vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-20 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: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX PORTFOLIO RC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20 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: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2020 at approximately XXXX XXXX I received a notification from my chime account stating XXXX was removed from my account at an out of network ATM. At this time I was at home and my card was in my wallet. I immediately called Chime customer service to inform them them that I didnt not make that transaction, I was told I had to wait until the transaction was no longer pending to file a dispute. I asked the agent why wasnt this transaction flagged due to the fact that It was unusual activity, I rarely remove money via an ATM and especially not that large amount and was under the impression there was a {$500.00} daily ATM limit. Agent could not provide me with an explanation as to why my funds were not protected.I asked the agent where was the ATM located that was used so I can file a police report. I then called XXXX   police department to file a report. On XX/XX/2020 the transaction finally posted and I was able to file a dispute. I provided Chime with the case number the detective gave me and a written statement of the events that occurred that day. I also informed chime that my card was definitely on me and I have not shared my pin with anyone. Because I am a single parent I called Chime asking when will I receive my funds back I have to care for my children. I was told I would be receiving a provisional credit on XX/XX/2020. It was extremely hard for me to wait because that was all that I had due to the pandemic so I called XXXX to file a complaint about the wait time and was unable to be assisted.On XX/XX/2020 the day before Chime was suppose to give me my credit I received an email stating my claim was denied and no error occurred on my account. I immediately responded stating that is completely false and why did I file a police report if no error occurred. Its been weeks since this even occurred and I am in desperate need of my money back and dont know what to do. Im so afraid because now I think that the people that stole my Money are Chime agents and thats why they falsely denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX. Capitol one account account was recognized as open I dont have a credit card at all told them I would pay the balance off if they showed as closed in a retaliation they sent in as a charge off dropped my credit score 40 points after I agreed to pay it as soon as it was shown as closed. Now I cant get a loan for my XXXX which is imperative to have to live. Capitol one gave someone a credit card in my name years ago and I took them to court guess they are getting me back for something they did to begin with. I told them I would be glad glad to pay the XXXX they said I owed them for a card I dont own just to save my credit. But they turned in as a charge off not fair I had already cut them a check waiting on the proof of a closed account. And when XXXX  posted results capitol one gave me a charge off. I need this resolved so I can get my XXXX I dont have insurance so I have to pay cash and now there is no way to get a loan with a charge off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Berlin-Wheeler, Inc. (Kansas)
State: AR

Complaint narrative:
COLLECTOR KEEPS CALLING MY MOM AND DADS CELL ( XXXX ) XXXX AND XXXX 13 TIMES AND WERE TOLD TO CAES CALLINGS MONTHS AGO SO WE TOOK SCREEEN SHOTS And are now suing you in XXXX district court for {$5000.00}

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 2020-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
First Citizens Bank advertised a promotional offer of {$300.00} cash bonus for opening a Free Checking Bundle. I opened the account through the promotion on XX/XX/2020 and met all the requirements ( minimum balances in checking and saving accounts, 10+ debit transactions ) by XX/XX/2020. It's been six months and the bank has not provided the {$300.00}, which was promised within 90 days of account opening. I've contacted the bank but got bounced around and never received a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start rings from the date of the first delinquency. 
A recent careful review of my credit report reviewed my credit report revealed this has not been done. There is old item on my report that I demand you remove at once in order to comply with the FCC. 

US BKPT CT FL XXXX XXXX Bankruptcy chapter XXXX-discharged Original filing date : XX/XX/2011 Latest status date : XXXX XXXX, 2011 Account Info Reference Number XXXX Court US BKPT CT FL 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 2020-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: SC

Complaint narrative:
In early XXXX, I received an advertisement from NEW Day USA to lower my mortgage payments by refinancing my existing VA loan. 
By XXXX XXXX, I had submitted all of my personal information, ( W2 's, Mortgage statement, social security numbers, etc.. ) to NEW DAY representative XXXX XXXX XXXX For the next 10 days I heard nothing from NEW DAY or XXXX. I called him several times, left VM 's and e-mailed him at least 7 times. No response. 
Then on XXXX XXXX, I received a letter from NEW Day stating my application was incomplete and I needed to submit W2 's, Mortgage Statements, social security numbers, etc ) I have since spoken to several people from NEW Day and have requested all of my personal information back from them. My concern is XXXX XXXX and NEW Day will use my information for illegal purposes. I have proof I sent it to him. Now they claim they do not have it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am being charged excessive overdraft fees/ insufficient funds fee. We are in a Pandemic, and managing finances can be challenging. From XX/XX/XXXX to XX/XX/XXXX the bank charged me XXXX dollars all are insufficient funds fee at XXXX dollars per item. Just because my funds arrive a day later from when the bill hits my account. 
I called the bank on XX/XX/XXXX I went into a branch XX/XX/2020 I called XX/XX/XXXX The representatives told me I was only allowed 3 reversals of fees 3 times a year and I did not qualify until XX/XX/2020 This is a Pandemic and banks should halt all fees, this is so disgusting. I called the bank on XX/XX/XXXX because they had returned an item ( Bill ) which totaled in XXXX but they had taken out XXXX in fees. If they had not taken out fees I would of had enough to pay that bill. The bank agreed to give me back XXXX dollars and told me they couldnt do anything about the other XXXX dollars, because its past 30 days???? I asked what about all the times I called during Covid, and they told me that because I was asking for a fee reversal, thats why I didnt get them, they told me I had to say its due to Covid, and because I didnt mention the word Covid 19, thats why they did not refund any fees. 
I asked them why was I not notified about there Covid policy???? There response was that they dont notify anyone and that we are just supposed to know? I am a single parent getting through a pandemic, and I need my XXXX dollars back and no more fees for the remainder of 2020 at least.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inquiries not authorized.

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 2020-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX IN RESPONSE TO CFPB : XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subs
ection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter to Equifax via Certified Mail # XXXX XXXX XXXX XXXX XXXX which was received by Equifax. In that letter I requested that the following addresses and business information be deleted from my file because this information is inaccurate, outdated and most of which does not belong to me ... and again should be deleted/removed from my profile to show accurate reporting in my profile Pursuant to the Fair Credit Reporting Act 609. They have not removed this information as of yet.

Address Information to be deleted are listed below : XXXX. XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX Employment Information to be deleted is listed below : 1. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
XX/XX/XXXX CREDIT ACCEPTANCE CORP XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX : CREDIT ACCEPTANCE # XXXX Dear CREDIT ACCEPTANCE CORP, I am writing in regard to the above referenced accounts and transactions. 
This vehicle was repossessed by CREDIT ACCEPTANCE CORP in the State of Ohio on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. 
Under the laws of the State of Ohio UCC 9-611, ( Sections R.C. 1309.611, 1309.612, 1309.614, 1309.601, 1309.709 ), and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. In addition, to proof providing I was notified of Date, Time and location of sell. As I did not have the opportunity to recover. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.

A copy of this will be sent to the Attorney General office, Credit Agencies and added to the Consumer Financial Protection Bureau complaint data base. So, there is record requesting this information. If requested documents are not provided, I request you to Delete this account from my credit report, or I will seek damages as within my rights. 
This will be mailed certified with US Post Office with tracking number for purpose of date of delivery and used for damages, if required. 

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 2020-09-20 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: PA

Complaint narrative:
The company XXXX XXXX has extended/opened a line of credit to someone fraudulently opened an account under my social security. This company XXXX XXXX has extended credit to someone listed as me XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have never lived or have ever been associated with that address. I constantly send disputes directly with this company and the 3 credit reporting agencies. Each time I dispute this account, the company XXXX XXXX never sends me the documents I requested which are PROOF OF CONTRACT BEARING MY SIGNATURE, AND ANY DOCUMENTS SUBSTANTIATING THE ALLEGED ACCOUNT. This account was open under the address XXXX XXXX XXXX XXXX XXXX, PA XXXX I have never lived there. Each time I dispute this account with the TransUnion, XXXX, and XXXX  they tell me in writing that they've contacted the company " XXXX XXXX '' and the account is verified and accurate because XXXX XXXX says it is '' All 3 companies are violating of 15 U.S. Code 1681b. Altogether these 3 companies and XXXX XXXX has ignored my request to provide me with the proper documents that they supposedly have stored in their files that were used to Verify the accounts. I am certain that they have NOT verified, and CAN NOT verify this account, and according to Section 611 ( 5 ) ( A ) of the FCRA- You are required to promptly delete all information which can not be verified.

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 2020-09-20 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: PA

Complaint narrative:
The company XXXX XXXX has extended/opened a line of credit to someone fraudulently opened an account under my social security. This company XXXX XXXX has extended credit to someone listed as me XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have never lived or have ever been associated with that address. I constantly send disputes directly with this company and the 3 credit reporting agencies. Each time I dispute this account, the company XXXX XXXX never sends me the documents I requested which are PROOF OF CONTRACT BEARING MY SIGNATURE, AND ANY DOCUMENTS SUBSTANTIATING THE ALLEGED ACCOUNT. This account was open under the address XXXX XXXX XXXX XXXX XXXX, PA XXXX I have never lived there. Each time I dispute this account with the XXXX, Equifax, and XXXX they tell me in writing that they've contacted the company " XXXX XXXX '' and the account is verified and accurate because XXXX XXXX says it is '' All 3 companies are violating of 15 U.S. Code 1681b. Altogether these 3 companies and XXXX XXXX has ignored my request to provide me with the proper documents that they supposedly have stored in their files that were used to Verify the accounts. I am certain that they have NOT verified, and CAN NOT verify this account, and according to Section 611 ( 5 ) ( A ) of the FCRA- You are required to promptly delete all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: PA

Complaint narrative:
The company XXXX XXXX has extended/opened a line of credit to someone fraudulently opened an account under my social security. This company XXXX XXXX has extended credit to someone listed as me XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have never lived or have ever been associated with that address. I constantly send disputes directly with this company and the 3 credit reporting agencies. Each time I dispute this account, the company XXXX XXXX never sends me the documents I requested which are PROOF OF CONTRACT BEARING MY SIGNATURE, AND ANY DOCUMENTS SUBSTANTIATING THE ALLEGED ACCOUNT. This account was open under the address XXXX XXXX XXXX XXXX XXXX, PA XXXX I have never lived there. Each time I dispute this account with the XXXX, XXXX, and Experian they tell me in writing that they've contacted the company " XXXX XXXX  '' and the account is verified and accurate because XXXX XXXX says it is '' All 3 companies are violating of 15 U.S. Code 1681b. Altogether these 3 companies and XXXX XXXX has ignored my request to provide me with the proper documents that they supposedly have stored in their files that were used to Verify the accounts. I am certain that they have NOT verified, and CAN NOT verify this account, and according to Section 611 ( 5 ) ( A ) of the FCRA- You are required to promptly delete all information which can not be verified.

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