of XXXX, XXXX of XXXX and taxes of XXXX per month. my new home was new construction so the property taxes were an estimate at the time to be XXXX per year. when the tax bill came out later that year they were only XXXX per year so naturally i am expecting my payment will go down. my HOI did increase from XXXX to XXXX per year so i expected my new payment should be XXXX in XXXX of XXXX XXXX XXXX XXXX took XXXX from my escrow account and erroneously paid someone elses property taxes. then they sold the loan to freedom mortgage. i had no clue at the time. it was XXXX of XXXX that i became aware that something was wrong. i happened to notice that my escrow account was substantially negative so i went to my sister-in-law, who is a mortgage broker, for guidance. i contacted freedom mortgage and pointed this out and asked them to fix this and they said it would be fixed by XXXX. instead of fixing the issue they reassessed my escrow account and sent me a statement on XX/XX/XXXX saying that my new payment will be XXXX!! i have explained this error multiple times to multiple people at both XXXX XXXX XXXX and at Freedom Mortgage. no one seems to want to fix this. XXXX first said that XXXX made the mistake and would have to reimburse the XXXX but then XXXX said they sold the loan to Freedom so they are no longer responsible for the error regardless that they made it. Freedom keeps saying they are going to fix this but as of XX/XX/XXXX by escrow account is still negative, they have not reimbursed my escrow account. they did reduce my monthly payment to XXXX but this is still NOT correct. my next payment is due on XX/XX/XXXX and this needs to be corrected!! i spoke to XXXX in escalation ( at Freedom ) on XX/XX/XXXX and she assured me, actually PROMISED me that it would be fixed by XX/XX/XXXX. i have been very patient with waiting for all of this to be corrected but that patience has RAN out as they still have not fixed ANY of this! I feel I had no choice but to file this complaint. This is NOT how i expected my first home purchase to go. Freedom did pay the correct tax bill for my property and absorbed the {$14.00} late but that is it. Please HELP ME GET THIS RESOLVED. They are not doing what they keep telling they will do. this is wrong. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CA

Complaint narrative:
It has come to my attention that Discover has denied me credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me via email which is an adverse action pursuant 15 USC 1691 ( d ) ( 6 ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making Discover an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a loan application because banks can not loan money pursuant to 12 USC 1431. Furthermore, according to the FDCPA pursuant to 15 USC 1692j, therefore identified is noted to be deceptive. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report providing the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with respect to ANY aspect of a credit transaction as Congress states No credit card shall be issued except in response to a request or application thereof pursuant 15 USC 1642.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-09-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These loans were secured ties ..the school went out of business. The fraudulent school status to receives grants that were not accredited I was unable to secure a job, they obtained loans without accreditation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: TX

Complaint narrative:
XXXX XXXX XXXX Account # XXXX XXXX & XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 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 explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I have reach to XXXX XXXX many times to update my late payments on my credit from XXXX. I just placed another call XX/XX/XXXX and a rep stated on a recorded line they can't see my account dated that far back. How was this looked into before

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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I have reach to XXXX XXXX many times to update my late payments on my credit from XXXX. I just placed another call XX/XX/XXXX and a rep stated on a recorded line they can't see my account dated that far back. How was this looked into before

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 2022-08-31 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: LEXISNEXIS
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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