vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Dear Madam/Sir, CFPB : On or About XX/XX/2020. I received a letter from a collection agency. On XX/XX/2020. I answer the debt collection company, And I let them know that as per State and Federal Laws. I need it the fallowing information. 1 ) Original Application with the original signature on it. 2 ) ALL, the Statements, bills, receives, in regards to the unknown credit card. 3 ) Collection agency NEVER send me the requested documentation, they only send me a black and white statement that looks fake and any one can printed from any system. 4 ) I ask the collection Agency to send me ALL the receives, and signatures of any purchases done on the unknown credit card. At Last I ask them to please not to contact me any more and to STOP, sending me the same letter and the same notification. The credit card its not mine and does not belongs to me either. Thank you. Respectfully yours : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: LA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: 2288984 Ontario Inc.
State: DE

Complaint narrative:
Called from XXXX refused to give a correspondence mailing address threatened to take me to jail and prosecute me accused me of fraud also called my family members

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
I applied for a Barclays Credit Card from XXXX to purchase an XXXX last XXXX the total cost was XXXX dollars. I was given a credit limit of XXXX dollars. At that time, I was a member of a XXXX XXXX XXXX XXXX, also a XXXX  for the XXXX XXXX  of a pro sports team in XXXX  XXXX. On XX/XX/XXXX, the XXXX was terminated. My income was severely damaged at that time. I had been divorced for a few months and was trying to restart my life from ground zero. I had an apartment which was XXXX a month and my income went from XXXX a month to XXXX  a month. I called Barclays in XXXX and explained the situation. I explained that I needed a month to resort my finances and that I would resume payment in XXXX. Then, Covid-19 took my job as a XXXX  for the XXXX XXXX  of the sports team ( XXXX XXXX. I again, called Barclays and said, I have been furloughed and was making around XXXX a month. I couldn't renew my lease, so i moved in with a friend and gave them the address. I touched base with them in XXXX and explained that my income was affected by Covid. They explained to me that they have a Covid program and that I was on and not to worry. In XXXX, my account was closed without notice. They said they sent a certified letter. I never received it. However, I couldn't make payments, due to my furlough status. In XXXX, I was rehired back and began making payments. I argued throughout the months that I didn't deserve this treatment because of Covid. It was flat out unjust. In XXXX, my online account was suspended. I called to find out why and they said it was due to the account being closed. I argued because i was unable to make that payment. I explained that I had I tried calling several times about my online account to no answer. As i discussed my situation again, I became angry. My credit score is a disaster because of them. I have two other cards who didn't close my account that knew the situation. Hmmmm, Now, I'm XXXX grand in the hole because i was divorced and let go from one job and was furloughed during Covid 19. The lady at Barclays said it was the credit Bureau policy to close an account after 90 days of inactivity. I called her out and they said there was nothing they could do. I still do not have access to my online account and now, I can't barrow a dime from anyone to pay the account and try to repair my credit. It was completely out of my hands and i explained that several times. They didn't care. I doubt this even goes anywhere, but its worth a shot right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I started a conventional refinance in XXXX of 2020 with Loan Depot The companies ratings are fair at best, but seemed to be good with customers with good credit score wanting a conventional refinance We talked to the loan representative and gave them all data required to process loan. 
Then we downloaded all documents requested immediately. By the end of XXXX rep is telling us all is a go and the loan is in underwriting. Should be processed in a couple days and then ready to close by beginning of XXXX Come mid XXXX it's held up because of trust. From then on the company kept giving excuses and each department couldn't give any information. Now end of XXXX loan going well should close by end of month Loan rep says they re just looking for a notary to finish the closing. 
XX/XX/XXXX nothing. I then contacted 2 people in management. Their now telling me a processor screwed up and they have to send the loan back to the sales team. 
It's now cost me over XXXX dollars because we missed the XX/XX/XXXX refinance date

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CIT BANK, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am unable to access my funds via online banking. Both on a computer and my XX/XX/XXXXThe messages I get indicate I should adjust my browser to accept cookies. My browsers do accept cookies. I spend 40 minutes with an XXXX technician and gave him total control via internet of my ipad. The verified both XX/XX/XXXXand XX/XX/XXXX browsers are set to accept cookies. I then tried to access my online accounts with CIT using my husbands computer ( also accepts cookies ) and have the same problem. 

I have phoned the CIT bank 3x and they insist the problem is no on their end. I have also emailed the CIT bank and have had no response. 

I have consistently tried to access my online accounts since Saturday, XXXX XX/XX/12. 

The bank is not trying to resolve the issue and I can not access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: SC

Complaint narrative:
XXXX XXXX home had a month to month contract through the Business We contacted the Representative for the company to provide a new quote. His quote was with another company not XXXX and was to high. He told us not to use XXXX XXXX. We got several Quotes. We notified the XXXX  XXXX representative and we called XXXX XXXX Directly. We sent in a notice of cancellation. We called and asked the final amount due. We paid in full the final amount due, wrote this on our payment payment in full. 
XXXX XXXX has now sent out a personal debt collector on me in a fraudulent amount of {$1300.00}. They have also sent this to collections in my personal name and I did not personally or individually sign up for services through XXXX XXXX. 
They have called my cell and repeatedly harass me. They have created a huge debt which is fraudulent and factually incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I leased a XXXX XXXX XXXX from XXXX  XXXX through MBFS and prepaid my entire lease. My lease began on XX/XX/2019 for a duration of 36 months. I was supposed to receive my security deposit of {$6000.00} after one year or when I return the vehicle. As of todays date, I have no received my deposit. MBFS must return my deposit to me or take possession of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I used my American Express card on XX/XX/20 to pay a plumber. On XX/XX/20, I received an email stating that my card had been cancelled by American Express. I contacted the phone number provided and a customer service agent in the " responsible lending '' area had told me that he could not reinstate it, that a manager could and that it " may or may not '' run a credit check to reinstate. I asked him " So some people can have it reinstated without a credit check? '' and he told me " Yes. '' I told him that I did not want a credit check for a card I already had ( I did not want an additional inquiry for no reason ) and that I wanted to speak to a manager. He told me that he could not transfer me to a manager, that one would have to call me back. No manager has called me back. Today XX/XX/20, I logged on to view my American Express account online and it had a chat message stating that American Express had a message for me and the rep that connected through chat was of no assistance regarding my card and told me to call a 1-800 number to speak with someone about reinstating my card. I called and spoke with a rep who connected me to an agent in this same responsible lending/spending area and he told me he could not reinstate my card without running a credit check and that my card was cancelled due to inactivity. I told him I had just used my card 2 days prior and stated on that the American Express website specifically states " Will American Express cancel my Card due to inactivity? 
For your security, if we notice that your Card hasn't been used for a long period of time, we may close your account. Please be assured that we won't close your account without warning. We'll let you know if your Card is at risk of being deactivated and how you can keep your account open. '' ( https  : //www.americanexpress.com/us/customer-service/faq.card-inactivity-action.html ). I was never once contacted prior to them cancelling my card. I have never missed a payment with American Express, I have no missed payments on my credit report at all, they told me my score was a XXXX  through XXXX, and I am employed and make well more than enough to handle a card with a {$5000.00} limit. The manager had only told me that he would make a note of the website saying that and of American Express not notifying me prior to cancelling my card. This has caused my credit score to decrease due to the account closing and losing {$5000.00} in credit availability. I would like my account to be reinstated as it was or I would like compensate me for the damages to my credit report due to the unnecessary cancellation of my card. This is NOT how you treat customers who have been with you for 4 years and have never missed payments and have had their balances paid off!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14 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: CA

Complaint narrative:
On XXXX XXXX, 2020, PORTFOLIO RECOVERY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14 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: LEXISNEXIS
State: KS

Complaint narrative:
On XX/XX/20 I sent correspondence to LexisNexis stating that I was a victim of identity theft ( XXXXXXXX XXXX  ) The letter was sent certified mail return receipt with tracking # XXXX, and was in LexisNexis possession as of XX/XX/20 ( XXXX XXXX ). 
The letter explained to LexisNexis that I am a victim of identity theft, and that the inaccurate addresses listed in my consumer report should be blocked pursuant to section 605B of FCRA. 
This letter also contained the following enclosures : Proof of identity, A copy of my relevant sections of LexisNexis report with fraudulent items circled, FTC Identity Theft Reports, Police Reports, Identity Theft Affidavits, Fair Credit Reporting Act Section 605B, A copy of the law : FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), A copy of Businesses Must Provide Victims and Law Enforcement with Transaction Records Relating to Identity Theft, Notice to Furnishers This matter is NOT a dispute under the provisions of FCRA 611, and is a block under the provisions of FCRA 605B As required by FCRA 605B ( 15 U.S.C. 1681c-2 ) LexisNexis is required to block the reporting of any information in my consumer credit file that I have identified as resulting from identity theft, not later than four business days after receiving ( 1 ) appropriate proof of identity, ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Despite the FCRA 's requirement, LexisNexis has failed to block the reporting of fraudulent information and is relying instead on the same verification procedures it uses for common disputes. 
Again, my records indicate that LexisNexis was in receipt of this request on XX/XX/20. The 4-day deadline required by section 605B for blocking the fraudulent information has passed as of XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: GA

Complaint narrative:
several fraudulent accounts appear on my crepdit report from identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
IC Systems account # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from my account. 



This company sent me a letter informing me that I have two accounts that was placed with their company for collection. I informed this company that I have no knowledge on either account and I asked for copies of the contracts I signed. I was informed that they have nothing and its currently being reported that to the credit agencies which is damaging my credit and I was informed that it will remain their until I pay on two accounts I have no knowledge of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: FL

Complaint narrative:
In XX/XX/2020, an authorized deduction was taken from my Bank of America checking account in the amount of {$1400.00}. I filed a fraud claim with Bank of America and after their investigation, they determined this was a fraudulent transaction and they credited my account back the full {$1400.00}. I was advised to check my credit reports and after doing so, I found that Bank Of America was reporting my account as delinquent, closed and charged off. After doing some investigation I learned that I had been a victim of identity theft from the XXXX  data breach, in which all of my personal, financial and electronic data had been stolen. I also received letters from debt collectors for the Bank of America account. A dispute letter was sent to both the collection agency and Bank Of America advising them of my identity being stolen and that I had been a victim of identity theft/fraud and asked them to validate the information they were claiming and to provide me with proof that I was responsible for the charges. I never received any of the documentation I requested. I filed an FTC report, police report, ID affidavit, contacted the credit bureaus The freeze my report due to the identity theft and advise them that I was disputing the Bank of America account listed on my credit report. My other credit card accounts also had an authorized and fraudulent charges. One of my credit card companies investigated and determined that the charges were fraudulent and advised me that I was not liable for the amount from the fraudulent charges. Then in XX/XX/2020, I again had an unauthorized fraudulent deduction from my Bank of America card which again they investigated, found to be fraudulent and credited my account back the money. Bank of America is completely aware that my identity was stolen and that fraudulent charges were being made against my account, however they are doing nothing to correct my credit report, validate the charges or show my liability for the amount of the charges and now are in the process of suing me. I never received any type of correspondence from them advising me of charges to my account and I never received any bank statements because they had me on paperless. I have no reason to check my paperless statements as a believed my account was current and paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: MA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX  data breach and this may be the way my information got into the wrong hands

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Tried to log in to my account online, received a message : = [ We locked your account to protect it from suspicious activity. To unlock it, call XXXX. ] = called the number XXXX, 3 times on XX/XX/2020, twice a silent answer after a long wait, then hang up on me, the third someone answered with noise in the background and a dog noise then hangup again very unprofessional, rude and disrespectful.

Company response to consumer: Closed with explanation