vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Hi, I have reach-out Portfolio Recovery since XXXX. I have sent letters asking to show a contract with them with my wet-ink signature. They refuse to acknowledge. I recently sent an affidavit of notice dispute the debt received on XX/XX/XXXX. Tracking number is XXXX. They did not answer. An Non-respond affidavit in commerce is accept the complaint as true. Receipt of this AFFIDAVIT OF TRUTH & FACT requires a response as stipulated above, acquiescence will be your answer to all below statements if respondents fail or refuse to provide a written response in the form of a rebuttal Affidavit. Acquiescence means A persons tacit or passive acceptance ; implied consent to an act. Review Morris vs. NCR, 44 SW2d 433 which states : An Affidavit if not contested in a timely manner is considered undisputed facts as a matter of law. Also, review U.S. vs. Pruden, 424 F.2d 1021 ( 1970 ) which states : Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. Portfolio Recovery did not rebuttal any point-to-point answer with their own affidavit. I also filed a postmaster criminal complaint under title code 18 U.S.C ss 1342 fictitious name and address and title 18 U.S.C. ss 1341 Fraud and swindling. Portfolio Recovery only sent a general letter that does not address any of my complaints or any proof of a sign contract. Under the Law, there must be a signed contract for them to collect a debt. WHERE IS THE CONTRACT SIGNED BY ME. SHOW ME THE PROOF? I finally filed a U.C.C. 1 financial statement with the ILLINOIS SECRETARY OF STATE placing a lien on my estate claim the name. I also filed with the ILLINOIS SECRETARY OF STATE COMMON LAW TRADEMARK AND COPY RIGHT NOTICE. The Illinois has accepted the filing and the lien number is XXXX and XXXX. Portfolio Recovery will have to a do a XXXX XXXX search to get confirmation. ILL and certified the lien on XXXX time XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: OH

Complaint narrative:
Reviewed my credit report and a medical account was added I am allowed under the HIPPAlaw [ 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, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX is to only be revealed with the patients ' authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: OH

Complaint narrative:
Reviewed my credit report and a medical account was added I am allowed under the HIPPAlaw [ 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, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX is to only be revealed with the patients ' authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

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 2021-02-03 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: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX # XXXX -XXXX  # XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXX # 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 explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
The original debit card has expired and I have never received the new debit card. I have called twice to resolve the problem and I have gone to a branch that told me to call the customer service number. The monthly service charge seems to now be {$10.00} per month when before it was {$4.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: MN

Complaint narrative:
0n XX/XX/2020 my netspend western union pre paid debit card was used at a holiday gas station 6 times over the course of 15 minutes for a total of XXXX dollars when I recieved my statement I noticed that there were also other charges I didn't do so I went online to dispute the charges during selection of the transactions it doesn't tell which transactions are being selected and which are not it only gives you the list of all transactions made by that account so after a long waiting period I recieved a credit but only for 2 of the disputed transactions after realizing this I went back online and submitted a second claim well upon recieving my second claim my account was immediately closed stating that they noticed some high risk issues not much longer after that I received a denial on the remaining disputes and for the reasoning they stated since my claim was filed after the first that the charges were valid and so I requested a review of the situation explaining that the disputes were supposed to be together they again return with the same response then after this and then they had closed my account so they then sent me the remaining balance from the account in a check after a week of waiting for it when it arrived it was incorrect so once again I had to contact netspend during this conversation the gentleman states that the only reason the dispute was denied was due to it being filed after the first in they end they still have not corrected the issue in fact there response is now there are claiming the transactions were made at multiple stores over multiple days when in reality they were done at the same time at the same place the card never froze due to suspicious activity seeing the card was used to withdraw XXXX then XXXX then XXXX then XXXX then for XXXX then for XXXX and they allowed this also where the transactions were made were no where near where I usually had used the card or even remotely close to my home

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 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Commercial Services, Inc
State: CO

Complaint narrative:
I received a call from XXXX XXXX from NCS but was not able to answer. My sister called soon after and was worried, she said XXXX called her and was telling her that if I did not pay he was going to have my license taken away because I was a payment late. I then called him to place my new CC on file, and I let him know I did not appreciate him disclosing my information to a 3rd party. He got really defensive and said he gave her that information because she asked for it. He said he was just sending me an email. My sister was never authorized on my account she spoke with him once to give him a CC and from there on he always called her. This man was unpleasant to speak with, he told me he was going to cancel my payment arrangement and that I was " DONE '' and to " have fun at the DMV '' I asked for an explanation as to why he was cancelling my payment after trying to express my concern about him speaking to a 3rd party. He said because I wouldn't let him speak. I let him know this was not a legitimate reason to cancel my arrangement just because he took my complaint personal. This man had the nerve to tell me to " shut my mouth '' and that I am 2 payments behind, and he told my sister I was one. I told him I know he can't talk to people this way and there should be a level of professionalism I could get a lawyer. He said he was suspending everything since I knew what to do. I asked to speak to a supervisor and he said this like he was used to it and like he didn't care " go ahead and speak to my supervisor EXT XXXX ''. He is not allowed to speak to me or anyone in this manner just because they owe a debt and bring to his attention that he can not disclose information to someone other than the debtor. He shouldn't have that type of power to dictate when to cancel payment when the debtor is not wanting to cancel and to dictate when to take their license away and especially feel entitled to intimidate a client because he choses to take their complaint personal. 
I received a call back from XXXX his supervisor and he said he would handle it and he said he saw notes where I " authorized '' my sister before. I never have, she spoke with XXXX once to put a CC on file and from there he would always call her. I told XXXX to stop calling and emailing my sister and apparently he didn't write that in the notes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
So I disputed a public record with experian they verified this said XXXX  was source I disputed with XXXX XXXX  they deleted and sent a update & disputed with them on on XX/XX/XXXX and they never responded and they also said they needed to verify my info to complete dispute on XX/XX/XXXX. Then they sent email saying they verified with XXXX XXXX and that was on the XXXX of XXXX and I just confirmed with XXXX XXXX that experian never investigated a second time or third time so or did they respond to there dispute or update on the file. This is causing me major financial amd credit issues and I am hiring a lawyer if this is not resolved they are violating FCRA laws and its really not ok .... 

This was my last dispute I disputed with Experian and they verified it after investigation and said the source was XXXX XXXX So i went to XXXX XXXX disputed and they deleted the inaccurate bankruptcy and said i would have to contact the bureaus myself so i did and it was removed from the other bureaus as they did an actual investigation and then Experian said it was verified and said the source of the Information was XXXX XXXX and so I contacted XXXX XXXX and they said they did not verify anything from Experian and they again confirmed that the bankruptcy was deleted so this is really messed up they are openly lying to me and this the letter i want to send them on my behalf but when i call they keep lying they violatied fcra and did not do a throughoh investigation i have documentation to prove it and i have written documentation from XXXX stating it was deleted and like i said the other bureaus deleted this. I am very upset I feel very misled and I am going to be filing a complaint with the XXXX and cfpb because you violated the FCRA and did conduct a proper investigation actually you did not do any investigation and you misrepresented and I now have undeniable evidence that you are giving false investigation results because I have In writing from your source of the info thats inaccurately reporting on my report and I know you did not do what you were supposed to and you denied me my legal right to dispute this information I am not happy I simply just want this removed from my information ASAP. I want this expedited because your negligence in the last investigation was nonexistent thank you

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 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX i opened a dedicated account for my XXXX XXXX XXXX XXXX. This account is solely meant for deposits from ssi for back payments After a year and 2 installment payments we were anticipating the 3rd and final installment from social security. Due to covid -19 pandemic social security did not deposit the 3rd installment on XX/XX/XXXX which was the expected date. I had a check to cash at wellsfargo for financial aid so i went into to speak with the banker i told him how i recieved the information from social security about the deposit expected to be late due to being backlogged and the fee that was assessed to my account after just resolving it. He told me the fee bringing the account to a negative would not affect the deposit. The week following the deposit wasnt there So i returned to the bank branch where i opened the account and told them the problem and how it didnt have a check mark for direct deposit as services we had and offered to clear the fee assessed to the account in case that would disrupt the account in good standing and the substantial deposit we are expecting i wasnt too sure about the rules tho concerned about ssi policies for deposits made to account i was assured once again by the banker the account was available and ready for the deposit and not to take care of the fee because the seposit from ssi would take care of it and the deposit wouldnt be affected by it. I told the banker once again they were backlogged and the deposit would be late she assured me the account would be ready 3 days later they closed the account due to inactivity and a negative balance i called and the representative told me the account would be back open in 3 days but no we are XXXX because wells fargo lied to us

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 2021-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
When I leased my vehicle I signed a contract for XXXX per year and at the end of my lease I was billed for XXXX per year so instead of owing XXXX XXXX I owed XXXX XXXX but my contract said I signed to pay for XXXX per year ... after looking over my contract I noticed that I have two copies one that says dealers copy and one that says leasees copy, none of the numbers match!!! I told the dealership this, they blew me off I told the titling company this and they said there was nothing they could do because they were just using the contract that XXXX XXXX XXXX had submitted to them. I showed my new dealership and they suggested I get a lawyer because the contract was messed up!! I never once missed a payment with them before and the lawyer that I had spoke to told me to try to negotiate with the company first. So even though the company had been XXXX XXXX, and very inconvenient over the phone and email, I decided it was best for me to drive there, even though its 2hours for me to get there ... I spoke with XXXX XXXX, and a guy named XXXX, and asked that someone from fianc would be available and if I would be able to see XXXX XXXX They both had said yes, and so at the start of COVID I drove out there to clear this up. The guy went in circles claiming the contract was clear as day but then claiming it make no sense that the numbers did not match on both copies, then told me I should not even have a copy of the dealers copy, I said why so I wouldnt know you were trying to get over on me?!? He then asked to have the copy and told me there wasnt anything I could do, I told him I wanted to speak to the XXXX he said he was the head of finance, and that he was sorry that I wasted my time driving out there. I told him I wasnt leaving until I talked to XXXX XXXX, and he said sorry he just left!! Then because of COVID my lawyer was not getting back to me! And I thought because of the pandemic it could have been postponed because I never once received a phone call or letter about the money after XXXX! Then when I called the titling company to make a payment I was told my account was closed. I thought maybe they had figured it out! Then I went to buy my house only to find they put it in as a charge off dropouts my credit over XXXX points!! This is ridiculous for me to be punished for their mistake, and I dont just have {$4.00} extra grand to pay a car company that filed paperwork wrong!! I had a credit score in the XXXX before and this disheartening especially in these times!

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 2021-02-03 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: NJ

Complaint narrative:
It has been over 45 days, and I have not been notified or updated of the status or results of my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: TX

Complaint narrative:
There was a data breach with XXXX credit bureau during the summer of 2017 that put my personal information at risk. There was also a fake loan company, called XXXX, that tricked me into giving them my personal information including my sign-on credentials for online banking : user id and passwords. This resulted in a fraudulent auto loan from a company called XXXX XXXX XXXX to be on my credit report. The thieves also tampered with my XXXX XXXX XXXX  accounts and credit cards which caused collection agencies to be involved. I've been disputing the auto loan with XXXX, but they keep asking for more information from identitytheft.gov. I asked one of the agents about more information, and she said the seven-step recovery plan they created for me is all they have on identitytheft.gov. This includes letters to creditors, credit bureaus, and the FCRA. 
Sad to say I'm still struggling with identity theft right now, as I've been informed that there have been some disputes on my credit report that I did not initiate or request.

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 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
There is fraudulent charges made on my account. Money was taken using XXXX. I file a complaint with both XXXX and jp morgan chase bank. XXXX has denied chase bank for refund and chase bank has did a reversal charge onto my account because XXXX has denied chase refund. This is about {$1400.00} fraudulently charges. Chase bank has failed to protect me in these fraudulent charges and has not resolve these charges. I have fax all the documents i have to jp morgan chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: NC

Complaint narrative:
I recently pull my credit reports, and I discovered that XXXX XXXX XXXX account number ending XXXX was still showing as the delinquent for 30 days I would like to see about getting updated account information because I noticed that the account was reported 30 days late although I was consistent with my account and it was a switch over with purchasing a new car it should have never been on my report. Per section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act, you are required by federal law to verify all accounts post it to my credit report, to report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account with XXXX XXXX XXXX. This is the Liquid account record is inaccurate and I request that the following amount be validated and properly removed I am also requesting updated information within 30 days from this notice I also have Supply proof in the documents below that several telephone numbers and information and addresses and name spelling multiple name spelling or inaccurate as well Items that XXXX XXXX XXXX XXXX XXXX # XXXX Name mispelled Telephone numbers removed XXXX XXXX XXXX Promotional inquiries shared info without consent I never did business with any of those companies XXXX XXXX XXXX account

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