vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-28 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: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC  # XXXX DOB XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THE ACCOUNTS 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 non-monetary relief
Consumer complaint received 2019-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX does not stop calling me even though I have a Bankruptcy in place. 
They continue to call repeatedly threaten me and need to stop by law. I have tried many times to let them know as well as sent them my bankruptcy paper work. They use false names as well as ghost phone numbers and I would like them to stop calling and harassing me. 

Attached is a copy of my last letter to them. I have sent a letter requesting them to stop in each name they have called under as well. 

Thank you XXXX XXXX XX/XX/XXXX Certified Return Receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  ( XXXX ) XXXX / ( XXXX ) XXXX / ( XXXX ) XXXX Debt Collector : Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. 
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the States Attorney Generals office. Civil and criminal claims will be pursued. 
Attached is a copy of my Chapter XXXX Discharge Dated XX/XX/XXXX. 
Collection of Discharged Debts Prohibited The discharge prohibits any attempt to collect from the debtor a debt that has been discharged. For example, a creditor is not permitted to contact a debtor by mail, phone, or otherwise, to file or continue a lawsuit, to attach wages or other property, or to take any other action to collect a discharged debt from the debtor. 
A creditor who violates this order can be required to pay damages and attorney 's fees to the debtor. 
Should any information needed please contact my attorney at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( fax ) XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CC : XXXX XXXX XXXX , CA States attorney Generals Office, NV States Attorney Generals Office , Office of the XXXX County District Attorney , United States Bankruptcy Court District of NevadaXXXX

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 2019-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: STATE FARM BANK, FSB
State: IL

Complaint narrative:
I was a victim of a credit card scheme and I reported fraudulent charges and payments on my card. After being heckled into it and harassed I was told I still owe double the balance on the card. In addition to that my account was closed due to the charge and I was sent a misleading letter to settle the account only to be bombarded with late fees and other charges when I called. When I asked why wasnt I notified on previous calls or sooner I was told I should have received emails. Even though up to the point of the call I had not received not one call, email, text or letter in regards to my card until after I received a letter to settle my account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Federal law limits consumers liability for unauthorized transactions on their credit card accounts. However, PenFed imposes a 60 day period for consumers to report unauthorized transactions on their VISA credit card. 

After asking PenFed to explain the procedure for disputing unauthorized charges on my account, I received a message from them ( see attached " Message 1 ... '' file ) containing the following sentence : " You have 60 days from the time your credit statement cycles to dispute the transaction in question. '' When asking for clarification in response to that message " Thank you for detailed instructions. I have one question about the 60 days requirement for the time frame to dispute unauthorized charges on my credit card account. Your company and VISA advertise {$0.00} liability for the unauthorized uses of the VISA card and it is not clear to me where o you disclose the 60 days limitation '', I received a response from PenFed highlighting among other things the following statement in their disclosure " You must contact us. *Within 60 days after the error appeared on your statement ''. 

While PenFed never mentions in their disclose that the 60 day limitation applies to the unauthorized charges ( PenFed uses the term " error '' ), my question to PenFed to which it responded was very specific and mentioned unauthorized charges. 

I would like CFPB to review the documentation and assess whether PenFed 's requirement to customers to agree with the words of the attached disclosure ( see the highlighted statement of " Message 2 attachment ... '' file ) and PenFed 's email communication implying that the highlighted statement pertains to unauthorized charges on consumer 's credit card account is compliant with the Federal law limiting consumer 's liability for unauthorized transactions on their credit card accounts.

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 2019-05-28 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: Mercedes Benz Financial Services
State: GA

Complaint narrative:
Mercedes Benz of XXXX ran my credit three times with out my consent the inquiry dates are XXXX  2018 ,XXXX/18 ,XXXX/18 under MB Fin SvCs

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
As of XX/XX/2018, we have made 3 requests via phone to Bayview to cancel PMI. Each time we were told that we qualify and to send request in writing. Each request in writing returned denials. EarlyXX/XX/XXXX, we submitted another request with copy of deed. Two weeks later Bayview responded that we qualify and to complete an affidavit of no lien in addition to an authorization for an appraisal. Appraisal completed on XX/XX/XXXX. XX/XX/XXXX letter from Bayview stating that the value of our home has decreased and a copy of the valuation report is enclosed. There was no valuation report enclosed. Called two times yesterday around XXXX XXXX and spoke first to XXXX and then XXXX XXXX. No one could locate copy of valuation report. XXXX reached out to XXXX, her supervisor for assistance and still to no avail. Bayview is not transparent. As of today XX/XX/XXXX still no copy of appraisal. Instead on XX/XX/XXXX Bayview performed an Escrow Analysis and determined that there will be a shortage in the escrow account and has increased our monthly mortgage payment by {$55.00}. This analysis is normally done in XX/XX/XXXX or XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My account is closed due to hardship concerning a decrease in my income. Although closed I have tried to make the minimum payment even though the account is closed. However I was a day late but the minimum payment was paid I was charged a late fee and raised my balance from {$150.00} to {$170.00} with a minimum payment from {$45.00} now {$65.00}. I can not afford anything over {$25.00} my household monthly income has drastically change. I have called several times and was told the late fee would be removed and it has not. I spoke with a supervisor and she wouldn't remove the payment. Telling me I am always late when I have actually been on time to clear this closed account out. 

www.synchronycredit.com Old Navy

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 monetary relief
Consumer complaint received 2019-05-29 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 — Problem with personal statement of dispute
Company: LEXISNEXIS
State: AL

Complaint narrative:
I have dispute a public record bankruptcy off my credit report with XXXX   about 30 plus times with the proper paperwork still won't deleted someone bankruptcy off my credit file they are in violation if my rights XXXX has remove the man name but not his bankruptcy back in XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTOR BUSSINESS BUREAU XXXX DOCTOR BUSSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX-XXXX-XXXX-XXXX-XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX-XXXX-XXXX DOB XX/XX/ CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
Mandarich law group mailed me a letter to my mothers house stating i was being sued i contacted them that i am XXXX  and currently XXXX. they stated they would be suing me, very unprofessional I told them once i got a job i would contact XXXX XXXX to pay they told me not to contact them and that they would be sueing me. it was a very harassing and intimidated phone call. Beware of MANDARICH LAW GROUP they want to coerce you into paying your debt and that is unlawful for a law group to use there position to threat a citizen and bring fear upon them in order to have them pay a bill. IT is an unlawful way to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
CHOICE RECOVERY INC # XXXX I dispute this account I have never done any business with this company. Please forward me any and all documentation concerning this debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY INC Provide verification of the following account # XXXX. please fill out and return the attached CREDITOR DISCLOSURE STATEMENT, or I can not take this account to be valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from  refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had some work being done on a condo we own. There was a contact where I gave them a payment at the time I signed the contract of {$1000.00} in XXXX of XXXX on my Citi-XXXX Visa Card. This is where the Merchant got my account number. 

At the time work was to start the Merchant was entitled to a progress payment of {$4100.00} which I made on XX/XX/XXXX. I used a different credit card with XXXX XXXX. 

XX/XX/XXXX was the last time the merchant was at the property. They did not return and the job was not quite 1/2 way. 

There was a condition in the contract that the Merchant would need a payment to continue after the rough plumbing inspection from the city was done. 

This had not be done. At this point they were not owed for work completed On XX/XX/XXXX the merchant charged my Citi-XXXX credit card without my authorization or approval. There were no terms in the contract or any agreement that allowed them to charge my card at will. 

I reported this to the local police and they referred me to my credit company but did write a incident report. 

The Citi Visa first responded with the fraud and reversed the charge.

They later backed off the {$4100.00} charge stating the merchant said it was an " installment sale ''. 

This was not an installment sale. If the merchant continued they would have been due money. The fact here is they were not given my authorization to use this card for further charges. 

The inspection that was supposed to happen before the payment for the merchant to continue was Disapproved meaning the merchant did not get the approval necessary to continue. 

At this point, Citi Visa is telling me that they are not going to reverse the charge this merchant made on my account without asking me. 

There was over 6 months from the time I used this card with this merchant and should not have been able to use this account without getting a new 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 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have a Mastercard which is associated with the company XXXX ( XXXX XXXX XXXX ). ( The credit card is issued by US Bank. ) Their special offer is that whenever I make a purchase from XXXX I will receive a 10 % rebate on a purchase from XXXX the next year or if the use of the card is made from an entity other than XXXX the rebate will be 1 %. On XX/XX/XXXX I placed an order with XXXX. On XX/XX/XXXX I received a letter from Mastercard telling me if I did not use the card by XX/XX/XXXX the card would be cancelled. I called XXXX on XX/XX/XXXX as I had not yet received my order and the timing of the letter from Mastercard seemed oddly coincidental. XXXX reported that Mastercard had denied the charges so my order had been cancelled. I then called Mastercard. The customer service rep apologized for my " disappointment '' and denied that the charges were denied or that a letter was sent to me. He said that my card would be cancelled if I did not use it by XX/XX/XXXX however even though the expiration date on my card is XX/XX/XXXX. I have a perfect credit score and have never had any credit problems. I have no balance on the card. I believe Mastercard is treating me this way because I do not use their card very often so they are punishing me because they are not profiting off of me even though I have not done anything wrong. 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 monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
best buy is reporting incorrect info to the credit bureaus.

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 2019-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
XX/XX/XXXX until XX/XX/XXXX I was applying for social security XXXX which denied and I am XXXX  with no source of income. I can not afford to pay XXXX XXXX # XXXX balance of {$4800.00} as of XX/XX/XXXX. I received a Notice And Summons. 

Attorney : XXXX XXXX XXXX , XXXX ( GA ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Plaintiff : Cavalry SPV 1, LLC, as assigner of XXXX , XXXX . 
Case Number XXXX Date Filed : XX/XX/XXXX

Company response to consumer: Closed with explanation