vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LVNV FUNDING LLC 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 LVNV FUNDING LLC 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, CA XXXX*

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: FL

Complaint narrative:
I've contacted you all before. I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. Police in my area have been notified, as well as, the FTC. These items still need removal : XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, Chapter XXXX Bankruptcy. Also the following inquires : XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 2019-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Ghidotti | Berger LLP
State: IL

Complaint narrative:
I have completed my installment as XX/XX/19 however I am still receiving a bill for the full installment I just paid off. I don't understand why the company keep moving the amount of my loan. I'm getting charged for addition finance charges as well as fees foe making payments for less then the installment amount of {$380.00} when the rep on my account set up payment to be paid every other week for a short period of time. I am concern that this loan will never be completed. the information is don't add up. I need a breakdown for the balance reminding on this account. 
I would like to pay it off as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I reached out to BBVA formerly ( BBVA Compass ) NA to advise them that I was a victim of identity theft. In my previous complaint they stated they needed an identity theft affidavit which I provided to them, and a statement of the issue. It looks like they may have closed all 3 credit cards but I am unsure. They told me theres two reward cards and 1 compass clear points, secondly they had two checking accounts the thief opened, a money market account, and 2 savings. All of these accounts were opened online using fraudulent identification information, fraudulent addresses and fraudulent information. BBVA USA allowed these accounts to be opened. They linked these to a fraudulent username I have never used. I would like this identity theft to be resolved and these accounts unlinked from me, since I did not open these.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: GA

Complaint narrative:
I went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I went and loo at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX XXXX and XXXX XXXX XXXX. 
I got contact with FTC and i have call police

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have sent letters to each of Citi Bank or Citi Card notifying of their client 's financial hardship ; due to emergency illness and change of living lifestyle. I requested forgiveness for her loans. Data was sent via certified mail -- indicated missing a page of POA document. The clients have three separate accounts with Citi Card, the names of the companies are as follows : Macy 's which offered a settlement. I followed their required protocol by resending the POA data and giving them their 3- 5 days processing to upload information with no avail as of XX/XX/2019. It will soon be a month of second a second submission data per them via the fax on XX/XX/2019. The second submission documents were sent by overnight postal mail. The Home Depot sent the same methods ; they give me the mailing for the second POA submitting office but refused the overnight letter, sending it back return to the sender. Sears never responded to my inquiries but received a signature certified mailing. I will be visiting the XXXX postal office to find out what happened to the overnight letters to Macy 's and Sears. Citi Card should be reflect all accounts open in their system. I stated to them it each of the companies received the mailing it must show in their system. This Client is  going on XXXX- still get credit increases.

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 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
XXXX XXXX allowed an unauthorized user to discontinue service on my account without my knowledge. I found out about this through a collection agency and then contacted XXXX XXXX. They admired fault because my service should not have been able to be taken out of my name without my permission. Two years later this balance is back in XXXX XXXXs system and a new credit company, credence credit collection management has my account. I called both XXXX XXXX and credence and explained how this balance was resolved. XXXX XXXX said to call credence and ask them to give the account back to them because its frozen and they cant readjust it. Credence refuses to acknowledge that XXXX XXXX wants the account back and is being rude, wont let me speak to a supervisor and isnt trying to help me resolve this whatsoever. They just keep insisting the debt is valid. They finally said the account is under review, but said they cant give it back to XXXX XXXX when two XXXX XXXX reps told me thats the only way. My credit has been severely impacted from this now for almost 4 months and I need help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
A request was made to pay my daughter 's softball coach for equipment and uniforms using Venmo. I was not completely aware of how Venmo worked and looked up the Coach 's name on Venmo. I found a XXXX on Venmo assuming this was the coach name, I transferred {$410.00} to this account. When I saw the coach on the XXXX of XXXX she advised me that she had not received the payment on Venmo. I told her that I sent it on Venmo to the address of XXXX, the Coach stated that was not her account her Venmo account was XXXX XXXX @ XXXX. I submitted a form to Venmo, no response, so I called their customer service department, I was told that there was nothing they could do. Their suggestion was to continue to reach out to XXXX XXXX and request the funds be transferred back. I asked Venmo for a telephone number and email address for XXXX and they stated it was company policy to give out the information. I asked them why then would they allow users who have so closely related names, exact names as a matter of fact to be able to use Venmo in that fashion. The lady at Venmo said she didn't make the policies. She advised was to continue to reach out to the XXXX and see if she would send back the money. I have attempted numerous times to contact XXXX about returning the funds as they did not belong to her. And I have reached out to Venmo to do the same, and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with Synchrony Bank/Care Credit in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me. 

As of today they have failed to provide me with the proof I have lawfully requested. This account with fraud charges being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : SYNCB/CARE CREDIT XXXX ; opened : XX/XX/XXXX ; Limit : {$1000.00} ; Status : Closed. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of  character. 

Attached : - Letter sent to Syncb/Care Credit - FTC 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 2019-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I was trying to look at a refinance through my Bank named Bank of America where I tried to outreach around XX/XX/XXXXand they stated it could take up 6 months to a year to have everything completed. The homeowners association was being very belligerent and pushy to get money from all of its owners. Along with that they would threaten people all the time. The homeowners association is XX/XX/XXXX for the property XXXX XXXX XXXX in XXXX XXXX XXXX. My name is XXXX XXXX and I lived at XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX. Also they were going to raise the association dues to about {$300.00} a month. That would put my total cost for mortgage and dues totaling about {$1000.00} a month where I could get a house where I didnt have to worry about an association. Now I know that this association is using all means necessary to keep me unemployed and homeless. This is my last hope.

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 2019-10-01 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: GA

Complaint narrative:
I went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I went and loo at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX XXXX  and XXXX XXXX XXXX. 
I got contact with FTC and i have call police

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 2019-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NY

Complaint narrative:
Hello - I have a promotional APR on my account that expires on XX/XX/2019. However, I was still charged {$12.00} in interest for my last statement and I'm not sure why. Can I waive this interest and get an explanation on why I'm getting it so I can avoid it in the future? Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
XXXX XXXX XXXX. Got a divorce. Called the company before I moved out of my old home and had it takes out of my name in XX/XX/2014. Apparently they didn't and trying to make me pay for electric when I didn't live at the residence. They said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Someone is using my personal information for a PayPal account. The suspect name is XXXX XXXX and is using my email address for unauthorized use of an account. PayPal refuses to fix the issue. The issue was first noticed back in XX/XX/2018, and the issue persists after contacting PayPal to suspend/close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120 150 ) days past due on the XXXX 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 is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a victim of ID theft due to the Equifax data breech for several months now. I continue to request that the CRA 's block this inaccurate information yet they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
As previously reported. I have sent documents to Santander Consumer for the money owed to myself. I have called and got no where with them to receive the payment they mention. I have sent the information they requested to their legal department and still have gotten no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX XXXX ) days past due on the XXXX 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 is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-10-01 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( XXXX XXXX ) days past due on the XXXX 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 is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( XXXX ) bureaus to remove this however, I have not been successful.

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 2019-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I received notice from company that amount on cancelled credit card had an amount due, many months after card cancelled. Response from credit card company is that they are refusing to describe issue ( s ) in writing dated XXXX XXXX, 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: GA

Complaint narrative:
I have contacted you all once before. I'm following up. I was recently went to check out a new car at XXXX XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items still need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX-XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX   XXXX/XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
After graduating from XXXX School in 2005, I attended XXXX University. During my tenure as a student, I acquired significant private student loan debts ( mostly through Sallie Mae, now Navient ) to try to stay afloat. I was not able to secure much federal aid due to my parent still claiming me as a dependent. I did not end up attaining a degree from XXXX University nor have I since entered a career space based on my studies there ( XXXX XXXX ). I was never living some high life with a new car or a nice place to live. 

After dropping out of XXXX due to financial reasons -- looming student loan debts with no means to secure enough educational funding to continue -- I eventually entered the workforce via the best means available to me without a degree. Despite having steady, salaried work for years ( 30-45k per  year ), I could not make a dent in my loan debts being barely able to afford the monthly minimums on top of basic needs ( food, shelter, transportation ). There were multiple times after I lost my most recent job ( XXXX ) and I returned to school, that forbearance was offered to me as an escape from default. 

Currently, I am an a better financial position in a secure, degreed career path. However, the private loans still loom in greater amounts than ever before. I'll be able to scrape and scrounge to try pay them back in the next 10-15 years while any chance of owning a home or moving forward in life before turning XXXX quickly vanishes.

Company response to consumer: Closed with explanation