vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-21 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: SC

Complaint narrative:
I had a credit card with the original creditor, XXXX XXXX XXXX, and enjoyed their services for over 3 years. Around XX/XX/XXXX, there was almost {$1000.00} in fraudulent charges made on my card in just a few days. My balance went from around {$600.00} to {$1600.00}. At the same time, XXXX XXXX had a separate credit card opened in my name that I never knew about. It was opened, maxed out and closed without ever making a payment. When I reached out to XXXX XXXX to resolve the issues, they refused to remove the charges and the additional credit card from my account. I wanted to continue using my credit card and their services but wanted the fraudulent charges and credit card removed. After going back and forth with XXXX XXXX for several months, they closed my account and reported it on my credit. I disputed the charges in writing with all 3 major credit bureaus at the time, around XX/XX/XXXX, as well as submitting online disputes. My disputes were ignored in favor of the creditor. The debt was sold to Midland Funding who promptly began contacting me and hitting my credit almost every month with late payments. I tried repeatedly to explain what happened and let them know that I wanted it resolved. I was served with court papers around XX/XX/XXXXXX/XX/XXXX from Midland Funding. After they lost the court case for failure to appear, I contacted the attorney 's office representing Midland Funding who said my case was no longer on their desk and is solely with Midland funding. I contacted Midland to try and have the debt removed and finally resolved since it had already been to court. But they refused to remove the debt and continued to harass me for payment. They are continuing to negatively impact my credit every month and this has been going on for 3 years. I have 4 negative accounts on my credit all from one creditor, from one bank in my life. I have 2 negative accounts from XXXX XXXX and two negative accounts from Midland and XXXX XXXX all for the same account. It should be illegal for collection agencies and shady creditors to financially ruin you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Made payment electronically XX/XX/19 and it said would take 2 days to post. Showed posted XX/XX/19 and taken out of bank account. In the amount of {$9200.00}. On XX/XX/19 used the card and declined. Called the company and was told payment was on hold. We have had the card 3 months and payments have never been held. The decline could have cost me a client. They said they could place hold on our funds of payment at anytime. They have never placed a hold on our payment made by check. What if we was out of country and relied on this card? Its a Sapphire card and you have to have a certain rating to even get the card. The complaint department could care less. They are a big institution and can do whatever they want. They held my money up from me using it for 7 days. It was given to them from my bank, but they would not let me have my money, it was not a check to clear. This is a bad Chase Bank experience. I would recommend no matter how good the perks look, walk away. They lied saying it would take 2 days for payment to post, very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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 — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.

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 2019-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report..XXXX XXXX XXXXXXXX, XXXX XXXX   XXXXXXXX, XXXX/XXXX XXXXXXXX, XXXX  XXXX   XXXXXXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX   ) XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX , XXXX XXXX XXXX ( Original Creditor : 10 XXXX ) XXXXXXXX , XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX, XXXX/XXXX XXXXXXXX, XXXX XXXX/XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX/XXXX XXXXXXXX , XXXX/XXXX   XXXX-XXXXXXXX

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 2019-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
RE : Revocation of authorization for debits Company : Balance Credit To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company.. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : Send a mailing address so payments can be mailed. _ This revocation applies to any and all future debits. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied for a Care Credit card to help pay for my XXXX procedure but I was denied. I noticed that when I received my denial letter it stated that I had a XXXX credit score which is false and I also noticed that it pulled a hard credit inquiry.

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 2019-06-21 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Email notification of payment due reflected amount lower than the full amount actually due. I found this very misleading. If I hadnt double checked statement online, I may have initiated underpayment leading to interest charges. Actual due is {$290.00} Chase credit. 
Received today on XX/XX/19 : Your credit card payment is due soon Account ending in : XXXX Due date : XX/XX/2019 Minimum payment due : {$25.00} Statement balance as of XX/XX/2019 : {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES
State: OK

Complaint narrative:
In process of closing on home. Contacted XXXX because they are the only credit bureau that is reporting my student loan that has been paid off back on my credit file after was already removed and reflecting never late paid in full balance is now XXXX. they directed me to their website which doesn't allow you to open new investigation. Please help time is of essence. I am currently in process of closing on a property and my score dropped and now my debt to income ratio is 10 times higher.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I went with my son to XXXX XXXX so he could buy himself a vehicle. My sons credit was keeping him from making the purchase. The salesmen told me that if I cosigned the loan it might have a chance of going through. I did and it was approved. My understanding is that I am not responsible for this loan UNLESS my son defaults on the loan. This loan turned up on my credit report as mine. They also listed my sons employer as my employer. I have been retired since 2014 and never worked where my son works. I have disputed this on XXXX XXXX  twice and both times they said it was mine and is staying on my report. This is my third attempt to correct this error.

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 2019-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Last month I called Santander Bank to notify them I was selling my cooperative and my lawyer needed the Stock Certificate and Proprietary lease. The person I speak with on the phone ( a " supervisor named XXXX from Rhode Island ) said she had the document sin the system. I told her the closing was XXXX/XXXX/219 and she told me she put in XXXX/XXXX/2019 for wiggle room so I would receive the documents. I called the next day, spoke to them same person who confirmed everything was all set. My lawyer wanted to speak to the bank representative to ensure the documents are sent to him. He called a couple of days latter, conferenced me in and this supervisor said documents could not be released until the loan is in full. My lawyer and I question such a practice and usually the buyer has a check for the bank at closing. This person ( forgot the name as initially she would not give a name and then when someone in the background told her to make up a name, she XXXX one out ) insisted the HELOC must be paid in full before the transfer documents could be released. The next day I scoured over the contract and could not find where it said the loan must be paid in full before the property could be sold. I does not make sense for a mortgage. I again called Santander and spoke with a supervisor name " XXXX ''. I asked him about the clause about paying in full before I could sell my home and asked him t show me where in the contract this clause is. he had me on hold for 10 minutes, and then said he would call me back. He never did. I Saturday XX/XX/XXXX, I went into the XXXX branch to pay off the HELOC. I was told they do not take payoffs of loans on Saturday 's, only on business days. Due to my work schedule, I could not get to the bank until Friday XX/XX/XXXX. I paid off the loan and asked how long before I get my documents. I was told it takes 3 business days and then the request goes to the back office. The XXXX branch now says they have done everything, and can no longer assist. I called Santander today about my documents. I was told that because I paid with a check and not a cashiers check, I must wait 8 business days before they start processing the release of the documents. Why wasn't I told that when I went into the bank on XXXX XXXXI would have gotten a cashiers check. I was assured it was a 3 day wait. I may lose the sale of my home because of Santander. Where are my Stock certificate and Proprietary lease? I demand that Santander release them asap and over night them to me. My loan is paid off, the checks have cleared. Either Santander lost my documents and is stalling to make excuses and or they have poorly trained people who contradict each other.

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 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In process of closing on home. Contacted TransUnion because they are the only credit bureau that is reporting my student loan that has been paid off back on my credit file after was already removed and reflecting never late paid in full balance is now XXXX they directed me to their website which doesn't allow you to open new investigation. Please help time is of essence. I am currently in process of closing on a property and my score dropped and now my debt to income ratio is 10 times higher.

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 2019-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
Hello, on or about XX/XX/2019 I was contacted by bonneville collections of Utah. They had called and asked for me at work. It was roughly XXXX. During our conversation the collection agent repeatedly told me that quote I was not being a man, that I wasnt a good father, take care of this or else. That I was being a deadbeat dad. In a few different ways. I take this verbage as abusive language. My bosses secretary was standing right next to me as she was the one who handed me the work phone and couldnt believe that she had spoke to me that way. Again I believe most of not all people would consider this to fall under harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Despite four written requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the unverified item still remain on my credit report in violation of Federal Law. This company is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Company have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a )  ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore this company have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
# XXXX {$310.00}. I am attaching the paper trail with Certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
Despite several written requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the unverified item still remain on my credit report in violation of Federal Law. This company is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Company have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore this company have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
# XXXX {$420.00}. I am attaching the paper trail with Certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report.. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX   XXXX/XXXX  XXXX, XXXX XXXX   XXXX, XXXX/XXXX   XXXX, XXXX XXXX, XXXX/XXXX   XXXX, XXXX/XXXX 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 2019-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
The below complaint was marked as a duplicate when it in fact is not, CCS ( XXXX XXXX XXXX ), requested more time to respond to this complaint in XXXX, on or around the XXXX, marked it as a duplicate today, XX/XX/XXXX. This complaint pertains to XXXX XXXX adding on additional amounts to my auto policy from prior policies which I believe CCS bought from them.. XXXX XXXX is still attempting to collect on these debts despite being invalid and sold off.. 

XXXX XXXX claims I owe them for past policies which were supposed to be canceled as per my request before additional coverage, resulting in a balance owed. It appears my request was not honored at the time and or canceled later for whatever reason, non-payment, etc.. A balance was generated as a result of this and XXXX XXXX sold the items, four in total, to CCS . I was contact by CCS for payment on each policy, the above info was explained each time and CCS stopped collection efforts. XXXX XXXX has added on the amounts in question to my current policy, please see info below ... XX/XX/XXXX Cash Transferred To/From Policy {$1000.00} XX/XX/XXXX Cash Transferred To/From Policy {$2800.00} XX/XX/XXXX Transferred Balance from Prior Period {$2200.00} XX/XX/XXXX Transferred Balance from Prior Period {$380.00} I do not have the policy numbers available to me. It appears XXXX XXXX is attempting to collect on old, invalid, charged off debts. In a prior complaint, I requested CCS to confirm this information, if they in fact purchased these debts from XXXX XXXX or not. My request was ignored, they addressed another issue in that complaint but did not confirm or deny if they had purchased these debts from XXXX XXXX. I need this information to forward on to an attorney for an investigation, XXXX XXXX is attempting to collect on old, invalid, charged off debts. Secondly, they claim CCS is their in house collections Dept when CCS is not located at the same address and does not have the same number as XXXX XXXX. I believe they claimed this so as to hide the fact they sold the above mentioned policies to CCS.. I need CCS to confirm whether or not they are in house collections for Liberty Mutual, I do not believe they are as CCS handles accounts for other insurance companies such as Progressive as well

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I live at my current and only address XXXX XXXX XXXX XXXX XXXX GA XXXX. I am trying to purchase a motor vehicle and yes I was denied do to false and inaccurate information on my credit file. The are various names on my report that are not my name XXXX XXXX XXXX is the only correct listing of my name please delete any other variation of my name spelling. My phone number XXXX please remove any other phone number. 
The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX   XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX   XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX OH XXXX I just finish getting rid of fraudulent accounts and wrong information from my credit report with the help of my attorney I do not wish to go through that experience again. 
I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!! I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!!

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