vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
there is two accounts listed on my credit report.both are fraudulent. i disputed them from the private entities the reporting bureaus, that work with other private entities to attack credit numbers or scores.now lvnv resurgent is continually adding it to my report evan if the reporting agency has removed them as XXXX  has done. who removed these fraudulent actions of said debt.which im sure violates the f.d.c.p.a under a lot of the sections involved with fraud it seems as though this is racketeering from lvnv resurgent.on or about XXXX of 2022 had them removed from my report on XXXX  but the other two will not ..thats what tells me that the XXXX reporting agencies work against the citizens and work for the corporate guy..if one company removes them then why the others dont? under u.c.c. law 3-315 if im left no remedy i can file a commercial lien against that company..so im asking that you investigate lvnv resurgent and any affiliate associated with them this is racketeering at its finest .so i keep up with my score notifications and the 2 accounts im speaking of is added back on to my credit... how does that work unless you pay the XXXX agencies to add it again.so how can a citizen ever have truth in any corporate or reporting agency or debt collecting tactics.lvnv resurgent is a shame under the law.so many cases have been filed against there corporation. why hasn't this body of protection stopped them.or the ftc. im frustrated by the lies that they just do anything they want when it comes to a citizen.lvnv resergent want take me to court i havent been to court just threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am credit invisible and get denied many times when applying for credit or loans. According to Transunion, I have no accounts reported. Also, there have been inquiries by some of the companies with which I currently have loans. These same companies are currently and have been reporting that information to other credit bureaus for years. I can see from the latest credit report that companies that have inquired about my credit history from Transunion get no information. This I believe results in a denial of my credit or my loan application due to the fact that they can not review my credit history. I have previously asked for my information to be corrected and updated but that was years ago and I do not have the information as to when I submitted that request. I am tired and just wanted to be treated fairly.

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 2022-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Be Money, Inc. (DBA Daylight)
State: SC

Complaint narrative:
I'm basically trying to ask questions about this Daylight bank and I'm being discriminated against just because I'm apparently not a XXXX of which they have categorized these people into some different categories even to hide themselves from the fact that they are in fact XXXX. So because I'm not a XXXX or XXXX it seems, they are refusing to answer my questions and instead I got the response " I'm sorry your brain is not developed enough to understand the difference between XXXX and XXXX. Kind of impressed that you even know how to spell XXXX. '' My question said nothing about XXXX or XXXX, and I only mentioned XXXX XXXX after the initial response was an automated robot. Apparently this whole XXXX thing is something they have coded into ideally something the real world can't understand, and so as someone who isn't XXXX, I have to question this type of stuff to understand it and that's not allowed apparently as it's clearly discrimination based on my XXXX XXXX, in that it does not fit their needs, and even questioning them seems to be offensive, despite the fact they are the ones openly displaying affectionate XXXX images to advertise what they call a bank... but to question this, you're met with direct discrimination as they are clearly assuming I'm straight which they'd be correct, but it's amazing that banks would be allowed to stigmatize people just because they do not fit into their XXXX preference. A group of people wanting to be accepted openly discriminates and stigmatizes people because they are obviously full of hate. They want others to accept them for who they are and yet even when others accept them, they can't accept themselves. I never thought questioning a XXXX advertised bank about the sexuality policies would lead to this, as I'm questioning because I would like to know to sign up for an account because of other reasons their system can benefit me, but this is literally the response from them after I question their advertising content, and it's safe to assume if you are of XXXX  XXXX orientation and are not a XXXX or XXXX person, then this bank will hate you and probably mess with your banking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I received a letter from this company PHH Mortgage stating we owe 32,000 thousand dollar and if you disagree send us information. In which I did and sent a return receipt threw USPS. No they are trying to foreclose on property that just was discharged threw bankruptcy. Have people coming to my house on numerous occasions. And they seem to be with company I was in bankruptcy with and discharged. RMS was paid off in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My XXXX credit card was closed. When I called to speak with someone about my account being closed the representative read a letter that was sent stating the reason why the card was closed. The reasons listed were Iack of mortgage payment, an account in collections and amount owed on my credit cards were too high and there was a POSSIBILITY that I would be unable to pay. The one item that is on my credit report is a cable bill that I do not owe and will never pay for {$240.00}. I have 18 credit cards which most have a zero balance the few that dont are paid off every month and the remainder I pay more than the required payment. I have never been late paying XXXX and since the pandemic Ive been one of the more fortunate and I actually make more that what I did before COVID. I am a XXXX XXXX whos worked on the frontline of this pandemic the entire time and Ive went from making {$40.00} an hour to making {$120.00} an hour. I was told that I could reapply but I am currently in the process of purchasing a home and its not worth it to open a new line of credit. I just think they should have went about this a different way because now my credit score has dropped all because of a make believe POSSIBILITY!

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 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My account was restricted and then closed in XXXX due to some checks that where made to my fathers name who passed away. When the account was closed I was told I had to go to a chase branch bank and submit documents proofing that I had authorization and bring in the death certificate The funds would be released in a form of a cashiers check until this day I have not received does funds I have went up to the branch 6 times and every time the documents are being scanned by the agent in the branch and We are told they never received them so they are needed when in fact the agent has submitted them 6 times. Dates I have been to bank are XXXX. ( take in to consideration that I have spend the whole day in branch for this issue ) Fund amount that need to be released is for {$550.00} At the end of every phone call I am told the documents are received and the check will be mailed but that is not true it has not been mailed. That money is legally mine and is not right that I am being played with my time. Does funds have been on hold for 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I have been locked out of my checking account with current online mobile bank. At the time of locking me out of my account the remaining balance was and should still be {$3200.00}, as I have yet to get access to my account or funds. The date of all this began on or around XX/XX/2020 and is still currently an issue of which has not been resolved. After many different approaches to actually discussing the issues at hand with an actual being or representative other than via email, which I've recently been requesting phone number update on my account. No reply from current or their service support techs. These issues have been going on now for almost 2 years and it's been long overdue.Not mentioned the huge inconveniences this has caused in my life. I've provided all the needed supporting documentation regarding my deposits made in my account being in my name of which I still have all the emails from current and myself as well as the attachments verifying everything of which was what that's going on in my. Still current has done nothing more than exactly what it seems, keeping my money from me. I feel like I've been robbed of my funds, locked from getting access to my account. By far is this in any way acceptable to be taken for all you have like that's absurd and feel like there is something that can be done and a lawsuit or sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I borrowed {$4800.00} in 2019 and to date have paid back {$6800.00} and the company still has me owing {$5500.00} and refuse to work with me to settle the debt. This is predatory lending. 200 % interest must be illegal. However, the loan is paid off. Under their terms I will never pay it off. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I have new and updated information. FORD MOTOR CREDIT CORPORATION/XXXX FORD CREDIT replied to CFPB Complaint Number XXXX, but was noncompliant to the requested documentation per the Cease and Desist in which they received on XX/XX/2021. FORD CREDIT failed to provide documentary evidence to prove that they had any legal right to initiate this fraudulent transaction pursuant to the FDCPA. Thier Failure to produce this documentation is a violation to my consumer right to validate this fraudulent transaction, which I the consumer DID NOT authorize or consent ; no consent is identity theft. 

FORD CREDIT provided false and misleading information by stating " the disputed inquiry does not appear on your credit report at this time ''. The attached exhibit titled " Experian Consumer report Reflecting FORD Inquiry clearly displays the inquiry on mt consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PNC Bank N.A.
State: MO

Complaint narrative:
The company keeps calling my boyfriend and telling him that I owe certain companies certain amounts of money. The guy is giving him company names and amount details. 
I returned the mans call the first time he called my boyfriend and said I wasnt allowed to have calls during work hours. He said I was lying. He continued to call me multiple times a day even though I answered. I asked several times for physical copies of the bills he has told me he does not have to provide that and that there isnt a supervisor that would want to talk to me. I have asked him to stop calling people I know and he said he would then he did it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
After opening a new account, wiring money over to the new NFCU account, and while waiting for my debit card to arrive in the mail from Navy Federal Credit Union in late XX/XX/2019, my debit card was stolen from the mail and activated without my knowledge/permission and used On XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX, CA to fraudulently withdraw {$6300.00} from my account. 

When I checked my account and noticed these funds were stolen from my account a few days later I immediately called NFCU and informed them about this situation. They basically told me they were not liable for this instance of fraud taken on my account and denied my claim to reimburse me for these fraudulent charges. Again, I was never in possession of this debit card ( as this was a new account ) and the pin number was yet to be created, so the individual who stole my card only needed to find the last XXXX digits of my SSN ( which is easily obtainable to find online since he knew my name and address ) to activate my card and create a pin number. 

Even after I filed a police report with XXXX XXXX ( CA ) and an investigation was underway to find the individual who stole the funds from my account, NFCU still denied my claim. The individual who committed the crime was eventually identified, charges were filed, an arrest warrant was issued by the XXXX XXXX and the criminal is currently on the run. The case number is XXXX in the XXXX XXXX XXXX California XXXX XXXX of XXXX ( see attached document ). After providing NFCU with this documentation, again, NFCU denied my claim and stated " I need to sue the individual who stole my debit card for the stolen funds ''. 

NFCU has still yet to offer any help or resolution for their mistake. When the card and new pin number were activated I did not receive any alerts. Also, when the money was being taken out there was no alert given to me either. I also questioned how the criminal was able to take out $ XXXX of my account at an ATM in one day with zero fraud alert or holds and they were unable to give me a reasonable answer. This has been a hardship on me and has been poor service by NFCU Person of contract from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX desk XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Im permanently XXXX with XXXX XXXXs. Im home bound and also a military dependent. I opened this bank account over two decades ago. Ive never had overdraft protection. Im good at budgeting the XXXX I get total monthly from Social Security. This morning I called to Purchase a car battery through XXXX because I have no running car. I use it for a security alarm. I sleep with my keys in case I need to push panic on my XXXX year old vehicle. My account is negative. I have access to XXXX dollars. The bank was very rude offering me the fraud number. They advised me fraud department closed XXXX. I can call tomorrow. You mean the XXXX when I get my XXXX?? From Social security XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief