vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I received separate communications from Portfolio Recovery Associates , LLC, dated XX/XX/XXXX and XX/XX/XXXX, for attempts to collect an alleged debt. I have never given my consent nor do they possess the express permission of a court to communicate with me as a consumer. My rights as a Consumer have been violated in this and so many other ways by the unfair and unethical debt collection practices of Portfolio Recovery Associates , LLC. 

I was not employed at the time of the initial communication, so it arrived during a particularly inconvenient time for myself and my family. Additional strain was added to an already stressful situation through the use of abusive and profane language, not to mention the false representations made throughout this communication. 

The communication dated XX/XX/XXXX lists " account offers '', yet I have no account with this company. The balance is listed as {$2300.00} with 6 monthly payments of {$390.00} or 12 monthly payments of {$190.00} paying the full balance. However, there is a " savings plan '' using the following verbiage : 1 payment of {$1300.00} and save {$1000.00} ; pay {$220.00} for 6 consecutive months and save {$1000.00} ; pay {$110.00} for 12 consecutive months and save {$980.00}. The communication goes on to say they are not obligated to renew the offer and first payment must be received by XX/XX/XXXX. 

Portfolio Recovery Associates , LLC, willfully decided to violate my consumer rights AGAIN. The communication dated XX/XX/XXXX used different amounts in the " savings plan '' : 1 payment of {$1400.00} and save {$950.00} ; Pay {$240.00} for 6 consecutive months and save {$900.00} ; pay {$120.00} for 12 consecutive months and save {$850.00}. This version of the communication states they are not obligated to renew the offer and first payment must be received by XX/XX/XXXX. 

These communications clearly demonstrate the WILLFUL abusive, deceptive, predatory and unfair debt collection practices employed by Portfolio Recovery Associates , LLC. These practices have largely contributed to the instability of my marriage and family structure and definitely invaded my privacy whilst trying to stabilize them again. 

I am eagerly anticipating the return of the Certified Mail Receipt from the Affidavit and Invoice sent to Portfolio Recovery Associates , LLC. It is simply mean, heartless and downright evil to willfully prey on people that are doing the best they can to keep themselves and their families above water. Shame on you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally Bank is holding a balance in my name for a vehicle that is paid for. They took my car from my home and told I had to send money to them to get my car back. Now I was informed by them, that they sold my car and want me to send them money as well.

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 2022-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
I have received numerous letters for a person not at my address related to a XXXX account nor has anyone by the name on the letter lived here since my purchase of the property ( I've never had a XXXX account either ). I've called the collector and told them this is the wrong person/address on XX/XX/2022 and asked them to stop sending letters to this address. I have since received multiple letters after. The most recent letter is threatening to hit a credit score related to my address.

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 2022-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I am filing this deceptive practice complaint with my mortgage company Rocket Mortage. XXXX XXXX XXXX paid me {$5300.00} for some damage to my home on XX/XX/XXXX claim number is XXXX. After fighting with the insurance company to get them to pay, the check finally came in XX/XX/XXXX. In order to cash the check, Rocket Morgage Company has to endorse the check. I sent them the check to endorse it and they didn't want to endorse it because I was behind on the mortgage and they were going to take that money from me for the account. I was in the Fourfance program authorized by the federal government due to Covid and that is the money they say I owe them. In XX/XX/XXXX and continuing, I started making payments again and the change was made as well. I asked to speak to a supervisor in the insurance loss department and spoke to XXXX XXXX. I explained the situation to XXXX XXXX and she told me that she had already reviewed everything and that they were going to send me the check but she demanded that my wife XXXX XXXX and I XXXX XXXX endorse the check. Actually we did not have to endorse the check and there I saw the malice and mockery of her, however the check was endorsed. It's been over 30 days and my check hasn't been sent. I call them and they tell me that I have to send them the damage report and that report was sent from the very beginning with the check. In other calls they tell me that I have to send them the details of the contractor who is going to do the repairs and that applies if I am really late. I have spoken several times with supervisor XXXX XXXX and it has been pure ridicule.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: NY

Complaint narrative:
1 ] in accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, has violated my rights. by placing misinformation in my credit report. 

2 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX, has violated my rights by placing misinformation in my credit report. 

3 ] in accordance with the fair credit reporting act, XXXXXXXX XXXX  XXXX XXXX account number # XXXX. has violated my rights by placing misinformation in my credit report.

4 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

5 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX has violated my rights by placing misinformation on my credit report. 

6 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

7 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX  account number # XXXX has violated my rights by placing misinformation on my credit report.

8 ] in accordance with the fair credit reporting act, XXXX account number # XXXX, has violated my rights by placing misinformation on my credit report. 

i try to resolved this plights with this named creditors aboved numerous time either to come to the same conclusion or not get a reply.

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 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I opened a checking account with Chime Bank and used it to transfer my unemployment benefit payments from XXXX XXXXXXXX XXXX to my Chime Bank checking account. After several transfer deposits totaling {$5000.00}, Chime froze my account, asking me to provide proof of my identity. Providing gov't ID was not a condition for opening my account at Chime Bank XXXX I refused since gov't ID was not a condition of opening my account. The position that I stand firm on. Chime closed my account with a balance in the amount of {$5000.00} and emailed me this response. 

" After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review Section 9 titled Amendment and Cancellation of the Chime Deposit Account Agreement : https : //member.chimebank.com/account-agreement. '' The dates and amounts of my deposits are : XX/XX/20 {$4900.00} XX/XX/20 {$1500.00} XX/XX/20 {$1500.00} XX/XX/20 {$1500.00} I filed a claim through XXXX XXXX XXXXXXXX XXXX but Chime refused to release my funds and transfer them back. I have written Chime by email asking for their legal counsel 's name and address and they have refused to provide this information. 

My position is, no matter what the reason for Chime 's decision to close my account, once making that decision they should either issue a check for the full amount in the closed account and mail it to the address on file, or return the funds back to the original source of the fund 's transfer " XXXX XXXX XXXXXXXX ''. I do not understand what legal bank precedent Chime Bank is using to keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
They have a wrong SSN listed under my account. They also have an account from XXXXXXXX XXXX Rewards that I never opened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: TN

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX that an account was opened in my name. ( I have the letter attached ) I did not open this account and I did not receive any goods or services from this company. My identity was stolen back in XXXX and this account is a result of identity theft. I sent a Identity theft report, and also a written statement informing all credit reporting agencies that this account was not mines and was a result of identity theft. I also provided appropriate proof of my identity. Pursuant to 15 USC 1681 ( c ) ( a ) a consumer reporting agency SHALL promptly notify the furnisher of information that it was a result of identity theft and shall block the information not later than 4 business days after date of receipt. I have attached proof showing that TransUnion received all of the appropriate documents but they are still is reporting this information on my consumer 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 2022-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Garcadia Financial LLC
State: AZ

Complaint narrative:
Problem with fees charged and problem with 15 % interest in states that only allow 10 % interest without rate becoming usurious

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Inaccurate Bankruptcies

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 2022-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
NAVIENT The following PRIVATE loans were taken out to attend XXXX XXXX in XXXX Loan 1 dated XX/XX/XXXX original principal {$5800.00} Loan 2 dated XX/XX/XXXX original principal {$5200.00} Loan 3 dated XX/XX/XXXX original principal {$5200.00} The last page of each ACCOUNT HISTORY attached shows fraudulent beginning unpaid principal balances of the following and not the correct original principal balances listed above : Loan 1 {$6300.00} Loan 2 {$11000.00} Loan 3 {$11000.00} On XX/XX/XXXX Navient has a resale line item on each of these loans taking off fraudulent amounts.

Loan 1 {$6300.00} Loan 2 {$6400.00} Loan 3 {$6400.00} From XXXX to XX/XX/XXXX 5 YEARS Navient was charging capitalized interest on fraudulent amounts plus on my original loan principal amount. Navient was reporting fraudulent amounts that grew to the credit bureaus creating my credit to be improperly damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Inaccurate Bankruptcy XXXX

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 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Inaccurate Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ), XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX bank {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXX 's ( {$1900.00} ) XXXX  ( {$240.00} )

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 2022-03-07 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: AL

Complaint narrative:
I received an update on XX/XX/2022, concerning DEPT OF EDUCATION/XXXX XXXX This is my third time trying to get this issue resolved. You continue to ignore the violations you are breaking by reporting information that supposes to be excluded from my consumer credit report. You ignore my dispute and place the blame elsewhere but you are the one WILLFULLY VIOLATING THE LAW which is another violation. By law, you can not continue to ignore and break the law. It will not hold up in court. Updating my credit report is not fixing the issue when you suppose to delete whatever violates FCRA Laws. This is causing me to get denied credit, causing stress, and is damaging my reputation. If you continue to be a lawbreaker I will have no choice but to sue you for the damages you have caused. It's a shame I have to continue to go through this cycle because you continue to not comply with FCRA Laws. It is very annoying, tiresome, and stressful. Please obey the law! If this doesn't get resolved I will file a lawsuit with damages.

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 2022-03-07 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: NY

Complaint narrative:
1 ] in accordance with the Fair Credit Reporting act, XXXX  XXXX Account # XXXX, has violated my rights. by placing misinformation in my credit report. 

2 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX, has violated my rights by placing misinformation in my credit report. 

3 ] in accordance with the fair credit reporting act, XXXXXXXX XXXX XXXXXXXX XXXX account number # XXXX. has violated my rights by placing misinformation in my credit report. 

4 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

5 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX has violated my rights by placing misinformation on my credit report. 

6 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

7 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX account XXXX # XXXX has violated my rights by placing misinformation on my credit report. 

8 ] in accordance with the fair credit reporting act, XXXX account number # XXXX, has violated my rights by placing misinformation on my credit report. 

i try to resolved this plights with this named creditors aboved numerous time either to come to the same conclusion or not get a reply. 


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 2022-03-07 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: NY

Complaint narrative:
1 ] in accordance with the Fair Credit Reporting act, XXXX  XXXX  Account # XXXX, has violated my rights. by placing misinformation in my credit report. 

2 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX, has violated my rights by placing misinformation in my credit report. 

3 ] in accordance with the fair credit reporting act, XXXX XXXX  XXXX XXXX account number # XXXX. has violated my rights by placing misinformation in my credit report. 

4 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

5 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX has violated my rights by placing misinformation on my credit report. 

6 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

7 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX  account number # XXXX has violated my rights by placing misinformation on my credit report. 

8 ] in accordance with the fair credit reporting act, XXXX account number # XXXX, has violated my rights by placing misinformation on my credit report. 

i try to resolved this plights with this named creditors aboved numerous time either to come to the same conclusion or not get a reply. 


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 2022-03-07 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: NY

Complaint narrative:
Transunion was contacted on XX/XX/22 regarding my score. My score was XXXX. Out of nowhere they dropped my score XXXX points! 

XXXX has the SAME information same accounts and my score was XXXX and they dropped the score XXXX points. 

I called in and they made excuses. Oh you opened up a new account! The only new account I opened was XXXX XXXX. No new accounts besides this one. In addition I reached out to XXXX XXXX and XXXX XXXX who is the CEO both claim to be XXXX XXXX. No late payments, no charge offs, and no delinquencies. I have been a Transunion Customer practically 35 years. In almost 40 years I have not ever seen my score drop this low. 
They are obligated to explain how they came up with almost a 100 point drop. 
Instead they ignore customers and customers all over the world entrust this credit agency to report accuracy. IF there was a bankruptcy or default on my loans I could see it. Each is far from the truth. There are inquiries I don't recognize. I am confused as to what's going on here. 
I am asking where did this drop come from? I opened up 3 accounts XXXX XXXX, XXXX XXXX, and XXXX credit score did not budge. 
No late payments in almost 2 years. No defaults and my credit usage is not 75 %. They are only reporting 3 accounts out of Six. XXXX XXXX is {$120.00}. XXXX is {$300.00} and XXXX XXXX {$470.00}. Three accounts are paid off in full. Please tell us why you drop the 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 non-monetary relief