vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-01 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: NV

Complaint narrative:
To Whom It May Concern : This complaint concerns my XXXX credit card account with XXXX XXXX, which became delinquent in XX/XX/XXXX. Portfolio Recovery Associates, LLC alleges that they bought the account from XXXX XXXX, but the have refused to provide written documentation of alleged sale, a blatant violation of the Fair Debt Collection Practices Act, which explicitly requires documentation be provided within 30 days of the first written request. XXXX XXXX  has provided no proof of this alleged sale. 

I wish to make the following points : I received a letter from Portfolio Recovery Associates, which is attached, dated XX/XX/XXXX, claiming without proof that they had purchased my XXXX Card from XXXX XXXX  ; On XX/XX/XXXX, I sent Portfolio Recovery Associates a letter requesting a copy of the sales contract, as proof of the alleged sale. This letter is attached. 
3. My XX/XX/XXXX letter to Portfolio Recovery Associates was sent by Certified Mail, and it was signed for/delivered on XX/XX/XXXX. Documentation is attached. 

Since XX/XX/XXXX, Portfolio Recovery Associates has been totally and completely silent. They have provided no actual documentation of their alleged sale, as is required within 30 days under the Federal Fair Debt Collection Practices Act. Nevada Revised Statutes 649.332 etc. also requires written notice. In addition, Portfolio Recovery Associates has reported this account to the credit bureaus without proving their right of ownership.

Because of their silence, Portfolio Recovery Associates refuses to answer the following questions : What is their proof of ownership? Why did they disregard the 30-day Fair Debt Collection Practices Act requirement? 
Do they honor and respect the 6-year statute of limitations under Nevada law? 
Do they recognize my judgement proof income exemptions under both 42 U.S. Code 407 AND Nevada Revised Statutes 21.090 ( 1 ( y ) ), etc.??? Proof of Income is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLIANT CREDIT UNION
State: TX

Complaint narrative:
I ordered a XXXX XXXX XXXX on XX/XX/XXXX and applied for a loan with Alliant Credit Union that initially approved my XXXX XXXX XXXX. The transaction from Alliant to XXXX XXXX XXXX to the delivery guy and then back to me all confirmed ( even on their XXXX.XXXX  platform ) that the transaction from Alliant to pay the full amount of the XXXX XXXX  XXXX was paid in full, showing on my profile that at delivery I owed XXXX {$0.00}. I took screenshots of the {$0.00} owed to celebrate the victory of my delivery scheduled, withy profile showing the trade in of my XXXX XXXX for {$1000.00} and XXXX XXXX insurance task completed. A few days before delivery/pick up, Delivery Specialist, XXXX, from XXXX calls me to inform me of the loan suddenly not being approved even though my profile and all of my paperwork showed that I owed XXXX {$0.00}. In the same week one of XXXX 's finance personnel from XXXX XXXX tells me that finance was " squared away '' and that we were " good to go with everything ''. Weeks turned into months, and I applied more than once with Alliant Credit Union for the Auto Loan with denials the second and third time all while the model order and vin that I ordered sat in transit, reflecting the total amount of the car being owed again. All screenshots can be viewed here of before and after transactional discrepencies that contradict original documents and agreements made. XXXX : XXXX Emails and confusing text messages of the XXXX and Alliant Credit Union staff can be provided via XXXX XXXX, XXXX XXXX XXXX, or any other cloud service of your choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
I received an offer in the mail to settle a debt that I got while I was over seas on XXXX XXXX. the agent advised I could settle the debt for {$610.00} I told the agent I did not have the money to do it and he said that they could extent to off for 30days if I give them account information to bill I was not sure but he said after 30days when the payment clears they would send a request to have the account removed from my credit report. I agreed and give my cc info, the card was charged on XX/XX/XXXX then last week I was checking my credit and saw that the account was still there and that the balance was still the same I rechecked with my bank and the payment had cleared 30 days from the offer date but acima credit never updated or removed the tradeline like they said so I called them to find out why and she said that I was not told any of that and that I would have to dispute it with the CRA I call and placed a dispute with XXXX  and on XX/XX/XXXX. On XX/XX/XXXX there was an update to my credit report that account is not listed as settled for less but not they had added 2yrs worth of late payments and even late payments for XXXX and XXXX when the account was settled in XXXX of XXXX these action caused my credit score to drop as now I have late payments for an account that was just a collection account. I am scared to submit another complaint because I cant afford for my score to drop again I have been working really hard to fix it and because I asked them to honor what was agreed on my XXXX  score dropped 23 points and my Fico score dropped 12

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: FL

Complaint narrative:
see attached ongoing dispute regarding deliberate inaccurate reporting past due over 120-180 days and a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The bankruptcy case is XXXX filed on XX/XX/2020. XXXX XXXX is listed in that bankruptcy and received notice by letter that this amount was included in the bankruptcy. In addition they gave approval for me to vacate early due to a cockroach infestation. I did not receive any communication prior to this being added to my credit so that I could dispute it. It was added to my credit as if incurred in XX/XX/2020 when I moved out before XX/XX/2020 and it was added to my bankruptcy when filed on XX/XX/2020. At that time this debt was no where on my credit bureau reports. However now it is on all my credit bureau reports in violation of fair credit reporting requirements for persons who filed for bankruptcy and where the entity owed was notified of the bankruptcy prior to credit reporting. I have attached some communication. I had already told XXXX from the beginning of XX/XX/2020 I would move out. He was waiting on the approval from the Corporate office, which he received and sent an email. The Property Manager of XXXX XXXX  had also sent me an email captioned move out statement in which the total was miscalculated. XXXX  XXXX  was well aware of my bankruptcy before submitting this to a collection agency and also intentionally submitted erroneous information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: WI

Complaint narrative:
I paid a past due account/loan I had with XXXX  before we purchased our new house in XX/XX/2020. I was reported correctly that I paid it and the account was closed. In XXXX it was changed from paid status to derogatory under the condition section with Transunion. I have filed 2 complaints and wrote a statement explaining why it was wrong and kindly asked it be corrected. XXXX  and XXXX  are both reporting it correctly that the account has been paid in full and is closed. Transunion will not help me and leave it at derogatory status and show it still a collection. Due to their error my credit dropped over 100 points and I explained this to them. I paid the full balance due with XXXX  and the agreement was it would be reported correctly.

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 2021-01-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Iconic Mortgage Corp.
State: VA

Complaint narrative:
loan approved keep requesting doc and sending document o be signed no closing date loan started XXXX approved 2020 back and forth with the XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. There is a huge disparity between all 3 reports ... ... some items were removed some were not ... ... I have never filed Bankruptcy ... .I have proof from the courts that they don't supply any information to any 3rd party so were did the bureaus get this information? I am prepared to go as far as I need to get my life back together!

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 2021-01-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Onemain financial has made calls to my HR employer about my debt and ways to contact me 3 times in the last 3 months. Along with that, they made repeated calls to my phone number to ask about the debt ( 6-8 times a week ), even though I told them to stop contacting as I am in the process of getting debt consultation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: IA

Complaint narrative:
Moved out of rental and let XXXX know XXXX of XXXX of XXXX. Rental was turned over on XX/XX/XXXX. XXXX with XXXX said all was good, I didnt owe any . They kept all of my security deposit and I professionally cleaned the home prior to moving. Was not contacted by them via email, mail or phone call stating I owed any $ for the last 2 weeks. My rental agreement was up XX/XX/XXXX. I did not renew due to Covid. I was contacted by phone call on XX/XX/XXXX by collection agency XXXX XXXX XXXX saying I owed {$1000.00}. She said if I didnt pay they will just report me and damage my credit. I told her I was never notified by anyone saying I owed any . I contacted XX/XX/XXXX via email and XXXX said I did not owe anything and to ignore. I called agency back and left message telling them what XXXX said and to call me and contact XX/XX/XXXX directly. Weeks later I got an alert saying my credit dropped and it was put on report. I cant get an answer or call back to talk with anyone with XXXX. If I owed any . I cant get an answer from anyone and I dont believe debt is valid. I would have paid if XXXX told me I owed which he didnt. It would have only been for two weeks- not a full month of I did owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: NM

Complaint narrative:
Experian notified me of the " update to dispute '' on my credit report and again refuses to remove accounts that are past theXX/XX/XXXX statute of limitations. I am still a resident of California, working and residing in XX/XX/XXXX The statute for XX/XX/XXXX is 4 years. The accounts need to be removed from my credit report. 

I am tired of continually fighting Experian about this. They will not comply with the statutes.

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 2021-01-01 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: TX

Complaint narrative:
See attached documents. I have complained at least 75 times against XXXX XXXX XXXX XXXX # XXXX. I complained the car purchased in my name was forgery and fraud. But that was denied. So to prove the fraud, I complain that my credit report was pulled without permissible permission to " check me out '' and then a application and contract was prepared. I received the attached from XXXX XXXX XXXX XXXX. XXXX XXXX continually refuses to send copy of the dated credit report and the permissible permission used to access my credit report. In addition, and further proof of fraud, I request the method of payments used to make the payments on the loan ; name of account, bank info, method of making payments etc. I did not give permission to access my credit report, I did not purchase the vehicle, I did not make application, I did not contract with XX/XX/XXXXXXXXXX/XX/XXXX, and I did not have use, benefit, or possession of the vehicle.

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 2021-01-01 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: I.C. System, Inc.
State: IL

Complaint narrative:
This is a NEW Complaint filed on XX/XX/XXXX. 
I am in possession of the papers sent to me on XX/XX/XXXX, The information provided was unresponsive to my demands. I demanded proof that I owe you money, this is not proof that I owe you money. 
In fact your name is not even mentioned on any of the paper work provided. 
Furthermore, Please provide proof of this alleged item ... Specifically the Contract, note or other instrument bearing my SIGNATURE, before continuing collection activities!

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 2021-01-01 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: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. There is a huge disparity between all 3 reports ... ... some items were removed some were not ... ... I have never filed Bankruptcy ... .I have proof from the courts that they don't supply any information to any 3rd party so were did the bureaus get this information? I am prepared to go as far as I need to get my life back together!

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 2021-01-01 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: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. There is a huge disparity between all 3 reports ... ... some items were removed some were not ... ... I have never filed Bankruptcy ... .I have proof from the courts that they don't supply any information to any 3rd party so were did the bureaus get this information? I am prepared to go as far as I need to get my life back together!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
This is a NEW Complaint filed on XX/XX/XXXX. 
I am in possession of the papers sent to me on XX/XX/XXXX, The information provided was unresponsive to my demands. I demanded proof that I owe you money, this is not proof that I owe you money. 
In fact your name is not even mentioned on any of the paper work provided. 
Furthermore, Please provide proof of this alleged item ... Specifically the Contract, note or other instrument bearing my SIGNATURE, before continuing collection activities!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 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: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I still haven't received a response. I feel as though I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so the items should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress that this has caused me. My information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: GA

Complaint narrative:
I am current with my mortgage account. However, I receive a notice from the county that my taxes were not paid and they intend to issue a Tax FIFA on my home. I contacted my mortgage company concerning the unpaid taxes and fax them a copy of the county tax notice but received no feedback on what they were going to do to rectify the matter. I called and faxed on XX/XX/XXXX, again on XX/XX/XXXX and XXXX. My taxes was due XX/XX/XXXX. I was given the run around for two weeks and still no decision was made to paid my taxes. I ended up having to pay the taxes due to prevent the issuing of the Tax FIFA. My mortgage company took my money to escrow my taxes and insurance ; and they failed to pay my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LTD Financial Services, L.P.
State: TN

Complaint narrative:
The XXXXXX/XX/XXXX XXXX, falsely advertised their apartments. I was pregnant and had a baby XX/XX/XXXX The apartment had mold, nobody cleaned ( roommates ) and the washer and dryer did not work. Its my fault that i did not take pictures to document but i feel like i shouldnt have to pay for this due to the stability of the apartment.

Company response to consumer: Closed with explanation