vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have no legal liabilities to the collection company. The amount indicated in the report was already paid to the original creditor. The continuous reporting of this erroneous information on my credit report has been hurting my credit score massively and this is no longer acceptable. Documents and anything of its like should be presented for me to review the accuracy of your investigation. Failure to provide my request should result to the deletion of this account abruptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
Looking closely at this promissory note documents it's XXXX pages. There XXXX pages in this promissory note that makes it fraudulent, forged, and difficult to see something words or pages. This is not original documents. These XXXX pages below makes the entire documents invalid. 
Page XXXX errors : Make a note that the terms and agreement are all blurry and it is difficult to see the borrowers rights and etc. The signature has white out near XXXX There are XXXX illegal dates and initialization of XXXX is not mines. I initialize my name as XXXX. 
Page XXXX errors : ( XXXX ) XXXX Information is not checked. Area Code/ Fax number is incorrect. Certification Date is blank. ( XXXX ) Institution and Address is left blank. 
( XXXX ) Borrower Information full name and telephone number is incorrect. 
Singnature of Authroized XXXX signature is blank. 
Name and the Authorized XXXX in print is blank. 
Holder/Servicer is blank. 
XXXX XXXX is blank. 
Date is blank. 

Page 9 errors : ( 1 ) Holder/Servicer Information is not checked. Street section is incomplete. City, State, Zip Code is typed in out under the lines. Area Code/Telephone is typed in out under the line. Area Code/Fax # is typed in out under the line. ( 2 ) Institution and Address Area Code/Fax is blank.

( 3 ) Borrower Information Area Code/Telephone is the same as page 8.

( 4 ) Certification Date is typed in under the line. 
Signature of Authorized XXXX is electronically signed which is invalid. 
Name and Title of Authorized XXXX in print is typed small font which invalid. 
Holder Servicer name is typed in small font. This is invalid. 
Date XX/XX/2013 is typed in small font. This is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I started receiving emails from a representative from Resurgent, informing me that I owe {$1100.00} to LVNV Funding LLC and to contact them to pay the amount owed. I checked my credit reports to see what exactly this is for, and I see its 's a charge off for an account I never opened, and they have reported this collection on all bureaus and didn't provide their contact information on the collection account. I googled their information and started sending them letters requesting validation of debt bearing my signature and evidence that I owe them. 

I have sent the collection company LVNV Funding LLC XXXX letters requesting them to provide me with proof to validate the debt bearing my signature on : XX/XX/2021, XX/XX/2021 and XX/XX/2021. They have not responded to any of my request, but had their account XXXX : Resurgent Capital Services responded to my first and second request on XX/XX/2021 and XX/XX/2021 by sending me a bill and an Account summary report that they generated as proof. I responded to both LVNV and Resurgent on XX/XX/2021 letting them know that per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute validation, and to provide me with proof to validate the debt bearing my signature. 

They have not responded to my last request dated XX/XX/2021, they received the letter certified mail and signed for the letters on : XX/XX/2021 at XXXX. By not replying in a timely manner to my initial letter, they have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

My request is since LVNV Funding has now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item from all credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit reports, it has been well over XXXX days and i have not received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: UT

Complaint narrative:
They called saying I had a US Bank credit card that was charged off in 2015. They had some of my PII and were threatening court case. They wouldn't let me contact the owner of this said debt. I never received any communications from this and never saw this on my credit report in the last XXXX  years. Either this was a scam or was opened fraudulently in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I checked my Credit Reports today and see that a new Credit Card was opened using my info with CITI XXXX /Citi Bank starting with an inquiry on XX/XX/21, and issued a Credit Card for {$12000.00}. I have contacted XXXX to start a Fraud Complaint, I also reached out to Citi and was told they are starting the process but I would have to call the Fraud Dept directly but the number they gave me XXXX goes to a dead line. I will proceed to contact the FTC and the other XXXX XXXX XXXX XXXX XXXX ) asap. 

XXXX shows the address of the person who opened this new CC as XXXX XXXX XXXX XXXX, XXXX XXXX. I live in XXXX and have never lived in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on ENHANCED RECOVERY COLLECTION ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I XXXX XXXX am filing this complaint on my own accord and will. There is no third party present in or helping in the creation of this complaint I XXXX XXXX consumer, natural person, and original creditor of an open end credit plan was harmed by XXXX XXXX Santander XXXX XXXX XXXX Santander consumer USA specifically under XXXX XXXX XXXX consumer awareness, when i called to ask why my substitute check attached to my statement for remittance purposes was not clearing for deposit at the FDIC institution i bank with. I was immediately disconnected from the call after the XXXX from another department waited almost an hour with me on hold to get me to the XXXX of customer service and explain the issue i was having. A deposit in fact was made with their institution via my credit card and open end credit plan pursuit to 15 U.S.C. 1602 - Truth In Lending Act in which they are required to issue remittance coupons with periodic statements to consumers to show credits due to that said consumer. The adverse actions taken against me are seen as willfully noncompliance with the federal law as well as negligence towards a consumer. XXXX XXXX Santander XXXX XXXX. is now civilly liable to me pursuit to XXXX Cfr XXXX as well as 15 U.S.C. 1611 up to { {$5000.00} }.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There are several unauthorized transactions of {$730.00} which I've never made since XX/XX/2021 to XX/XX/2021 for XXXX, XXXX XXXX and XXXX on my checking account for almost XXXX years. The thing is I haven't used my debit card for purchasing something beside paying credit card, transferring money such as XXXX or XXXX, and paying rent. Whenever I use XXXX, XXXX XXXX, XXXX, I've been always using my credit card not debit or checking account. So, I requested dispute to the card company on XX/XX/2021 and they denied with the reason that the transactions were processed according to the information I provided or were authorized. Of course I don't want to pay for anything I've never made so I appealed again with proofs of my XXXX, XXXX XXXX, XXXX transaction history which don't even match with any of unauthorized transaction 's date or amount. However, they still denied the dispute request with the same reason. If they investigated all the unauthorized transactions, they probably could see who made the transactions, where XXXX purchased delivered or XXXX destinations which wouldn't match with my address or I haven't used this account for purchase but they still denied even though I sent them the proof. Also while I was requesting the dispute and card company sending me new debit card, someone used the updated debit card right away. According to card company, the card information on digital wallet automatically updated so still other person has my information can use the same account. The company 's security is so bad

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates Inc unlawfully accessed my credit report, specifically XXXX, on XX/XX/21 without giving notification or receiving consent. I do not have a relationship with Portfolio Recovery Associates and never have. Accessing my credit or personal data is unlawful without consent and purpose under 15 USC and Consumer Law. 
My personal data has since been breached and I have been a victim of identity theft through bad debit purchases. A complaint with the FTC has also been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.

Complaint narrative:
Have an account with The Online PNC-Bank XXXX They urged me to pay USD XXXX just to open my account for intl. transfers to my account in XXXX. Then me mad the first transfer, but never the money arrived in XXXX. After XXXX days me got a mail from the : INTERNATIONAL TRANSACTION PROCESSING UNIT XXXX : and asked me to pay taxes USD XXXX. Wanted to pay them from my USD-Account, but they refused, they blocked my account and all the transfers were be sent back to my US-account. They threatende me with shutting down of my account and the bank said the same. The Ombudsman, said, that company is fraud. Don't know, but me have no money in XXXX to pay to them and the wanted me to pay to the PNC-Bank . That's very seldom because there are about USD XXXX. Please see the latest mail from that bank from today : " Re : Re : My account with your bank-no. XXXX XXXX XXXX- Wan na make intl. transfers, but that's not possible. - Tax-problem Well it seems you dont want us to get this done for you All you have to do is wait till the appointed day then you will notice that your account is gone and the money will be sent back to XXXX XXXX account and shut it down too I will order my staffs to notify XXXX about the XXXX update, her fathers account will be shutdown permanently soon Good bye since I wanted to render a help to you but I noticed you are not ready to comply So me will lost all my payments and the money of that account. Suppose they are frauds like the tax-company, but not sure. Please help me to save my money. Thank you very, very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The apartments where I was living sold itself XXXX times while I was there for XXXX  years or so. They were poorly ran after the sales, so I decided to move. I gave proper notice and spoke with the front office associates ( manager and leasing agent ) to ensure that everything was good, and that my departing cost were settled. they informed me that it was fine, and that the pre-move out inspection was completed and approved, with no additional charges. Once I loved, I then received a letter stating additional charges for rent and replacing carpet. I had been there for almost over XXXX  years and they said that they expect carpet to stay looking new for 5-6 years or it will be charged to the resident upon their move out ( not informed of this on the pre-move out inspection ). In addition, I was charged for a couple of bags of trash left on the balcony, but on the weekend I was moving, the only trash compactor in the complex was overflowing to the point where it was all in the street. ( a regular occurrence on this property, and I took pictures ). I contact their headquarters and leasing office, yet I received no help. I was treated extremely disrespectful, and told " it is what it is ''. I explained that if they pulled my file that I was never later or delinquent on any rent payments and never had any issues while living there. I informed them that I even had a months deposit that I was entitled to, but they had no record ( since they changed owners and staff like most change their underwear ). I was willing to accept the lost of my deposit if the " bogus '' charges were waved ( even offering to pay for the XXXX bags of trash left ), but they had no interest in this solution. I am attempting to rent a home soon and my realistate agent stated that this would be something that could cause a denied application for rental or an extremely high deposit. I am looking for some resolve, since this is something that has further financial implication to myself and my family. Please let me know if there is anything else you need from me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: Collection Service of Nevada
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Reporting information is wrong/balance etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Company mailed card to incorrect address after card was finally received have never been able to use the card due to fraud charges and company keep sending me a new card but has yet to remove the fraud charges also keep charging myself program and late fees for something I have never used

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 I asked to have a wire transfer made to a vendor in XXXX from my personal Suntrust Account. I not only paid the international wire fee, but the fee the receiving bank would also require. However, by the XXXX, the funds had not been received so I went into the branch located in XXXX XXXX, Florida ( XXXX XXXX ). 
The amount that debited my account was {$50.00} for the transaction and {$4600.00}. However, when the funds came back, the amount was for {$4100.00}. When I asked why, no one at the branch could answer me. I asked the XXXX and he promised to give me a break down, but has not sent it nor has answered my calls. The customer service lines do not pick up ( I have waited for more than XXXX minutes ). The branch does not answer. I do not know what else do to. I want to know why I did not receive the full return of the funds if the wore never was funded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: Portfolio Recovery Associates, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
A dispute was filed XX/XX/2021 and this company is still reporting closed on XXXX bureaus and open on another bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have I sent out multiple request for the following accounts to be reviewed or removed from my credit report due to no response from the creditors : XXXX XX/XX/2021 AND XX/XX/2021 ( NO RESPONSE ) XXXX XXXX  XX/XX/2021 AND XX/XX/2021 XXXX XXXX  XX/XX/2021 AND XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have I sent out multiple request for the following accounts to be reviewed or removed from my credit report due to no response from the creditors : XXXX XX/XX/2021 AND XX/XX/2021 ( NO RESPONSE ) XXXX XXXX  XX/XX/2021 AND XX/XX/2021 XXXX XXXX XX/XX/2021 AND XX/XX/2021

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have I sent out multiple request for the following accounts to be reviewed or removed from my credit report due to no response from the creditors : XXXX XX/XX/2021 AND XX/XX/2021 ( NO RESPONSE ) XXXX XXXX  XX/XX/2021 AND XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 AND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I filed a dispute in regards to incorrect items on my credit reports, it has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation