vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Ive continuously received unwanted phone calls from numbers listed as Portfoliorecov over the past couple of months, and I have received these calls at least once a week or more. When I answer, nobody seems to be on the line to talk which applies to every number that has called me, making me believe it could be a potential scam or that they have the wrong number and continue to harass me by calling. I did research on Portfoliorecov and I learned that they are a large debt collection agency. However, I am not in any sort of financial trouble. 

Here is a call log of every call I have received listed as Portfoliorecov even after blocking each number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX and Experian failed to provide proof that Tennessee Dept of service has permissible purpose to report on the consumer report. 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) states that a lender must have written consent from consumer to report. XXXX XXXX XXXXXXXX is a case law that was won by a plaintiff for failure by XXXX and Experian to provide proof of permissible purpose. My next step is a lawsuit. Please remove this account due to failure to show proof of permissible purpose by the agency.

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 2024-02-20 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My Chase Visa card was used for several transactions in XXXX, XXXX ( NY ) to purchase medical supplies. I tried calling the vendor 's phone number on the credit card statement but it was not in service. I contacted Chase and reported the fraud. They removed all the charges and investigated. they said the card had been used ( with chip ) at the location so I had to pay. Chase then gave me another phone # but it was to a business in CA that had no record of any business with me and had no office in XXXX NY. I gave this info to Chase. Chase still says I must pay these charges. They refuse to investigate and have no information about who the vendor is. They refuse to call the number they gave me and can not give me any information about who the vendor is, where they are located or what I allegedly purchased. I will not pay for these fraudulent charged and am furious that Chase will not properly investigate these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are fraudulent account on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there are also fraudulent inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I sent in a police report showing this is fraud and Identity Theft report from the FTC. They have refused to provide me with any proof how this was verified or refused to delete the accounts. As for the inquiries they refuse to remove them even though I provided a police report and a Identity Theft report from the FTC. TransUnion representative, stated its not there job to remove inaccuracy accounts or inquiries from my credit report regardless if I provide proof that there fraud. That its up to the creditor to remove it, if the creditor states do not remove it from the credit report they will not. Unless TransUnion receives a letter from the creditor nothing will be removed regardless if the accounts are not verifiable.

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 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. System is sharing my nonpublic personal information with non affiliated third parties XXXX XXXX XXXX XXXX I.C. System does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX sent me a letter back on XX/XX/2024 threatening to repossess the vehicle. Meanwhile XXXX XXXX XXXX can not Validate the debt at this time according to XXXX XXXX XXXX. A Cease and desist was placed on the account. XXXX XXXX XXXX are still adding fees, falsely stating that a confirmation number given to me is my previous account number when it is not, and also making negative remarks on my credit report. Meanwhile, XXXX XXXX XXXX can not provide Validation at this time. It's been more than 30-45 days now. Send Validation of debt and the correct account number. Until then, since a cease and desist is in place by XXXX XXXX XXXX, no remarks or inaccurate reports should be placed on my credit report.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX sent me a letter back on XX/XX/2024 threatening to repossess the vehicle. Meanwhile XXXX XXXX XXXX can not Validate the debt at this time according to XXXX XXXX XXXX. A Cease and desist was placed on the account. XXXX XXXX XXXX are still adding fees, falsely stating that a confirmation number given to me is my previous account number when it is not, and also making negative remarks on my credit report. Meanwhile, XXXX XXXX XXXX can not provide Validation at this time. It's been more than 30-45 days now. Send Validation of debt and the correct account number. Until then, since a cease and desist is in place by XXXX XXXX XXXX, no remarks or inaccurate reports should be placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX sent me a letter back on XX/XX/year> threatening to repossess the vehicle. Meanwhile XXXX XXXX XXXX can not Validate the debt at this time according to XXXX XXXX XXXX. A Cease and desist was placed on the account. XXXX XXXX XXXX are still adding fees, falsely stating that a confirmation number given to me is my previous account number when it is not, and also making negative remarks on my credit report. Meanwhile, XXXX XXXX XXXX can not provide Validation at this time. It's been more than 30-45 days now. Send Validation of debt and the correct account number. Until then, since a cease and desist is in place by XXXX XXXX XXXX, no remarks or inaccurate reports should be placed on my credit report.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have read the terms and conditions of all of my credit accounts and have learned they will not share my non-public personal information ( per 17 CFR 248.3 the definition of non-public personal information includes personally identifiable financial information, which is account balances or transactions ). I have contacted the companies in which I have accounts with and have asked to opt out of any disclosures of my non public personal information to non-affiliated third parties. The protections of 17 CFR 248 require a clear and conspicuous opt out opportunity for the disclosure of Non public personal information, which I did not receive. Of course, where these laws overlap, the Fair Credit Reporting Act supersedes these laws. The definition of a Consumer Report per the Fair Credit Reporting Act is : any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living and specifically does NOT include transactions and/or balances. Equifax obtained this information in a non compliant disclosure of my information and I requested they remove this specific information from their systems and my consumer report and they did not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
On XX/XX/XXXX Weltman, Weinberg , & Reis Co. LPA responded to my complaint by saying that any temporary agreement would not cease the legal process. I believe there were multiple unfair and deceptive issues in that claim. The first one being the representative I spoke to in XXXX said that $ XXXX was not an acceptable arrangement. If the arrangement was not meant to stop the legal process, why would there be a minimum dollar amount? I believe that the " Least Sophisticated Consumer '' would believe if there was a minimum dollar amount required for an arrangement, it would stop collection attempts while the arrangement is active. In addition, when I asked what would be an acceptable dollar amount, I was advised that it would be $ XXXX. After deep consideration of my finances, I agree to the dollar amount. Only after I agreed to pay the {$75.00} was I told that it wouldn't stop the legal process. Again, I believe that the " Least Sophisticated Consumer '' would believe that if I was provided a dollar amount for an arrangement, it would stop the legal process. 

This brings me to the last issue at hand, in the firms response on XX/XX/XXXX, I was encouraged to contact them to discuss a permanent agreement. On XX/XX/XXXX, I decided to take them up on that offer. I reached out to try to set up a payment arrangement to stop the legal process. I was advised the only way for that to happen would be to pay the account in full or settle the account in a lump sum. I believe that the " Least Sophisticated Consumer '' would believe that since payment arrangements were being discussed in the firms response, that the permanent arrangement would also payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting 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:
Under 605B, this account must be taken off ASAP. I'm frustrated that it's showing up on my credit record, even though it's not my account. I strongly request the company to remove it swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Ive asked to see proof of verification, its been over 90 days and I have not seen and proof of verification to these charges I am not familiar with

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I have submitted a report to the FTC regarding the unauthorized credit inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which are a clear violation of my consumer rights. 
I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This is the second complainT I am making as TD Bank responded to my complaint but did not resolve my issue. 

On XX/XX/XXXX I made an ACH payment to XXXX XXXX XXXX for a loan in the amount of {$4300.00}. When I looked at my account, I saw the funds were pulled so the next day I closed my account and opened another one for personal reasons. On XX/XX/XXXX, I received a call from the creditor stating they did not receive the money and it was sent back to TD Bank. I called TD Bank on XX/XX/XXXX inquiring about the money and I was given the run around for several hours. I was transferred to 4 different departments yet no one knew where my money was. I went to a branch on Tuesday, and a supervisor emailed the department holding my money requesting that they return it to my account. Still nothing. I called TD Bank today and now theyre telling me someone will get back to me in 24-48 hours. This is ridiculous. Its my money and theyre intentionally holding onto it for reasons I cant understand. I need that payment back as my next loan installment will be due in a few days. I cant understand why they cant just transfer the money back into my account. Ive been a TD bank client for 20 years, I have hundreds of thousands of dollars in multiple accounts with them and this is how they treat a loyal customer. 

UPDATE : The check that was mailed was mailed to the incorrect address and addressed to my company which is closed. Therefore I never received the check. I was told today that now its going to take 90 days for a stop payment on the check to be made. I don't have 90 days. I need the money back now. TD Bank confirmed with me my new address to mail the check out and they still mailed it to the wrong address. I was on the phone for over 3 hours today and I'm beyond furious. My next step is going to be withdrawing all of the money out of all of my accounts and moving to another bank. There's no reason why it takes 90 days for TD to return my money back to me for a mistake they made. The check needs to be mailed back to me, to the right address and made out to me, not my busines as they business is closed. TD Bank knew this information before mailing out the check to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
XX/XX/2024 : SPS claimed that I have a mortgage of {$660000.00}, alleged monthly payment of {$5400.00}. 
They once again charged me {$5.00}, for paying this monthly amount. I repeatedly asked them why they charge it, and they said it is for a service. I repeatedly asked what service that was, and they dont seem to have answered the question, and then repeatedly said it is a policy. I then asked what policy it was, if it was in the penal code, and where it is. They then apparently said that it was a policy for the company and its employees. I am not an SPS employee, so, SPS has confirmed, on XX/XX/2024, that I can keep my house and I dont have to pay them any money. I would like SPS to send they can send this to the address tied to the account a letter re-confirming this statement on the phone -- that I need not pay them any more money as I am not interested in their $ XXXX service, and therefore, that the {$660000.00} amount they stated is not tied to my property on XXXX XXXX XXXX 


They stated that even if I paid via their mobile app, then, I would still be charged this fee. Regardless, since I no longer have to pay any money to SPS, I am seeking that letter re-confirming I need not pay them any more money. I would also like a refund of all payments of {$5400.00} made to them as I do not require a service that charges me money to make payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I contacted Experian, XXXX and XXXX in regards to fraudulent addresses and accounts on my name. Someone had requested phone services as well as an apartment lease fraudulently in my name. I have contacted the local authorities but the account has yet to be removed I have never lived at XXXX XXXX XXXX  XXXX XXXX ca. 

XXXX account XXXX XXXX XXXX {$3200.00} Is also not legally my account. I have contacted multiple sources and nothing has been done.

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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
A visa credit card was opened with Bank of America without my consentreceived it in the mail. I called BoA to reportthey said it was fraudulent, but gave me no more info. I have frozen my credit : they were supposed to send me above info with application copy, but still havent done so

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 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence Resource Management is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX XXXX XXXX. Credence Resource Management does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Upon reviewing my TransUnion credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these inquiries effective 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 non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting 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 recently pulled a copy of my TransUnion credit report & noticed some unauthorized fraudulent collections & addresses reporting. I certified a letter via USPS under tracking # XXXX delivered date XXXX XXXX, 2024, requesting TransUnion verify these inaccuracies according to the Far Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) providing original consumer contract ( with my signature ). Enclosed in the envelope was 5 documents including dispute letter, affidavit ( signed & notarized ), copy of passport, copy of ssn card, bank state ( address verification ). 

It has now been well over 30 days and this unverified information remains on my credit report. This has hurt my ability to obtain credit which is affecting my wellbeing. All supporting documentation will be attached.

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