vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA has refused to provide WRITTEN DOCUMENTATION OF MY FRAUD REPORTS OF XXXX & XXXX. 
Two years later still USAA Refuses to provide. WRITTEN documentation of * RESOLVE. COMPLETION OF INVESTIGATIONS. ON ALL THE UNAUTHORUZED TRANSACTIONS I REPORTED. ( ** XX/XX/XXXX THERE ARE {$2.00}, XXXX OTHER FRAUD CREDITS NOT INCLUDED IN THE TOTAL CREDITS FOR XX/XX/XXXX. ALL USAA FRAUD CREDITS ARE INTERNAL HIDDEN FROM CONSUMER. ** ) USAA WAS FINED XXXX   OF DOLLARS XX/XX/XXXX FOR NOT RESOLVING ERRORS ON XXXX MEMBERS some my familys ACCOUNTS that I recommended usaa to ** BY LAW I DEMAND WRITTEN PROOF OF RESOLVE OF FRAUD REPORTED COMPLETION OF INVESTIGATION WITH PROOF I PURCHASED FROM MY IP ADDRESS AND MERCHANTS DOCUMENTION INCLUDED PROOF DELIVERY ACCEPTED & SIGNATURE. XXXX & XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: IL

Complaint narrative:
On XX/XX/2020, Bank of America decided to discontinue me as their customer and blocked my access to account and funds. I was given absolutely no prior notice or any warning about any activity that might lead to this conclusion by the bank. We are going through coronavirus pandemic and literally locked at home due to stay-at-home orders by the state of Illinois and the federal government. Me and my wife went to a grocery store and found out at the register that our debit card is not working. I can provide you receipts for denial as well. 

I called bank of America and after 3 hours of wait, somebody answered the phone and told me that bank has the right to close my account at any moment. He also said that for me to access funds, I would have to wait 3 to 5 business days or I would have to call hardship customer line in the morning and explain my situation and they may be able to give me access to funds by the next business day or two. I told them that I need to put food on the table for my family and I do not have any other bank account. At least, give me access to my debit card so that I can buy food and buy medicine for my wife but even the supervisor could not help me because the hardship department that would handle my situation is closed for the day. 

My wife is XXXX XXXX XXXX. She needed food and medicine and bank of America literally snatched our most basic needs from us. I am not sure if it was bank of America 's intent to bring us out on the street and start begging from people sure because that is where we found ourselves on the night of XX/XX/2020. We are in a national state of emergency and our area has been declared as a disaster region by the federal government. I have been out of work for the past 3 months and have not received any assistance as of now. I have very limited funds in my account and the bank stopped me from accessing it. On top of that, I am not sure if any banks are open right now and are accepting new customers so that I can go there and open a new account. In a situation, where it has been mandated by the Federal government to help consumers to the maximum extent possible, bank of America literally waged war on me and my family by blocking access to funds. 

This is not only unjust and inhumane, it is also illegal during the national state of emergency and I want to pursue my case to the highest level possible. What if something happens to my wife and my XXXX XXXX? Bank of America should be brought to justice for this illegal practice so that they are careful next time about committing crimes against humanity.

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 monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
In XX/XX/XXXX, while trying to set up a utility bill I was informed of fraud security was in place due to a fraud alert and data breach. Ive been examining my credit reports prior to filing an identity theft affidavit to police and on XX/XX/XXXX I called LVN funding to request proof of debt. I explained my issue and said I was in the process of filing with police. They instructed me not to do that and then informed me I have a judgment filed with XXXX, XXXX and XXXX. After calling the law firm I was extremely confused to be told they served my mother by constable and she signed. I looked up my name on R.I.gov  and u saw the date passed already and they were awarded a default judgment. XXXX, XXXX and XXXX told me they served my mother and she signed. but thats true because my mother works during the day and would have informed if she was served on my behalf. She confirmed she was not ever served, never signed and most likely wouldnt have opened the door if they did come. She would testify to that. I called XXXX back today and explained to them they didnt serve my mother and this debt is not valid. They told me its my responsibility and to figure it out. I am judgement proof a thus time and supporting my XXXX daughters alone. Im w victim of XXXX and lived in a XXXX XXXX shelter when they claim I was served at my address. For the last 48 hours Ive been educating myself on R.I. Debt collection laws, Fair debt collection practices, consumer rights and statue of limitations and LVN Funding LLC. Ive learned is this company is notorious for obtaining unlawful judgments by using methods that violate the FDCPA, FCRA protection laws. Theyve used false and deceptive means by failing to register with the state of R.I. as a debt collector. Theyre filing unfair and unconscious-able claims in Rhode Island that are time barred by Virginias limitations. They never responded to dispute by providing proof and they filed an illegal lawsuit against me knowing judgement would be defaulted. According to R.I. island debt collection law the defendant must be served in person without exception and that didnt happen. Im filing complaints against LVN Funding c/o Resurgent Capital Services to the RI AG Consumer Financial Protection Bureau, Federal Trade commission and XXXX. Id like to include XXXX XXXX for an additional collection for XXXX XXXX, but they have no yet filed a lawsuit. I want to file a counter suit against LVN funding and a file a suit against XXXX, XXXX and XXXX for violation of R.I. Debt collection Laws by not properly serving me legal court documents and using false documents to default judgment against me when I am legally judgment proof

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-04-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-04-16 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-04-16 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2020-04-16 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: Westlake Services, LLC
State: CT

Complaint narrative:
I applied for a loan from Westlake Financial Services in XX/XX/XXXX. I was involved in an accident in XXXX before that I was doing timely payments. Initially the insurance payment paid them off a major of the portion of the principal and then I kept in paying too same as before. I also financed an extended warranty through them so the company of the warranty had to sent me a check the check went to them first and they paid themselves then they paid me. When the loan was closed which was reported on XX/XX/XXXX they reported that I was 30 days late for XXXX payment 30 days late for XXXX payment and 30 days late for XXXX payment. Their representatives were very inept and lacked proper training and this company is probably the worst lienholder Ive been dealing in my entire life. Anyways the payment should be done by the first of each month. I am attaching two screenshots where my payment for the due date on XXXX was made on XX/XX/XXXX in full for the due date by XX/XX/XXXX. Also the payment for the month of XXXX was done in two different dates for two different amounts XXXX dollars on XX/XX/XXXX and XXXX on XX/XX/XXXX for the due date by XXXXThey also told me that my account was paid off sometime in the end of XXXX with the check that the warranty company sent to them they paid off themselves in XXXX and then refunded me so despite I took a statement on XX/XX/XXXX to make a payment by XX/XX/XXXX but yes I did not make a payment due to my account being paid off from the check they got from the warranty company. I want to know how is it possible I was 30 days late in payment for the months of XXXX and XXXX and 60 days in XXXX when my account was closed on XXXX? Despite its reported as closed on XX/XX/XXXX on XXXX  I think.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
On XX/XX/2020, I reviewed my credit report because I am preparing to purchase a home. Upon review, I have a collection account from Midland Funding LLC. I have never received any notification from Midland Funding LLC, notifying me of a debt. Nor did I ever receive any written notification from Midland Funding LLC regarding my right to dispute debt within 30 days or given any documentation proving that I have any obligation to pay any debt. I don't owe any money to Midland Funding LLC, nor do I owe money to any third party Midland Funding LLC claims to represent. Midland Funding LLC has damaged my credit and violated FCRA and FDCPA. This account should be removed immediately, and if it is not, I will plan to sue to the fullest extent the law allows.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
Early XXXX XXXX Contacted original creditor, XXXX XXXX XXXX , and asked for account to be moved back in their possession, they agreed, and a payment plan was set up. Agent with original creditor assured that RSI enterprises would no longer have my account, that they would notify RSI enterprises, and that the system of RSI Enterprises would be would be updated within 2 weeks. 

XXXX : RSI enterprises continues to falsely report that my account is still in their possession as a derogatory collections account. XXXX  has removed this from my account and Transunion is unable to dispute. XXXX  is pending. 

Under the FCRA, this is false information and is illegal for them to continue reporting as if my account is still in their possession. 

I WILL NOT attempt to contact RSI enterprises directly out of fear of humiliation, harassment, and retaliation which was experienced by contacting this company before. I have a history of harassment, humiliation, and retaliation with RSI enterprises from an account in the past. To keep from further mental anguish from this company I REFUSE to contact them directly. 

It is my right to have my credit reported accurately and efficiently. Both of which, RSI enterprises is failing to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I made a purchase at Best Buy on XX/XX/2018 for {$3600.00} when the offered me a no interest for 18 months credit card, I asked the salesperson what happen if I don't pay in full in the 18 months, he told me then you will have to pay interest in your balance, I said ok, so he walked me to the cashier and she asked me for my personal information 5 minutes later she told " congratulations you are approved '' and she asked me to sign on the electronic pin pad and gave me the receipt. 
I asked her for a copy of my application but she told me that I will get it by mail along with the new card in 10 business days, a month passed and I didn't get any correspondence, I called Best Buy asking for the documents the customer service representative apologized and told me that he is going to expedite my request and that I should receive it in no more than 5 business days, effectively at the fourth day I just received the new card with the activation information ONLY. 

In XXXX I logged in to make my monthly payment and I notice that my account that was supposed to be about {$350.00} is now {$1200.00} because they charged me the 18 months of interest. I called to ask for any document signed by me accepting those terms. 

I called Best Buy in XXXX, spoke to the manager, this very rude lady told me that all that information was on the pin pad and that I should have read the information when I signed the receipt for the purchase, I told her that it is impossible to read that information in such a small device in less that 3 minutes, she ironically told me " I do it every time that I buy something '' Last week somebody called me from Citibank saying that they funded Best Buy 's credit cards, I asked this person how it is possible that I have this card since XX/XX/2018 and it is the first time that they call me to tell me this information, however, I explained this lady the problem, but she told me " I am sorry, but it is too late for you to request an adjustment of interest, you had only 30 days to it, I am pretty sure that Best Buy should have told you this, they are very well trained '' I felt insulted. 

Now Citibank calls me every day treating me to put me on collection.

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 2020-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
After looking over and reviewing a copy of my credit report i noticed that the credit bureau is still reporting an address on my credit report. reporting inaccurate information. i want my credit report only reporting accurate updated information. i have sent letter after letter and they are still reporting. Also they are reporting a child support in which they say that child support is reporting but when i contacted them i was told that the credit bureau is reporting it.

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 2020-04-16 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: MO

Complaint narrative:
After looking over and reviewing a copy of my credit report i noticed that the credit bureau is still reporting an address on my credit report. reporting inaccurate information. i want my credit report only reporting accurate updated information. i have sent letter after letter and they are still reporting. Also they are reporting a XXXX XXXX  in which they say that XXXX XXXX is reporting but when i contacted them i was told that the credit bureau is reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Student Loan Finance Corporation
State: TN

Complaint narrative:
I received two unsecured student loans from original creditor XXXX XXXX  in XXXX Minnesota, On XXXX XXXX for {$1500.00} and XXXX XXXX for $ XXXXThe original creditor XXXX XXXX was based in XXXX, Minnesota. This Bank went out of business a short period later. I was not notified, regarding the original creditor XXXX XXXX  closer. Moreover, this debt was discharged in bankruptcy court Chapter XXXX filed in XXXX. 

I never agreed or borrowed any monies from a Student Loan Finance Corporation, or Reunion Student Loan Finance Corporation. This illegal company started XX/XX/XXXX to call me and sending me letters, stating that, I own them student loans and they was going to report me to the three credit reporting agencies. The United States XXXX called me up to go to war for the country. I was XXXX in a XXXX XXXX for 3 years and could not dispute this claim. I returned back to the states in XXXX. This illegal finance corporation started to call and sending letter again. I was declared a XXXX veteran upon my returned from combat and need help get back to normal life style and still working on this to this day. None-the-less, this debt is not valid and should have been XXXX. The consumer XXXX XXXX   never notified me of the closer and never allowed me to close out any business with them, therefore the debt was voided and closed upon their closer. Please have this illegal company to Cease and Desist all illegal activity immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation