vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Several factors like recent past experience. Data Breach, Identity, Theft, Mortgage consumers, disadvantage or loss step 1. what happened, What is this complaint about Harasses, excessive force, XXXX XXXX, false arrests, the fabrication of evidence and the failure to keep from harm terrorized in every name business and personal and proper name. i have ever used, and under many names and accounts invasion under the court- system filed false statements causes the citizens to be terrorized victim of Portfolio Recovery Associates , LLC , the actions of a debt collector pursuing a consumer assumed debt. I have been Portfolio Recovery Associates INC not No license properly EIN/ IRS Tax ID Number/EIN Florida Business are harassment by third party debt collectors. Collector has violated the FDCPA, the collector in filed court case in court. violated the Fair Debt Collection Practices Act passed the statute of limitations in Florida. third-party collectors alleging unfair, Invasion, of privacy deceptive, and abusive debt collection acts and deceptive debt collection practices. Recovery submits that has passed the statute of limitations in Florida to the court or incomplete documents commit fraud copied information and pasted partial accounts to XXXX and senior citizens. Step 2 :  Often, harassing phone calls, then letters and now In the lawsuit Stolen personal information to commit XXXX. The documents letters that Portfolio Recovery mails or submits to the court or produces in discovery are scam claiming I owe Credit debt of incomplete documents copied information. unknown accounts. or don't prove the debt belongs to the person being sued collection agencies suing credit card owners who have defaulted on their debt No way of known How they invade every area of a person creditability. Without producing an in discovery uses Clerks to file are incomplete case and uses services and or don't prove the debt belongs to the person before being sued.in court practices. What type of problem are you having unauthorized personal information under created fabricated accounts don't prove the debt belongs to the me or person being sued. Step 3 : What happened Attorneys file violations of the Fair Debt Collection Practices Act ( FDCPA ), new accounts including improper contact sharing of information. Partial account of stolen information on its own authority. The federal legislation thats supposed to regulate the debt collection industry. They can took over or even open new accounts, Step 4 : What company is this complaint about someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception or inaccurate debt postings with credit reporting agencies, Step 5 : Who are the people involved not sure of the Object Constancy,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC
State: DC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that LOANCARE SERVICING CTR has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have been a Citi credit card holder since 2009 and have always paid my balance in full. I have not been late for any payments and have an excellent credit score. When I tried using my card couple days ago, my transaction was declined. I ignored it as i thought it may have been due to some fraud policy. But it happened yet again, and then when I checked my online banking account, I noticed that my credit card account has been closed. I received no letter about this and also no reason for closure seems to make sense here. When I called the customer service center to learn about my closure reasons, I was told that I will have to write a letter to a certain address and they can give me more details. The least of all Citi could have given me information on the phone as to why my card was closed. I wonder if this was due to an error in their system? I see no reason why an active credit card, with no payment defaults was closed. Additionally I had recurring payments setup on the card which will now need to be transferred over to another card.

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 2019-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I  prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
I have for 3 months now through fax, phone message and mail to1 get a copy of my credit report, 2 place a freeze on my credit report all through no avail .. I call daily 15 times throughout normal business hours to never get any one on the phone and the same message that they will call you back after a message is left in 24 hours to never hear from anyone or never get anyone on the phone .. same thing through fax and mail no response at all 3 months in XXXX how is this company able to operate? Sage stream is the company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The Constitution Article I, section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. The Obligations of Contracts Clause, typically called simply the Contracts Clause, prohibits the states from interfering with private contracts. While the clause might be applied to many types of common business dealings today, the framers of the Constitution intended it mainly to protect contracts providing for the payments of debts. Under the weaker Articles of Confederation, the states were allowed to enact preferential laws forgiving the debts of particular individuals. The Contracts Clause also prohibits the states from issuing their own paper money or coins and requires the states to use only valid U.S. money gold and silver Coin to pay their debts. Article IV All Debts contracted and Engagements entered into, before the Adoption of this Constitution, shall be as valid against the United States under this Constitution, as under the Confederation. This  Constitution, and the Laws of the United States which shall be made in Pursuance thereof ; and all Treaties made, or which shall be made, under the Authority of the United States, shall be the supreme Law of the Land ; and the Judges in every State shall be bound thereby, any Thing in the Constitution or Laws of any State to the Contrary notwithstanding. The Senators and Representatives before mentioned, and the Members of the several State Legislatures, and all executive and judicial Officers, both of the United States and of the several States, shall be bound by Oath or Affirmation, to support this Constitution ; but no religious Test shall ever be required as a Qualification to any Office or public Trust under the United States. THERE FOR BY LAW THIS AGENCY CAN NOT DEMAND PAYMENT OF DEBT IN FEDERAL RESERVE NOTES. SEE : HOUSE JOINT RESOLUTION 192 73RD CONGRESS ON JUNE 5TH 1933 PUBLIC LAW 7310 STATES THE PASSAGE OF HOUSE JOINT RESOLUTION HJR-192 REMOVED THE ABILITY OF THE PUBLIC TO PAY DEBT WITH LAWFUL MONEY FOR THE PAYMENT OF DEBT WITH MONEY WAS REMOVED BY CONGRESS, THE LAW REQUIRED REMEDY.

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 2019-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Ditech did not run a correct escrow analysis on my account which shows my property taxes has changed to XXXX which I have a {$660.00} surplus that needs to be issued as a refund and change my monthly payment to the correct amount. Ditech still not reporting my correct mortgage balance each month to all 3 credit agencies. I sent Ditech a copy of my current tax bill which is XXXX ( {$0.00} ) they still are withholding my fund do to their legal team can not do basic math or look at the XXXX website and see I do not have a tax bill. I will provide CFPB with a copy and Ditech again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: OH

Complaint narrative:
I have requested proper legal documentation from XXXX XXXX XXXX XXXX XXXX. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT

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 2019-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SYNCB/CARE CREDIT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-10-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NFCU XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ALLY FINANCIAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-10-24 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: AZ

Complaint narrative:
Portfolio Recovery Associates has a purchased debt from XXXX XXXX that does not belong to me. It shows up on my XXXX Credit Report. I was in XXXX XXXX while this account was active and have emailed PRA numerous times and I've gotten no response. I've disputed this with XXXX and they also have done nothing. The debt is for only {$1200.00} but I should not have to pay something that is not my debt. I have contacted XXXX XXXX as well and they verified the social security number and date of birth on the account are not mine. There was an address on the original XXXX XXXX account in XXXX, NY, which I've never lived at nor been associated with. PRA refuses to remove this debt from my account despite me contacting them proactively numerous times to resolve this issue. 

They responded by stating the same inane comments about proving the debt is mine by showing a credit card statement for an address I've never lived at. THE SOCIAL SECURITY NUMBER AND DATE OF BIRTH ON THE ACCOUNT ARE NOT MINE. 
I WAS IN XXXX XXXX  DURING THE TIME THIS ACCOUNT WAS ACTIVE. 

I've contacted an attorney who will be contacting PRA shortly to resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/XXXX, I made a purchase from XXXX using their automated telephone service. They added on multiiple fees that were not upfront so when i finalized the transaction it was much more money that I had intended to spend, the total amount was {$430.00}. Immediately after, I called back and requested to cancel the transaction. I was told by the representative that I could not cancel. I then immediately called my credit card company ( Citi Cards ) and told them I wanted the transaction cancelled, no merchandise or services were exchanged. The Citi representative told me I had to wait for the transaction to 'post ' before they would dispute my charges. On XX/XX/XXXX the charge finally posted and I opened up the dispute. XX/XX/XXXX I got an email that the dispute was resolved but no information was posted to my account, i had to wait until XX/XX/XXXX at which time I was informed that they found in favor of the merchant XXXX. In their statement, XXXX alleges that I was informed of their non-return/cancellation policy but in fact i was not provided that information at the time of purchase. I only found out about it when they submitted it as a defense. I sent Citi Cards a page from my mobile account showing the phone call log where i attempted to cancel the transaction and then immediatly called Citi Cards. Citi told me that was not enough evidence and XXXX refused to cancel, they threatened that if i called my credit card company to cancel the transaction that i would never be allowed to use their services again, at which i responded that i didn't care about ever using them again. XX/XX/XXXX, i got an email from XXXX, it says that the 'seller ' has not received the tickets and therefore can't give them to XXXX to give to me. So two things, firstly, XXXX is selling merchandise/service for something that they DONT HAVE, they are selling something that the seller doesn't even have! Secondly, this is in fact ticket scalping and ticket gouging, getting tickets and reselling for prices far beyond their actual value. I submitted this new information on to Citi Cards and they still will not protect my purchase and cancel the transaction. I was charged {$430.00} for two tickets, on XXXX you they are selling for {$100.00} each. They charged more than double the price and they are not premium seats.

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 2019-10-24 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: EQUIFAX, INC.

Complaint narrative:
I am a victim of identity theft, and I am not a credit repair agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/19, I noticed two fraudulent transactions accord in my saving account on XX/XX/19. I called chase after hours to report the incident. The fraud department informed me that it was XXXX account. I informed him that I do not own a XXXX account and I didnt not link it to my saving account. I requested for him to look up any additional transactions and he was able to tell me that there where two additional in XX/XX/2019. Because of of this he informed me Chase can only help me with the the earlier incident and not the only I onces that accord on XX/XX/19. Which was larger amount ( XXXX and XXXX dollars ) and it was my fault not noticing and I was on my own. On XX/XX/19, I went to my local chase bank in XXXX and the banker called the customer claims. I requested to speak to the supervisor at the claims department. I informed her of what occurred and she was polite and told me that I was correct and XXXX will honor my claim. However, on XX/XX/19 I received a letter from chase rejecting the XX/XX/19 claim and only giving me back the smaller transactions in XX/XX/2019.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: OR

Complaint narrative:
I sent a request for validation of debt to Williams & Fudge Inc. on XX/XX/2019. I still have not received proof of debt from this company. 

They made contact with me via phone on XXXX/XXXX/2019 and still did not provide any validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have TD bank, my soon to be ex emptied my account many times over.Her and I went in to TD Bank and I got her off my account. She apparently went back in later in the week and got her own account with a overdraft on my account without me knowing or my permission.She was taking {$1000.00} a week and I kept asking TD bank about it but they said they could not tell me where my money is because I am not on whoever 's account it is.I said close it but they said the other person who has that account has to. She stole $ XXXX {$60000.00} from me and TD did nothing for me. I need help bad, thank you and have a great day. XXXX XXXX

Company response to consumer: Closed with explanation