vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 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:
As of today XX/XX/2022, Experian has notified that my disputes were completed on XX/XX/2022. However, they have not closed out my case. I am yet again filing a complaint due to the erroneous items they are still furnishing on my consumer report. I am demanding methods of verification utilized for the accounts that remain on my consumer report. I will like to remind the company that they must follow the law/ FCRA that has been administered to them. It is also my RIGHT as the consumer whom has been treated with great negligence to know : the method of verification, the name and contact of the person that they have spoken with, what documentation that was provided and did it include MY signature, and if the company provided my name, ssn, and dob. 

Please take this as the final opportunity to cure.

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 2022-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The last 4 of my social security number are XXXX. I did not open a King Size account with XXXX XXXX, this balance is due to an annual membership fee, which I did not subscribe to. Not mine. Fraudulently opened. Portfolio Recovery refuses to delete this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I still have {$5400.00} held up by Bank of AmericaXXXX XXXX benefits that I haven't been able to receive. They first blocked payments in XXXX of XXXX in the middle of the pandemic, again in XXXX of XXXX, and a third time in XXXX of XXXX. I tried multiple times to contact Bank of America and XXXX XXXX and was not able to get through, and received no replies to my questions. Thanks in advance for your help!

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 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Hello, I received a new CHASE Freedom card in the mail today ( my old one expired ). The card also came with a second card for my mother, XXXX XXXX XXXX, who unbeknownst to me is listed as an XXXX on the account. I think she became an XXXX  because I previously did a credit line transfer from an old CHASE Sapphire card that she was an XXXX on, and her XXXX  status must have transferred over. I called CHASE today to have her removed as the XXXX. She was removed, however the agent could not answer my credit reporting question regarding how the account will report on her credit report. Will CHASE be reporting ECOA code of T and terminating her liability ( thus retaining all info up until the point of removal )? Or ECOA of Z to delete the tradeline altogether? The phone rep didn't understand and continued to state that CB reporting would continue for the XXXX, which doesn't make any sense - I wouldn't expect a J segment to continue reporting if I requested her to be removed off of the account. 

Can someone please explain to me whether the tradeline is deleted ( Z ) or liability terminated ( T ) when an XXXX is removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2022, someone fraudulently tried to open a credit card in my name at Capital One, which I do have an existing customer relationship with. I was alerted both by a personal phone call by Capital One Fraud Dept, and by XXXX XXXX ( which detected a new credit inquiry on my XXXX credit report ). Capital One denied the credit card request. 

My XXXX credit report revealed that an old address of mine had been supplied, along with a hone number never belonging to me : XXXX. My quick internet searches list that as a XXXX, WA number, but XXXX identifies associations with XXXX ( XXXX ) domain and a XXXX with XXXX ( XXXX ) domain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: NC

Complaint narrative:
I am XXXX XXXX, a consumer, and I am the executor of XXXX XXXX XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, you have violated the consumer rights of XXXX XXXX XXXX XXXX XXXX ) under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. You also violated 15 U.S.C. 1692f - Collect any interest, fee, charge or expense incidental to the principal obligation unless it was authorized by the original debt agreement or is otherwise permitted by law. Also taking or threatening to repossess or disable property when the creditor has no enforceable right to the property or does not intend to do so, or if, under law, the property can not be taken, repossessed or disabled. 

XXXX XXXX, the co-applicant on this file with the original creditor, XXXX XXXX XXXX, passed away in 2021. I need a copy of a definite statement and an audit trail on this file and the forward flow agreement immediately. My aunt XXXX XXXX has been paying on the debt which XXXX XXXX XXXX sold the debt and another company sold it to you and the debt has been paid in full. You, Concord, purchased the debt which is a breach of the Gramm-Leach-Bliley Act since private information has been compromised and was given without our consent. XXXX XXXX did not sign any contract with Concord. There is a lien on the property of XXXX XXXX XXXX XXXXXXXX XXXX I called XXXX XXXX XXXX, the original creditors, and they can not find records of this account. I sent your information to our closing attorney and they rejected your pay off. There was some confusion on the invoice at the bottom stating $ XXXX ; there is no mention of our UCC financing statement and there is also no reference of the property address in question. 

If proper validation of this alleged debt is not provided immediately upon receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 

I have attached the following files for your review that states me, XXXX XXXX, being the executor of XXXX XXXX Estate. As a consumer we have a right to ask for an audit trail on this file.

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 2022-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The last 4 of my social security number are XXXX. I did not open a XXXX XXXX account with Comenity Bank, this balance is due to an annual membership fee, which I did not subscribe to. Not mine. Fraudulently opened. XXXX XXXX refuses to delete this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
On XX/XX/2022 I sent a letter to Portfolio Recovery Associates , LLC ( XXXX ) formally disputing an alleged debt, by requesting validation made pursuant to The Fair Debt Collection Practices Act and The Fair Credit Reporting Act, that is competent evidence bearing my signature showing I had or ever had a contractual obligation to pay Portfolio Recovery Associates , LLC. 
On XX/XX/2022 PRA signed for my certified letter, and responded by sending a print out of an unknown bill, failing to provide the requested information by law with my signature. 
On XX/XX/2022 I responded to PRA with a second letter of dispute, again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay Portfolio Recovery Associates , LLC. On or around XXXX PRA sent the same unknown bill, again failing to provide the requested information by law with my signature thus violating ( including but not limited to ) FDCPA Section 809 ( B ) FTC opinion letter Cass from XXXX. Portfolio Recovery Associates , LLC is in violation of Federal law and needs to remove the item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: KY

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
Exeter Finance claims that I owe the repayment of an auto loan. I disagree with their claim because I paid the bank for an extension of my own credit via a Finance Charge when I signed the contract for the XXXX XXXX XXXX back on XX/XX/XXXX. According to 15 USC 1605, ... the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The portion that says, ... payable directly or indirectly by the person to whom the credit is extended refers to me, the consumer, and the portion that says, ... imposed directly or indirectly by the creditor as an incident to the extension of credit., refers to the banks. The transaction was completed at the signing of the contract because the initial payment of the finance charge was needed for the banks to extend my credit to the dealership for the car. When I asked for the verification of the original creditor, not just the creditor, the bank claimed that they were the original creditor for each respective contract. This is false because the role of the bank is not to lend credit pursuant to 12 USC 1431 since it is not stated as a part of the Powers and Duties. By omission, I must be the original creditor since I am the only other party present in the consumer credit transaction. Therefore, there is no need to pay back something that already belongs to me, eliminating the idea of any debt. The only thing I would have had to pay to the bank was the Finance Charge which was already paid as explained earlier. This was a consumer credit transaction which was completed therefore there is no debt that I owe. I asked for validation of debt and each bank sent me a copy of the contract attached below which clearly indicates the price for the Finance Charge that I paid via my credit card for the extension of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: DISCOVER BANK
State: OK

Complaint narrative:
I did not permit DISCOVER XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To run an inquiry on my credit. I have not written anything saying that I was interested in. I don't even shop with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: AL

Complaint narrative:
Applied for Loan modification on XX/XX/2021. Never received any other written communication regarding the loan modification. Sometime around XX/XX/XXXX. I noticed that my account was showing that a loan modification had approved. I waited a few days and after I did not receive the modification papers in the mail, I sent a message via SLSs online messaging portal on XX/XX/XXXX. I requested information about the loan modification and I requested tracking information on the modification packet. I received no response. I sent a 2nd request on the same message portal on XX/XX/XXXX. I didnt not receive a response back until XX/XX/XXXX, when I was notified that the deadline to return the packet that I never received was that day. This is a direct violation of 1024.41 Loss mitigation procedures which requires borrowers to be notified in writing. 

I sent a Notice of Error/Qualified Written Request. Which has not been answered. The violation has not been remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
For background please refer to our prior complaints XXXX, XXXX, XXXX XXXX XXXX. 

Bank of America 's XX/XX/2022 response to complaint XXXX stated : " I am confirmed that our client was satisfied with this explanation at that time and they now consider this matter resolved. '' The quoted statement is false and was made with no basis. From the inception of this situation in XX/XX/2022 up until now, we have continuously demanded BOA provide us with all the information we have requested regarding the circumstances that led BOA to enter a spurious charge to our BOA credit card account. 

This demand has been reiterated in numerous written and oral communications with many BOA personnel- including attempts to bring the situation to the attention of BOA senior executives in XXXX XXXX XXXX. ( With specific reference to our XX/XX/XXXX telephone conversation with BOA 's XXXX XXXX, in which she apparently claims we expressed satisfaction and considered the matter resolved, we invite CFPB and BOA executive management to audit BOA 's recording of that conversation to confirm we said no such thing. ) We here reiterate our demand that BOA provide all the information we have requested over and over - including ( a ) the name of the bank or other institution to which {$1600.00} charged to our account was transmitted by BOA on or about XX/XX/XXXX XXXX ( b ) the specific information ( meaning the actual precise identifying personal data the imposter provided- not vague generalities, guesses or suppositions as to categories or possible types of information ) BOA received from a party impersonating us, upon which BOA relied in charging our account and releasing funds to the imposter. 

The information is obviously in BOA 's possession. We once again insist it be provided to us, in writing, so that we can determine any additional steps we may need to take to protect our assets.

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 2022-07-15 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX Reporting late payments and inaccurate information. 

Transunion reporting information without my written consent, XXXX reporting imformation without my concent, XXXX reporting information without my concent and all inaccurate. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Banking XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Gave permission for none of these XXXX XXXX XXXX  reporting collection inaccuracy and without permission XXXX XXXX XXXX reporting collection inaccuracy and without permission list of creditors inaccurate and without permission XXXXXXXX XXXX XXXX  innacurayly reported XXXX XXXX XXXX  XXXX negative payments reported inaccuratly JXXXX XXXX XXXX XXXX reporting late payments inaccurate XXXX  Reported : XX/XX/XXXX inaccuratly reporting late payments many on time payments not being reported. This is a violation of my rights and i have not given permission for any of nthis

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 2022-07-15 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: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I did not permit XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX SYNCB/WALGREENSDC XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX SYNCB/AMERICAN EAGLE PLCC XX/XX/XXXX To run an inquiry on my credit. I have not written anything saying that I was interested in. I don't even shop with these companies.

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 2022-07-15 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: MD

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days. And you'll are required by law to do so. Please investigate my disputes please. 

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 non-monetary relief
Consumer complaint received 2022-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days. And you'll are required by law to do so. Please investigate my disputes please. 

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 non-monetary relief
Consumer complaint received 2022-07-15 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: GA

Complaint narrative:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-15 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: WI

Complaint narrative:
When I went to the car dealership I got approved for one lender but ended up with 8 hard inquiries that I wasn't aware of. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Need Them Removed!

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 2022-07-15 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: GA

Complaint narrative:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation