vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX   XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX LVNV FUNDING LLC XXXX 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 District 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, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Richmond, Inc.
State: MI

Complaint narrative:
{$55.00} XXXX bill from 2017. I paid this bill directly to the XXXX   company now collection agency Finance System will not remove from all reporting bureaus. Removed from all but XXXX even after numerous disputes from me asking to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Yes, I check my credit score with XXXX yesterday and it was XXXX. I checked it today and it is reading as XXXX, with as to why it went down 23 points in one day. 

Also their is a XXXX/XXXX  account that is showing up as a public record when it is not. It is a credit card debt that has been resolved. 

I suspect fraud on my account because my information was breached in XX/XX/XXXX while working at XXXX XXXX, GA. I feel that the person who was abusing me gathered my information and corrupted my report, by reaching out to my former tenants and asking them to report untrue information. This is to create a boundary for me to make it difficult for me to progress XXXX XXXX XXXX reported that I owed them money as well as XXXX housing authority. Now every time I apply for an apartment it comes from these other sources that I owe these leasing companies. 

I've never been evicted, but these companies are reporting that I have. Now I'm XXXX because of their recklessness. Please help me resolve these issues by reaching out to XX/XX/XXXX, XX/XX/XXXX, Transunion, XXXX Housing Authority, XXXX/XXXX, XXXX XXXX XXXX, and Virginia Treasury Department, Please reach out to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and other leasing reporting agencies to have these incorrect items removed? The information that they have about my rental and credit history is suspected fraud on there part for reporting incorrect information.

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 2020-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I purchase a XXXX from XXXX XXXX XXXX in XXXX, Ca. They sign me up with XXXX XXXX. I received my car registration and it stated that TD Auto Finance was the lienholder. I called the Dealer and they inform me that it was their right to sell the loan to another company without notifying me. They said that TD Auto would send me the ensuing paperwork. They only sent me a bill no other paperwork. Told me to go online and set up auto pay. I did that by submitting all my pertinent information. The XX/XX/2020 payment was taken out of my checking. I received a letter saying that the cancelled XXXX XXXX XXXX amount was forwarded to TD Auto. They also stated that they sent the Gap Insurance Payment was sent to the dealer. I was informed by my Credit Card that I had a late charge involving my XXXX alert. I called TD Auto they said that I had missed my XXXX payment. I asked how could that happen when I had set up Auto pay from my checking account on file. XXXX from TD Auto said that a check from the maintenance was not paid. The Auto pay was cancelled so no more fees would occur. She supposedly didn't see all the information and could not give me a concise answer. I was told to contact the one that sent the check. I indeed contacted them and they Sent me the cancelled check with front and back supporting that it was cashed. I see where all of this occurred with enough time to inform me that they cancelled the Auto pay. My credit card said that it was reported to XXXX. Thats was why I called them and was made aware of the above after the late fee and missed payment. I paid what they reported was owed. After receiving the cancelled check I was lied to openly by TD Auto. They cashed the check close my checking account from Auto Pay and reported me to XXXX XXXX XXXX all while they were paid. Since they are not on the same page with their reporting. A look into my file would have sufficed with me waiting for an answer. But they did what they wanted with distributing their information with out contacting me after I submitted all my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
XX/XX/2020 To Whom it May Concern : This is the 2nd complaint Ive had to file with CFPD because SLS never completed the corrections they stated they were going to make to resolve the first complaint ( First complaint ID # XXXX ). 

In their settlement response it lists all the payments they were going to correct, then it states : In addition, SLS reversed a property inspection fee of {$11.00} and a previously collected late fee amount of {$160.00}. These funds were added to the unapplied funds of {$840.00} for a total of {$1000.00}. These unapplied funds will be applied to the XX/XX/2020 contractual monthly payment when the balance of the payment ( {$820.00} ) is received. 

This settlement statement was not made available to me until XX/XX/XXXX. I had already made my XXXX payment of {$1700.00} on XX/XX/XXXX and had also already sent my XXXX payment of {$1700.00} before I received the notice. Since I still shouldve had a credit of {$1000.00} as stated in SLS response, I sent {$740.00} on XX/XX/XXXX ( the ACTUAL amount due rather than the incorrect amount of {$820.00} as stated in their response ), to complete my XX/XX/XXXX mortgage payment. This shouldve completed all actions SLS agreed to and wouldve balanced by account. On XX/XX/XXXX I sent {$1700.00} XXXX the newly adjusted payment due to increase in escrow XXXX to satisfy XXXX payment, and on XX/XX/XXXX I sent {$1700.00} to satisfy XXXX payment. 

SLSs monthly statements ( included in the attachments ) never showed the credit indicated in their settlement response. In fact, XXXX statement indicated the total amount due was {$4000.00}, XXXX statement amount due was {$3600.00}, XXXX was {$4700.00}, XXXX was {$4700.00} and XXXX is {$3800.00}. In addition to these statements, I received 13 courtesy reminder letters between XX/XX/XXXX and XX/XX/XXXX telling me that my mortgage loan is in serious default, including a Notice of Default and Intent to Foreclose ( see attached ) dated XX/XX/XXXX! 

On XX/XX/XXXX I mailed and faxed SLS a letter explaining their errors, asking them to please apply the funds correctly. I received their response dated XX/XX/XXXX, which continued to blame the previous servicer for incorrectly applying funds to principle before the loan was transferred and tried to justify why they will not apply my payments as Ive requested. ( see attached ) In an effort to keep this professional I will refrain from detailing my frustration and complete lack of confidence in how my money is being so fraudulently handled by this company. Please help. Ive been trying to refinance for months now and Ive already lost so much money because of their continued dishonesty. Thanks in advance for any help you can render.

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 2020-07-22 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX   XXXX, XXXX XXXX, FL XXXX 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 XXXXUpon 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 XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX   XXXX, XXXX XXXX, FL 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 2020-07-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2020 I contacted Citibank through their interactive web chat to request assistance and information on how to close a maturing Certificate of Deposit ( CD ). The online assistant named XXXX helped me with the request and proceeded to close the CD. Unfortunately, in the process, XXXX mistakenly also closed another CD that was not scheduled to mature until XX/XX/2020. Citibank then assessed a penalty for closing the CD and took back all the accrued interest for the period. XXXX informed me of the mistake but refused to undo the CD closure and offered no alternative to solve the problem that she created ( see attached chat transcript ). I then reached out to Citi corporate and to my account representative Mr. XXXX XXXX at XXXX. Mr. XXXX promised that everything would be resolved and that Citibank would reimburse all costs related to the closure of the CD and that a new CD would be opened for the remaining term at the rate that I originally had on the CD. On XX/XX/2020 Citibank reimbursed me {$130.00} for the penalty assessed and the interest taken from the CD ( see attached letter from Citibank ). However, today is XX/XX/2020 and Citibank has not opened the CD, and has not paid me for the accrued interest that I lost ( according to my calculations, the amount owed should be around {$110.00}, which is calculated at the CD rate of 2.23 % for 71 days with a CD balance of {$25000.00} ). Furthermore, Mr. XXXX is unavailable and does not return emails or phone calls ( see emails attached ). All my previous attempts to put this issue to rest have been met with excuses and apologies instead of solutions. Citibank has been unprofessional and unresponsive but also is taking advantage of the situation and abusing a consumer. They have breached the contractual terms of my original CD and have demonstrated unwillingness to resolve this situation. As you know, the prevailing rates today are a fraction of what they were when I opened the CD almost a year ago. Due to Citibank 's negligence I can not find any other alternative to make up for the lost interest on the CD. I respectfully request your help to stop this type of abuse and get Citibank to remedy this situation. Thank you in advance for your assistance.

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 2020-07-22 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To whom it may concern I have been loyal customer to TD bank credit card for over 5 years and during the 5 years I never missed a payment under any circumstances and been paying higher interest to them and fees more then XXXX $ over the years. Recently and when the covid 19 pandemic had started in XXXX I lost my job like to many New Yorkers and lost my uncle due covid 19 and I had the worst Financial situation in my life I called my bank begging for help and trying to explain to them how bad is the situation here XXXX at the time but they werent even ready to hear my story they said we can help you because you late already 20 days or so. that call was made In the middle of XX/XX/2020 and they said there is nothing we can do to help you. You still have to pay us the high interest and the late fees otherwise we will report you to the credit agency as a missed payment. also, I called later on XXXX to beg them to not report me as missed payment after they report missed payment for XXXX their answer were the same I begged them to report me at least as ( affected by the pandemic ) not missed payment and yet they refused and were so heartless and money hungry they were waiting for 5 years to do that to me. 5 years of perfect payments which they didnt like because they couldnt charged me higher interest then which is already high 24 % interest rate. Please help to stop these big bank who took advantage of me because the pandemic and destroyed my Financial history. These big bank didnt follow with care act specially TD bank with I had to beg for help that I never got from them .and kept reporting me as missed payment like I choose to to miss payment and they forgot it was all out my control and I was a victim of a natural or declared disaster. Nevertheless, I called XXXX to ask for their lawful help and my right from the CARE ACT but they werent helpful at all and rolled for the big bank favorite and said even tho it was pandemic you were still have to pay them the only time you wont have to be them its if you dead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: TX

Complaint narrative:
I WAS VICTIM TO AN IDENTITY DEATH AND MY INFORMATIONS WAS STOLEN ON 2015. 
FOR SOME HOW MANY CREDIT CARD WAS APPLY UNDER MY SOCIAL AND I DID NOT AUTHORIZE THEM. 

XXXX  AND XXXX  WAS ABLE ABLE TO IDENTITY THE IDENTITY DEATH AND WAS ABLE TO CORRECT MY CREDIT AND DELETED ALL THE FRAUDS ACCOUNTS. 
HOWEVER, EXPERIAN IS STILL REPORTING ALL THESE FRAUD ACCOUNTS ON MY CREDIT. 
I CONTACTED THEM AND FILLE A COMPLAIN TO HAVE THESE FRAUD ACCOUNTS REMOVE TO MY CREDIT BUT THEY DENIED ME. 

I WOULD LIKE TO HAVE EXPERIAN DELETE ALL THE FRAUDULANT ACCOUNTS. 

I ATTACHED MY CREDIT FULL REPORT ON XXXX  AND EXPERAN

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 2020-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: FL

Complaint narrative:
On XX/XX/2020 I was sent a collection amount of {$330.00}, reference # XXXX, from Tate & Kirlin and Associates, INC. of XXXX, PA, for an Originator Creditor XXXX, account ending in XXXX. When I contact XXXX I am told I have no account with their company and I would have to resolve with the Creditor Tate & Kirlin. Tate & Kirlin have provided no details as to what this account/amount is or how it has originated, however, only seek a payment. I strongly believe this is fraud and harassment to collect a debt of which is definitely not mine! A fraud investigation into Tate & Kirlin is necessary to solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: PA

Complaint narrative:
I find out that I have 2 accounts on my credit report in which I do not have knowledge of it. I sent a dispute to trans union and XXXX on XX/XX/2020, after XXXX investigation they find out I was right and they delete these two accounts from my credit report. But TransUnion did not respond about these accounts dispute. On XX/XX/2020 I sent another dispute to TransUnion, this time I event sent a copy of deletion from experian as a proof that these accounts doesnt belong to me and must be remove immediately. Because under the FCRA these informations is not 100 % accurate, but TransUnion still refuse to remove the accounts and to respond. I need 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