vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance One, Inc.
State: CA

Complaint narrative:
Alliance One sent me a document in the mail claiming that I owe a debt. Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor Alliance One has failed to provide 3-5, and therefore, is in violation of the law. Not only did they not include it in the initial communication, they failed to send it within 5 days. As you can see, the date was XX/XX/2021 and today is XX/XX/2021. Attached is the communication I received from them, the first picture is of the front, the second picture is of the back. 

This is a clear violation of the law and is not equitable or fair to me, the consumer, in which they are claiming this debt is owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 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 — Was not notified of investigation status or results
Company: Rushmore Service Center, LLC
State: FL

Complaint narrative:
On XX/XX/2021 I received

a letter from Rushmore Service Center attempting to collect a debt that I do not owe. I then sent out a cease and desist letter, an affidavit of truth and an invoice with the list of violations this company has. I have never done business with Rushmore Service Center, I did not authroize them to communicate with me and an investigation was never done, because if it was I should have received the documentation to prove it was completed. I am the consumer in fact, natural person, original creditor, lender, executor Pursuant to 15 USC 1692c ( a ) Communication with the consumer generally was not given to you by me. Pursuant to 15 USC 1692c ( b ) Communication with third parties I did not give you consent to contact me. Pursuant to 15 USC 1692j ( a ) It is unlawful to compile a form in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Please note that I am holding you civilly liabile for noncompliance according to 15 usc 1681n

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: Kikoff Inc.
State: AL

Complaint narrative:
Kikoff is reporting to XXXX  that I was 90 days late on a {$12.00} loan. I have attached the 2 screenshots proving I was never late let alone 90 days and the account was paid off. They clearly have me confused with someone else or this is some sort of ID theft problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: NY

Complaint narrative:
[ RE : remove all inquiries from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ someone pulled my credit report without my permission. it was 18 hard pulls without my permission on transunion, XXXX, and XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Misc.

XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX  Inquiry from XX/XX/XXXX Bank Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply.

Sincerely, [ Your Name ]

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 2021-08-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. They are reporting a collection as an Open account that is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hi. Equifax and XXXX XXXX continue to report false information on my CBR about an auto loan that was paid via XXXX and my gap insurance in XX/XX/XXXX. Equifax even reported my balance at XXXX  and a few months later reported a new balance. My car was totaled and I owe nothing. XXXX has continued to harass me and violate FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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 — Problem with personal statement of dispute
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Check n go has conflicting dates as to when this account was opened one date is XX/XX/2018, according to my transunion credit report. And it reports XX/XX/2018, according to XXXX. This debt collector has re-aging inaccuracies the date of the first delinquency on a cunsumers account to a later date and duplicate reporting, particularly following transfers ect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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 received hospital care last XXXX. Part of that was a consult from XXXX XXXX XXXX XXXX XXXX. My name on the bill received was incorrect. I contacted XXXX and told them the amount was covered by my medical Insurances and I gave that information. However, I kept getting bills. I spoke to XXXX multiple times. I wrote two letters. I was told multiple times, that this will be taken care of and I would hear back. This has not happened. It was like starting over with each person I talked to- they appeared to have no knowledge of the information I had provided or my attempts to correct this error on XXXX 's part. At XXXX 's request, I called XXXX who told me the bill was paid. 

Now I have been contacted by a debt collection agency. Carter Business Associates- who states I owe this amount to XXXX XXXX , who I have never had any dealings will.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I woke up today and notice inquired on my consumer report. I dont recognize the inquiries. I did not apply for anything. I believe the inquiries are fraudulent. XXXX  Equifax & XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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:
Hello, I woke up today and notice inquired on my consumer report. I dont recognize the inquiries. I did not apply for anything. I believe the inquiries are fraudulent. XXXX  XXXX  & Experian XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021 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 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and I do not have a contract with PORTFOLIO RC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: PA

Complaint narrative:
I was the victim of a scammer in XX/XX/2020. The scammer asked for a cash advance from my Discover card in the amount of {$10000.00}. Discover never asked me if this was legitimate and went right ahead disbursing it. I didn't find out about it right away. 
My lawyer wrote to them asking for an explanation. They did not reply. They earlier claimed they had investigated this and held me responsible. I have never, ever, asked for a cash advance from any credit card, and certainly should have been asked to approve the transaction. I am a senior citizen and this is a lot of money they expect me to pay. 
This transaction occurred on XX/XX/2020. I will be glad to answer any questions you have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MONEY SOURCE, INC., THE
State: NJ

Complaint narrative:
I had an FHA approved forbearance from XXXX with XXXX XXXX, I resumed regular payments on XX/XX/XXXX. 
My forbearance paperwork 'Promissory Note ' was sent with incorrect information on the documents. The documents stated I am delinquent 8 payments, my forbearance was only 6. 
My loan was sold without the documents being corrected and this issue left outstanding. The new servicing company is the Money Source. They have also generated the same incorrect information as the previous company and will not make the correction. 
Furthermore, I have asked the legal department and the loss mitigation departments of the Money Source to provide the guidelines to me via email that allows them to charge me an additional 2 payments, so I may be informed. No one has provided that information. The accounting department of The Money Source shows 6 payments due. Please find out why they will not generate paperwork with the correct amount due. I am NO longer in a forbearance period and have been making monthly payments since XX/XX/XXXX. Forbearance is payment for payment. They are now threatening to report my credit if I don't sign the documents. They are telling me that my payments aren't due but I have been receiving monthly statements to make payments for 3 months. 
Please help! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates is in violation of 15 USC 1692c ( c ) of the FDCPA.

It clearly states : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except - ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy Not only did Portfolio Recovery Associated contact me against my wishes via mail after I sent them a cease and desist in writing, their communication was outside of the 3 things that are allowed via the law after they receive such notification from a consumer. They are also still communicating with me INDIRECTLY through a MEDIUM ( my consumer report ) - which the CFPB states on their website is OPTIONAL.

Reference the definition of " communication '' pursuant to 15 USC 1692a : the term " communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

They are clearly in violation of the law ( FDCPA ). They are harrassing and oppressing me by continuing to contact me against my wishes as a protected consumer. 

Attached you will see that I sent my cease and desist on XX/XX/2021 and they contacted me on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery has violated the cease and desist notice sent to them On XX/XX/2021 by I. Portfolio Recovery has sent me letters during this 30 day investigation period after asking them to NOT communicate with me. Portfolio Recovery has also been sent a notice of default XXXX XX/XX/XXXX, XXXX and signed upon delivery, I have attached notice of delivery and cease and desist letter to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I booked a vacation package with XXXX  XXXX XXXX XXXX on XX/XX/XXXX. I put a deposit of {$300.00} down via PayPal. On XX/XX/XXXX, The XXXX XXXX XXXX went into administration ( bankrupt ) and it is no longer trading as a business. 

PayPal has rejected my claim on the basis that I am out of the time-frame to claim. 

Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. 

The time limit for making a claim should start from the date I was expecting to receive the service/trip not from the purchase date, given I was buying something to be delivered in the future. 

In my case this date should be my refund credit note expiry date of XX/XX/XXXX. Alternatively, as I was not able to open a dispute through their system since I was outside of the team limit, they may use the date I found out that I would not receive the trip ( XXXX XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP Morgan Chase Bank offered me a {$300.00} bonus to open a savings account. I went through all the necessary steps with maintaining a large sum of money and setting up a direct deposit. When I spoke to an agent in XXXX they confirmed that all the necessary steps were in place. However, I did not receive the bonus when it was due. This marketing program is an Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) violation as the instructions were not clearly outlined. My husband set up the same direct deposit a few months ago and received his bonus. It is deceiving for Chase to ask to hold your money then be unclear with the instructions and not follow through on the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Good morning : I notice several inquiries that I have no knowledge of the inquiries consumer report. It seems that these alerts are inquiries. I didnt not give any consent to anyone. Pursuant to 15 U.S.C. 6821 - Privacy protection for customer information of financial institutions. I am allowing no more than 3 business days for this to be removed and cleared up. I dont know what is going on. I am proceeding to litigation if this matter isnt resolved. I am exercising my rights as a consumer and a natural person. I am demanding that this matter is resolved no later than Friday. I am enforcing that remedy in the amount of {$2000.00} is sent to me as to my rights of privacy has been violated. This is insane. Please mail a check in the amount of {$2000.00} due to the fact of my privacy being violated. American Express, XXXX  XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief