vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I contacted this company about a debt from a " loan '' that they say I owe. I am a federally protected consumer and they have violated my consumer protection rights. Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ). They have violated several laws Truth in Lending & FDCPA. All of the laws that they are in violation of are listed in my attached letter. I demand that they XXXX  out the balance and remove all negative remarks to this account and also contact ALL of the consumer reporting agencies that they have this account reporting to and have them delete the account. I also never gave this company permission to send my information to any consumer reporting agency which is another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Paradigm Assets, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX after asking them multiple times for a proper debt validation they failed in all of them but they wanted to still pursue an invalidated debt so they decided to sue me without even giving me a proper servicing of a court summons claiming and lying to the court that they served me on XX/XX/XXXX which is a total lie because at this time I had already moved out of state I moved on XX/XX/XXXX I can prove this with XXXX mailing address change and/or paystubs.It looks like they just needed to serve someone before the 90 days would run out and they also wanted to pursue a default judgment in which they filed in court on XX/XX/XXXX asking the court for a default judgment to try and steal from me and garnish my wages without me even knowing about this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 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: NC

Complaint narrative:
Someone has applied for things in my name. I dont know who the person is. Please delete the inquires for XXXX XXXX XXXX XXXX and XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This company is reporting my account twice on my Equifax report. They have different balances and payment information. I have only ever had one account with this company. I submitted a dispute with Equifax but the company is saying that the information is correct. I sent a message to XXXX XXXX and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MCM CONTINUES TO REPORT A DEBT TO CREDIT REPORTING AGENCIES THAT HAS BEEN DISPUTED PER : Title IV of the Consumer Credit Protection Act. Section 401

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I HAVE TRIED NUMEROUS TIME TO DISPUTE THE VALIDITY OF THIS DEBT PER : Title IV of the Consumer Credit Protection Act. Section 401.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I HAVE TRIED TO DISPUTE THIS DEBT NUMEROUS TIMES PER : Title IV of the Consumer Credit Protection Act. Section 401.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCP Holdings, L.P.
State: TX

Complaint narrative:
I HAVE TRIED TO DISPUTE THIS DEBT NUMEROUS TIMES PER : Title IV of the Consumer Credit Protection Act. Section 401.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I HAVE TRIED NUMEROUS TIME TO DISPUTE THE VALIDITY OF THIS DEBT PER : Title IV of the Consumer Credit Protection Act. Section 401.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
DISPUTED THIS DEBT NUMEROUS TIMES PER : Title IV of the Consumer Credit Protection Act. Section 401.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: NC

Complaint narrative:
Contacted the bureaus multiple times and have been ignored. They have accounts reporting on my report that are identity theft. I also never gave them permission to furnish a report on my behalf. They are suppose to have written instructions from the consumer and they do not have that pursuant to 15 USC 1681b ( 2 ) Permissible Purposes of Consumer Report. Also they have violated other consumer rights. I have filled out a FTC and Identity Theft Affidavit and sent to them and they still have been ignoring my letters. I am demanding that they delete the accounts listed on my attatched letter and I am only giving them 4 business days to remove the items Pursuant to FCRA 605B ( 15 USC & 1681 c-2 ) which states that this information must be removed within four business days of receipt. Or I will be seeking remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I haven't had any access to these products at all. I was trying to get access to these accounts from the banks that I'm socially with but didn't make any transactions at all

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 2021-07-05 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: TX

Complaint narrative:
I HAVE FILED NUMEROUS DISPUTES WITH THE AGENCY CONCERNING THE VALIDITY OF DEBTS PER : Title IV of the Consumer Credit Protection XXXX. Section 401.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: TX

Complaint narrative:
I HAVE FILED NUMEROUS DISPUTES WITH THE AGENCY CONCERNING THE VALIDITY OF DEBTS PER : Title IV of the Consumer Credit Protection Act. Section 401.

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 2021-07-05 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: NC

Complaint narrative:
Contacted the bureaus multiple times and have been ignored. They have accounts reporting on my report that are identity theft. I also never gave them permission to furnish a report on my behalf. They are suppose to have written instructions from the consumer and they do not have that pursuant to 15 USC 1681b ( 2 ) Permissible Purposes of Consumer Report. Also they have violated other consumer rights. I have filled out a FTC and Identity Theft Affidavit and sent to them and they still have been ignoring my letters. I am demanding that they delete the accounts listed on my attatched letter and I am only giving them 4 business days to remove the items Pursuant to FCRA 605B ( 15 USC & 1681 c-2 ) which states that this information must be removed within four business days of receipt. Or I will be seeking remedy.

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 2021-07-05 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Bank of America closed account Attention : XXXX XXXX Bank of America General Global Counsel. 
XXXX This horrible bank will not take my calls, ignores my request and when I log in states of you having problems making payments we are here for you and the statements which are complete banking violations and false! This is the one of many complaints Ive made. I was threatened if I went into a bank I would be arrested! I am not allowed to call Bank of America and no one will take my calls. Do I XXXX to go to an Attorney who took Bank of America to court or arbitration and take my case Pro bono. This is illegal to threaten me and not assist! This account t was closed by BOA and still charging me excessive fees and interest and asked to have zero interest and make smaller payments. I paid and kept the payments on time and have the nerve to charge {$36.00} late fee for one day late. Have another persons bank account on my profile. I reported as fraud to the State Attorney General and OCC since its a broker account that is not mine! I have asked so many time with proof in emails and ignored. I am dealing with incompetence and they simply keep closing out my complaints stating duplicate. This and my other complaints will go to an Attorney after this and this behavior and banking violations will not be tolerated. I am not an animal and will not be treated as such as this seems to be a personal vendetta against me. If you want to take this to legal please have XXXX XXXX reach out to me to proceed. If you think you can ignore and I am going away. I am not and will go every high official because I have done nothing wrong XXXX The worst kind of people at BOA and tired of being threatened! Not to contact your bank. Will not speak to me on the phone for assistance Law suit! For damages and mental stress, intimidation along with violating my rights a day banking laws. I have an unpaid balance which I am trying to pay properly and asking for assistance and stop violating my rights! When I called in prior my account was blocked and the games customer service played. All my calls were recorded with many emails to show my complaints. Horrible bank and very abusive.

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 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Submitted dispute to Equifax more than 60 days ago and have not received an update. 
1.XXXXl XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX  XXXX 4.XXXX XXXX XXXX 5.XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8.XXXX XXXX XXXX 9.XXXX XXXX XXXX 10.XXXX XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: ID

Complaint narrative:
I received an account suspension email from chime on XX/XX/XXXX and was told to provide certain documentation so a resolution can be reached - I even called a rep to verify that this was all I needed to do, and he confirmed in the affirmative that I'd need to send that information to XXXX. I promptly provided the requested information and documents within the same hour. 
The next day, the XXXX of XXXX, I received an email from chime requesting the same information I already sent in. I went ahead and resent the documents and information, with all new attachments, and to my surprise I got a response asking me to resend the exact same information. I did and this pattern repeated at least five times. In my final email to chime, I told them I was tired of this back and forth and to go ahead and close my account and issue me a refund. Chime promptly notified me of my account closure within 5 minutes of emailing and also mentioned that I wouldn't be getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo with whom I called when I received an alert from Experian on XX/XX/2021. The application number is XXXX and simply called and stated I did not try to obtain a credit card from Wells Fargo and this happened on XX/XX/2021. I spent hours speaking with one person after another and assured me the inquiries will be removed. 120 days later the inquiry is still there. 

the executive office never called me and simply sent a no reply email. I have given ample time and simply want the inquiries removed. I did not apply for a credit card and reported this to wells immediately. They seem not to take this to seriously!

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 2021-07-05 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: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: CITIBANK, N.A.
State: NY

Complaint narrative:
knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-05 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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