vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Without notice, and a perfect payment record, Synchrony bank closed all the accounts that were in good standing. Including Paypal Credit, XXXX  Mastercard, Amazon Prime, HSN, Old Navy. I have never missed a payment, worked hard to make more than the minimum payments, and kept the balances low. My bank can provide proff of on time and ample payments. I have increased my use of the cards in the past 6 weeks, due to needing things for a new home, but never exceeded my limit, and again, I made on time, more than minumum payments. I tried to question Synchrony, and they had no answer. 

Its a shame that hard working credit worthy people who work hard to pay their bills, get treated this way.

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 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2021-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: IN

Complaint narrative:
Company not giving specific reasons why check cashing was declined. Never had an issue before and now theyre giving an inaccurate reason that doesnt apply to 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 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There was fraud activity occurring on my Chase account, where two unauthorized withdrawal transactions occurred on XX/XX/XXXX for {$300.00} and one on XX/XX/XXXX for {$4500.00}. Both transactions occurred at the Branch in person. I was not aware of this until XX/XX/XXXX of the activity and promptly reported it to the branch, where they cancelled and reissued me a new account. During this time I also discovered that they ( frauders ) changed my address to a new address ( not my own ). They made me aware of this and I corrected all the information. They explained to me that a check will be mailed to my address and that it may take a few weeks. I received a letter from Chase on XX/XX/XXXX explaining the situation and that I would be receiving a check for the {$4800.00}. Weeks went by and I never received a check or information regarding this check. On XX/XX/XXXX I arrived at Chase to inquire about the check. Chase informed me that the check was mailed and cashed in at XXXX  XXXX XXXX, I have never received the check and they made me aware that it was sent to my old address from 10 years prior. The check was also signed by my late husband, who passed away in XXXX. I once again reported fraud and submitted paperwork on XX/XX/XXXX. I have called numerous times in regards to updates and information but have received no updates on the status of my claim. They have continuously said they have a process of 60-90 days but have given us conflicting dates of when paperwork was received. The initial call was done in XXXX and we were told to call back in XXXX, we called in XXXX and they informed us they had no information or updates and that they actually received paperwork in XXXX. They have continuously given us different information each time we call and they have no new information to give.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TX

Complaint narrative:
ATTENTION TO I.Q. DATA INTERNATIONAL ( XXXX XXXX XXXX  XXXX  ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$420.00} does not belong to me. This account was fraudulently opened through this company I.Q. DATA INTERNATIONAL ( XXXX XXXX XXXX XXXX ) in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 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: IL

Complaint narrative:
Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the bureaus and still have yet to receive any response. 

Initial dispute XX/XX/2021 30 day demand XX/XX/2021

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 2021-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
( MERCHANTS CREDIT GUIDE COMPANY XXXX add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency ( MERCHANTS CREDIT GUIDE COMPANY ) did not verify this collection. Also there was no written form of contract or signature to ( MERCHANTS CREDIT GUIDE COMPANY ) for this account debt at all. According to the FCRA and HIPPA, ( MERCHANTS CREDIT GUIDE COMPANY ) has violated my HIPPA rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ATTENTION TO XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$420.00} does not belong to me. This account was fraudulently opened through this company XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX ) in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TN

Complaint narrative:
I had numerous inaccurate names and addresses on my Experian credit report. I had 2 collection reports on my profile from the same company XXXX XXXX XXXX ( XXXX ). 
XXXX XXXX XXXX  and XXXX XXXX XXXX never sent me validation of debt under Fair Debt Collection Practices Act. XXXX XXXX XXXX did a hard inquiry without my permission.

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 2021-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Convergent is calling my home, cell phone and work phone many times a day. Sometimes over fifty times daily. The debt is over a decade old and is beyond the statute of limitations. They are threatening my family. I was told they will send the boys from XXXX if I do not send them money.

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 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Before the pandemic XXXX XXXX and Portfolio Recovery contacted me via phone and email threaten to take me to court for a lawsuit. I was getting harassing phone calls daily in the month of XXXX until end of XXXX. In the middle of XX/XX/2020 that is when they send me a court order to attend a lawsuit hearing. They threaten to send me to jail if I did not come to an agreement with them. I was shaken and frighten to be jail for something I know nothing about. The lawsuit cause my XXXX XXXX to go up and my health to decline with stress over the covid-19 and now lawsuits. I have attempted to contact them and was not successful. I left them detail messages and no one returned any of my calls. 

They stated that I owe them two amounts {$1000.00} and {$1100.00} ( XXXX XXXX ). 
Sometime last year I heard of XXXX breach as well as XXXX  breach. I am asking you to please help me put an end to the harassments from XXXX as well as Portfolio Recovery who stated that I owe them {$670.00}. This will mean so much to me and my health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
ATTENTION TO LVNV FUNDING LLC ( 12 XXXX  XXXX XXXX XXXX  ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company LVNV FUNDING LLC ( XXXX XXXX  XXXX XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal CR Union at XXXXXXXX XXXX XXXXXXXX XXXX Va, XXXX has been sending me collection notices in the amount of {$500.00}. The collection has been reported as a past due balance. I have also sent dispute letters and 609 letters over 60 days ago and has still not gotten a response. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Collection Management Services, Inc.
State: TN

Complaint narrative:
XX/XX/2021 I had numerous inaccurate names and addresses on my report. I sent certified letter to collection company XXXX. I never received my documents requested. This is a direct violation of the Fair Debt Credit Reporting agency 15 usc 1692g section 809 ( b ). I want this collection deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and in the summer of XXXX I applied for a business grant with the Small Business Administration ( SBA ), but I made a serious mistake because I did not make sure to study the information on this application well, so I applied for a program, where people already have a business and need help, but it turns out that I do not have a business, I applied with the information of my home address, my personal social security number and ID, so the loan that SBA gave me ( {$7500.00} ) was placed in my personal account, but I have not used that money, since I have not been able to do any business and I want to return these funds to the SBA. 

My bank, which is CHASE, closed my account on XX/XX/XXXX XXXX, which is fair and very correct, but they kept the money of loan all these months, I have called and had two appointments for that, plus my phone calls to both Chase and SBA , but even today, XX/XX/XXXX, I can't get this money back to the SBA XXXX in a call to SBA customer service, the representative who attended me informed the money has not been returned to SBA and according to them, Chase knows how to do this process of refunding the money. 

In the meantime, I am paying the interest on this debt, so that it does not accumulate and I am very worried because on XX/XX/XXXX, this debt must begin to be paid, so what will be happen if the money continues to be held in Chase Bank. 

My application number with XXXX is XXXX XXXX XXXX My ID number is : XXXX XXXX XXXX My phone number is : XXXX XXXX XXXX ( I am a teacher, so I work from Monday to Friday in a school from XXXX to XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I received a letter from Midland Credit Management dated XX/XX/2021 that demands I pay {$7700.00}, but this debt is NOT mine. I am a victim of identity theft and have successfully disputed this debt and had it removed years ago from both credit bureaus.. 

Midland Credit Management 's letter says to pay it in full by XX/XX/2021 or I'm being sued by an attorney. 

I want them to stop harassing me for a debt that is NOT mine, that I dispute, and continue to dispute, and further that is the result of identity theft and has been already disputed many times before now. 

Further, per Midland 's own policies, because I am receiving ONLY SSD I am not subject to their collections because that's my only source of income. 

This debt is NOT mine. I want them to stop harassing and threatening me to collect a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: IL

Complaint narrative:
Im writing because I noticed FedLoan Servicing reported a few late payments from XX/XX/XXXX until XX/XX/XXXX of late payments on my credit report. I am requesting a goodwill adjustment to remove these late payments from my XXXX, XXXX  and XXXX  credit reports. Upon review of my records, I realize that I did indeed miss the payment deadline. Unfortunately, I was a recent graduate with no job at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ATTENTION TO XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2021-03-02 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: Collection Management Services, Inc.
State: TN

Complaint narrative:
I had numerous inaccurate names and addresses on my XXXX credit report. I had 2 collection reports on my profile from the same company XXXX XXXX XXXX ( XXXX ). 
Collection Management services and XXXX XXXX XXXX never sent me validation of debt under Fair Debt Collection Practices Act. XXXX XXXX XXXX did a hard inquiry without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
I had numerous inaccurate names and addresses on my XXXX credit report. I had 2 collection reports on my profile from the same company Columbia debt recovery ( Genisis ). 
XXXX XXXX XXXX and Columbia debt recovery never sent me validation of debt under Fair Debt Collection Practices Act. Columbia debt recovery did a hard inquiry without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
XXXX is calling my home, cell phone and work phone many times a day. Sometimes over fifty times daily. The debt is over a decade old and is beyond the statute of limitations. They are threatening my family. I was told they will send the XXXX XXXX XXXX if I do not send them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: PA

Complaint narrative:
This account doesn't belong to me. I have a court order Declaring me a victim of identity theft. As well as a document from the District Attorneys office. I've contacted Equifax and XXXX XXXX but yet Equifax continues to report even though they were provided a court order. The account that is incorrectly reporting is XXXX Account # XXXX the balance is reporting as {$5300.00}.

Company response to consumer: Closed with explanation