vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
On XX/XX/20 I requested documents regarding foreclosure Rushmore is listed on my consumer reports, I need this info they replied to my affidavit with a regular letter stating XXXX XXXX XXXX XXXX was the trustee misleading as they aren't on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine.These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$700.00} XXXX {$100.00} XXXX {$440.00} XXXX {$87.00} XXXX {$17000.00} XXXX {$9300.00}

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 2020-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX RE : SSN : XXXX To Whom It May Concern : This letter is regarding account a Collection, under my social security number : XXXX which you claim I owe {$400.00} on behalf of XXXX XXXX. This is a formal letter that your claim is disputed. 
More specifically, I am referencing the fact that you are reporting the following : No account number given. What account number are you referring? How did you arrive at amount owed? Furthermore, what date was the account closed? What date did this account go into default? What is the date of last activity? The above information pertaining to this account in inaccurate and highly damaging to my credit score. Please remove immediately. 
I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 
Page 2 of 2 My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am showing a 30 day late on my credit report in XX/XX/2018. I have never been late on this account, my account has always been set up on auto pay, if it was late it was not my error and I have always paid this account. Please remove my 30 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My complaint is against Comenity Bank and XXXX XXXX XXXX.I received a notification on my credit report asking if I had closed my XXXX XXXX credit card. The answer is no, I did not. Following this alert I called XXXX XXXX and then Comenity Bank, speaking to several people beginning with XXXX at the XXXX XXXX Headquarters, XXXX, a Senior Account specialist, Employee ID XXXX at Comenity Bank and then finally XXXX at Comenity Bank ext. XXXX that could not and have not answered the simple question of why they would close my account during the covid pandemic. After the credit alert, I received a letter dated XX/XX/2020 stating thank you for contacting Comenity Bank but that my credit card from XXXX XXXX was closed by the bank due to inactivity. As a loyal customer of XXXX XXXX organization, I find this unacceptable. Why would Comenity Bank and XXXX XXXX  choose to close my account during the time of the Covid pandemic when the stores were closed and I was unable to shop on site. I am a XXXX senior and do not shop on line due to my XXXX. As you can see, I have reached out several times to try to settle this issue to no avail. At the very least there should have been a letter of notification prior to this happening giving me the opportunity to use my card on line if necessary to keep the account open or close the account myself.Is there no protection from this type of action? I am very unhappy that this has happened because it is a blemish on my credit which is extremely important to me. I have asked that my card be reopened and was told that that is not possible and I could reapply. This is unconscionable for this to have happened during the Covid pandemic! I would appreciate your help in this matter. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/2020, my checking and savings accounts were closed with no prior notice. Some autopay transactions were denied so I attempted to log in to the Chase mobile app, however, I received a message saying my account was locked to protect it from suspicious activity. I immediately called Chase to find out what was happening. The phone agent told me that Chase has decided to end their relationship with me and closed my accounts. The phone agent refused to provide me with any reason for the actions taken and state that they did not have to provide me with a reason. The next day, XX/XX/2020, I contacted Chase again to inquire about receiving the balance of the accounts to transfer to a new bank. The phone agent said that they would send a check out in 10 business days. I explained to the phone agent that this was unacceptable as they had all of my money locked in this closed account and I would need to pay bills sooner than the check would arrive. I asked to speak with a supervisor and was transferred to one. The supervisor stated that they could not explain or provide any reason for the closing of the accounts and my only option was to wait for the check to arrive. I asked for a statement or a way to see what transactions were cleared and what would be denied. The supervisor said they can not provide any information about the accounts and I would receive a statement with the check. I explained to the supervisor how I was unable to cover my living expenses due to all my funds being locked I the accounts. They said they could make and exception and I could go to a branch near me to pick up a cashiers check for my remaining balance. I told the supervisor that the nearest branch is a few hours away and I would need to work that out. I then called back on XX/XX/XXXX to arrange the pickup of the check at the closest branch. The phone agents informed me that the previous supervisor I spoke to did not enter the information about picking up a check from a branch into the notes and that they would not be honoring that option. They stated my only option was to continue to wait for the check. It has now been a week since my account was closed and still have no access to my money or any explanation as to why the accounts were abruptly closed without notice. I now have bills that are becoming past due accumulating late fees and potential negative impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
On XX/XX/2020 I attempted to add funds to the XXXX XXXX, based in New York, and which operates in Washington State, my state of residency. PNC, my bank, denied me access to transfer funds to the XXXX XXXX via the XXXX service. The problem has not been resolved. These are my funds and I have the right to do with them as I wish in a legally compliant manner. I understand the need for security, but at a certain point, my bank should not be the arbiter of risk assessment for my funds. That responsibility lies with me and my money. 

The error I received from XXXX is that " PNC has made a change that prevents you from being able to link your accounts. '' This seems to be a common problem with PNC and third party apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: CBC Companies, Inc.
State: CA

Complaint narrative:
This " credit union '' Factual Data, XXXX, CO XXXX XXXX XXXX XXXX XXXX Has pulled three hard inquires on my credit report without my permission. I have not applied for anything for years. The dates were as follows XXXX, XXXX XXXX Then XX/XX/XXXX and again XXXX, XXXX XXXX. I have never heard of this place and never gave permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I was unable to link my PNC debit card to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: Navient Solutions, LLC.
State: CT

Complaint narrative:
XX/XX/2020 RE : Proof of Validating Account Social Security # : XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CT XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX XXXX # XXXX - {$5500.00} ; DEPT OF ED/NAVIENT # XXXX XXXXXXXXXX ; U S DEPT OF EDXXXX # XXXX - {$4200.00} ; U S DEPT OF EDXXXX # XXXX - {$1.00}, 521 ; U S DEPT OF EDXXXX # XXXX - {$50.00}, 321 ; U S DEPT OF EDXXXX # XXXX - {$26000.00} Attn : Fraud Department : I am writing to dispute the account referenced above. I have disputed the account information as Fraud/Identity Theft with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my Federal Trade Commissions Identity Theft Report and my Identity Theft Affidavit. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. I am asking the verification documents be sent to my above address. 
I am requesting that you block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
Hi I received an email from ACE Cash financial Group inc saying that if I didnt pay a certain amount they would take me to court. But I never applied for a loan from them. They have all of my information and say that I owe {$1000.00} and that if I dont work with them I would be taken To court. They first emailed me on XX/XX/2020 and have sent more emails saying how much to pay for them to keep me out of court. Again I am saying I never applied to get a loan with them. I did end up paying {$200.00} cuz I was scared but then realized I didnt recognize the company so anything you can do to help I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened an account on XX/XX/XXXX with suntrust bank and i deposites XXXX with a check that i recieved from the sale of my house from the title company after a seven to ten day hold of my funds i was able to make two transactions before my account was locked i have called repeatedly and even went to my local branch and they dont seem to have any answers for me i dont have access to my money or anything its been over a month and still no answer as to why this is happening to me now as of XX/XX/XXXX under my transaction details it says Legal Order Debit for XXXX and once again no answers to why this is happening or reason all i know is my money has been taken from me.

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 2020-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX RE : SSN : XXXX To Whom It May Concern : This letter is regarding account a Collection, under my social security number : XXXX which you claim I owe {$400.00} on behalf of Synchrony Bank. This is a formal letter that your claim is disputed. 
More specifically, I am referencing the fact that you are reporting the following : No account number given. What account number are you referring? How did you arrive at amount owed? Furthermore, what date was the account closed? What date did this account go into default? What is the date of last activity? The above information pertaining to this account in inaccurate and highly damaging to my credit score. Please remove immediately. 
I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 
Page 2 of 2 My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : 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 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a loyal Chase customer with not only banking, but multiple credit cards. I have always made my payments on time and have not asked for financial assistance during these COVID times. I also make bigger payments toward my balances at times to bring my available credit up to help my debit ratio. I am very disturbed to see my credit limits DECREASED after making on time payments on my accounts. I assume reason is that balances are too high compared to loan amounts and/or balance on bank cards are too high which is contradicting, as when I make payments, I am doing that to lower my balance and open my available credit to help my credit score. Now my decreasing my available credit, this is hurting me and doing exactly what you are lowering my score for. I am getting penalized for using my credit cards when needed, even though I make my payments. I will never win or get my score up If you are lowing my available credit. I have been a loyal customer with no late payments and continue to pay my cards, I am not a threat or risk of defaulting and do not deserve for my credit limits to be decreased especially when I am making payments to increased my credit score, not lower it which is what this will now do. I kindly ask Chase increased my credit limit back to what I was initially given and not penalize me for using my cards when I need to with the credit limits given initially. I do not feel this is right that they are lowing my credit limits due to balances being to high to credit limit, yet by lowing my limits, I am worse off now then I was prior to them lowing them for credit purposes. this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: NY

Complaint narrative:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the Equifax data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: CO

Complaint narrative:
I paid off my debt in XXXX of 2018. They are showing it still in collection. There is and has been a zero balance for over 2 years.

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 2020-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: LA

Complaint narrative:
Vance and Huffman LLC is reporting on my report in the amount of XXXX $ I believe. i have never received a dunning letter in regards to the debt or why they are on my report. I have never heard of this company nor have I ever done business with this company before. I would like to know why they are reporting on my report without first notifying me and to provide sufficient legal documentation in regards to this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I opened a new checking account with an advertised bonus of {$200.00} after {$500.00} direct deposit. I received a {$500.00} direct deposit on XX/XX/2020. To date, as of XX/XX/XXXX, I have not received the {$200.00} bonus.

Company response to consumer: Closed with explanation