vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/2020 I noticed two different accounts on my credit reports that I did not recognize from LVNV Funding. I realized I had never received a notice of the right to dispute regarding these collections. That same day, I sent LVNV Funding a letter to validate each of the accounts. I have a certified return receipt that XXXX XXXX signed for my letter on XX/XX/2020. In the 30 days that followed I did not receive any documentation validating either debt. I checked all three of my credit reports and they failed to mark either account as disputed. On XX/XX/2020 I sent a follow up letter stating they failed to validate the debt, neglecting to send any documentation and requesting to have the accounts removed from my credit reports immediately. My XXXX letter was received certified return receipt on XX/XX/2020, also signed for by XXXX XXXX. Again, I received not response and the accounts were still not removed. I sent all of my documentation to the 3 credit bureaus and again it was not removed. 

Over a year later I received a letter that a law firm XXXX XXXX XXXX XXXX that they were now handling one of the accounts and provided a packet of information regarding the account. I sent them all of my documentation that LVNV Funding failed to validate the debt. The law firm proceeded to file a lawsuit against me for one of the accounts. At the first court hearing the lawyer from XXXX XXXX XXXXXXXX was very arrogent towards me, telling me that it didn't matter that XXXX didn't follow the validation law upon receiving my letters or the fact that they failed to validate the debt. He stated I now needed to settle the debt with his firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lefkoff, Rubin, Gleason & Russo, P.C.
State: GA

Complaint narrative:
AFTER FAMILY MEMBERS IN OUR HOME RECOVERED FROM VIRUSES BEING SPREAD AROUND, WE FINALLY HAD A CHANCE TO CHECK OUR MAIL, AND SAW MAIL FROM SEVERAL ATTORNEY OFFICES. WE WONDERED WHY WERE THESE LETTERS BEING MAILED TO OUR HOME. FINALLY WE SAW A LETTER IN THE MAIL FROM AN ATTORNEY 'S OFFICE CALLED " LEFKOFF, RUBIN, GLEASON, RUSSO XXXX XXXX, XXXX. WE ASSUME THEY REPRESENT " XXXX XXXXXXXX XXXX  '' THIS IS WHAT THE LETTER SAID. IT ALSO ASKED IF THIS WAS THE HOME OF " XXXX XXXX '' AND THAT XXXX XXXX NEEDED TO RESPOND WITHIN 2 WEEKS OR THE AFOREMENTIONED ATTORNEY 'S OFFICE WOULD " ASSUME '' IT WAS THE CORRECT HOME FOR " XXXX XXXX. '' 1. WE HAVE SEEN WHERE THE THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE CAN BE CONFUSED BY THE SIMILARITY IN NAMES, WHICH COULD CAUSE THEIR OFFICE TO ASSUME THAT THEY ARE SENDING MAIL TO THE PROPER HOME ADDRESS. WELL, NO ONE IN OUR HOME GOES BY THE NAME " XXXX XXXX. '' WE NOW HAVE TO BELIEVE THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE HAS SENT LETTERS TO THE INCORRECT ADDRESS. THE MAN, WOMAN, OR PERSON THEY ARE SEARCHING FOR DOES NOT LIVE OR RESIDE AT OUR HOME ADDRESS. THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE COULD HAVE MADE A SIMPLE MISTAKE, OR WE COULD BE A VICTIM OF IDENTITY THEFT.

2. WE DO NOT KNOW ANYONE FROM THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE. WE DO NOT HAVE A CONTRACT WITH THE AFOREMENTIONED ATTORNEY 'S OFFICE, NOR THEIR CLIENTS. WE HAVE NO KNOWLEDGE OF ANY DEBT OWED TO THE AFOREMENTIONED ATTORNEY 'S OFFICE, NOR THEIR CLIENTS. WE HAVE NEVER USED THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE FOR SERVICE, AND WE DO NOT OWE THEM ANY MONEY FOR ATTORNEY FEES.

3. UNDER THE FAIR CREDIT REPORTING ACT, DEBTS OVER XXXX YEARS OLD ARE TIME BARRED, AND HAS A STATUTE OF LIMITATION, AND CAN NOT AFFECT ONE 'S CREDIT. ALSO, NO CREDITOR CAN USE THE SAME ASSUMED DEBT MORE THAN ONCE TO AFFECT A CONSUMER 'S CREDIT. WITH THAT BEING SAID, NO ONE WITHIN OUR HOME HAS TAKEN ANY LOANS FROM ANY BANKS WITHIN THE LAST 7 TO 10 YEARS, ESPECIALLY FROM A " XXXX XXXXXXXX XXXX '' WE DO NOT HAVE KNOWLEDGE OF ANY DEBTS OWED TO THE ATTORNEY 'S CLIENT, XXXX XXXX XXXX IF XXXX XXXX XXXX ASSUMES THERE IS A DEBT OWED, THEN WE CAN POSSIBLY BE VICTIMS OF IDENTITY THEFT.

4. SINCE WE BELIEVE SENDING MAIL TO OUR HOME HAS BEEN A MISTAKE, WE REQUIRE THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE, AND THEIR CLIENT, XXXX XXXX XXXX, TO CEASE AND DESIST WITH ALL ACTIONS TO AFFECT OUR CREDIT, CEASE AND DESIST WITH ANY ATTEMPT TO WITHDRAW FUNDS FROM OR FREEZE OUR BANK ACCOUNTS, CEASE AND DESIST WITH ANY LIENS, AND CEASE AND DESIST WITH ANY NEGATIVE AFFECTS ON OUR PRIVATE, PUBLIC, AND OR INTELLECTUAL PROPERTY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: TX

Complaint narrative:
This is regarding the open complaint # XXXX I got a letter in the mail from this consumer reporting agency. My letter I sent them was in English. So I expected my response to be in English. This is total disrespect, a stall static under 15 usc 1681, and improper communication skills.

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 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I applied for a XXXX XXXX XXXX for City Bank ( Costco XXXX ). After getting a denial letter Page 2 Paragraph 2 it says, " If you have any questions, Call at XXXX ... ..., '' I called said # and there was no way to talk to someone about the denial. I was forced to call a total of 4 times to finally get to someone to talk to. 2nd and 3rd call the rep for active accounts just kept sending me to the dead-end phone tree. After speaking with a rep which supposedly can be reached at a different # XXXX I have not had a reason to test to verify. I was told that Citi blanket denies all people with a bankruptcy on their XXXX credit report regardless of time since bankruptcy. He also admitted there is NO underwriter that can override a denial for any extenuating reasons. I believe this should be stated on their application for credit. I would never have applied and now I have a negative ding on my company 's credit score due to this blanket policy. It is to be noted My company has never filed bankruptcy and does not even have a single late payment. I personally had to file bankruptcy 7-8 years ago and since then i have built my credit to perfection with only one late payment in 7 years due to a technicality... I feel as though this is deceptive business practice. What is in it for them for me to apply if they're not even going to accept me anyways??? Now they can sell my information or do whatever they want, and I was NEVER going to get anything from them but a smaller credit score .... This needs to stop.

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 2022-02-08 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: LA

Complaint narrative:
I been contacting XXXX XXXX & TransUnion every since mad credit card company removed a mistake of a late payment keep calling all 3 and there not helping clear this situation at all waiting on it to clear to expand my business with business funding also my credit card company sent several notification to all 3 companies several times even to me and they are still giving me the run around I constantly call every single day neither company is not help with removing the negative remark

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 2022-02-08 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: LA

Complaint narrative:
I been contacting XXXX experian & XXXX every since mad credit card company removed a mistake of a late payment keep calling all XXXX and there not helping clear this situation at all waiting on it to clear to expand my business with business funding also my credit card company sent several notification to all XXXX companies several times even to me and they are still giving me the run around I constantly call every single day neither company is not help with removing the negative remark

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 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have used TD Bank for many years and have actually enjoyed their service. However, since the pandemic began TD has closed a large number of branch offices and does not have stand alone ATMs ( that I know of ). As a result, I now have to drive nearly 20 miles to access a TD Bank branch ATM of pay a {$3.00} fee. 

It would make sense if these ATM fees were eliminated as TD is saving a great deal closing all these branches.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX and XXXX XXXX, / 2021 I have received multi-text from XXXX XXXX and XXXX XXXX XXXX who is Wells Fargo clients. They have given me a death threat to myself, my kids, and my family. They have threatened me that if I don't give them money they will kill my kids and my family. Please someone help me and catch those scammers.

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 2022-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/2021, Neiman Marcus sold off their interest in their credit cards to Capital One and transferred all of my account information over to Capital One. At that time, they deactivated my credit card account and the " auto pay '' that I had set up with them. 

After Capital One took over, it took some time for me to realize where my payments had been swapped over to and they claimed I was 30 days past my bill date ( on what was a {$25.00} minimum payment ) to the new account. 

I have no way of knowing if this is correct or not, but I have had an account with Neiman Marcus for over 7 years and NEVER had a single missed or late payment. It wasn't until Capital One took over that the very first month they HIT MY CREDIT with a late flag. 

I would appreciate them allowing me a 1x courtesy of removing the late hit on my credit and restore my account/status to normal. I have already went into their new system and set up automatic payments and have set reminders on my calendar to " check '' and ensure a payment was processed for the month so this never happens again. I know this is something they don't have to do, but I've written several letters to them and I have had no responses from them in any capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
i received an email today that discover closed my account for failure to verify personal account information. 

theres an extortion attempt from discover to obtain my personal tax information for the IRS through a third party ( XXXX ) known for data breaches. 

discover restricted my account since XX/XX/2021. 

i made an attempt to resolve this issue by sending all the information they were trying to verify. 

discover was also served with a Notice of Billing error pursuant to 12 CFR 1026.13 they verified it was received in their office. in the aforementioned CFR no adverse action is allowed unless the dispute is resolved. 

sent via to discover registered agent The corporation trust companies vi certified mail tracking number : XXXX XXXX XXXX XXXX XXXX they were notified of a breach of agreement and noticed of adequate assurance of sue performance and asked to return a signed and notarized affidavit. 

discover was all notified verbally of a Cease and desist in XX/XX/2021. 

still the company decided to disregard the wishes of the consumer and Violate 12 CFR 1026.13 the information the are requesting according to their supervisors are. DOB, SSN, ADDRESS. which can all be verified directly with me by providing a copy of a drivers license and or via sworn affidavit. i offered these options however the extortion persisted this is my last attempt before legal action is necessary

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
There is a debt on my credit report that I do not recognize from XXXX originally and now from a debt collection company. I don't have an account open with XXXX or any vehicles listed under their insurance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Hi there, Sub : XXXX XXXX XXXX XXXX  XXXX causes trouble for my personal checking account. 

XXXX has been my bank account for many years. The recent merger and move of my accounts to XXXX XXXX  has been fraught with problems. For a start XXXX XXXX  has high charges for maintaining an account with them. 
I am trying to close the account. The related problems I face unable to close cause great mental duress. I am unable to contact any customer service personnel to speak or go to a branch, since they closed the branches near me. 

Their customer service help line is non existent. I spent more that 3 hours listening to music. I am anxious that they will keep charging me a maintenance fee for no service. 
Please assist me in closing this account. 
I will be glad to provide additional details as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: CA

Complaint narrative:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: CA

Complaint narrative:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SUNCOAST CREDIT UNION
State: AZ

Complaint narrative:
Since XX/XX/XXXX I miss me Suncoast CU Credit Card on my XXXX Credit Report. 
I disputed over the Internet with XXXX, without a result. 
I called since XX/XX/XXXX with XXXX and Suncoast CU back and forth. 
XXXX told me is Suncoast 's fault, Suncoast told me is XXXX 's fault. 
Friday XX/XX/XXXX I get a letter dated XX/XX/XXXX with an AUD # XXXX from Suncoast CU and they wrod me " All major Credit Bureaus have been updated. '' I called Tuesday XX/XX/XXXX XXXX because they send me a Report XXXX. XXXX I should call XXXX. They told me they don't get updated from Suncoast CU. 
Suncoast CU told me end XX/XX/XXXX that they reported the last time on XX/XX/XXXX. 
XXXX and XXXX XXXX have never lost my Suncoast CU Credit Card on their XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: CA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time

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 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
On XX/XX/XXXX ( est. ), Bank of the West opened a credit card account and sent me a Credit Card associated with this account. I had NEVER requested a new credit card as I have several other general credit cards, as well as a Bank of the West Debit Card and a XXXX XXXX XXXX ( at the time with over $ 1M ). 

Around the XX/XX/XXXX timeframe, I accidentally used the card at XXXX for {$5.00}. Subsequent to this, no bill was mailed or emailed to me. And none since. As well I didn't receive any phone call from Bank of the West concerning this account and the {$5.00} charge. 

After checking on my credit rating concerning a potential HELOC loan, I realized there was a {$94.00} outstanding charge. I then reached out to Bank of the West concerning this charge and account. I immediately paid the {$94.00} to Bank of the West and closed the account ( XX/XX/XXXX ). 

I immediately filed a complaint with Bank of the West asking for them to reverse the credit reporting incident since they are responsible for creating the account/situation. they have not yet responded to me in any form. 

As well, I filed a dispute with all three credit bureaus. Their response back to me indicated Bank of the West was not willing to change their representation of the outstanding account/issue. 

With over $ 1M in a XXXX XXXX and several {$0000.00} in our checking account, as well an over 45 year customer of Bank of the West, I would have hoped Bank of the West would have made more of an effort to contact me concerning this issue. 

finally, I find it very disturbing that a Bank can send a credit card ( without authorization ) to a customer, then report on non-payment without mail, email, or phone contact to their customer. This is misleading at best. Fraudulent in my view.

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