vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Card : XXXX ( store ) by Comenity Bank. 

On XXXX XX/XX/2020 I made my final payment of {$780.00}, my balance was effectively XXXX, then on XXXX XXXX I received an email stating that my payment of {$14.00} was due. This card is purported as having no fee, so disappointed I attempted on the XXXX in the morning at XXXX XXXX to contact them and have them explain the charge, the lady I spoke with, I believe XXXX, said it was a " finance charge for being late on my last payment '' which I was not. I asked her to remove the charge and she was not willing, so I asked her to close my account, she stated that she did. 

On XXXX XX/XX/2020 ( today ) I went back online to verify my account had been closed, it had not, and not only was it NOT closed but it had yet another {$14.00} balance that was due on the XXXX of XXXX, so I attempted to make a payment online to that amount and their system would not let me, it claimed I already had a pending payment for that amount, which I did not understand, I did not set that up. 

At this point I was becoming afraid that I had no power over what was going on, so I XXXX what to do and followed the advice of calling the number on the back of the card, using their automated voice menu system I directed the computer lady to close my account, which it confirmed that it had done, then it proceeded to ask me " Do you want a confirmation letter faxed to you? '' and I said no, I want it mailed to me, and the voice says " sorry I'm having trouble understanding you '' Their system will NOT send that confirmation letter by email or mail only a fax, I'm sorry, who has fax machines today? 

Bottom line, if they manage to get that other {$14.00} from me then they owe me {$29.00}. 

This type of treatment should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company has emailed me about this account that does not belong to me. I have asked them to REMOVE this off my credit report more than once. They sent me a credit card statement. I told them I don't recognize that. I have asked for something with my signature on it but they have failed to do so. I went to my local counts to file a suit but they told me I will have to file it where the company is registered at. I will do this once covid19 is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: GA

Complaint narrative:
i notice negative items from procollect inc on my credit report and has been disputing them over a couple of month with no reply asking for a alleged debt that i do not owe.I 've ask them for certain things concerning this complaint and hasn't gotten anything and i have attach a copy of my documents below.

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 2020-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC
State: LA

Complaint narrative:
I am a federally protected consumer and Flagship Credit Acceptance has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

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 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX has not erased or closed my bankruptcy.Ommy credit report even though I have offered proof. This is affecting my way of life. Today I was denied a car loan because of their incompetence. I worked hard to build my credit back I need something done ASAP.

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 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I tried linking my account to another financial institutions site and PNC blocked my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
i am writing about Franklin Collection services that i have been communicating with over the past couple of months with no reply and this is my second notice that i have sent them concerning this complaint on XX/XX/2020 and i am asking for your assistance in this matter of correcting the problem.i have attach the letter below of my letter that i have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
This company Franklin Collection is still reporting this collection account on my credit reports even though this debt was paid in full directly to XXXX XXXX XXXX. Firstly after filing a dispute with the credit bureaus, in XX/XX/XXXX of XX/XX/2020 Franklin Collection posted a debt of {$110.00} to my credit bureau reports 4 times in that one month. This amount was paid directly to XXXX XXXX XXXX and instead of it being removed from my credit, Franklin Collection updated the posting as a collection account, paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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:
Good Afternoon everyone ; listen, my credit report keeps showing that i have a debt with Midland MCM from XX/XX/2016. I believe this is an error because when i contested the debit with them and original creditor they mentioned that they have no record and they failed to provide me detail of the {$10000.00} alledged debt. It was removed and all the sudeen, i just refreshed me report and i found it again on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
i have a negative balance on my american express magnet card. The organization ( american express ) has a 3 ACH transfer limit on these negative balances and wants to send me a check. I do not have a forwarding address on my mailing address, and have left that residence due to the corona outbreak. I am socially distancing from my family ( older member ) on a sand bar called XXXX XXXX where mail is also not deliverable. This negative balance will be used to pay off other credit card debt from my personal business that collapsed due to the corona outbreak ( XXXX industry ). 
Can you please get them to send me my money back via Wire or ACH? 
I have already asked them to cooperate with this request, but they said we can send via check, or you can spend the negative balance ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: TX

Complaint narrative:
I am federally protected consumer and Equifax Information Services, XXXX, and XXXX has violated me under the provisions of 15 USC 1681. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To whom it may concern : I am trying to save my home and the lender is saying I have old history with XXXX XXXX XXXXXXXX, XXXX and Capital One. 

These accounts appear to be close the the 7 year mark. Upon looking at the accounts there are a few months left. I am hoping someone here can help me with a good will adjustment. 

Please I need these accounts removed. If it is possible for you to look into this and help me get these accounts deleted. There are 4 in total. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
I paid off an installment loan early which was the loan I used to buy my XXXX XXXX. I paid it off on XX/XX/20. The last statement I got was XX/XX/20. I asked four times for them to send me a statement for the last month and they will not do it. I do not have the amounts for how much went to principal and interest. Also they charged me a prepayment fee ( which they later reversed ). The loan had a prepayment penalty if I refinanced with another bank but I did not refinance. I do not have a statement after XX/XX/20 and the payoff was XX/XX/20. I believe I should have a statement for any month that had a transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXt, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: AL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. MY INFORMATION HAS BEEN COMPROMISED POSSIBLY DUE TO A SECURTIY BREACH WITH XXXX  DEPT OF CORRECTIONS. I NEED THESE ACCOUNTS RFEMOVED FROM MY CREDIT REPORT. YOU GUYS HAVE TO MAKE SURE THESE ACCOUNTS ARE ACCURATE BEFORE PLACING THEM ON SOMEONES CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I applied for an apartment and was not approved. Nowhere in the application did it state that the administration fee to hold the apartment was non-refundable. National Credit System along with XXXX XXXX XXXX even tried to justify the debt by claiming I had a contract with XXXX XXXX XXXX. My Sister lives at that property not me. I was denied when I applied. There is and was no contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I cant link my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am federally protected consumer and XXXX XXXXXXXX XXXX, XXXX, and TransUnion has violated me under the provisions of 15 USC 1681. Please review attached documentation.

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 2020-08-08 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: TX

Complaint narrative:
I am federally protected consumer and XXXX  XXXX XXXX, Experian, and XXXX has violated me under the provisions of 15 USC 1681. Please review attached documentation.

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 2020-08-08 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: ID

Complaint narrative:
TRANSUNION FILE # : XXXX So due to an active ID Theft alert on file, I can not upload supporting documentation in order to support my dispute for fraudulent activity and reporting on my file. 

Please see attached to have fraudulent collection account XXXX XXXX - {$1000.00} OPENED XX/XX/XXXX removed from file as well as inquiries that I did not authorize. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have attached my FTC Report to support this dispute.

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 2020-08-08 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian refuse to delete a collection that clearly cant verify that its my account this account was deleted from the other two bureaus because they failed to verify that its my account. I have reached out to the company personally no information was provided and they hung up the phone on me. This collection is stopping my process of purchasing my home. I need this inaccurate account deleted immediately. I have send documents pictures of screenshots deleted from other bureaus Im confused on why EXPERIAN wont delete this bogus account. XXXX XXXX XXXXXXXX is the name of the furnisher.

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