vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Repeated calls from Company Portfolio Recovery any time of day, any day of week to my cell phone for debts not mine, previous cell owner, and also for people I do not know. They call and hang up, they do not leave message. I block them and they call from a different number. I am on Do not call registry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citi sent letter on XX/XX/XXXX advising that if I made payment to current my account would remain open. I called XX/XX/XXXX and confirmed that account would continue to be opened. 2 agents confirmed this so I made a payment for the sum of the account in full, and they sent me a new credit card. On XXXX Citi closed the account after they had my payment and used deceptive practices to collect on the debt and secure funds and will now report the account as closed by issuer. When I spoke to XXXX from the adverse action department with CITI ( agent refused to provide agent ID ) I was told that the account is to remain closed and I would need to reapply. I need the account to remain open in accordance with the promises made by Citi when we spoke on XX/XX/XXXX. The letter attached clearly states to prevent account from being permanently closed payment should be made by XX/XX/XXXX and payment was made in accordance with this letter and confirmed by Citi when we spoke on XX/XX/XXXX and they sent me a new credit card

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 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm having huge problems with Equifax this company keeps on lowering my Credit score for no reason!!! The first time they lowered it was XX/XX/2022, the score went down XXXX with no explanation, the second time was XX/XX/2022, another XXXX, the Third time was XX/XX/2022 XXXX with no reason or explanation as to why Equifax keeps deopping my score! I haven't gotten any updates from Equifax by mail or email. I previously sent them a certified letter to correct my account with false information I have not ever gotten a response from the companies or Equifax!!!! They are lowering my score because I open a report about Equifax with the CFPB!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XX/XX/2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX Account Number : XXXX Please remove it from my credit report. 
2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 2022-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I purchased qty 2 XXXX XXXX using PayPal from a company named XXXX on XX/XX/14. When the items arrived, they were not XXXX but stuffed blue sharks. I initiated a complaint with PayPal, who said I could return the items for a refund. The address provided was not deliverable- I tried multiple shipping services and communicated this to PayPal XXXX but they sided with the fraudulent company and closed the dispute anyway.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX and I am writing to you because I noticed there is a needed correction on my credit report a name of XXXX XXXX and any other Person under the surname XXXX is using my social security number and my credit I need this investigated I never lived in XXXX XXXX or anywhere in XXXX ever only XXXX  and XXXX XXXX. I also am not responsible for a debt that is being owed and it has hard inquiry on my credit report I am a victim of identity theft and it has been over a year this inquiry should no longer be on my credit report. 

Ability Recovery for XXXX and they continue to send me mail for the payment of a loan so they claim I did. It request for to have taken out And for another company for the amount of XXXX Please help me I am a single mother working hard and all I want in the future to retire comfortable and live something for my kids once Im gone I really need you guys help please I know Im reaching out to the right people Remember its Covid and everyone is scamming with other people information Please reach out to me if you need me to do anything further for you guys to help me out

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 2022-03-06 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: MA

Complaint narrative:
XXXX continue to violate section 15 USC 1681 S-2 and USC 6802 ( b ) XXXX  stated in there last response to my dispute that the account XXXX was sold to XXXX XXXX XXXX in 2020. The reporting of this account by XXXX is inaccurate because they no longer own this account and can not report a inaccurate account they no longer own. I would advise XXXX to have someone from there legal department review section 15 USC 1681 S-2 and 15 USC 6802 ( b ). I ask that CFPB hold XXXX accountable for not upholding the laws of the FCRA. If XXXX dont stop reporting this inaccurate account I will be contacting a local consumer law attorney to file suite again XXXX for all violations I have cited.

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 2022-03-06 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX continue to violate section 15 USC 1681 S-2 and USC 6802 ( b ) XXXX  stated in there last response to my dispute that the account XXXX was sold to XXXX XXXX XXXX in 2020. The reporting of this account by XXXX is inaccurate because they no longer own this account and can not report a inaccurate account they no longer own. I would advise XXXX to have someone from there legal department review section 15 USC 1681 S-2 and 15 USC 6802 ( b ). I ask that CFPB hold XXXX accountable for not upholding the laws of the FCRA. If XXXX dont stop reporting this inaccurate account I will be contacting a local consumer law attorney to file suite again XXXX for all violations I have cited.

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 2022-03-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2022-03-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
The Loan balance and outstanding mortgage principle is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of 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 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Ive sent the 3 credit bureaus multiples complaints to show me proof that the account is mines, still no avail of them showing me. 

They still to this day continue and furnish frivolous information. 

I want this to end today, and for them to remove this account. 

I want the documents that i asked for which is my right to do so. 

If they cant provide that to you, have them to remove the negative tradeline 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 2022-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
ARS Account Resolution Services is in violation of the FDCPA Section 807, codified at 15 U.S.C. Section 1692e ( 14 ). ARS Account Resolution Services is a alternate name for Healtcare Revenue Recovery Group, LLC, and the FDCPA clearly states that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ... ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ''

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 2022-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
I took out a payday loan with this company in 2021. They are currently taking out {$270.00} every other week. The original loan amount was {$2000.00}. As of today the amount is {$2400.00}. That would mean that NOTHING has been applied to my principal. I understand that these loans are high interest rate, but the rate on this is 348 %. This is taking extreme advantage of people that are in a bad financial situation. I am not able to get ahead or have enough to pay my other debts as I am paying this with nothing being paid down on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
The XXXX XXXXXXXX XXXX  card was bought out by XXXX XXXX XXXX I have never been behind on payments with XXXX  XXXX. The transition to Goldman Sacs was a utter mess. I called to make my payment on the phone for the first time with Goldman Sacs and the automated phone says there is a 1 hour wait to speak to a customer service rep. This was on XX/XX/XXXX. Nonetheless, it states on the automated line that cardholders have thru the XXXX of XXXX to make a payment to avoid late charges. I called again everyday thru XX/XX/XXXX. It states on the automated site to go to the Goldman Sacs web site or wait a hour to make a payment. All of the info they had for my banking had been deleted. Therefore I had to go online to make a payment or wait a hour. It also states on the automated phone line that there would not be a problem with using the card. On XX/XX/2022, I was at the store getting my prescriptions, and the transaction was declined. I tried again and it was declined. I am not behind, I have never been behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital One will not increase my credit limit from XXXX to XXXX, I have a XXXX credit score, am Never late on payments and I own my home and have a mortgage with XXXX XXXX. I have paid off 2 car Loans and I have less than a 4 % revolving credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2022-03-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was applying for covid 19 Assistance when I call them to resume my payment the mortgage company charge me more than when was brought my house.

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 2022-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: FL

Complaint narrative:
**THIS IS A FOLLOW-UP TO COMPLAINT # XXXX, WHICH WAS ALREADY FILED** On XX/XX/2022, I contacted Sallie Mae in hopes that I could negotiate some sort of financial arrangement to avoid my cosigner and I being reported to the credit bureaus. The customer service representative ( CSR ) that I communicated with, after being placed on hold numerous times, was finally able to to present the following offer to me in order to avoid being placed in negative/adverse status with the credit bureaus : a back payment, in the amount of {$270.00}, and a promise to pay the delinquent amount of {$970.00} upon next payday ( XX/XX/2022 ). 

I agreed to the terms as they were presented, and a payment, in the amount of {$270.00}, was processed/drafted from my checking account on file. I requested numerous times to the CSR to reiterate that the offer/terms that were presented would result in my student loan accounts not being reported as negative/adverse to the credit bureaus, and I was assured each time that those accounts would not be reported as such. 

On XX/XX/2022, I was alerted by XXXX that Sallie Mae did indeed report my student loan accounts as delinquent, which resulted in a decrease of my credit score by XXXX points ( I assume the same result occurred to my cosigner as well ). As a result, a dispute has been filed with the agency to investigate the situation. Also, my father ( the cosigner ) was just contacted by Sallie Mae via telephone as a reoccurrence of the constant barrage of harassing/annoying communication tactics utilized by the organization that were previously reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am a licensed general XXXX in NC. ( no XXXX and currently XXXX ). I was a self ( with family ) financed developer building houses without banking involvement. XXXX Bank, now Suntrust Bank allowed XXXX XXXX to open a business account when in XXXX when she was no a member of the corporation. In doing so, XXXX XXXX XXXX was able to embezzle about {>= $1,000,000} from about XXXX until XXXX. She worked from my companies. About XXXX, I did established XXXX XXXX with the NC Secretary of State and list her as a member. I had no ideal that she had previously opened those accounts. After she was listed as a member, she closed out my accounts and went on to embezzle millions more threatened to injury our children, That Fact is, she is from XXXX, migrating to the United States in XX/XX/XXXX. I have included several attachments with exhibits to help you understand what they did. The they will be XXXX XXXX, Suntrust Bank and a bunch of lawyers violating federal laws. 

Please review the exhibits and attachments.

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