vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX. I am a XXXX Consumer from California. At XXXX XXXX today on my cellualr telephone ending in XXXX I got a SMS Need FAST CASH!? Apply NOW at XXXX. XXXX Txt Stop To Stop XXXX XXXX is not ok and woke me up. This is a violation of the California Rosenthal Act to say the least. Contacting any consumer before XXXX is not allowed. 

This complaint also involves the parent company LDF Holding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Online Security Freeze with Experian - repeated efforts fail for myself, my husband and I even had my kids try. The only alternative is to mail then detailed financial information, drivers license copy etc. that I would NOT want to send via mail. I believe that they intentionally make it impossible to put a freeze on easily to circumvent the law and push folks to use the paid credit lock service. Please investigate and see if you can even put a freeze on an account and you will see what i mean.

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 2019-01-30 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:
In XXXX I was informed by XXXX XXXX XXXX XXXX I was involved in a large data breach where my account and personal information were compromised. In XX/XX/XXXX I reviewed my credit report I noticed several fraudulent accounts I believe to be from this breach. I would like the incorrect documented information on my credit report removed immediately.Thank You.

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 2019-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
1. Receivables Management ( I have attached the document to the complaint ) - I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demanded the following account be verified or removed immediately. 

This showing up on XXXX, XXXX, and XXXX. 

Thank you for assistance on correcting this matter for me. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My ex-girlfriend opened a credit card with me as an authorized user, not co-signer, allowed the account to go delinquent and close, and it is now negatively affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
One XX/XX/XXXX I made my XX/XX/XXXX mortgage payment in the amount of {$1400.00} to XXXX XXXX. They cashed this check on XX/XX/XXXX which was deducted from my checking account. I have a copy of the check from the bank that shows XXXX cashed it as well as my bank statement that shows the withdrawal. XXXX reported to the credit agencies, XXXX and Equifax that my mortgage was past 30 days late. I contacted XXXX to get this resolved and have not received a resolution. I filed a dispute with Equifax and XXXX and provided proof from my bank and my bank statement that shows the check was cashed 6 days later. 

On XX/XX/XXXX Equifax finalize their dispute which indicated that XXXX verified that the information they submitted was correct. I don't believe that Equifax reviewed the documents I mailed in regarding my dispute if so how in good faith could they have accepted the verification from XXXX XXXX. XXXX XXXX clearly falsified this information which has now impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Netspend Corporation
State: FL

Complaint narrative:
Netspend I got a netspend reloadable debit card for XXXX. During registration, I was forced to give them my social security to have access to my money. I was very apprehensive about giving them my private information. When I initially given the card as a gift, no where did it say I would have to give them my social security number. But I did it anyway because it's a lot of money. Two days after the registration, I receive a a replacement card with my name on it. My first name is completely misspelled. I can't get a hold on any human and the auto system doesn't fix my problem. So now I'm stuck with a card I can't use because my name is wrong on it and I can talk to anyone to fix it and they have my social security number.

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 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In XX/XX/XXXXI was informed by XXXX XXXX XXXX XXXX I was involved in a large data breach where my account and personal information were compromised. In XX/XX/XXXX I reviewed my credit report I noticed several fraudulent accounts I believe to be from this breach. I would like the incorrect documented information on my credit report removed immediately.Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: NC

Complaint narrative:
In XX/XX/XXXX I was informed by XXXX XXXX XXXX XXXX I was involved in a large data breach where my account and personal information were compromised. In XX/XX/XXXX I reviewed my credit report I noticed several fraudulent accounts I believe to be from this breach. I would like the incorrect documented information on my credit report removed immediately.Thank You.

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 2019-01-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
Specialized Loan Servicing LLC has forwarded a 1098 Mortgage Interest Statement without providing proof of chain of custody. 

SLS on the attachment is misrepresenting this unmerited debt by stating that my balance is {$13000.00}. I am confused about these statements from SLS stating I owe them because they are my creditor per the documents attached. I never executed documents with SLS. 

Most importantly SLS refuses to furnish documents of ownership thru chain of custody. 

I can not and will not include these documents and number on my tax returns. I DO NOT OWE THIS DEBT STATED AND SLS AND AFFILIATES DO NOT OWN THIS DEBT. 

SLS and affiliations has placed a lien on my property without any standing to do so.

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 2019-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My name is XXXX XXXX and I am being prohibited from disputing duplicate charges on my Paypal account. I have called in to the dispute department and Paypal consistently remarks that they are unable to verify my account after freezing my account for 24 hours and unfreezing it after I was asked to provide my passport, my social security card, and proof of my utility bill with my US address on it. I completed all these steps and have not since been able to dispute the duplicate charges on my account. Everytime I call in I am told I cant be verified after giving Paypal all my private documents. 

This is extremely frustrating as I have given Paypal extremely confidential information pertaining to my identity and the dispute department continue to treat me in a discriminatory manner and prohibiting my rights which I am entitled to under your terms of use policy which is the right to call in and dispute charges that I deemed are inaccurate. 

I need help with getting whatever block on my account removed in the dispute department so I can talk to someone about handling these matters as I have already reached out to the merchant to no avail. Paypal can not continue to tell me my account can not be verified when I call in to the dispute department when they have hold of all my confidential personal documents on file and I have the email to prove such submission and for goodness sake its these very same documents they used to unfreeze my account which is making no sense. 

I need a phone call from Paypal at XXXX as soon as possible to get this matter resolved. 

PAYPAL CAN NOT KEEP DISCRIMINATING AGAINST MY ACCOUNT JUST BECAUSE IM TRAVELING I INFORMED PAYPAL BEFORE I STARTED TRAVELLING ABOUT MY TRAVELS AND THEY CAN NOT KEEP DISCRIMINATING AGINST ME BECAUSE I WILL NOT ADOPT YOUR ACCOUNT CRITERION WHICH I HAVE THE RIGHT TO CHOOSE OTHERWISE. 

I HAVE THE RIGHT TO DISPUTE ANY TRANSACTION ON MY ACCOUNT AND PAYPAL DISPUTE DEPARTMENT IS NOT MAKING THIS POSSIBLE FOR ME TO DO AND PROHIBITING MY RIGHTS TO DO SUCH BY PRETENDING THEY CAN NOT VERIFY MY ACCOUNT THAT I HAVE SUBMITTED ALL MY CONFIDENTIALS TO AND PAYPAL NOW HAVE ON FILE. 

THIS MAKES MY 9TH EMAIL TO PAYPAL I HAVE WENT ALL THE WAY UP THE CHAIN REGARDING THIS MATTER AND I DO NOT PLAN TO STOP UNTIL THINGS ARE FAIRLY AND RIGHTLY DONE. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My account was charged off due to a financial hardship from health reasons. I am writing to get the account back open with XXXX XXXX so I can pay the monthly payments of XXXX a month until the card is paid in full. I have received the notice stating that my loan application has been denied due to bad credit history. Would it be possible for you to check again and reconsider and reopen my XXXX XXXX credit card so I can start back making payments. Thank you very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: Carvana Group, LLC
State: TX

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX credit report reveals that a fraudulent application was submitted to Carvana with his information that resulted in an inquiry XX/XX/XXXX that he did not authorize. A formal dispute of this inquiry was submitted to Carvana XX/XX/XXXX however as of this date, Carvana has failed to reply to the status of this dispute. This is a violation of the FCRA and my clients federal consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
This company has called repeatedly and I have on recording me asking them to stop calling, mail everything and put me on their do not call list. They still call. The last woman I spoke to said " you're going to keep receiving calls '' after I blatantly asked her to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
I HAVE CALLED ON THIS SUPPOSEDLY OWED DEBT I NEVER RECEIVED THE LOAN OR DID I GET A LETTER. I WAS GETTING THREATENING CALLS FOR THE DEBT AND WHEN I WOULD QUESTION PER MY RIGHTS I WOULD GET YELLED AT OR HUNG UP ON SEVERAL TIMES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I don't have an employer and I've asked the XXXX, Experian credit reporting company to leave that space blank and they have ignored me. 

The employer status has been reported for over 10 years to date by XXXX, Experian. XXXX finally removed the employer status and post office box from my report this week. 

I requested for my telephone number to be removed from my credit file reported by Experian and any other credit reporting companies that are reporting in my name. 

Experian is reporting a post office box for my address which the mail is undeliverable and belongs to someone else. 

I've asked them not report any variations of my name only report my first and last name. 

Also, I requested to not report my social security number and birth date on my report they ignored that too. 

I requested my free credit score from them but I was told I had to pay for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX someone transferred our savings into our checking and made and UNAUTHORIZED charge at a XXXX in another state. Bank of America filed a claim and it took 10 days to process. We received notification on XX/XX/XXXX that they denied our claim and were not refunding our money. We have called today XX/XX/XXXX to appeal and they said it can take up to 60 days. This is unacceptable and we believe they need to refund us immediately. What can we do?

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 2019-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX {$4500.00} purchase. Sears Home Improvement salesperson stated that new account was approved with 18-month finance free promotion.

I have been making monthly payments of {$260.00} to ensure that the total balance is paid off prior to the 18-month promotion expiration.

XX/XX/XXXX {$39.00} interest was charged to the account for the first time.

I have emailed and spoken by phone to approximately 10 different individuals who have not been able to assist with this matter. Either the account was established incorrectly, or the salesperson engaged in deceptive credit practices.

I have requested that the account be closed immediately, and I will pay the balance in full ( less the {$39.00} interest assessed in error ).

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 2019-01-30 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I had my check that was mailed to my utility company stolen out of a US mail box in XXXX XXXX, NY back in XX/XX/2018 and the check was fraudulently altered by someone and was deposited in that persons account into a XXXX  XXXX XXXX. I found out about this incident a month later and immediately notified my bank Citi Bank and they filled a report with there fraud department and they told me that they will investigate and credit me the amount that was taken within 90 days. It is now over 120 days and I have been calling them on a weekly basis and they are not giving me my credit because they are claiming that they are still waiting on XXXX  XXXX XXXX to respond to them, and until they don't respond they can not give me any kind of credit not even a provisional credit. I would like to get this credit from my bank Citi Bank. A copy of the cashed check is attached here for your review. 
My case number with Citi bank is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 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 — Problem with personal statement of dispute
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
One XX/XX/XXXX I made my XX/XX/XXXX mortgage payment in the amount of {$1400.00} to MandT bank. They cashed this check on XX/XX/XXXX which was deducted from my checking account. I have a copy of the check from the bank that shows MandT cashed it as well as my bank statement that shows the withdrawal. MandT reported to the credit agencies, XXXX and XXXX  that my mortgage was past 30 days late. I contacted MandT to get this resolved and have not received a resolution. I filed a dispute with XXXX  and XXXX  and provided proof from my bank and my bank statement that shows the check was cashed 6 days later. 

On XX/XX/XXXX XXXX  finalize their dispute which indicated that MandT   verified that the information they submitted was correct. I don't believe that XXXX reviewed the documents I mailed in regarding my dispute if so how in good faith could they have accepted the verification from MandT bank. MandT bank clearly falsified this information which has now impacted my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: MD

Complaint narrative:
The car company repossessed the car and sent a tow truck to reposes the car and when I tried to get my groceries at the back the car, the tow truck guy drove me hanging on the door to get my groceries and I fell down and XXXX XXXX  XXXX on the ground hurting my XXXX  as well.

Now I had to pay for my hospital bill and they did not want to reimburse me but decided to come and reposes my car. I asked to give me some time but they refused.

My hospital bill is {$2500.00} at the emergency room.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently my identity was used to obtain fraudulent account and credit cards. A large amount of my information was exposed in recent data breaches. This resulted in fraudulent account listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX -I disputed this account and nothing was sent to me to legally verify this account. 

this account is being reported in violation. I have sent several dispute letters stating each error and it is still being reported on my credit report. 

1st violation : They are reporting a Balance of {$1000.00} on a charged off account 2nd violation : they are reporting a Past Due of {$1000.00} on a charged off account 3rd violation : Each credit bureau is reporting 3 different dates of last activity. TransUnion reports XX/XX/XXXX. XXXX   reports XX/XX/XXXX. XXXX Reports XX/XX/XXXX. How is it possible to report inaccuracies and still say that its verified or updated. I checked my credit report after each bureau has stated that this account has been verified or updated.

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