vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I, XXXX XXXX, of XXXX, in XXXX, Connecticut, MAKE OATH AND SAY THAT : XXXX. XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, Portfolio Recovery have willfully repeated to damage my consumer credit year in and out for over XXXX years. They have violated many of my consumer rights as well as federal laws and cfpb laws. 
XXXX. XXXX XXXX violated the following Federal laws 12 USC 1431- no bank can loan me anything they are borrowing from me 42 USC 408 -Asking/using my social on any extended credit, pre approval or loans is a federal crime being there is no lawful money. 
UCC 3-104 - Willfully and illegally used my negotiable instrument in the extension of credit to be paid to me. 
15 USC 1602g - I the consumer am really the creditor!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
So I noticed there was a debt collector medical bill placed onto my credit ; The debt agency is Wakefields & associates I have no recollection of ever signing or allowing a contract from this company come through ; when I called there phone number and stated medial debt arent allowed to be displayed on credit they said nothing of the situation. Ive sent letters in to the 3 bureaus known as XXXX, XXXX, and XXXX as well as Wakefields and associates. I was never contacted back through letters by no bureau expect XXXX. When I stated how my Hippa laws were violated and I do not accept this and would like it removed off of my credit report. This debt contract that was never authorized by me was made XX/XX/2021 ; signed over by a company under the name of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I cashed via on my mobile device a check for XXXX through my bank HSBC.The check was from XXXXXXXX XXXX XXXX and there bank was XXXX XXXX and the funds was from selling my vehicle to them. Fast forward XX/XX/XXXX I get a l letter that the check deposit is being reversed. I have spent since XXXX dealing with my bank HSBC trying to obtain proof that the money was returned back to XXXXXXXX XXXX I have talked to the maker of the check and they just show the check clearing the account but never the funds returning back to them. They also state that they never asked for the check to be reversed. So now Im out the XXXX dollars and each side tells me the other one has the money. HSBC tells me I need to go to the maker of the check but why is my bank taking money out of my account and sending it to the makers bank after it had been cleared back in XXXX. I need help getting proof of which bank really has the money. The two managers at HSBC is XXXX and XXXX that I have been working with. The case ID number is XXXX through HSBC. The Head of back offfice at XXXXXXXX XXXX XXXXXXXX is XXXX XXXX. Please help me as I have tried to work with the bank to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
Im making this complaint against RECEIVABLES PERFORMANCE for identity theft. I have never given RECEIVABLES PERFORMANCE any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RECEIVABLES PERFORMANCE can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and RECEIVABLES PERFORMANCE continues its collection efforts, I will file for litigation for actual damages caused and RECEIVABLES PERFORMANCE will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

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 2022-09-16 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I, XXXX XXXX, of XXXX, in XXXX, Connecticut, MAKE OATH AND SAY THAT : XXXX. XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  have willfully repeated to damage my consumer credit year in and out for over XXXX years. They have violated many of my consumer rights as well as federal laws and cfpb laws. 
XXXX. XXXX XXXX violated the following Federal laws 12 USC 1431- no bank can loan me anything they are borrowing from me 42 USC 408 -Asking/using my social on any extended credit, pre approval or loans is a federal crime being there is no lawful money.

UCC 3-104 - Willfully and illegally used my negotiable instrument in the extension of credit to be paid to me.

15 USC 1602g - I the consumer am really the creditor!

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 2022-09-16 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I, XXXX XXXX, of XXXX, in XXXX, Connecticut, MAKE OATH AND SAY THAT : XXXX. XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX have willfully repeated to damage my consumer credit year in and out for over XXXX years. They have violated many of my consumer rights as well as federal laws and cfpb laws. 
XXXX. XXXX XXXX violated the following Federal laws 12 USC 1431- no bank can loan me anything they are borrowing from me 42 USC 408 -Asking/using my social on any extended credit, pre approval or loans is a federal crime being there is no lawful money.

UCC 3-104 - Willfully and illegally used my negotiable instrument in the extension of credit to be paid to me.

15 USC 1602g - I the consumer am really the creditor!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company 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 2022-09-16 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: Experian Information Solutions Inc.
State: NY

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

Company 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 2022-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
To Whom It May Concern : Ive heard about AFFIRM and tried to do business with them but EVERYTIME Ive applied IVE ALWAYS BEEN DENIED and I can never get a solid explanation even though its been the first time Ive appliedtried NUMEROUS times and been DENIED numerous timesI seriously think theres a problem there because Ive used XXXX, XXXX, and XXXX  ( formerly XXXX ) even XXXX worked with me. An investigation needs to be carried out and I need a response to this so if theres an issue I can proceed with legal options. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I have a loan serviced by Aidvantage in the amount of ( balance ) {$52000.00}, Account # XXXX. 

About two months ago, I sent in the required forms and paperwork for discharge because the Department of Veterans Affairs deemed me 100 % XXXX ( Permanent and Total ). Today, I received correspondence that I had to provide evidence of a name change because the name XXXX and Aidvantage has on file do not match. The document states that I need to provide evidence in the form of certain listed acceptable documents for a First Name Change, or other certain listed documents for a last name change. Because the document did not specify the discrepancy, I called Aidvantage and spoke to a Rep who could only note that XXXX had XXXX XXXX XXXX XXXX Aidvantage 's listed name as XXXX XXXX. XXXX is not a first or last name, it is a suffix. 

I loaded the documents into the Aidvantage system, but fear this is a game they are playing to make student loan discharge just that much more difficult. They have accepted over {$50000.00} in loan payments from me with this so-called discrepancy, but now that I've put in the proper paperwork for discharge it's suddenly a problem and they don't know who I am? 

I'm asking that they look deeper into this, let me know what the first or last name discrepancy is, and expedite my discharge. The Adivantage rep saw no discrepancy with the first or last name as seen in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: LA

Complaint narrative:
In accordance with Law 15 USC 1692 C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; also in accordance with law 15 USC 1692 D : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. This is considered harassment and abuse. I have told XXXX XXXX  that this was not my debt and it was done fraudulent, they did not do any investigation to determine if this debt was deemed legitimated. I also explained to XXXX XXXX  that I was a victim of identity theft. I have been harassed and bullied into paying a debt I am not responsible for. They have targeted my credit trying to scared me into paying a debt I am not responsible for. I have asked them to stop contacting me and they will not stop. this is a violation on my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
I just learned a Paypal credit account was established in my name and using my personal information through Synchrony Bank. The balance being reported on my credit report is {$4100.00}. I have never applied for or held a Paypal credit card. 

On XX/XX/2022, I contacted XXXX XXXX XXXX and spoke with XXXX XXXX XXXX. I advised her of the situation over the phone. The Case Number is XXXX. 

In addition, I sent an email to XXXX advising that my identity had been stolen for the purpose of obtaining the Paypal credit card and requesting that they request the credit agencies remove this alleged debt from my credit report. 

On XX/XX/2022, I also contacted the card issuer, Synchrony Bank. I was unable to speak with a representative and will be following up with the bank as soon as possible.

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 2022-09-16 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: Portfolio Recovery Associates, LLC
State: MT

Complaint narrative:
I just learned a XXXX credit account was established in my name and using my personal information through XXXX Bank. The balance being reported on my credit report is {$4100.00}. I have never applied for or held a XXXX credit card. 

On XX/XX/2022, I contacted Portfolio Recovery Associates and spoke with XXXX XXXX XXXX. I advised her of the situation over the phone. The Case Number is XXXX. 

In addition, I sent an email to XXXX advising that my identity had been stolen for the purpose of obtaining the XXXX credit card and requesting that they request the credit agencies remove this alleged debt from my credit report. 

On XX/XX/2022, I also contacted the card issuer, XXXX Bank. I was unable to speak with a representative and will be following up with the bank as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: Uplift, Inc
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Uplift , Inc account number 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Td Bank USA, account number 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Scammer on XXXX XXXX  who send fake emails pretending to be Zelle on XX/XX/16 that they as a buyer has send too much money via Zelle and needed the difference send back. Send emails with Zelle logo with fake confirmation they had zelled too much money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I have a loan serviced by XXXX in the amount of ( balance ) {$52000.00}, Account # XXXX. 

About two months ago, I sent in the required forms and paperwork for discharge because the XXXX  XXXX XXXX XXXX deemed me 100 % XXXX ( Permanent and Total ). Today, I received correspondence that I had to provide evidence of a name change because the name NELNET and XXXX has on file do not match. The document states that I need to provide evidence in the form of certain listed acceptable documents for a First Name Change, or other certain listed documents for a last name change. Because the document did not specify the discrepancy, I called XXXX and spoke to a Rep who could only note that NELNET had XXXX XXXX XXXX XXXX XXXX 's listed name as XXXX XXXX. XXXX is not a first or last name, it is a suffix. I have not had a name change and do not know what they're talking about. 

I loaded the documents into the XXXX system, but fear this is a game they are playing to make student loan discharge just that much more difficult. They have accepted over {$50000.00} in loan payments from me with this so-called discrepancy, but now that I've put in the proper paperwork for discharge it's suddenly a problem and they don't know who I am? 

I'm asking that they look deeper into this, let me know what the first or last name discrepancy is, and expedite my discharge. The XXXX rep saw no discrepancy with the first or last name as seen in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: American First Finance, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: NC

Complaint narrative:
So I talked to several reps at Experian, XXXX, XXXX Sent multiple letters off on ( XX/XX/XXXX XXXX, XX/XX/XXXX ). Here is my USPS tracking numbers ( XXXX ) for all letters. To remove personal information that I dont want on my credit report because it is inaccurate and not mine. I believe that they have mixed or merged my information with someone else. This is very worrisome for me, because identity theft is a very big concern in today 's times, and I do not want to fall victim to it. The Rep informed me to contact my creditors and to submit a letter to them with my correct information. I contacted my creditors and they all have my updated personal info. After submitting my letter via Certified Mail, they still refuse to remove some of the information that is not accurate or mine. The letters were received by their company. I would really appreciate it if my information could be updated to the only name and address that I currently have. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-09-16 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: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
This company is continuing to report a 30 day late when in fact it was an accident and total loss and they were paid out. After the accident when I report the accident to the company I asked what I have to do going fwd and the lady on the phone said that if the accident was reported to my insurance and I said yes. She then said the insurance company would handle the rest of it from their end. When I asked about how the payout works she said that as long as the gap insurance covered the balance then should be nothing else owed but if not I could owe. I then told her that XXXX already said they were covering the full cost. She then said that I should be fine and then I did not have contact with them until later when I seen a 30 day late. So for years I have been trying to get them to remove the late. They have record of when the accident was. They have the full payout so there was nothing else I could have provided. To have this remain on my credit and hurt my credit serves them no purpose. Their company gets nothing out of it but I have been continued to have this as a mark against me. There was nothing for me to hide or not pay them for outside of the fact it was a total loss and they were getting the payout from the insurance company.

Company response to consumer: Closed with explanation