vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On the month of XX/XX/2020 I CONTACTED PORTFOLIO RECOVERY ASSOCIATES. To dispute a validation about purchased debt from the original creditor XXXX XXXX, in the amount of {$370.00} A DEBT THAT I DO NOT OWN* I tried talking to multiple agents at Portfolio Recovery Associates to removed the False inaccurate account from my consumer report. As a result we were not able to come to agreement to removed this false and inaccurate information from my consumer report I feel my rights have been violated as a consumer and have been taken advantage By XXXX XXXX  and Portfolio Recovery Associates. Section FCRA 611 ( a ) as it states failure to investigate items within 30 days gives reason for deletion immediately. It has been well over 60 days and this account is still reporting to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Firstly, I was never informed that I owed them. Never received a call nor letter from them. Received alerts from XXXX  and XXXX. Found out that Resurgent Capital Services had placed a negative item on my credit report. I sent them three certified letters, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking for validation of the debt. To date, they have failed to provide that but opted to send me a debt verification 6 weeks after my initial contact on XX/XX/XXXX, which is clearly not what I requested. I specifically requested the following : 1 ) a detailed statement reflecting all credits/debits and fees associated with the amount owed, starting from the first day the account was opened to the last day it was closed, showing all transactions and how they arrived at the amount owed, 2 ) I requested a signed copy of the Card Holder Agreement indicating amounts of all fees associated with the account, 3 ) I requested that Resurgent Capital Services provide proof that they have the authority to operate as a debt collector in the state of Pennsylvania. Non of the above requests have been provided as of XX/XX/XXXX and yet they choose to maintain the negative item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: IA

Complaint narrative:
On XX/XX/2020 I sent a dispute to Equifax about two medical collection accounts : 1-XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX I informed Equifax that this collection agency was in violation of the HIPPA Law by reporting medical information on my credit report. 

I sent the same information to the two other credit reporting agencies : XXXX  and XXXX and they replied that they had deleted those medical accounts form my credit report. 

Equifax, does not even bother to respond. It has been more than 45 days and uo to this day, they have not replied to my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Wage Garnishment of my income, for a credit card I have no knowledge of for this debt. 
XXXX XXXX Credit card opened inXX/XX/XXXXand the company states that the judgment is from XXXX. The company has summonsed me for a service judgment from the court for wage garnishments. The judgment amount total balance due is {$4600.00}. All of my old accounts with XXXX XXXX has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Shop Your Way Mastercard with Citi that I got through Sears a few years ago. I was a couple of days late with the payment last month. I started getting calls from Citi everyday all day long. The last time they called was on XX/XX/2021. A rep called saying she was from citi and said I had a past due amount over {$300.00} and needed to pay it immediately. I told her she was wrong and she continued to argue with me. I informed her I had been on a Forebearance previous to her calling and I had made the XXXX payment. After several minutes she acknowledged I was correct. When I told her to check her system she then admitted that I was not overdue {$300.00} dollars and I was only a couple days late with the XXXX payment. She then said she was saying I owed more because she was including XXXX 's payment which wasn't even due yet. I asked her if she could do something about the interest rate being so high and she told me I had to make a payment before I could even talk to someone about that. I then emailed Citi on XX/XX/XXXX, letting them know that they had violated the FDCPA by calling me so much, on Sundays, and so forth. I also asked bout the interest rate again. I received an email back saying they had updated my privacy policies and they do not respond to online requests for rate adjustments. They then sent me a letter saying they weren't going to call me anymore about the debt however, then they started sending letters shortly after. Citi has violated FDCRA sections 805 ( 1 ), 806 ( 5 ), 807 ( A ), and 808 ( 8 ). I have been in contact with citi prior to these incidents and have notified them both verbally and in writing to not contact me outside of normal hours/times/days for debt collection. I have had to go on forbearance with them 2 already due to covid and unemployment issues. Citi has repeatedly violated FDCPA and blatantly refused to address any of these or interest rate issues.

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 2021-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Data, Inc.
State: TX

Complaint narrative:
This was a medical debt that was incorrect and excessive. As a measure of good faith, I paid the amount owed directly to the creditor. Although paid, directly to the hospital, a collection agency is still attempting to collect.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2021 I notice several rebillied from Capitol one after contacting the merchant they refuse to resolve the issues

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I refinanced my mortgage with XXXX XXXX XXXX XXXX  back in XXXX. The servicer of my loan is LoanCare. I just received a letter from the property assessor that LoanCare has not used my escrow money to pay my property tax, and the property tax is delinquent. I have tried for over 4 hours today to reach someone on the phone from LoanCare and all I get is the automated run around with no option for human contact. 

I'm now forced to simply pay the property assessor myself as LoanCare has completely failed to do so. Judging by LoanCare 's reputation online this is an unfortunately common occurrence. This seems to be their practice to hoard escrow payments, and then refuse to answer any messages. 

LoanCare through the myriad complaints I've read is a borderline scam, and potentially just horribly mismanaged. I don't know why the CFPB hasn't shut them down yet.

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 2021-02-12 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Hyundai Capital America and XXXX Card. The Account Opened is Hyundai Capital America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00}. The Account Opened is Hyundai Capital America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is XXXX  Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card, XXXX XXXX  XXXX, and XXXX XXXX XXXX. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$5000.00}. The Account Opened is XXXX/XXXX  XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$6100.00}. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$1400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tesla, Inc.
State: CA

Complaint narrative:
I purchased a house with a solar power purchase agreement with Solar City, ( now Tesla Energy ) lien on the title and assumed the remainder of the lease term. The contract stated that starting 5 years after the beginning of the agreement, there would be an option to buyout the system at fair market value. 

At the 5 year mark, I requested a buyout estimate and received one for {$21000.00}, which is more than the cost to install a new system. 

When I asked them to justify this they said it was a combination of the fair market value of the a cost approach and a discounted cash flow model from my payments to them. 

A discounted cash flow valuation of my payments is not the fair market value of the solar system and I believe it is grossly overstated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: BANK OF THE WEST
State: UT

Complaint narrative:
This complaint is in response to the Bank of The West account. They stated that I made a payment last year. I have not made a payment for YEARS. I need proof that this payment was made by me. Also this account has been on my credit for 13 years. I have made several attempts to resolve this debt in that time but never can really come to an agreement with y'all. I paid the debt 3 times now and you have repossessed the RV, you have made a lot of money off of my deal with you and although i did default you got your money 's worth and continue to ruin my credit. Again I have not made a payment to you in a really long time. This debt is super old and i do not owe you this debt. I did not make payment last year, i refuse to make any payments and i have for a while now since you're very difficult to work with. I need an itemization of the payments i have made including account numbers so that i can match those to my records. Regardless I need this debt removed from my credit file. It has been there for 13 years and if i need to contact he attorney general and file more complaints i will. You are erroneously reporting and adding payments to my account to restart the statute of limitations and i will not let you continue to hurt my scores.

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 2021-02-12 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX, Nordstrom/TD Bank USA, and TD Bank USA/Targetcred. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$5000.00}. The Account Opened is Nordstrom/TD Bank USA Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$6100.00}. The Account Opened is TD Bank USA/Targetcred Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$1400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card, Nordstrom/TD Bank USA, and TD Bank USA/Targetcred. The Account Opened is XXXX Card Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$5000.00}. The Account Opened is Nordstrom/TD Bank USA Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$6100.00}. The Account Opened is TD Bank USA/Targetcred Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$1400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 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: R & B Corporation of Virginia
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Credit Control Corp, XXXX XXXX  XXXX, and XXXX XXXX. The Account Opened is Credit Control Corp Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00}. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TN

Complaint narrative:
On XX/XX/20 Miss XXXX from rent recovery solutions told me and my boyfriend that we owe them money for an apartment we moved out of. 
I was the secondary on the account and my boyfriend was the primary person on the account. 
We asked for verifications of the debts owed and they never provided us any of that information. 
My boyfriend disputed this and it was removed from his account. It has not been removed from my account and now they are calling me saying I owe the debts that we never verified in a respectful time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I received a call today ( XX/XX/XXXX ) from XXXX asking to verify a loan application that I did not make. Based on this call, I pulled my credit report and found two hard credit pulls that I did not authorize : 1. " TD BANK USA/TARGET CREDIT '' ( XXXX XXXX XXXX XXXX, MAIL STOP XXXX XXXX XXXX, MN XXXX ) on XX/XX/XXXX. I called TD 's Target credit card phone number ( XXXX ) to inquire why a hard pull was made on my report. I gave them the information they requested, including my SSN, and they could not find a record of an application under my SSN, nor could they tell me why they made the unauthorized hard credit report pull. ( see page XXXX of " XXXX '' ) 2. " XXXX XXXX, XXXX XXXX '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. I called three different numbers for XXXX and the XXXX XXXX credit card line, and all of them required me to enter my account number or SSN. Because I have no account number, I entered by SSN, and because I have no account with XXXX XXXX XXXX XXXX, their records found nothing. I tried entering XXXX to reach a human being, swearing, etc. and was unable to connect with a human being. I called XXXX directly, and they transferred me to the same automated line requiring an account number. ( see page XXXX of " XXXX XXXX '' )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: ERC
State: FL

Complaint narrative:
An XXXX amount showed up in XXXX XXXX alert from XXXX XXXX 
Two days ago. I had not had direct tv for years. I am trying to close on a house so been monitoring closely. 

So I called number to find out what this was. Apparently it was a bill -from years ago which they would not answer when this first occurred ( the credit repair company rep asked on a three way call. The company had my old address from where I lived ten years ago and I was never notified of this bill. 


I paid the amount and asked for it to be deleted. They would not. 

I am not contacting consumer finance to assist in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a call today ( XX/XX/XXXX ) from XXXX asking to verify a loan application that I did not make. Based on this call, I pulled my credit report and found two hard credit pulls that I did not authorize : 1. " XXXX XXXX XXXX/XXXX  XXXX '' ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX ) on XX/XX/XXXX. I called XXXX 's XXXX  credit card phone number ( XXXX ) to inquire why a hard pull was made on my report. I gave them the information they requested, including my SSN, and they could not find a record of an application under my SSN, nor could they tell me why they made the unauthorized hard credit report pull. ( see page 43 of " XXXX  '' ) 2. " CITIBANK NA., BEST BUY '' ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX , SDXXXX ) on XX/XX/XXXX. I called three different numbers for Citi and the Best Buy credit card line, and all of them required me to enter my account number or SSN. Because I have no account number, I entered by SSN, and because I have no account with Citi and/or Best Buy, their records found nothing. I tried entering 0 to reach a human being, swearing, etc. and was unable to connect with a human being. I called Citi directly, and they transferred me to the same automated line requiring an account number. ( see page 16 of " 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 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The problem occurred XX/XX/2021, and I sent a letter of complaint to Citibank 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 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On the month of XX/XX/2020 I CONTACTED XXXX XXXX XXXX To dispute a validation about purchased debt from the original creditor Comenity Bank, in the amount of {$370.00} A DEBT THAT I DO NOT OWN* I tried talking to multiple agents at XXXX XXXX XXXX XXXX removed the False inaccurate account from my consumer report. As a result we were not able to come to agreement to removed this false and inaccurate information from my consumer report I feel my rights have been violated as a consumer and have been taken advantage By Comenity Bank and XXXX XXXX XXXX. Section FCRA 611 ( a ) as it states failure to investigate items within 30 days gives reason for deletion immediately. It has been well over 60 days and this account is still reporting to my consumer report.

Company response to consumer: Closed with explanation