vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-27 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: CA

Complaint narrative:
I have never had any business with Portfolio Recovery Associates. I realize this is a debt collection company. As such, numerous times I have requested validation of this supposed debt or to have it removed from my report. I have not received validation and verification in the form of any acceptable document. I have two unverified accounts reporting on my credit reports from Portfolio Recovery Associates.Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt you claim I owe. I continue to request that PRA provide verification of the following : the original Application or contract with my signature and an itemization of the costs, including an accounting, for all purchases, charges, interest, or other fees placed on these accounts that you claim I owe. Sending a copy of a billing statement does not constitute verification of the account or demonstrate in any way that I am responsible for these accounts. Please provide an original consumer contract. Copies of old billing statements do not constitute verification or my signature. I am enclosing a copy of the billing statements PRA considers verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing XXXX XXXX XXXX as a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of Rule 5000 FDIC, that it has been in default for 180-days or more. This is the federal mandate, not mine. This loan was paid off by an insurance claim in XX/XX/XXXX,  along with a short fall payment from my personal checking account. XXXX XXXX XXXX is maintaining a charge off with a balance even though the 180-day late timeline was never reached, and XXXX XXXX XXXX never filed a default on record with any XXXX filing with the Securities & Exchange Commission. I am a member of the XXXX Community that came to America for a better chance at life. The rules should apply to XXXX as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off XXXX in full. In addition to this FDCPA claim. 
In addition, the vehicle loan was purchased by XXXX XXXX XXXX from Capital One Auto Finance, but there is never a cut off date from the original lender on the assignment date or purchase of debt date. A recent Supreme Court case called XXXX XXXX XXXX XXXX XXXX, XXXX may have ruled in favor of XXXX XXXX XXXX, XXXX as far as purchasing of debts bypassing FDCPA guidelines as a debt purchaser, XXXX XXXX XXXX, XXXX had never given adequate notice that the debt was actually purchased from the original lender, and since that criteria was never established, the negative reporting against me was never legitimate. 
The payment history was cut off by at two years, whereas my payment history starting XX/XX/XXXX does not show late payments within the first two years of procurement. This was done to to re-age the payment history based upon the 7-year rule under FCRA. Across the board, both Capital One Auto Finance and XXXX XXXX XXXX, XXXX are in violation under FDCPA and FCRA. 

Now XXXX XXXX XXXX, XXXX has blemished my credit beyond the FDIC Rule 5000 sub-standard protocol. My position is solid for a federal lawsuit based upon a national bank violating my rights of proper disclosure and legal reporting requirements. 

The credit items must be deleted by both XXXX XXXX XXXX, XXXX and Capital One Auto Finance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Received a letter from CITI on XX/XX/2018 stating I would receive a {$150.00} refund due to credit adjustment for certain fees previously billed to my Sears Account for a debt protection program offered by Citibank NA which was a result of an agreement between Citibank NA and the Office of Comptroller of the Currency. The letter states the refund would be applied to my account handled by XXXX XXXX. I spoke with XXXX XXXX in XX/XX/2018 and they stated the refund check was returned to Citi in  XX/XX/2018 because my account has been closed for over 10 years. Everytime I call XXXX XX/XX/2018 I was told to call back in one week to receive " update on recovery '' of the refund check which I did call back XX/XX/2018 and was told to contact XXXX XXXX,. Explained I had already spoken to them and so Citi gave me another telephone number to call which I did on XX/XX/2018 and was transferred to their recovery dept and was told they show nothing to contact XXXX XXXX. Tried to explain I had previously done this but could not get any further information, I just want to know where my {$150.00} refund is or is this some type of fraudulent letter from Citi?

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 2018-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I honestly have no idea what this debt is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: UT

Complaint narrative:
My account has been accessed all the time by this XXXX XXXX XXXX promotional inquiry. I have never accessed XXXX XXXX XXXX, a Discover card or anything of the sort. This is deeply troubling and alarming how often this has been checked. 


XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX   Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: DISCOVER BANK
State: CA

Complaint narrative:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
XXXX XXXX and XXXX XXXX ran my credit multiple times after being notified that I was not purchasing a vehicle at their dealerships. There are a total of 6 hard inquires from XX/XX/XXXX to XX/XX/XXXX. I only authorized 2 of these hard inquiries. They did this in an attempt to negatively impact my credit score.

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 2018-03-27 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that Choice Recovery has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Choice Recovery but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: CA

Complaint narrative:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements

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 2018-03-27 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: CA

Complaint narrative:
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements

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 2018-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
Several family members have received phone calls from this company about a money I owe. The tell my family and friends that I am being serve for wire fraud, however I have never received anything in writing. My family and friends were not contacts on any loan of mine. This company took the liberty of calling my work and my ex-husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that XXXX XXXX has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX  XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: L.B.Gray LLC A Debt Collection Agency
State: FL

Complaint narrative:
There is an collections account on credit report from L.B. Gray LLC in the amount of {$740.00} On XX/XX/2018, they signed for a certified letter disputing the item. They updated credit bureau 's with information that the account was disputed, but failed validate the account as required in the Fair Debt Collection Practices and Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC
State: PA

Complaint narrative:
I was short for monety before my payday and looked into a few pay day loan companies. I applied and once i saw the insane biweekly repayment agreement, I did NOT go though and sign the loan agreement forms. This company deposited the {$300.00} into my bank anyway, and now wants me to pay {$83.00} BIWEEKLY on a loan i never fully signed up for. I can't even pull my Loan Agreement from the website without it crashing, which is proof i never even signed a loan agreement!

Company response to consumer: Closed with non-monetary relief