vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I, XXXX XXXX entered a consumer credit card transaction with XXXX XXXX on XX/XX/2016 Pursuant 15 USC 6802b XXXX XXXX never disclosed to me that I had the option to opt out of this transition being reported. My social security number is an open ended credit plan. 
Pursuant 15 USC 1692g I'm the original creditor, natural person, private individual of this account. 
15 USC 1602d the term " organization '' means corporation, government, governmental subdivision or agency, trust, estate, partnership, cooperative, or association, XXXX XXXX is a corporation. 
XXXX XXXX also reported this transaction to a consumer reporting agency which is a violation of 15 USC 1681. This credit arose from a credit card which is supposed to be excluded from a consumer report. 
My account was sold to a third party without my consent or my permission. As a natural person/ private individual, how can a corporation/ legal person sell or report my private information to a third party without my permission or my consent? Without consent it is Identity theft. 
XXXX XXXX have violated my rights as a Federally Protected Consumer several Federal laws under 15 USC 1692 & 15 USC 1681 have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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:
XXXX I sent a ltter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I, XXXX XXXX entered a consumer credit card transaction with Capital One on XX/XX/2016 Pursuant 15 USC 6802b Capital One never disclosed to me that I had the option to opt out of this transition being reported. My social security number is an open ended credit plan. 
Pursuant 15 USC 1692g I'm the original creditor, natural person, private individual of this account. 
15 USC 1602d the term " organization '' means corporation, government, governmental subdivision or agency, trust, estate, partnership, cooperative, or association, Capital One is a corporation. 
Capital One also reported this transaction to a consumer reporting agency which is a violation of 15 USC 1681. This credit arose from a credit card which is supposed to be excluded from a consumer report. 
My account was sold to a third party without my consent or my permission. As a natural person/ private individual, how can a corporation/ legal person sell or report my private information to a third party without my permission or my consent? Without consent it is Identity theft. 
Capital One have violated my rights as a Federally Protected Consumer several Federal laws under 15 USC 1692 & 15 USC 1681 have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17 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: LEXISNEXIS
State: TN

Complaint narrative:
On XX/XX/XXXX, I sent a letter to lexis Nexis challenging the validity of these alleged bankruptcies they have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with Lexis Nexis. I have gone to the courthouse, and they have also stated they did NOT verify this information. I requested from lexis nexis to please send me whatever documents of information they have personally used to verify these alleged bankruptcies, immediately. If they can not produce such documents these bankruptcies needs to be removed from my file as it is defaming my character as well as update the credit bureaus. As of XX/XX/XXXX I have yet to get a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I, XXXX XXXX entered two timeshare agreements on XX/XX/2020, entitled XXXX XXXX XXXX XXXX with the provider XXXX XXXX XXXX XXXX XXXX. Per the terms of the agreement, I requested to cancel the timeshare on XX/XX/2020, within the allotted five ( 5 ) business days. The request was made per instructions of clause seventeen in the timeshare agreement entitled " XXXX XXXX '' via a certified letter, signed and notarized. It was faxed and sent via email to my appointed point of contact for XXXX XXXX XXXX de XXXX XXXX XXXX and XXXX XXXX from XXXX XXXX. 

XXXX XXXX assured me that I was in the right of my contract and that the timeshare would be canceled. Soon after our conversation, I received numerous calls from XXXX XXXX XXXX XXXX XXXX sales representatives pleading with me to downgrade my package instead of canceling. After much debate, I was assured my request would be granted and would cancel the timeshare. Leading up to the cancelation of services, contact between myself and the quality assurance representatives seemingly ceased. Despite numerous calls, voicemails and emails, I was no longer able to contact XXXX XXXX nor XXXX XXXX. 

I filed a claim twice with Barclay Cards ( whom I opened a credit line with XXXX XXXX XXXX XXXX  XXXX to purchase these timeshares ). Barclay cards denied my request twice, despite all my documentation from the company agreeing to cancel the timeshare agreement and reimburse all monies paid. I am now receiving notifications daily. My account with Barclays card is delinquent, and y credit has significantly dropped ( 77 points ) despite a perfect payment and credit history aside from this matter. 

I am writing with a request to cancel these two timeshare agreements and relinquish myself and others from this unfair, fraudulent practice.

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 2021-01-17 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: Advanced Resolution Services Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Advance Resolution Services challenging the validity of these alleged bankruptcies they have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with Advanced Resolution Service. I have gone to the courthouse, and they have also stated they did NOT verify this information. I requested from ARS to please send me whatever documents of information they have personally used to verify these alleged bankruptcies, immediately. If they can not produce such documents these bankruptcies needs to be removed from my file as it is defaming my character as well as update the credit bureaus. As of XX/XX/XXXX I have yet to get a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: Verisk Analytics Inc
State: TN

Complaint narrative:
On XX/XX/XXXX, I sent a letter to LCI challenging the validity of these alleged bankruptcies they have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with LCI. I have gone to the courthouse, and they have also stated they did NOT verify this information. I requested from LCI to please send me whatever documents of information they have personally used to verify these alleged bankruptcies, immediately. If they can not produce such documents these bankruptcies needs to be removed from my file as it is defaming my character as well as update the credit bureaus. As of XX/XX/XXXX I have yet to get a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: ID Analytics, Inc.
State: TN

Complaint narrative:
On XX/XX/2020, I submit in writing a request challenging the validity of these alleged bankruptcy SageStream have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with SageStream. I have gone to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character as well as update the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: CBC Companies, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I sent a letter challenging the validity of these alleged bankruptcy Innovis have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with XXXX, I have gone to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character as well as update the credit bureaus. As of XX/XX/XXXX I have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: AZ

Complaint narrative:
First Advantage I've attempted to reach out to the reporting agancy through email, with negative results. And their phone number is disconnected. They are reporting data that is way over 7 years ago. As a result, I'm likely to get denied for the licensing I need to continue to operate my business. I was under the impression that the FCRA allows reporting of criminal history up to 7 years ago. They are reporting on crimes frim 2008!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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:
Dear Credit Reporting Agency, It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

I Attached information on the payment history and Government Issued ID for proof of validation. 

If you need any more information to include this in my report please feel free to contact me XXXX XXXX Phone : XXXX Email : XXXX XXXX ID XXXX Transunion File ID : 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 2021-01-17 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: CA

Complaint narrative:
Dear Credit Reporting Agency, It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

I Attached information on the payment history and Government Issued ID for proof of validation. 

If you need any more information to include this in my report please feel free to contact me XXXX XXXX Phone : XXXX Email : XXXX XXXX ID XXXX XXXX File ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
I began this process with SLS Servicing on XXXX XXXX. I am currently in trouble with my loan and was seeking to work out a repayment plan with my SLS who is servicing my loan. I have been in contact with consistantly since XXXX regarding my intentions for my property. I completed a XXXX application to apply for assistance, uploaded the forms. 

I then would call to verify they had everything. I was told on numerous occasions there was nothing else needed. I then would receive a letter indication nothing specific but documents were needed. I would then make a call and the representative had a very hard time figuring out what I was missing. Finally the representative would find the document that they stated was missing already submitted and was over looked. 

This went on from as I stated XXXX to XXXX XXXX. 
Each time between XX/XX/XXXX andXX/XX/XXXX I was told something different by each representative, I have never been able to speak with my appointed representative. I have left several messages for her but no return calls. Finally Last Thursday I requested a supervisor and was allowed to speak with her. She stated there were missing documents, after reviewing my documents sent she found what they had been looking for and forwarded it over to the correct processor. she stated that I should have a final answer within 72 ours it has now been about one week. 

I believe that SLS is attempting not to assist me, I believe they are trying to allow my loan to go into foreclore. I have indicated in my correspondence to them that I am willing and able to make 2 payment a month to get this resolve. I have also let them know that if I need to file bankruptcy to resolve this I will. I can not afford to be in the streets at this time. I believe these are intentional act from this servicer

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 2021-01-17 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: FL

Complaint narrative:
I have disputed the following false accounts on my credit report with the credit bureaus but have not received any response : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX  account XXXX 4. XXXX XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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 2021-01-17 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: FL

Complaint narrative:
I have disputed the following false accounts on my credit report with the credit bureaus but have not received any response : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX  account XXXX 4. XXXX  XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC
State: MI

Complaint narrative:
This company preys on hard working Americans. High interest rates ( almost 100 % ) I have asked for help several times, forbearance, deferral, lower rate, etc to no avail. During this time, My hours are low, income is low, and there is nothing they " can '' do. Now, my credit is bad because of them, and I do not have any options. They dont care, and I do not know what else to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: FL

Complaint narrative:
I opened this account in 2017. I have only been late with payment once in all that time ; I had payments set up to be automatically withdrawn from my checking account. On XX/XX/XXXX {$270.00} was withdrawn from my checking account. XXXX has posted the payment but is not allowing me to use the available line of credit stating, " We are waiting 10 business days to be certain the payment clears. '' They state this is a " random '' audit. Now I can't use the card to pay bills automatically. The minimum amount due was {$35.00}. I have since changed automatic withdrawal and removed my banking information from the account as this is an unfair practice. I can't pay the bills I intended to use the card for and the money is no longer in my bank account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: NC

Complaint narrative:
This complaint is about Nationwide Recovery. On Monday XX/XX/XXXX I sent by certified mail to the address listed on my credit report a letter regarding the validity and verification of multiple debts listed on my credit report from this debt collector. To date I have not received any correspondence back. I also went to their website and emailed the email address they provide to get further clarity on the alleged debt. I emailed them XX/XX/XXXX. Both attempts at communicating have not been responded to. There are three accounts in question respectively in the amounts of {$190.00} opened XX/XX/XXXX ( XXXX and XXXX  ), {$240.00} opened XX/XX/XXXX XXXX XXXX  XXXX, {$130.00} opened XX/XX/XXXX XXXX XXXX XXXX. I have also disputed the accounts with the above credit reporting agencies with no resolution. I believe this company to be a scam due to their not ever being ANY EVIDENCE or attempt in response to me. It is very detrimental to my credit report to have UNVERIFIED debts listed and harmful to my score. I have attached evidence of my attempt to reach the company by certified mail and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I've been trying to recover this check from PayPal since XX/XX/XXXX, XXXX, to no prevail. 

The transaction ID is : XXXX It was {$570.00} with a check fee of {$1.00}, equaling {$560.00} Its unacceptable how PayPal makes it impossible to speak to a human being when calling their listed number. It appears PayPal intends on conveniently overlooking processing this pay-out. 
I can only imagine how many people they do this to. 
This transaction was a payout from my son 's PayPal account. My son was allowed to create a PayPal account with all of his information and my son was allowed to collect money using Paypal as his payments processor, but when he wanted to withdraw his money, suddenly PayPal sent him an email stating that he was not of legal age and that his account would be closed and his access was immediately restricted, preventing him from withdrawing this money. 
When he called PayPal, at the time, he was told that his legal guardian/parent would have to speak to PayPal in reference to the funds being paid out. I took the phone, as his mother and after a brief conversation, I was told that his check would need to be mailed out instead of the usual direct deposit method commonly used to take funds from a PayPal account. A Transaction ID Statement was emailed to us and after waiting for months and never receiving the check that corresponds to this transaction ID, we have been trying to contact PayPal in vain, ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
have no idea why my score dropped 31 points from experion score. i am in the procces of getting a refi on my home company did credit check but i know why my score droped 31 point i pay all my bills on time i know you take slight hit on your credit when company pulls up credit but not 31 points maybe 1 or 2 points down?? please re investigate credit score again and please notify about this problem

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