vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 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: TX

Complaint narrative:
This is in reference to an alleged debt Ive been harassed and abused by Resurgent/LVNV Funding for. I was notified by your company of the alleged debt again recently on XX/XX/2022. 

According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. 

Resurgent/LVNV Funding and its agents harassed me for an alleged debt that was not even validated. Your Company shared statements as well as a copy of a Consumer Contract as evidence of the debt but as per the judgment in the case of XXXXXXXX XXXX XXXX XXXXXXXX a copy of the Consumer Contract is not sufficient evidence of debt. 

Due to your continuous act of deceit, coercion, and intimidation, I am forced to take further litigation and seek compensation for damages through a competent common law court. All communications and omissions will be made part of and incorporated into any litigation arising from this matter. If any negative mark continues to report on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act and Defamation of Character, Aggravated Identity Theft and Conspiracy. The alleged " " creditor '' reported this on my Consumer Report as " charged off. '' It means that the creditor will no longer attempt to collect this alleged debt owed by them. I would like to know for what price did you purchase this debt? 

I hereby grant your Resurgent/LVNV Funding the opportunity to amicably resolve the matter by way of doing the following ; 1. Deletion from all consumer reports 2. Clear away any alleged balance owed THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT.

You shall be granted thirty ( 30 days to respond. If there is no response to this complaint within the prescribed time period, all legal rights shall be explored, including, but not limited to legal proceedings necessary in accordance with State and Federal laws. 

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: UT

Complaint narrative:
I do not have confidence in the National Consumer Telecom & Utilities Exchange aka NCTUE to deliver what I am requesting if I go directly to them. I have heard enough from other consumers that had problems getting their file disclosures on their own and always having to involve the CFPB. So, I am utilizing the CFPB to help me obtain my full file disclosure from the NCTUE so I can make sure the info on my file is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a call from Nordstrom Card Services from a lady by the name of XXXX. I had reported several charges amounting to over {$27000.00} to them that I found on my statements from the same merchant over and over. I made it clear to them this is not a dispute for a charge I made but rather a completely fraudulent charge, she proceeded to tell me due to the time limit she could not find enough evidence that these were fraudulent. I asked why cant she directly call the company that made these charges to see why I was charged and find out who charged my card. She said she wasnt going to do that. She repeatedly told me untrue facts regarding the guidelines for fraudulent charges and then when I made her aware I knew what the guidelines were she changed her story, i did not make these charges they are 100 % Fraudulent and Im asking them to prove they are not fraudulent but instead shes wants to just say she cant label them fraudulent or credit my account. Every company has a way of going to the merchant to prove why these Charges were made Nordstrom has not even done that. Their policy is 0 % liability for fraudulent charges and that is false advertising. I demand a full investigation into these charges and want to be credited back my money I paid them. The same merchants have charges 6 other credit cards of mine and I have filed those as well, I offered to send her proof of that she said that wasnt good enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Below was a message I sent to PayPal that has yet to be resolved/replied to : " I tried to sync my XXXX to PayPal, but XXXX asked me to set up my PayPal as a business account. So I did. Then, 1 minute later, my PayPal account was " permanently limited '' ' but gave NO SPECIFIC reason as to why. I read every User Agreement and Resolutions page on PayPal, but there is no answer I could find. I've been on hold with PayPal 's customer support for over 2 hours! I need : 1 ) to unlock my account 2 ) transfer the money in my PayPal to my bank account, asap! There was already a class-action law suit against PayPal where your company had to pay {$4.00} XXXX in restitution. '' I have close to {$500.00} stuck in my account with no way to transfer and get it ou!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: FL

Complaint narrative:
Received a letter from a debt collector, XXXX XXXX XXXX, regarding the suspension of consumer XXXX credit card ( driver license card ) ending XXXX, dated XX/XX/22 as abusive, unfair, deceptive, the implication of bond with court in violation FDCPA 1692e ( 1 ). 

This unauthorized action of debt collector pursuant to 1692i ( b ) has violated my right of privacy in reporting to Checkr a consumer reporting agency for which the report is disputed.

Pursuant to 12 CFR 1016.15 ( a ) ( 1 ) I revoke the consent and direct Checkr to cease and desist, as right to opt out, use of personal information and injurious negative information.

The report has impacted me negatively in 1692 ( a ) ( 1 ), as I have lost my job.

Checkr is instructed to delete all my personal information in accordance to 15 U.S.C. 1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking number.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 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
My previous complaint included the following statement " In XXXX of 2022 Seventh Avenue reported to the credit bureau 's that I owed them {$150.00} for an order that was placed on their website. I had never heard of this website, did not order anything, and did not receive a package. When I looked further into it they had completely gotten my gender wrong by saying it was for a " XXXX '' ... .I 'm a female. It also was addressed to an address I haven't lived at for over 2 years. When I disputed this with XXXX, I also took the initiative to call the company and ask about it myself. I have a recording with a representative of Seventh Avenue 's billing department where they state that the issue has been looked at and will be removed from my account. It is now saying that it is my debt and is continuing to impact my credit. I have been lied to and mislead. Upon looking at other reviews it looks like this is a common tactic that the company uses to force people into debt with them. This company needs to be investigated. '' They claimed that they sent me an affidavit, which I never received. They have not even attempted to contact me in any other way. My credit continues to get hit and lower from these late payments. I need a resolution. THIS IS NOT MY DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
I was an account holder with Self Financial and had a secured credit card with a {$600.00} limit. I made on time payments each month. I decided to pay the card off with its remaining amount of {$500.00} on XX/XX/2022 and I closed the account on that same day. My credit report is still showing that the account is open and active. I disputed this using XXXX XXXX but was told that the company disagreed with my dispute. I have then re-disputed this using the XXXX website and have provided them supporting documents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: NC

Complaint narrative:
XX/XX/XXXX, and XX/XX/XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX ( a third party collection agency ) was contacted in regard to two fraudulent accounts ; XXXX XXXX XXXX XXXX in the amount of and XXXX XXXX XXXX XXXX in the amount of {$210.00}. Alleged debt for account XXXX on XXXX Transunion report was being reported at {$220.00}. XX/XX/XXXX Transunion credit report is now being reported at {$140.00}. 

An Affidavit of Fact was sent to XXXX XXXX CEO of XXXX  and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

There has not been a VALIDATION of alleged debt by either Transunion or the third party collection agency. 

My credit profile that was generated XX/XX/XXXX, indicates that the " Account information disputed by consumer '', but it is still reporting negatively on my report.

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 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
it happened that i noticed some fraudulent activity on my bank of America account. after i disputed the charges through bank of America, they advised me to open a new account so they transfer my funds to my new account and close the old one. i agreed and they did that fund transferring from the old to the new account. i have called bank of America maybe XXXX XXXX time to close the old one so i do not receive notification email regarding the old account. theses repeated requests all were ignored. after around XXXX months later i received a call from XXXX XXXX XXXX informing me that they will close my account with them due to a XXXX  report from Bank of America STATING I HAD account Abuse. I was shocked because i have been a very excellent customer to Bank of America since XXXX after another XXXX calls to this bank, finally an agent explained to me that the bank itself has committed a mistake by overcompensating me an amount arround XXXX on one of my DISPUTE claims. then for correcting this problem Bank of America decided to correct their mistake by reporting me to XXXX as an account Abuser, instead of informing ME that i was overcompensated and should return that money to bank of America. Very interesting!! as soon as i found out about that charge i paid that balance right away and bank of America promised to remove that report from my XXXX. but they only updated the balance to XXXX. and now I AM UNABLE TO OPEN A NEW ACCOUNT WITH ANY OTHER BANK and that is because Bank of America agents are IRRESPONSIBLE.

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 2022-10-06 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: EQUIFAX, INC.
State: TN

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking number.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK
State: CA

Complaint narrative:
Hi, I received a debt collection letter, and I have a concern I would like to bring to your office. 

XXXXXXXX XXXX XXXXXXXX, XXXX. ( XXXX, MA ) sent me the letter. While they are a legitimate law firm with actual lawyers on staff, their letter appears to make a consumer think it's communication from lawyers at their firm, when in actuality it's not. 

On the immediate top, left-hand side, the first thing I read was their address : XXXX XXXX XXXX XXXX XXXX. 
ATTORNEYS AT LAW XXXX XXXX XXXX, XXXX, MA XXXX Therefore, I thought this letter was from an attorney that was trying to sue me. In fact their website boasts that they are attorneys that go after debt collections. 

However, I noticed the address on the bottom of the page omits " XXXX XXXX XXXX ''. 
Furthermore, on their website, they also omit " XXXX XXXX XXXX '' in their mailing address on the Contact page. 
( Only on top of the collection letter, where it's 1 of the first things to catch many consumers eyes, does XXXX include " XXXXXXXX XXXX XXXX '' in a mailing address. ) When I flipped the letter over, it says " Important Information : As of this time, no attorney with this firm has personally reviewed the particular circumstances of your account. This letter is not a threat to suit and should not be construed to be a threat to suit ''. 
Can you explain to me why this " important information '' would be on the BACK of the letter? Why would they hide the " important information '' on the back page of the letter, yet they found they should put put non-essential info ( " XXXXXXXX XXXX  XXXX '' in the address ) on the front page? 

I fear that many consumers have fallen into thinking this debt collection is from an actual lawyer that is trying to sue. When in actuality, it's not. 

Can your office please look into this? I see it as a stumbling block for many consumers. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My Target red card with TD Bank was settled with their XXXX party agency XXXX  and has not been updated on my credit report to show a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The credit bureaus stated my account was properly investigated for a bankruptcy they are reporting, but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking 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 2022-10-06 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: TD BANK US HOLDING COMPANY
State: AK

Complaint narrative:
I see that there was an inquiry on my credit report for the TARGET CREDIT CARD from TD BANK USA that I did not authorize. I did not apply for this card and believe I was the victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
After reviewing my credit profile on XX/XX/2022 I identified discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.

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 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
I mailed a check to a vendor for almost {$7000.00} and the check was stolen from the XXXX. The thief " bleached '' the name of the vendor, changed it to her name and cashed it. First National Bank of PA cleared the check and the funds were taken out of our account. When I discovered that our payment had not reached the vendor, and I could see the name had been changed on a copy of the check online ( XXXX week after the fraud ), I went into the bank and spent XXXX hours filling out a fraud report on XX/XX/2022. In addition, I filed a police report, and the US Postal Service sent a representative who told me they had been surveilling the home of suspected mail thieves and were able to retrieve a copy of the fraudulent check and deposit slip to prove my funds had been stolen. They were able to obtain a search warrant and two people were arrested. I sent this information to the bank via email so they would have the contact information of the XXXX fraud department. The bank assured me that they were reviewing the case. Today is XX/XX/2022 and the bank has still not refunded the stolen funds. Although the branch manager has been extremely helpful and supportive, we still don't have our money back and it is impossible to pay bills with an " I'm sorry ''. I don't know what else to do but to leave feedback on how the bank has responded to our situation. This is First National Bank of PA and is located in XXXX, NC. I hope this feedback helps someone else to understand how First National Bank of PA handles fraud cases and the length of time it will take to get your money back ( if we ever do get it back ) when it is so obvious that the situation is fraudulent. XXXX XXXX.

Company response to consumer: Closed with monetary relief