vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am at high risk for COVID-19 for health reasons so I can not go to court but I was sent a summary judgement. I believe in justice and the way I am being treated is not justice. The Plaintiff will automatically win because I am following NC Governor XXXX for individuals in the high at risk population and not vaccinated order to not be in large areas for exposure especially at the XXXX courthouse where there have been many COVID-19 outbreaks from their exposures inside and I put side the courthouse. This stronghold and unfairness treatment for me and my well being is suspect at best. I am being set up to fail and not be heard. I do not have a job which is why I am behind on bills. I do not have a residence but live with a friend. I have no possessions. I told the creditors lawyers this but XXXX XXXX  XXXX has made it a mission to harass me and go around the law to win their motions. I need this summary hearing postponed. XXXX XXXX XXXX File no : XXXX XXXX XXXX XXXX A XXXX, NC 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 2021-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I faxed a debt validation request to LVNV Funding LLC via fax on XX/XX/2021 and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX of 2021 I filed a CFPB complaint against XXXX, TransUnion, and XXXX regarding the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with a representative from XXXX, TransUnion, and XXXX and they told me that the following accounts are " verified '' even though they did not hear from the creditors directly regarding their investigation. So basically, the account was just updated, but I still see the same errors. I have requested validation from these creditors directly ( which I have attached the certified mail receipts and included the certified mail tracking numbers ) and they never furnished any proof of debt such as a signed contract bearing my signature. From my understanding, a bill is not a validation so they have basically ignored my requests.

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 2021-05-21 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
My husband has a credit card attached to my account, I am the primary carholder. 
On XX/XX/XXXX - his credit card was charged, without authorization, XXXX {$9.00} - XXXX XXXX XXXX WY - the amount was small and we didn't notice the fraudulent charge. 
On XX/XX/XXXX - his credit card was charged XXXX {$9900.00}, without authorization - GET MEMBER ACCESS XXXX - XXXX. 
We tried to call the telephone listed which just takes us to an answering machine. 
We contact the credit card and filled a complain about the XXXX {$9900.00} unauthorized charged, they refund us but in the last month statement I notice that they charged us again the amount. 
I called the Credid Card company - Barclay - telling them that both charges are fraudulent but they don't want to refund us the money. 
I had to cancel both credit cards that I have since XXXX. I use that credit card a lot and always made full payment on 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 explanation
Consumer complaint received 2021-05-21 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 complaint is to addend the complaints that was filed on XX/XX/20 # XXXX and # XXXX. Based on the credit report that we just received from XXXX. We discovered the WRONG SSN/NAME/DOB ( it is my brother XXXX XXXX XXXX ) was used from the Equifax data ( page 23 ). There are 30 mistakes total ( with red X ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Nissan Motor Acceptance Corporation on XX/XX/2020. A consumer transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Nissan Motor Acceptance Corporation made me pay for insurance seperately. Nissan Motor Acceptance Corporation is in violation of 15 USC 6802. Nissan Motor Acceptance Corporation did not disclose to me or make it aware of my right to opt out. Nissan Motor Acceptance Corporation is also in violation of 15 USC 1635. Nissan Motor Acceptance Corporation was supposed to disclose to me the right of recision, I was not notified of this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: SC

Complaint narrative:
I started a mortgage application XX/XX/2021 and was preapproved. Upon receipt of the title work XX/XX/2021, I noticed there was a judgment from LVNV Funding LLC against me. I want to payoff this judgment through the mortgage loan. I first contacted LVNV Funding LLC for the payoff at XXXX. They advised me that the account is now being serviced by XXXX XXXX XXXX and to call phone number XXXX. I have contacted XXXX XXXX  XXXX over 10 times trying to get the payoff. The RE attorney I chose for closing my loan has reached out several times as well via email and phone. My loan officer has also reached out several times as well via phone and email. It is now XX/XX/2021 and I still do not have a payoff. Whenever any of us call, they state that are reviewing the file or updating the file and will contact me once it is ready. When I call the LVNV Funding they say they can not do anything but refer it to XXXX XXXX XXXX who is now handling the account. When I call XXXX XXXX XXXX they continuously advise me, the loan officer and my Real estate attorney that they are working on it. It has been over 27 days and they still can not give me the payoff on this judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: CA

Complaint narrative:
XX/XX/2021 I filed disputes with the all 3 bureaus and now it almost two months later and NOTHING!!!!! ... The disputes were for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. WHy is this taking so long to fix their mistake in reporting. I know they are supposed to send me response within 30 days and it been way over 30 days. I want this fix

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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I want to place a credit freeze with equifax for my son who is a minor ( born XX/XX/XXXX ). In XX/XX/XXXX I sent in the required documentation to equifax, who only allowed me to do this by mail. I didn't receive confirmation of the freeze. Of note, at the same time I did the same process with XXXX and XXXX and received confirmation of freeze via mail from those two other credit agencies. 
On XX/XX/XXXX I went on the Equifax website to follow up and see why I had not received confirmation of the credit freeze. There was no way to get help with this online, so I called. I spent 15 minutes on the phone going through prompts, then got an automated message listing what documents needed to be mailed in, and was disconnected. I immediately called back, asked repeatedly to speak to an agent, spent another 15 minutes on the phone going through security confirmation prompts, and then was finally connected to an agent. I told him what the problem was and he asked for my son 's social security number for verification. I gave it to him and he said he would put me on hold and check, but instead hung up. On XX/XX/I again called, 20 minutes on the phone. The agent and supervisor I spoke to said they had no way of helping me or checking on the status of my request via phone ( this time did not even ask for social security number ) and all I could do was mail in the documentation again. I find this unacceptable as I already submitted this documentation by mail exactly as instructed, and do not want to go through the process of doing all of this again without knowing why my original request was not processed. If my mail did not reach their office, then someone potentially stole an envelope including sensitive information like my son 's social security number and birth certificate. They were completely unwilling to look into this or discuss this. The supervisor said that he was not in the department that handled this, and that the department that handles credit freezes for minors does not talk to anyone over the phone. 
I told the supervisor I would file a formal complaint due to their refusal to help me over the phone and excessive amount of time I had to spend on this. They are legally required to allow me to place a credit freeze and are making this unreasonably difficult. I have spent approximately 2 hours at this point trying to place the freeze. If they would allow online submission of the documentation I would have been able to do all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
SECURITY FREEZE FOR MINOR In XX/XX/2021, I submitted all documentation required by Equifax in order to place a security freeze on my minor childs account. I received back a letter dated XX/XX/2021 stating that I failed to submit my government issued ID and an item to validate my address. Contrary to the statements in the letter, I submitted my drivers license and XX/XX/2021 utility bill. Additionally, the letter contained the WRONG street number for my sons and my address. I called the number listed in the letter to correct these issues and to discuss an easier, quicker, and more secure way to resubmit documents. 

First, let me point out that it is ridiculous that all three of the nationwide CRAs only allow for submitting this VERY sensitive information via mail in order to place a security freeze for a minor. 

Second, the number listed on the letter was wholly unhelpful, as it did not lead to a person able to assist me since the child is a minor and does not yet have a credit file. I was subsequently given three different numbers to call. 

After chasing my own tail trying to get some answers, I finally spoke to someone who could at least look at the scanned documents that I submitted. He informed me that I submitted an unreadable copy of my drivers license. Incorrect. I made three copies of my drivers license and went them to all three nationwide CRAs. XXXX placed the security freeze based on what I sent, so I submit that Equifax has inadequate scanners and processes for verifying drivers licenses. The gentleman I spoke to also stated that he had no record of my utility bill. Equifax LOST my data. The gentleman I spoke to had no explanation for how my sons address got added to the XX/XX/2021, letter incorrectly, as it was apparently already correct in Equifaxs system. 

This situation is a blatant demonstration of irresponsibility with consumer data. It is also not a meaningful process by which to place a security freeze for a protected consumer, which is a federally required process. I submitted a complaint to Equifax through the gentleman I spoke to, but based on the lack of care demonstrated by Equifax thus far, I hold no confidence that I will hear back or receive resolution from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
As an XXXX for XXXX XXXX XXXX XXXX, I applied for a Spark-branded business credit card with CapitalOne today Friday XX/XX/2021, using the Tax-ID number belonging to XXXX. During the application process I was asked for my personal legal name and social security number underneath a note on the application that read that my personal information would only be used to identify the applicant. 

Moments later, the application was declined and I received a notice the CapitalOne had used both my personal XXXX and XXXX  reports in a hard inquiry which affects my personal credit score. 

I called the reporting agencies to dispute this and they told me I needed to speak to CapitalOne. I called CapitalOne who refused to acknowledge that they fraudulently advertise that personal information will only be used for identification during application for a legal business entity. They simply stonewalled me with the position that personal information is used for business credit, but their application makes no mention of this. I am trying to repair my personal credit post-Covid and would never have applied for this card under full disclosure by CapitalOne. XXXX has a good ( B-grade ) credit rating all on its own and as its own legal entity does not need its rights violated by being discriminated against based on the applying XXXX 's personal credit history. 

I wish to petition the CFPB to instruct CapitalOne to remove the hard inquiries from my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
On or around XX/XX/2021 someone impersonated me and hacked my phone, email and transferred money online to my Bitcoin investments and then withdrawn it all!!!! They somehow done a SIM card swap and then used my Coinbase wallet to transfer all my money out of my business account to bitcoins then withdrawn all my bitcoins or transferred them somewhere else with no trace??? 
I contacted XXXX XXXX XXXX XXXX and Coinbase.com and nobody knows anything or how to recover my stolen money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: American Student Assistance
State: FL

Complaint narrative:
I filed for XXXX discharge as well as borrower defense with dept of Education. On my credit report they have my student loan derogatory for {$11000.00} {$6800.00}

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 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I wrote a settement letter cerfied with return receipt and it was received and sign by someone from their office. I havent receive no phone calls are respond to settle the account with Portfolio Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21 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: CA

Complaint narrative:
XX/XX/2021 I filed disputes with the all 3 bureaus and now it almost two months later and NOTHING!!!!! ... The disputes were for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. WHy is this taking so long to fix their mistake in reporting. I know they are supposed to send me response within 30 days and it been way over 30 days. I want this fix

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 2021-05-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2021 I filed disputes with the all 3 bureaus and now it almost two months later and NOTHING!!!!! ... The disputes were for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. WHy is this taking so long to fix their mistake in reporting. I know they are supposed to send me response within 30 days and it been way over 30 days. I want this fix

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2021. I was scammed on XXXX. I saw a post with an investment opportunity and went for a it. A close friend of mine had posted it, so I was sure that it was okay to trust. I contacted the company and was immediately instructed on how to get started. They asked me if I could put a {$1000.00} deposit down to hold my spot, so I transferred funds from my savings to my checking account and sent it. I then received a call back stating that they were going to red flag my account because I lied about sending them the money! They physically called me to say this. I XXXX the money and theyd help me invest it into bitcoin is what the ad also said. They seemed nice and promising, I thought nothing of it. They asked me to resend it, so I transferred another {$1000.00} to them but this time to a different contact as instructed. These transactions were completed via XXXX. I then reached out to my friend to let them know what I have done, only to be told by another friend that it was a scam. I immediately contacted my bank to report it and was told that because the transactions were pending, there was nothing that they could do and that I should wait the following day. On XXXX XXXX, I went to PNC back to file a dispute and on XXXX XXXX I was informed that my claim was denied because my bank does not protect consumers against 3rd parties like XXXX ( which I had used ). I asked the bank to escalate my dispute and received a call XXXX XXXX only to be told again that my claim is denied and that they ( PNC XXXX does not protect consumers against 3rd party transactions and to only send money to people you know. I explained that I am am very intelligent, do not insult my character, I WAS SCAMMED! They said sorry and hung up. Ive been blocked from using the mobile app, online banking, XXXX and more. I was scammed and they treated me like the criminal.

Company response to consumer: Closed with explanation