vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Prime Recovery LLC
State: VA

Complaint narrative:
Prime Recovery LLC and XXXX XXXX and Attorney XXXX XXXX XXXX Phone : ( XXXX ) XXXX ( XXXX ) XXXX Address : Prime Recovery LLC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX Fl XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- I am requesting an escalation to the FTC to include a full investigation into the unlawful and deceptive business practices of Prime Recovery LLC, XXXX XXXX, and Attorney XXXX XXXX XXXX. Currently I am being harassed by Prime Recovery LLC, owned by XXXX XXXX, with Attorney XXXX XXXX XXXX as a partner in committing unlawful debt collection practices. The letters they flood my home mailbox, the phone calls, and other correspondence they attack me, my family, and my roommates with forcefully attempt to collect on a debt held by their office and they tell me that they have filed multiple lawsuits against me in court even though I already have verified that they received the notices I mailed them containing cease and desist letters to each of their correspondence addresses. In addition to those notices, I also verified they received the separate letters advising that I am having to file a bankruptcy and Im getting together my filing fees. In order for his company ( XXXX XXXX and Prime Recovery LLC XXXX to fraudulently obtain a default judgement, they lie outright and deny any receipt of my correspondence and continue to aggressively collect on a debt held by their offices. In the process of their profane and aggressive collection efforts before and after receiving my cease and desist requests with notification of bankruptcy intent ; they have exposed my private financial issues to estranged family members and my roommates. Their actions have put an agonizing amount of stress on me and ruined my mental health state. I have also escalated a formal complaint to the Virginia State Attorney Generals office for investigation into the business dealings of both Prime Recovery LLC, and Attorney XXXX XXXX XXXX in my state. After consulting with a legal advocate attorney who is handling other complaints against Prime Recovery LLC, I intend to seek all options through class action or individual suit including any compensation available to me based on the array of evidence I have accrued that documents in full detail their continued aggressive harassment, their collection agents abuse and coercion using lawsuits against me, intimidation and blatant disregard for the protective laws in place by flat out refusing to abide by my cease and desist requests even after receiving notice of my intent to file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I have found out the hard way that zelle doesn't have payer protection. I met this guy on XXXX  and was moved onto XXXX chatting about a product that I wanted to buy off of him. I ended up paying him {$300.00} and havent heard from him since. So I searched up if there was a way to get money back from Zelle and turns out you cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/2019 at XXXX MST AZ , I called Citi Bank to increase my credit line. They informed me I needed to remove my freeze from XXXX  before my report could be pulled. After this 8 minute call, I went online and removed the freeze. I called back at XXXX MST AZ to try again, and they still could not pull my report. They told me to wait a bit longer. I then called back at about XXXX MST AZ , and had them try again. They told me they still could not access my credit report. I asked to speak with a supervisor, who I then had try to pull my report again. I confirmed with all three credit bureaus ( XXXX, XXXX, and XXXX ) that there were no active freezes. After the supervisor pulled my credit, she told me she could not access it. I refreshed my credit report with XXXX, and saw that Citi Bank Best Buy Credit Card had pulled my credit. I told the supervisor this, who then told me she needed my phone number, which is why they couldn't increase my credit limit. She stated she could not take this information directly from me, and it had to come directly from the credit bureau. I told her she already had my phone number, and it was listed on my credit report as well. I was able to confirm this using the same access I saw my inquiry on. I am extremely upset with the level of service I am being provided, and believe my information is being used unfairly. My credit report was pulled, and yet they will not use it to make a decision on my credit limit increase. 

During this call, both the originating agent and the supervisor continuously called me " sir '' even though I am female. I don't know if this is their attempt at " fraud prevention, '' given my voice, but if so, it is clearly discriminatory.

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 2019-10-22 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: CA

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; I did not authorize the said inquiries, please delete.

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 2019-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ERC
State: CA

Complaint narrative:
It is for a total of XXXX, which was originally from an allegation in XXXX. It was sent to collections and was removed under and agency called, XXXX XXXX ( officially on my credit report XX/XX/XXXX ). Then they transferred this claim to another collection agency after it was removed, enhanced recovery company. It is the same state and city, just different P.O. Boxes. Then they fraudulently are making it seem it it from recent incident and dinged my credit XX/XX/XXXX. They have been saying I havent made payments every month and reporting, there is no monthly payments I agree to and this is not from this year. This is XXXX. Then I report it to XXXX who closed it in days and says this collection agency is right. How is that true when dates are not accurate nor is this monthly payment it is trying to falsify and affecting my credit every month. I am outraged how poorly this was handled. This should be taken off my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
XXXX XXXX has a old account settled in XXXX that keeps reappearing on my experian credit report and it now states its a debt from XXXX settled and XXXX balance. Its a total lie and incorrect. It was from XXXX settled way back then. It needs to be removed. Please make them remove it. Its effecting my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : 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 2019-10-22 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: VA

Complaint narrative:
XXXX report shows that I have a credit card account with XXXX XXXX bank and that I have a {$3000.00} outstanding debt. It also shows another name as also known as which is similar to my name. It also shows a random address that I have never been associated with. 
I also have a few other accounts that were opened fraudulently. 
I do not own any accounts other than XXXX XXXX XXXX XXXX which is closed and perfectly paid. 
I was a student abroad when the other accounts were opened here under my name. 
I am in no way associated with any of the accounts other than the previously mentioned one. 
My credit is going down the drain because of this fraud and I would like it to be fixed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : 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 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have constantly attempted to remove a debit that I do not owe. I have recurved countless harassing phone calls and threats from the debit collector. I want this account removed from all credit bureaus my credit before I seek legal help for personal damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 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: Prime Business Service, LLC
State: CA

Complaint narrative:
This account has absolutely no merit, I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifes as information that resulted from an alleged identity theft, within 4 business days.

I have filed the necessary paperwork with the FTC, along with local. I have also been in contact with the Attorney Generals Office of California - XXXX XXXX. 

This is a formal legal notice to Prime Business Service, to  cease and desist all collecting / reporting activities under the FDCPA 2009. 

I will not be harassed, this debt is uncollectible, untransferable due to the nature of fraud. This debt is the result of identity theft, the original owner of this debt has been notified. 

Under the FCRA 2009 and the FDCPA 2009, I am legally asking Prime Business Service LLC, to cease and desist and to stop all contact with me except with providing me any documents that I am entitled to, such as statements, and contact information. 

I have attached the necessary paperwork, including notice to furnisher, FTC Identity Theft Report, & FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Timeline of Events : XX/XX/XXXX - Forged checks under my name were created. XX/XX/XXXX - An unauthorized NEW chase account under my name was created and a debit card was sent to my house. The forged checks were deposited and attempted to be withdrawn, but Chase stopped the transaction. XX/XX/XXXX - Chase has identified unauthorized checks and asks me to contact them. XX/XX/XXXX - I contacted Chase and they could not verify my identity because I am located internationally at the moment. I contacted them several times and eventually shared all the information they required to confirm the false account is not mine. XX/XX/XXXX - My EXISTING online account is not working. When I contacted them, they said they have ended their relationship with me after people deposited and withdrew money in an newly opened account under my name. My existing account had XXXX and they deducted XXXX for issuing a check and have sent the remaining XXXX to me. As you can see, a NEW Chase account was opened under my name, but they closed by EXISTING account. First off, why did Chase allow a new account to be opened in my name? Second, when I inquired further, they closed my EXISTING account. My EXISTING account had nothing to do with this fraudulent activity. Why did Chase end their relationship with me so abruptly? Since the EXISTING account closed, which was my active bill paying account that I share with my wife and brother-in-law, we've had problems with bill payments ( many of them late ), deposits, etc. I could not access my history online and couldn't remember addresses to send bills. Chase has shut the door on me without any explanation and I want answers. Monetarily I can only ask for the {$24.00} fee that they deducted and the XXXX check that I never received. In addition, I want to understand why they decided to treat such a loyal customer like trash, and I wish I can paid for that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: VA

Complaint narrative:
XXXX report shows that I have a credit card account with XXXX XXXX bank and that I have a {$3000.00} outstanding debt. It also shows another name as also known as which is similar to my name. It also shows a random address that I have never been associated with. 
I also have a few other accounts that were opened fraudulently. 
I do not own any accounts other than XXXX XXXX XXXX XXXX which is closed and perfectly paid. 
I was a student abroad when the other accounts were opened here under my name. 
I am in no way associated with any of the accounts other than the previously mentioned one. 
My credit is going down the drain because of this fraud and I would like it to be fixed as soon as possible.

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 2019-10-22 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: VA

Complaint narrative:
XXXX  report shows that I have a credit card account with XXXX XXXX XXXX  and that I have a {$3000.00} outstanding debt. It also shows another name as also known as which is similar to my name. It also shows a random address that I have never been associated with. 
I also have a few other accounts that were opened fraudulently. 
I do not own any accounts other than XXXX XXXX XXXX XXXX which is closed and perfectly paid. 
I was a student abroad when the other accounts were opened here under my name. 
I am in no way associated with any of the accounts other than the previously mentioned one. 
My credit is going down the drain because of this fraud and I would like it to be fixed as soon as possible.

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 2019-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Having an issue with last members alias And never loving in a certain area.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUSTMARK CORPORATION
State: LA

Complaint narrative:
Tried to remove the report from Trustmark bank because its been past XXXX yrs and they are not doing it

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 2019-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
I have constantly disputed this collection as it is not mine. I have gotten repeated harassing phone calls from the debt collector and in process of seeking legal preparations for a law suit. The account in question belongs to my XXXX brother with the same last name and date of birth not me. Or SSN are 1 digit apart. This account is not mine and I want it removed ASAP from all credit bureaus to include XXXX, XXXX, and XXXX immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: FL

Complaint narrative:
This debt is not mine. I have attempted to have it removed and disputed on numerous occasions. I have spoke with the creditor and attempted to get it removed unsuccessfully. I have received numerous calls threatening about this debt collection. I do not owe this account or this Dad and I want it removed from all my credit bureaus immediately. To include XXXX, XXXX, and XXXX XXXX. I am in the process of seeking legal help and an attorney to pursue a lawsuit if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: FL

Complaint narrative:
This debt does not belong to me it belongs to my brother who has the same last name and same date of birth as well as close to the same Social Security number but one digit different. I want this account removed from all credit bureaus to include XXXX, XXXX XXXX, and XXXX  immediately. I also have received numerous harassing messages in the past related to this debt. I am seeking legal help and in the process of hiring attorney to sue for damages if this account is not resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Got charged with three XXXX XXXX dollar fees one reversed the others stay I didn't sign up for overdraft protection they said its included they refuse too refund the rest of fees of 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 monetary relief