vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
TODAYS DATEXXXX XXXX  XXXX XXXX XXXX XXXX   XXXX In response to CFPB : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I  am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX  XXXX PORTFOLIO RECOV ASSOC XXXXor any company associate with this account PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXXand tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone  Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXXor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
Consumer adjustment company has never sent to me any correspondence ( written or phone calls ) regarding the alleged debt that showed up on my XXXX  credit report on XX/XX/2020. I sent a dispute to the credit bureau on that day online and mailed a certified letter to Consumer Adjustment company on the same date requesting validation of the debt and the right to collect for alleged debt. The letter was delivered and signed for on XX/XX/2020. The alleged debt was then added to my XXXX  credit report on XX/XX/2020. This company is in violation of the FDCPA the debt was not validated within 5 days of the initial contact which was the entry onto my XXXX  credit report, because there was no other communication emailed or mailed to me. There also has been no documentation to validate the debt since the receipt of the certified letter but continued collection efforts on part of Consumer Adjustment Company. After submitting this complaint my next step will to be to file a formal complaint with the Consumer Financial Protection Board.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: NY

Complaint narrative:
TODAYS DATEXXXX ENHANCED RECOVERY CO L XXXX In response to CFPB:XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection  Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ENHANCED RECOVERY CO L XXXX any company associate with this account # ENHANCED RECOVERY CO L XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your  organization will be reported to the Federal Trade Commission ENHANCED RECOVERY CO L XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: NAM National Arbitration and Mediation
State: MA

Complaint narrative:
First I was receiving automated messages with no file number. Then I started receiving calls from someone identifying herself " Miss XXXX '' keeps calling. She has called at least 20 times over the past few months. At first, the calls were coming from " XXXX XXXX '' XXXX. I answered a call about a month ago, told her I recognized this to be a scam and to stop calling me. The calls have continued. Then today she called and left a message from a " Private number ''. The message i received was as follows " Good morning mr **, ** sir, this is XXXX XXXX from global international calling to notify you mr ** that they are in the process of pulling files from us, your file is one of them please sir return my call today upon receipt of my message. your case is already prequalified for forgiveness **, mr ** my direct number in my office is XXXX please sir ask for XXXX.I 'll be able to assist you. mr ***, ** sir, when you call mr ** sir, please have your case number ready. have please reference your case number XXXX that's XXXX. XXXX mr **, ** sir, if i am unsuccessful to contact you, they are going to pull this case from me, they have the proper protocol to try serve you at your residence or even place of employment please mr ** return my phone call. my number is XXXX and please sir, ask for miss XXXX. thank you ''

Company response to consumer: Untimely response
Consumer complaint received 2020-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
I dont book through hotels directly so when I was told this morning after transferring XXXX into my bbva account # XXXX that XXXX place took XXXX I knew it was a lie. The bank stole XXXX from the transfer and then claimed it was stolen by XXXX place. 
I tried to file a fraud dispute and they hung up on me 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Universal Recovery Corporation
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
On XXXX I received a robocall from a debt collector to my cell phone that does not identify me but a message was left with my name and that they were trying to collect a debt I called the company and told them to stop using robocalls to collect as this was a violation of my rights. Today XXXX this same company called my wifes phone which also does not have any identifying information with a robocall saying they are a debt collector and revealing my name and they are trying to collect a debt which they have already been asked not to use a robocall and they revealed info to someone not involved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my Equifax report to see that I have suffered a 220 point decrease in score because the following accounts have been removed from my credit report due to missing addresses and incorrect information being listed on the account. 

MAJR FINANCIAL CORPORATION - Revolving Account XXXX/LOCAL GOVERNMENT - Revolving Account XXXX  - Revolving Account XXXX  - Installment Loan The following addresses are listed on my report but DO NOT have any personal linkage to my credit history and any of the missing accounts as listed above, these addresses should be removed promptly. 


XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX The ONLY two addresses that are tied to my hard work and diligence of on-time payment history and excellent reporting of positive credit behaviors which are indeed tied to the credit accounts listed above are : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This radical change is due to a recent discovery and result of report inaccuracies on my behalf which I have effectively disputed through the proper channels directly with each bureau for accuracy, but nothing has been done on my behalf to remedy this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After p

urchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2020-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
they close my account and no money back.it Bank of America

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 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC
State: VA

Complaint narrative:
I had opened my mortgage account with XXXX in XX/XX/2019, which was later transferred over to LoanCare in XXXX. During the transfer, my account number changed and I was not notified about this. While the XX/XX/2019 payment posted there was an issue with the XXXX payment. I only figured this out when I logged into my account online and it showed a past due payment. When I called to investigate I was told my payment never posted. I had to figure out myself that the account number had changed. So I resent the payment with the correct account number. 

I was assured that since this occurred during the transfer process, no late fees will be assessed and also that this 30 days past due payment issue will not be reported to the credit bureaus. Much to my chagrin, this exactly what happened and my credit score dropped by 94 points in XX/XX/2019 ( XXXX in XXXX to XXXX in XXXX XXXX. 

I raised a dispute over email, which took more than 2 months for them to look into. Their customer service number never reaches and agent so I wasn't able to discuss with any one in person. Not being able to ever reach and agent is a very frustrating experience. I finally received a response by mail that stated they have completed their investigation and find that their reporting was accurate. No explanation. I am unwilling to accept this. I disputed this again and this time there is no response after I waited for 2 more months. This staying on my report is hampering my ability to refinance my loan with another lender at more favorable terms. 

Lender : Loancare LLC ; XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
Loancare loan servicing has made it impossible to contact their customer service. When you call their customer service for loan servicing information you are given the automated response, " we are experiencing higher than normal call volumes, wait times may exceed 30 minutes, etc ... ''. If you try and wait for a representative, the service simply hangs up on you.

Additionally, because they have no account recovery options on their online portal, if you get locked out of your account you will have no ability to access your mortgage information.

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 2020-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
RE : Nissan Consumer Affairs ( LEMON LAW ) Case # XXXX VIN # XXXX On XX/XX/XXXX, I contacted Nissan Consumer Affairs because Engine Light came on four different times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) after being serviced by Nissan Dealership, on my new XXXX XXXX XXXX. I contacted Nissan Consumer Affairs and initiated a complaint of Lemon Law due to defects of the vehicle. I requested for Nissan to return the vehicle back into their possession. Nissan assigned my case to XXXX XXXX, Abritration Specialist 1, Dispute Resolution, Phone # XXXX, Fax # XXXX. 

XXXX XXXX, XXXX, the vehicle was taken back to Nissan for an inspection ordered by XXXX. However, XXXX failed to follow up on the next steps regarding this case. I called XXXX and left voice messages numerous of times and emails. There were several emails sent internally by Nissan Consumer Affairs asking her to contact me. On XX/XX/XXXX, I received an email from XXXX stating " I will call you tomorrow ''. I did not receive a call from her at all. On XX/XX/XXXX, I called and email XXXX regarding the status of this claim and she hasn't returned the call. 
XXXX stated due to inconvenience of the vehicle was being serviced by Nissan Dealership for more than one week and two other previous time that the vehicle was being serviced that I would be compensated. I am still waiting on the compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hello on XXXX of XXXX I opened a XXXXhase Checking & Savings account and was approved. I made a change on my wage to be directly deposited to Chase and also transferred $ XXXX of amount from my XXXX account to Chase. However on the XXXX I tried to access their mobile application and I got a note saying that I had suspicious activity on my account and hence needed to reach out Chase. I just learnt this by accident checking the app otherwise I have not noticed it. I gave them a call and they told me that my accounts were closed. I really do not understand how an account could be approved at the first place and you complete transactions and after 2-3 days later they are closing it. If the accounts were not going to be opened in the first place it should have stated that they need more time to review. I am getting approved and all of a sudden the accounts are closed without no call from the bank. I also sent $ XXXX from my other account to these accounts however I am not sure where this money also went to. I am not getting a clear answer from Chase ... this is really unacceptable customer service. I also have a credit card and a car loan balance with them. I have not missed a single payment in my life and my credit score is ~750. Now I am being flagged as doing a suspicious activity. I truly do not understand what I have done wrong. If having multiple credit cards are suspicious activity I think everybody is doing it. I have to now re speak with my payroll department to re initiate my wages to my old bank. Also I am not sure how I am going to be getting the $ XXXX back. If I needed the money urgently what would have happened. This is the first time I am experiencing something like this and I am in total shock.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation