vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: IL

Complaint narrative:
I used to live at XXXX XXXX  XXXX  XXXX XXXX in XXXX XXXX, California. I noticed that the lease that was available on XXXX, the website that this company uses to sign leases, was signed several days after I moved in. I know that I did not sign this lease as I signed a lease prior to moving in and the lease available online is not the same lease as the one that I did sign. The IP address associated with my signature and my cosigner 's signature matches the IP address of XXXX XXXX, who works at XXXX XXXX  XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX XXXX are now saying the I violated this lease after moving out and saying the I owe {$20000.00}, even though I did not sign this lease. They have reported this to IQ data International, a collections agency, which is now requesting that I pay them {$22000.00}. I never signed this lease, my signature was forged on this lease by XXXX XXXX, therefore, I am not responsible for paying this amount. 

I have also sent a letter disputing this debt to IQ data international, I still have not received any response or documents from IQ Data International that validate this debt. 

To prove that I did not sign this lease, I have attached the lease that is available on on-site.com, that includes my forged signature ( XXXX  ), so you can see the IP address of the signatures. I have also attached a summary of a form signed through XXXX  ( Summary.pdf ) that has my IP address, my cosigner 's IP address, and XXXX XXXX 's IP address listed. You can compare the two documents and see that XXXX XXXX 's IP Address matches the IP address used to forge my signature and my cosigner 's signature. While my IP address and my cosigner 's IP address are not found anywhere on this lease. In addition to that, the lease with my forged signature was signed on XX/XX/2020. I, however, moved in on XX/XX/2020 and I had signed the lease prior to moving in. You can see in the third document that I have attached ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ), the email I received from XXXX XXXX, confirming that the original lease that I signed was signed by all parties and completed on XX/XX/2020, 2 days before my signature was forged onto to this new lease. 

Furthermore, I am unable to obtain a copy of the original lease that I did sign prior to moving in, since the original lease was removed from XXXX and replaced with this new lease that I did not sign. XXXX has access to this lease and will need to be contacted to retrieve a copy, they have refused to send me a copy, therefore, I am unable to provide a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Chime Financial Inc
State: IL

Complaint narrative:
So I started a dispute transaction for a package I never received onXX/XX/2021. I was told i would receive a provisional credit within 10 business days if my dispute wasnt complete yet. Upon calling today i was told I dont qualify for the credit and the dispute will end in XX/XX/2021. The delivery driver has been contacting me being very aggressive. My bank is the XXXX XXXX XXXX through Chime

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Exeter Finance, LLC.
State: VA

Complaint narrative:
There has been unauthorized Inquiries on credit account I do not recognize. These accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: AZ

Complaint narrative:
On XX/XX/XXXX, I asked XXXX, Transunion, and XXXX  to investigate validity of debt on certain items inside my credit report. No response from any of them by XX/XX/21. I Sent a letter to demand to comply on XX/XX/21 as they have 30 days they have to respond to disputes, which they haven't done.

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 2021-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I lost my purse XX/XX/2021 around XXXX  when I was in XXXX and the person who got my purse made multiple different unauthorized purchases using my credit cards. 

This includes a transaction of {$1400.00} ( XXXX XXXX XXXX ) with my Bank of America credit card. Another transaction of {$51.00} with my Bank of America credit card was rejected automatically. 

I reported the credit card loss and the unauthorized transaction ( {$1400.00} ) to Bank of America on XX/XX/2021 night and requested a replacement card. 

After one month, I was notified by Bank of America that my fraud claim was declined. Because " the chip was read, your PIN was entered and/or you signed for the merchandise or service ''. I called Bank of America again provided additional details, like policy report number and information like I don't have a PIN for the credit card and my ID was also in the lost purse. However, they declined the fraud claim again with the same excuse. 


I have never been to the store ( XXXX XXXX XXXX ) and my other fraud claims in other banks are all approved. My credit card doesn't have a PIN and I don't believe Bank of America has ever checked the signature and confirmed that is from me.

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 2021-07-30 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
When I went into Bank of America at XXXX XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX ) this morning-XX/XX/XXXX, all I wanted to do is Deposit {$1600.00} and cash a check for {$500.00}. I was told my account was closed out on a holding ( With a balance of $ XXXX ). I was in shock. I asked why and got no answers. The manager ( XXXX XXXX ) made a phone call to someone who did not tell me his name and brought up my wife 's name with letters where he told me he had written me which I denied I EVER received any such correspondence. Since I was not getting anywhere, I left Pretty XXXX Mad the way I was being treated. I have been a loyal customer since XXXX when I was first in the XXXX. I am a XXXX member of which I do not understand and do not care. I have seen called the dispute and Fraud department of Bank of America to try and find what is going on to " NO AVAIL!! '' They placed some computer correspondence on my account to where I may go to another Bank. I am still Mad about the way I was treated and may want to close my account on the way it was handled where I could not access my checking account-It 's my account not theirs and no one can tell me why it was closed with my balance of {$60000.00} plus dollars!!

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 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX.. I am a Consumer natural person.. CAPITAL ONE BANK is in violation of my Consumer rights pursuant to the Truth In Lending Act & the Fair Credit Reporting Act.. On XX/XX/2021 CAPITAL ONE BANK closed my account without written consent or permission from myself the Original Creditor.. CAPITAL ONE BANK has no documentary evidence that states I extended authorization or gave them permission to act on my behalf.. My damages from such actions have exceeded & XXXX. I am filing this claim to notify CFPB of the wrong doings of CAPITAL ONE BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I the consumer XXXX XXXX, have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies related to identity theft. Unauthorized inquiries include XXXX XX/XX/21 XXXX/XXXX XX/XX/21 XXXX XXXX XX/XX/XXXX XXXX  XX/XX/21 XXXX XXXX XXXX  XX/XX/21 XXXX  XXXX XX/XX/21

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 2021-07-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote the three credit bureaus, XXXX, XXXX  and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

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 2021-07-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I wrote the three credit bureaus, XXXX, Equifax and XXXX  on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
I received a notification ( 3rd time ) that a collection was placed on my XXXX  credit report. The bill was from XXXX and I have NEVER had an account with XXXX. I wrote letters to the past two collection agencies and they removed the entry from my credit report. However, this company, CCS Collections has entered this collection on my credit report and refused to remove it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
Dynamic recovery solutions has threatened me multiple times & states that I owe them XXXX $ for a XXXX account that was opened in 2017 which I have no knowledge of, they threatened me saying if I dont pay they will sue me and take all my assets. They call me any hour of the day, sometimes at XXXX XXXX XXXX XXXX XXXX. Ive requested MULTIPLE TIMES for a hard copy of what I owe sent to my home address and they claim they have sent it but I have never received any documentation or paperwork from dynamic recovery solutions & they threatened me saying they will escalate my account to a higher price and amount due if I do not pay in full. I have no knowledge of this account and I believe this is a scam company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 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: MI

Complaint narrative:
After 40 days of me constantly disputing trying to get in contact or a response from the creditors, Bureaus, & third parties I ask that these inaccurate accounts be removed off my credit permanently due to the fact you guys keep going against the law disregarding me. I have rights too. 

Remove these inaccuracies off my file immediately! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: DISCOVER BANK
State: VA

Complaint narrative:
There has been unauthorized Inquiries on credit account I do not recognize. These accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
A debt collection company named LVNV Funding LLC sued me in court. Before court I sent a written request asking for a signed contract. I never received a signed contract. We went to court on XX/XX/2021. I told the judge I asked for a signed contract and I never received it. Consumers have rights. This is the second company that the debt was sold too. I didnt authorize them to purchase the debt and my personal information. The judge ruled in the debt collector favor but Im going to appeal. They didnt have the correct address in court. Its illegal for a collection agency to buy debt and come after the consumer. I need a signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
We took out a HELOC with Bank of America in XXXX, FL in XXXX, XXXX for {$500000.00}. We were told at the time if we closed the account earlier than three years from that time, there would be an early closure fee of up to {$450.00}. 

Our insurance deductible for wind loss increased significantly so we decided to forego wind loss insurance and self-insure. In order to do so, we needed either ( a ) a letter from BOA stating that they approve of the windstorm exclusion or ( b ) close out the HELOC which has no balance on it because no portion was ever drawn down. 

We were told on or about XX/XX/XXXX that the windstorm insurance could not be removed while BOA was lienholder so we inquired about closing out the HELOC. At that time, we were told the early closure amount due was approximately {$3000.00}. We were astounded. I spoke with a supervisor on XX/XX/XXXX after thoroughly reviewing our entire file again and she advised that the fee was security fees to record the mortgage in XXXX County, FL and that we should have that information in our file. 

We pulled the mortgage up online and saw the fees for the first time listed at the top and we completely astounded since we were NEVER told verbally or in any disclosure that these fees would be due as an early closure fee. Certainly the bank in XXXX County that closed the loan would be aware of certain fees. Pursuant to Paragraphs 14 and 15 of the Disclosure we have no liability for the security fees.

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 2021-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
Amount of debt {$3700.00} I have called them a lot of times and they keep repeating themselves that a letter will be sent to me but never received anything from them. This has been going on for a few months now.

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 2021-07-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
There has been unauthorized Inquiries on credit account I do not recognize. These accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: MI

Complaint narrative:
Checking my report & I still see some accounts & inquiries I have been disputing is still on my report after 40days. I have not heard anything from The creditors, bureaus, third parties. Computer generated response is not acceptable either & Im tired of you guys keep going against the law. So by written law stated remove these inaccuracies off my credit file permanently 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 non-monetary relief
Consumer complaint received 2021-07-29 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: MI

Complaint narrative:
Checking my report & I still see some accounts & inquiries I have been disputing is still on my report after 40days. I have not heard anything from The creditors, bureaus, third parties. Computer generated response is not acceptable either & Im tired of you guys keep going against the law. So by written law stated remove these inaccuracies off my credit file permanently 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 2021-07-29 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: MI

Complaint narrative:
Checking my report & I still see some accounts & inquiries I have been disputing is still on my report after 40days. I have not heard anything from The creditors, bureaus, third parties. Computer generated response is not acceptable either & Im tired of you guys keep going against the law. So by written law stated remove these inaccuracies off my credit file permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: IA

Complaint narrative:
They company radius global solutions llc have contacted me in regards to attempt to collect a debt that I dont owe to them. 
I XXXX XXXX is the original creditor who didnt sign an documentation with Radius and have no knowledge of an account with them and dont owe them anything.

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 2021-07-29 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: OH

Complaint narrative:
I ( the consumer ) noticed a lot of random inquires on my account that I didn't authorize, i think i may have become a victim of identity theft and want these accounts/ inquires removed. I believe I have a right to privacy and I also think that by having this information on my consumer report is a violation of 15 usc 1681.

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 2021-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: SC

Complaint narrative:
i want to know why thee is no help for people who have a fha mortage assitant program for people who behind with mortage payments who was behing with payments because they lost there income for 9 months because of pandemic but they have arental assisant program in sc for renters but none for people with mortages who facing the end of moritorim end of XXXX to keep there house out of forclosure give them a light line of people who had there house for 15 yrs or more facing this dilemma wrote XXXX XXXX no anwer in 2 months from white house on helping

Company response to consumer: Closed with explanation