vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
I received a charge on my Fortiva card for XXXX that I did not authorize from XXXX XXXX XXXX. The gentleman advised the charge was made XX/XX/XXXX of this year. I advised him I have not used that card since late last year. He advised me they would investigate and it would take 90 days and then they would let me know. I asked him can't he simply call the store to verify the charge is fraud. He said no they can not do that. My issue with this is I did not look at the statement I would've paid the charge. How many elderly customers is this happening to? I can't believe with big companies that they can not do better tracking than this. It doesn't even advise what I am being billed for!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Have sent in excess of 8 emails to a PNC VP rep about not being able to make my mortgage payments from my PNC bank accts... ..its been months and no replies and no remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
My wife and I each have an XXXX XXXX XXXX XXXX XXXX  credit card issued by Barclays Bank Delaware [ under two ( 2 ) separate accounts. ] We have instructed them on several occasions to desist sending us so-called convenience checks, for which we have no use whatsoever. For a while, no checks, then later they start reappearing again. We are concerned about the possible theft of these checks and their fraudulent use. How many times should we be compelled to waste our time calling them only to be connected to a call center where the representatives -- halfway around the world -- barely can speak intelligible English?

At a time when the President of the United States has cautioned us to beware of all kinds of potential scams and security thefts is it possible for you to issue an order inquiring credit card issuers not to send out convenience checks unless opted-in by their customers? And establish a stiff fine for failing to comply with an opt-out request.

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 2022-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
I paid the settled debt in full but the company is giving me the run around on sending me a receipt that I can provide to the original debtor so I can have the vehicle title released. 

They send me to a " receipt hotline '' to leave a message and I have done so. From there they should email me or snail mail me the receipt but there seems to be a problem with the email address ( they keep misspelling it ) or I am unable to talk to someone that can give me any information at all. 

At this time the receipt is supposedly being re-sent because they made a mistake in the address. They are unable to tell me how long this will take and have no way to expedite the process. 

Date Settled XX/XX/XXXX Date Paid XX/XX/XXXX Amount Settled {$1200.00} Contacted the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX so far

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: CA

Complaint narrative:
Portfolio Recovery Associates. 
Reporting Opened XXXX. 

Account was charged off By XXXX  XXXX XX/XX/XXXX. 

Challenge 3 credit reporting agency. 7 times. Portfolio keeps incorrectly reporting.

I called Dispute department at Portfolio on recorded line. Told he the issue.

She said they report date they bought debt. I said my credit is to report dates of credit card companies documents. I said by you mis reporting dates it's illegal and makes it look like recent debt. Crashing my score from XXXX to XXXX. I said your reporting wring. She admitted they were. She admitted they were wrong but that's how they collect. I said I'm protected under law have fair and accurate reporting. Reporting some one else bought debt doesn't show legality of debt. 

She then wanted jump off subject try Challenge ge as not my debt. Problem is. I already been turned down for rental, vehicles purchase and failed background because of debt. Challenged 7 times last year. They admitted they were reporting wrong. 
Credit companies also said they see dates on their records. I said then correct it. Said they house debt they can't change it. I said that's your job. 

Again. Dispute department at Portfolio admitted on recorded line dates were wrong. As I pointed them to their own documents from original creditors showing charged off in XXXX not active and missing payments in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: GA

Complaint narrative:
On XX/XX/2022, Upgrade received my debt validation letter on XX/XX/2022. I have not received any confirmation within 60 days of this validation. Within this time period i have not received the following : ( 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 thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be 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 or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: TX

Complaint narrative:
MY INFORMATION WAS USED WITHOUT MY CONSENT. I FILED FTC XXXX AND CONTACTED COMPANIES NOBODY IS HELPING ME.

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 2022-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Credit and Collection Service, Inc.
State: CA

Complaint narrative:
This complaint is against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Sequence of events : XX/XX/2022 - I was received via USPS an initial debt collection notice, for the amount of {$150.00}, plus additional interest of {$10.00}. 

XX/XX/2022 - I did not recognize this debt, so I called them on the phone to verbally contest the debt. I was told the debt was for a " pharmacy overpayment '' by my health plan, " XXXX XXXX XXXX ''. My health plan apparently made an error in how much the pharmacy received for a filled prescription. 

XX/XX/2022 - I called again to ask more information. I asked for their CA debt collector license number, and then they immediately put me on hold indefinitely. They then simply would not answer any call from my caller ID. 

Relevant facts : - There was never any debt contract or instrument signed. As such, no interest or fees have been expressly defined. The addition of interest by the company violates both the FDCPA and the CA XXXX FDCPA. 
- From my understanding, laws and regulations require health plans to retrieve any overpayments directly from providers, not from a consumer who never received any cash payment. Therefore, this debt is invalid. 
- This agency does not have an active debt collector license in either Oregon ( their home state ) or California ( my residence state in which they are attempting to collect ). 
Further, the agency also added interest to an alleged debt without any written contract, and therefore adding interest is in violation of the FDCPA. ( Any interest rates or other fees must be expressly defined. ) - I have good reason to believe these predatory practices are being committed against many consumers ( as the XXXX XXXX XXXX has many members across multiple states ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Calling me over and over again ; When I answer they just hang up right away.. at this point it's just harassment ; I've received no validation of anything nor has anything been verified and I don't need to be called when the other party has put me on mute for whatever reason.. Harassment and moronic.. They need to Cease and Desist immediately.

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 2022-03-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state 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 2022-03-30 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: TX

Complaint narrative:
MY INFORMATION WAS USED WITHOUT MY CONSENT. I FILED FTC REOPRT AND CONTACTED COMPANIES NOBODY IS HELPING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: TX

Complaint narrative:
MY INFORMATION WAS COMPROMISED. I FILED FTC REPORT AND CONTACTED COMPANIES, BUT IVE GOTTEN NO WHERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: CLGF Holdco 1, LLC
State: UT

Complaint narrative:
A purchase was made in my name through Genesis FS Card Services with a transaction on XX/XX/15 from XXXX-XXXX  office purchase of {$1300.00}. I have contacted Genesis FS Card Services and they filed a report and also told to file a report myself. Whoever open this account has my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX has violated my rInights. And XXXX XXXX XXXX XXXX stated a late payment, when it was never later. I was going through a hardship and requested the payment be moved to the end of my loan and it was approved. 

15 U.S.C 1681 section 602 A. states that 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 instruction.

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 2022-03-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX has violated my rInights. And XXXX XXXX XXXX XXXX stated a late payment, when it was never later. I was going through a hardship and requested the payment be moved to the end of my loan and it was approved. 

15 U.S.C 1681 section 602 A. states that 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: MI

Complaint narrative:
In XXXX  my loan XXXX were listed by XXXX XXXX a scam artist at my property XXXX XXXX XXXX XXXX, mi XXXX he used it on an hud contract and I notice the broker with hud appeared to have an XXXX style name too that conducted the contract. 

To Hud, Please explain your involvement with property XXXX XXXX XXXX and loan number XXXX to the consumer financial protection bureau and to, XXXX XXXX XXXX XXXX. 
ssn # XXXX Address, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: MI

Complaint narrative:
In XXXX my loan XXXX were listed by XXXX XXXX a scam artist at my property XXXX XXXX XXXX XXXX, mi  XXXX he used it on an hud contract and I notice the broker with hud appeared to have an XXXX style name too that conducted the contract. 

To Hud, Please explain your involvement with property XXXX XXXX XXXX and loan number XXXX to the consumer financial protection bureau and to, XXXX XXXX XXXX XXXX. 
ssn # XXXX Address, XXXX XXXX XXXX XXXX. XXXX, MI XXXX XXXX XXXX

Company response to consumer: Closed with explanation