vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tromberg, Miller, Morris & Partners, PLLC
State: NY

Complaint narrative:
TROMBERG MORRIS POULIN, PLLC and XXXX XXXX XXXX threaten to sue me for a fraudulent debt and threaten to take everything i own if i do not pay them for the alleged debt. 
I contacted each compant and law firm asking them to do a proper investigation and they REFUSED. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers bearing my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions. 
This is not my debt this is a fraudulent account and it is not my account. 

After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge. 

If you can not produce such proof and continue to violate me after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my court 's venue. You will have to travel to defend yourself in that scenario. 

Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required and NOT a computer printout. 

Since this is my final request, I will also be sending a copy of this letter to the Attorney Generals Office, Federal Trade Commission, XXXX XXXX XXXX, and The Federal Deposit Insurance Corporation ( FDIC ) notifying them that I have signed receipts for letters sent to you and you have ignored and not complied with my request. 

Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AR

Complaint narrative:
Select portfolios serving wa sa quick to contact me but wanted me to pay XXXX a month for 6 months I might as will quit my job worry about my family getting something small and me living under a bridge so much for them needing to help a XXXX veteran way to go with covid relief

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 I received a call from Bank of America 's fraud department inquiring as to whether I had made a {$1000.00} ATM withdrawl the day before XX/XX/2021. I informed them that I had attempted to make a withdrawal at the XXXX XXXX BofA location but i received a " insufficient funds '' notice. I figured I had certified for benefits to late on Sunday and the money didn't transfer that monday morning. I was driving to the ATM the following morning, Tuesday XX/XX/XXXX when i recevied their call about fraud. They informed me that someone had done a {$1000.00} ATM withdrawal around XXXX in XXXX XXXX , CA at at BofA ATM. They also had done balance inquiries that day at a XXXX in XXXX XXXX I was told. They froze my card, took a claim, issued a claim number, told me i would receive a provisional credit within 10 days although the investigation could take 45 days, and said they would XXXX me a new card. A few days later i received the new card, i was not able to activate it online so i called BofA and was transferred to the fraud department who put me through several identity checks and then activated my card. The following day i received a letter in the mail from Bank of America dated the exact same day i filed the claim stating " the above listed claim has been closed ''. Clearly they did not investigate and pull HD video surveillance from the BofA ATM, analyze the case, generate a letter and mail it on the same day, anyone that deals with Bank of America knows that unless it's them receiving payment, nothing happens that fast. I called back at that point and was informed that when my new card was reactivated that the claim was reopened whoever they claim they are no longer held to Reg E or their zero fraud warranty because they made an initial determination that I was the source of the fraud. This is consistent with literally thousands of stories in online forums, network news TV investigations and three class action lawsuits filed for the exact same reason, Bank of America is systematically closing investigation cases without even looking into them to try to circumvent Reg E laws about provisional credits. They then are putting the burden on the consumer and slandering the card holders like myself by claiming I defrauded Bank of America. I thing is egregious that regulators continue to allow Bank of America to operate outside of Reg E and willingly and knowingly breach the cardholder contract and it's " zero fraud '' guarantee.

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 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
CA Bank and Trust has been dragging their feet on this workout request for months. At issue is when documents are sent in the documents aren't reviewed for weeks which is a violation of RESPA guidelines. By the time CA Bank and Trust finally gets to the documents a month later the documents are expired. This is an unacceptable violation and must CEASE and DESIST IMMEDIATELY. 

I expected CA Bank and Trust to IMMEDIATELY escalate my file to a supervisor and have my request reviewed and send me a modification agreement. They've had enough documents sent to fill up library. Their gross financial negligence on my home is unacceptable.

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 2021-04-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has my address as " XXXX XXXX XXXX XXXX ''. I live on " XXXX XXXX XXXX XXXX ''. They are the only credit agency with this address and insist that they got it from various creditors. I have never lived at XXXX XXXX XXXX XXXX. I called XXXX XXXX and they insisted they have never reported me as living at XXXX XXXX XXXX XXXX Filing in the online dispute results in same thing -- disallows me from correcting this incorrect address and insists it came from creditors. 

Here is why that is a problem - our mail was once misdelivered to XXXX XXXX XXXX and the people who lived there never gave us our mail. If they had a credit card application with my name sent to that address they they could've filled out the form and changed the address to steal my identity. 

Why is Experian being obstinate about correcting my address?

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 2021-04-16 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: FL

Complaint narrative:
I am writing to delete the following information in my file. These items I need deleted contain inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/2021 I filed a dispute against XXXX XXXX. I bought a wig from them in the amount of {$210.00} that I was not so satisfied with and decided to file a dispute without sending the wig back. Well bad bad bad idea for me to consider. Meanwhile, I decided to do the right thing and send the wig back from where it came from which is XXXX XXXX. All the while the dispute was still going on that I made back in XXXX. I sent the merchandise back on XX/XX/XXXX they received it on XX/XX/XXXX and even confirmed with me that have it and sent information to the bank on explaining to them to release my funds. Tracking number for that item is XXXX it was sent through XXXX. My dispute came back as denied as no error being made and there led to them to make the decision of no refund being made back to me. I have images and emails that follows my statements being said here today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: MD

Complaint narrative:
I am writing to delete the 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 Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
I got a text from TD Card Services saying that someone made a purchase at XXXX using my TD Card. I immediately called and told them that I did not make the purchase. They said that it was too late as it was already approved. I couldn't get them to call XXXX and stop the transaction. They said that it was a job for law enforcement. They cancelled my card and removed the charge and issued a new card. Several weeks later I received a letter that stated that an investigation showed that there was no billing error and they added the charge onto my new card. I called TD Card Services and told them that it was not a billing error, but a fraudulent purchase. They said that I would have to take it up with XXXX and gave me a XXXX number to call. When I reached out to Apple they didn't understand why TD Card was charging me back the charge as they had it flagged as a fraudulent purchase and refunded the money to TD Card. XXXX told me that there were many of these fraudulent purchases in XXXX by the same individual. They would purchase an XXXX online, to be picked up at the XXXX XXXX, then change the pickup name to their name and go pick it up. That process takes some time, so had TD Card made a call as I asked them to it could have been stopped. The rep at XXXX instructed me to call back TD Card Services and give them their number XXXX and order number XXXX and they would tell them that it was a fraudulent charge and that the funds were returned to TD Card. I did that but they refused to remove the charge from my account. I have a police report XXXX filed with the XXXX Police and a detective assigned to the case. That information also didn't help me get the charge removed. They have the phone serial number. They could easily track it's location. I don't understand why TD Card refuses to remove the charge when they got their money back from XXXX. Are they really trying to profit from a fraudulent charge?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NY

Complaint narrative:
XXXX XXXX XXXX, XXXX and Crown Asset Management threaten to sue me for a fraudulent debt and threaten to take everything i own if i do not pay them for the alleged debt. 
I contacted each compant and law firm asking them to do a proper investigation and they REFUSED. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers bearing my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions. 
This is not my debt this is a fraudulent account and it is not my account. 

After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge. 

If you can not produce such proof and continue to violate me after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my court 's venue. You will have to travel to defend yourself in that scenario. 

Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required and NOT a computer printout. 

Since this is my final request, I will also be sending a copy of this letter to the Attorney Generals Office, Federal Trade Commission, XXXX XXXX XXXX, and The Federal Deposit Insurance Corporation ( FDIC ) notifying them that I have signed receipts for letters sent to you and you have ignored and not complied with my request.

Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I requested redemption of my Bank of America reward points on my credit card with last 4 digits of XXXX I redeemed the points with XXXX Gift card in the amount of {$440.00} I received confirmation on XXXX online and stated i will receive my gift card in 2 weeks ( XX/XX/XXXX. I live in California. I received the card on or about XX/XX/XXXX. 
Months later, I wanted to give the card to my employee as a gift. I unmasked the Card code to find out the exact amount. I called XXXX. I was told that card 's balance was XXXX! It had been used on XX/XX/XXXX th by another person not my name on XX/XX/XXXX before i had even received the card. I was told they have seen this pattern with Bank of America issuance of gift cards. 
The only two people who would have access to the code of the physical card would be Bank of America employee who issued the XXXX gift card and me. Since the card was wiped out on XXXX before i received it, then it was obvious that Bank of America employee was the culprit. Bank of America needs to secure client confidential data and be held responsible for their lack of safety in securing client data and are at fault for all illegal activity their employee is imposing on unsuspecting clients. 
I discussed by case with Bank of America 4 times and received a letter stating that they will not issue my rewards back case # XXXX. No assurance was given that they would put policy and procedures in place to protect their customers. I am a Physician that works in the hospital working long hours and come home exhausted. To spend hours on the phone on my day off with Bank of America ( whom i have been a loyal customer since 2001 ) was just too much. 

They have breached their contract. They assured i would receive rewards, I signed up with them with that assurance. I spent money on their card, amassed rewards, ordered gift card only to have their employee steal my gift card number and buy merchandise on line.

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 2021-04-16 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: CA

Complaint narrative:
Due to me being a victim of identity theft I spoke with XXXX at Transunion on XX/XX/XXXX, about the unauthorized accounts that appears on my credit report I request these following accounts to be delete and removed off my Transunion credit report : " XXXX XXXX XXXX '' Open Date XX/XX/XXXX Amount {$8800.00} Account XXXX, " U S DEPT OF EDXXXX '' Open Date XX/XX/XXXX Amount {$5200.00} Account # XXXX, " U S DEPT OF ED/XXXX '' Open Date XX/XX/XXXX Amount {$6900.00} Account # XXXX, " U S DEPT OF EDXXXX '' Open Date XX/XX/XXXX Amount {$3400.00} Account # XXXX, Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Transunion credit report due to my identity been stolen.

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 2021-04-16 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: GA

Complaint narrative:
I HAVE REACHED OUT TO ALL THE BUREAUS REGARDING THE INCORRECT INFORATION THAT DISPLAYS ON MY CREDIT REPORTS AND HAVE TRIED NUMEROUS ATTEMPTS TO HAVE THEM REMOVED AND YET NOTHING HAS BEEN DONE. ALSO THE FACT I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Equifax : Collections : 1.XXXX XXXX XXXX XXXX 2.XXXX  XXXX XXXX XXXX Inquiries : 1.XXXX XXXX XXXX XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX 5.XXXX  XXXX 6.XXXX  XXXX Closed : 1.Dept of EDXXXX 2.XXXX XXXX XXXX-0XX/XX/XXXX 3.XXXX XXXX XXXX XXXX reported XX/XX/21 4.XXXX XXXX XXXX XXXX  : Closed : 1.Dept of EDXXXX 2.XXXX XXXX and XXXX XXXX : Collections : 1.XXXX XXXX XXXX 2.XXXX  XXXX Inquiries : 1.XXXX  XXXX XXXX 2. XXXX XXXX XXXX XXXX Closed : 1.Dept of EDUXXXX 2.XXXX XXXX And XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: LEXISNEXIS
State: MD

Complaint narrative:
I disputed a bankruptcy that LexisNexis has listed on my consumer report and they are continuously reporting to the credit bureaus. On XX/XX/2021, I received a letter from LexisNexis stating the LexisNexis investigated and verified that the information was accurate and true. The letter from LexisNexis goes on to inform me that under the Fair Credit Reporting Act ( FCRA ), I have the right to request a description of the procedure used to determine the accuracy and completeness of the disputed information. On XX/XX/2021, I sent a letter certified mail to ensure deliverability requesting LexisNexis provide me their investigative procedure ( Method of Verification ). On XX/XX/2021, at XXXX XXXX. the letter was delivered and the fifteen ( 15 ) days to complete re-investigation and response with the Method of Verification began. As of XX/XX/2021, the 15-day grace period given to respond to my request expired without a response to my request. On XX/XX/2021, I contacted Lexis Nexis via telephone at XXXX and the service rep placed me on hold, and I stayed on hold until the phone hung up. LexisNexis has failed to provide me with the information they informed me I was entitled to under the Fair Credit Reporting Act. Therefore, I would like LexisNexis to delete the unverified item from my consumer report and refrain from continually reporting the unverified information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I ' am writing this due to non - compliance with ( XXXX, XXXX, XXXX ). They have failed to remove information that was affiliated with personal debts that were challenged in the past. I strongly that they are in violation of FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation