vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX  can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
CMRE FINANCIAXXXX YOU ARE BREAKING THE LAW! 

This is a warning notice to the alleged wrongdoer of such debt : which you are a debt collector because you are simply attempting to collect a debt. Well multiple alleged debts. I noticed I have been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ). There is evidence of the use of abusive, deceptive and unfair debt collection practices. 

Until you can provide me with documentation stating that I gave you my authorization and request to release my personal and medical information/records, I demand that you block and cease collections on the following accounts from my consumer report. 

-CMRE FINANCIAL XXXX {$65.00}, {$74.00}, {$74.00}, {$100.00} These violations have caused numerous injuries to my life. Under the Health Insurance Portability Accountability Act of 1996 ( HIPAA ), I reserve the right to private, personal and medical records from all third party reporting agencies and collection agencies. 

According to 15 USC 1692c ( c ) ( 2 ) I am involving my specified remedies as a consumer and I am demanding all of the following : Provide proof of a contract between CMRE FINANCIAL and I Stop all negative reporting scribing to all consumer reporting agencies Remove and block all negative reporting activity XXXX out balance Remove any late payment reports Need a Full audit trail For each violation I would like to be compensated {$1000.00} You are civilly liable. If I dont receive a response that will result in additional violation to the FDCPA. 

This letter is a request for validation and remedy for violations continuing to report this medical debt without properly validating and providing me proof of permission is a validation of the FCRA ( Fair Credit Reporting Act ). 

You have 15 days to respond to this request or this alleged debt will be considered invalid and the demand for removal from reporting to the credit reporting agencies will be required! 

Best regards : Done in good faith. Without prejudice. All natural inalienable rights reserved. 
XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX  and they sold it to Select Portfolio Servicing ( www.spservicing.com ). 

I sent my first payment to Select on time at the beginning of XX/XX/2022, and they received it and cashed it on XX/XX/XXXX ( see attached evidence, which I have sent to Select already ). However despite this the money has not been applied to my account and I'm being shown as late as of XX/XX/XXXX. They keep calling me that I'm late and I have explained many times that the check was cashed by them and sent them proof of that from my bank. Despite my multiple calls to them they fail to address the issue and as we enter XXXX I'm worried about what will happen with the next payment. I have a credit score in the upper XXXX XXXX and have been very disciplined with all my debts, I find it unacceptable that my reputation is now at risk due to the inability of this company to properly process my payment. 

My account number with Select is XXXX. Due to the way their correspondence was sent to me this was not clear and I sent the payment with the account number that I had with XXXX XXXX XXXXXXXX. In all fairness, this caused confusion. However given that I have given them all the information to correct it, I find it problematic that they have failed to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've identied inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 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: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
Debt collection account : Account Name : Ability Recovery Services Account Number : XXXX Original Merchant Balance Amount : unknown Collection Balance : {$8800.00} Original Merchant Name : XXXX XXXX  Being reported to XXXX and XXXX XXXX has been disputed due to inaccuracy in XXXX, XXXX, and XXXX of 2022, via certified mail with return signature receipt ; and the most recent letter sent out around XX/XX/2022. Each letter included specific instructions and request for the account to be accurately verified and validated as pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) by providing copies of original contracts and payment agreements with my signature, and a description of their investigation process to include the name and contact information of the person who was spoken to verify the information and the date of which that person was spoken to. My requests also included instructions for the disputed item to be removed from my credit report if such proof of validation could not be provided. Each of my requests were responded to with computer generated response that stated only that the negatively reporting accounted had be 'verified as accurate ', but no proof or validation of the debt has ever been provided per my instructions. 
Validation requests were also sent to the reporting collection agency, Ability Recovery Services and have been ignored with no response.

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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Debt collection account : Account Name : XXXX XXXX XXXX Account Number : XXXX Original Merchant Balance Amount : unknown Collection Balance : {$8800.00} Original Merchant Name : XXXXXXXX XXXX Being reported to XXXX and Equifax XXXX has been disputed due to inaccuracy in XXXX, XXXX, and XXXX of 2022, via certified mail with return signature receipt ; and the most recent letter sent out around XX/XX/2022. Each letter included specific instructions and request for the account to be accurately verified and validated as pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) by providing copies of original contracts and payment agreements with my signature, and a description of their investigation process to include the name and contact information of the person who was spoken to verify the information and the date of which that person was spoken to. My requests also included instructions for the disputed item to be removed from my credit report if such proof of validation could not be provided. Each of my requests were responded to with computer generated response that stated only that the negatively reporting accounted had be 'verified as accurate ', but no proof or validation of the debt has ever been provided per my instructions. 
Validation requests were also sent to the reporting collection agency, XXXX XXXX XXXX and have been ignored with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: OR

Complaint narrative:
Ive called PDM Debt Mediation after receiving a letter of collections for the amount of {$630.00} XXXX for the company XXXX XXXX XXXX and told them that this bill is in Texas and I in Oregon. Ive never lived in Texas and that this is someone else using my SSN.They said to file a police report and with the FTC so this is what im doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America charged me {$850.00} for purchases I never made with a credit card that was never delivered to me ( on XX/XX/2022 ). It's been more than 60 days after disputing these charges directly with BoA and they keep charging me with minimal payments and late payment fees. 
All I received was a letter dated XX/XX/2022, informing me that BoA is researching this claim without any update despite several phone calls. I know the FCBA law protects me from making payments on fraudulent charges so I request your help to complain against BoA and get a positive response.

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: SYNCHRONY FINANCIAL
State: OH

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 Section2 : 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 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: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XX/XX/2019 first investors gave me a balance of XXXX for refinancing my loan from Santander USA which was a illegal loan. The amount is inaccurate because its the same amount I originally purchased the vehicle for.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive sent in dispute letters to multiple inaccuracies of accounts thats on my credit report and their has been NO RESPONSE and its been 1 to 2 years regarding these open disputes. Ive contacted Experian ( certified mail, regular mail and phone ) numerous times regarding this and no action has been taken. 
Ive contacted Experian ( XX/XX/XXXX ) by phone and verified that these disputes are still open which was open in XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX. 
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 Delete this account immediately, unless you want to be held {$1000.00} per violation. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. 

XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In XXXX I started getting charges that I didn't make on my CITI CARDS account. I reported them and they were taken off my bill. At that time, I was given a new card with a new account number. 
This year ( XXXX ) I started getting the same kind of charges to the account. Companies that I had never done business with or heard of. I reported them to CITI CARDS and assumed everything was taken care of. When I started getting billed for them again, I made numerous calls to CITI CARDS to no avail. During this time, I destroyed the card and cancelled the account. This week I have made 2 calls ( each lasting more than 45 min ) and have been transferred many times, with each transfer the connection gets worse and worse and more garbled. 
The charges were : XXXX {$37.00} and XXXX  {$37.00}. As of XX/XX/XXXX the total billing is XXXX with additional fees. 
Account information : CITI CARDS XXXX XXXX XXXX XXXX XXXX XXXX Account Num. ending in 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 monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
In response to the complaint # XXXX, Portfolio Recovery is misleading me to believe they are the owner of this account and have the right to collect on this account. Portfolio Recovery is a debt collector and is regulated by the FDCPA, Portfolio Recovery is now trying to present itself as an " creditor '' since they claim they allegedly brought the debt. By definition ; " Creditor '' means any person who was owed a Debt which was not in default at the time it was obtained by such person. When Portfolio Recovery obtained this account it was in default according to Portfolio Recovery, so therefore Portfolio Recovery is no creditor and is violating the FDCPA by trying to mislead me to believe they are a creditor when in fact by definition Portfolio recovery is a debt collector. 
Portfolio Recovery has provided no proof that they have ownership and a legal right to collect on this account. They have not produced the original promissory note with my signature on it. I believe until proven otherwise since I never did business with them and never entered into any contract with them ; I have no obligation to this account and refuse any debt and any business with Portfolio Recovery. 
According to the UCC if Portfolio Recovery is not the holder in due course of the instrument than they can not enforce collection of the debt. According to the FDCPA it is very misleading to claim they have legal right to collect this debt without really having any legal right. Portfolio Recovery never produced any documents that prove this legal right and ownership of this account, such as the original contract/promissory note. The billing statement do not prove my obligation to pay any debt. The billing statements are also in the wrong name, so I'm unsure if this debt is truly mine. 
Portfolio Recovery is a debt collector trying to mislead me to believe they are a creditor which is another violation of the FDCPA and Portfolio Recovery is unlicensed in Nevada and should not be trying to collect any debt from residents within the state of Nevada. In Portfolio Recovery response to complaint XXXX, they never address the illegal activity of unlicensed debt collection. Portfolio Recovery is not licensed in Nevada and needs to cease collection on this account including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a victim of identity theft. Someone has opened a banking account with Bank of America using my personal social security number, DOB, and using one of my old addresses to set up the account. I did not authorize this account or any other account to be set up and I do not know who is setting up these accounts.

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: Experian Information Solutions Inc.
State: TX

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

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 non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is in major violation. I have attached a copy of the complaint.

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