vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I was not aware that a judgment has been placed to our house until we applied for a refinance of the house. What happened was XXXX XXXX XXXX offered me a service to be able to accept credit cards as payments for my business. I agreed to it and signed the contract but after a few days I found out that there were more fees to pay each that was not told during the presentation. So I cancelled it right away but they won't let me. I didn't even get a chance to touch or use their device. They kept harassing us to pay for a year contract but I told them that I'm not paying for it. Little did I know that on XX/XX/XXXX a judgment of {$1500.00} was against me in favor of XXXX XXXX XXXX. 

Because we want to proceed to the closing of the loan the Title Company tried to contact XXXX XXXX XXXX but was unable to locate them anymore. After a lengthy research they found that it is now handled by the XXXX XXXX. So the XXXX XXXX  XXXX XXXX immediately reached out to the XXXX XXXX to get the payoff amount but to no avail. The XXXX XXXX  XXXX XXXX have reached out to XXXX XXXX 10 times between XX/XX/XXXX and XX/XX/XXXX. They have talked to several contacts on several dates and did not get the payoff needed. We are unable to move forward without a payoff from XXXX XXXX. I myself attempted to call several times and the same result. It's costing us more due to the interest lock in had expired. 

I need your help please!! My case number XXXX and the XXXX XXXX phone # XXXX. The last contact made by the Title Co. was on XX/XX/XXXX and was transferred to lien specialist at Ext XXXX, spoke with XXXX and my name was provided and she stated that she didn't remember seeing that account but will review the request and will get to us as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: Fairway Capital Recovery, LLC
State: OH

Complaint narrative:
FICO Score History Date Fico Score ( as Reported by XXXX  ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX How can someone trust this report which fluctuate without any wrong doing by a consumer? Can XXXX  attribute thygose score to the already settled collection ( XXXX XXXX, XXXX )? Eradic reporting resembles a torture of consumers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXX, I filed for Chapter 7 Bankruptcy protection. One of my creditors was a  Synchrony Bank/XXXX account that had an outstanding balance. I also had a Synchrony Bank/Care Credit Card that had a {$0.00} balance and was never late that I choose not to list on my bankruptcy petition per my attorney. My Synchrony/Lowes account was immediately closed by Synchrony Bank upon filing of the petition, however, my Care Credit account remained open. I used my Care Credit Account on XX/XX/XXXX for a pet emergency and charged {$220.00} on my card and it wasn't rejected. My Chapter XXXX Bankruptcy was discharged on XX/XX/XXXX and the Discharge Notice was sent to the creditors. On XX/XX/XXXX, I made an electronic payment of {$220.00} on my Synchrony/Care Credit account, paying off the outstanding balance. XX/XX/XXXX, Synchrony Bank closed my Care Credit account and initially reported the account as a Charge Off and I contested it, since it was never late and in good standing. I contacted them and questioned the action and the bankruptcy department at Synchrony Bank told me to basically put it in writing. I mailed the same complaint via a letter with all the attachments requesting that this be corrected back on XX/XX/XXXX via Certified Mail and it was received by them on XX/XX/XXXX per the tracking. I have filed disputes with all 3 major credit reporting agencies and Synchrony Bank apparently refuses to correct their mistake by reporting my Synchrony/Care Credit account as Included in Bankruptcy. It is also obvious that they are linking both of my accounts to the bankruptcy through my social security number and not the actual account numbers. The account was Closed by the Credit Grantor and at the time of closing it was Never Late, with a {$.00} balance and in good standing and should be reported as such.

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 2018-06-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
The problem began when PNC Bank went through a conversion to the loan accounts in XX/XX/2018. Since the beginning of my loan, I have always paid my payments early even though I am set up for auto draft. I was guaranteed at the beginning of the loan that I could pay early with no penalty and the Bank would not take an additional payment from auto-draft since the payment had already been made. Since the conversion, they have been taking an additional payment from my checking account even though the payment was made early. On one occasion, I had to transfer money from another account as to not overdraw my checking and be charged overdraft fees. On another occasion, my checking was overdrawn and overdraft fees were charged and they took money from another account to cover the home equity loan payment even though the payment had already been paid early. PNC has even turned my account over to their collection department stating I asked for an extension due to hardship, which I never did. All payments have been made early and an additional amount paid to principle since the beginning of the loan. I have talked to several people regarding this matter since XX/XX/XXXX and nothing has been done. I get a response of " there is an open case on your account '' but yet the mistakes continue to be made. If I remove the auto-draft from the loan, they can raise my interest rate. They are taking money that I don't owe. Getting them to return it takes weeks. After five months, I should not be dealing with this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank is saying I owe them {$1700.00} over 1 penny back in 2007 I tried to resolve the problem I couldn't get any help so I just left the bank alone. They were trying to charge me {$100.00} for the penny overdraft now they want {$1700.00}. They state that they are a federal bank and will get their money. {$1700.00} for 1 penny

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 2018-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I got a call at XXXX on XX/XX/18 on my cell phone from XXXX from " specialist XXXX '' from XXXX XXXX XXXX. The voicemail is for an ex-family member that was named by her first and last name. She hasn't been related to me for years and has never used my cell phone number as a contact, meaning this company knew they were contacting someone other than the debtor. The voicemail was quiet for 4 seconds before " Specialist XXXX '' began speaking, indicating that it was a computer dialing. The debt collector is demanding a call back by XXXX today or " this will proceed to the next step that will directly affect you. We will continue to to take all available actions to get this matter resolved ... make this a priority to respond to this message at XXXX. My direct extension is XXXX. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
I got a debt collection this past week, i dont know where it comes from or how to contact the company. I checked it and seems like comes from XXXX  but i had never own that company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my XXXX business visa credit card without any reason I had the card over 2 years and paided them ontime never late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2018 I paid for and received a copy of my Equifax Credit Report and FICO number. I spoke to their fraud and investigation supervisor who advised if I filed a police report for frauduluent identification which I did and fax it to them they would issue a revised accuarte report and correct FICO score within 8 hours. Equifax still is inaccurately reporting my acccounts with XXXX XXXX XXXX XXXX as being open when they are all closed and timely paid. off in full timely. My account with XXXX XXXX XXXX  and XXXX all have a XXXX  balance as all balances are from unauthorized fraudulent charges and XXXX XXXX  is reporting an inaccurate balance. 
Their confiirmation number since XX/XX/2018 iw XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I have spoke to Chase to report unauthorized charges on my account, I was I going get letter in the mail to sign and return back, I was also told I would get temporary credit on the account, neither happened. 
Chase Sapphire Card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I realized that I was induced into a fraudulent agreement on my auto loan with USAA bank and XXXX XXXX XXXX ( XXXX XXXX XXXX ) The companies failed to disclose to me key contractual information, namely that they never, gave me money/legal tender at any point. They also failed to disclose to me that my signature fully monetized the note, which they were paid the XXXX dollars they claim I owe them, then they induced me into making payments on a fraudulent agreement, which I got nothing of value in return. USAA misrepresented the banks ability to lend me money. They worked hand in hand wit h the car dealership know as XXXX XXXX XXXX aka XXXX XXXX  XXXX. I want the title to my property being a XXXX  XXXX XXXX, and all payments, and late payments made under UCC 2-720 and UCC 2-721. Additionally I never autherized USAA or XXXX XXXX  XXXX to use my business name XXXX XXXX, I'm the only authorized user of the name XXXX XXXX. Please notify XXXX XXXX of USAA and XXXX XXXX  XXXX of XXXX XXXX triplex to return my property, and pay me my money back today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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:
XXXX XXXX has been reporting 4 bad collection debts to my Equifax credit report. I contacted XXXX via certfied mail XX/XX/XXXX asking for " validation '' of these items. I requested proof that I am indeed the party they are asking to pay the debts, the date of alleged medical service, the name of the patient and that there is some contractual obligation which is binding me to pay the debts. XXXX responded with letters dated XX/XX/XXXX with a " RE : REQUEST FOR FINAL BILL '' letter. I have received a response that clearly violates my rights according to HIPAA. XXXX XXXX did NOT provide me with HIPPA Release form to authorize the use or disclosure of my protected health information. Account numbers are as listed:XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have notified all 3 credit bureaus on numerous occasions via certified mail that this account XXXX XXXX that is reporting {$1500.00} IS NOT MINE. Each time the credit bureaus come back and notify me that it will take 30 days for an investigation and this account comes back verified. I sent them an additional letter asking HOW was this item verified as I have never had an account with them or XXXX. After calling the bureaus I was then told that they would not be reinvestigating. I feel as though I am stuck with an account that is not mine. My last letter to them I asked for any documentation from the creditor validating this account and received nothing but a letter from the bureaus stating that the data furnisher has verified the account.

I need immediate removal of this account as it is not mine and NO ONE has been able to provide any information to validate that this debt has my signature on it after 3 certified letters

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I was contacted by XXXX XXXX XXXX XXXX by telephone at XXXX PST on Monday, XX/XX/2018

I informed the original agent and the supervisor who stated that they purchased my account from XXXX XXXX that I owed more than what I originally owed. I do not have access to statements and believe that they were giving me false information over the phone to induce me to pay the amount owed. It is my belief that the balance owed is far less since the account was a secured line of credit. I offered to resolve the the debt if they would be reasonable about the amount. However this was not the case. I was told that this would remain on my credit report until I settled the debt, of which I still believe is the wrong amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Previous Complaint # XXXX was responded by Portfolio Recovery to CFPB on XX/XX/XXXX TODAY I RECEIVED ANOTHER COLLECTION FROM THEM THESE CRIMINAL SOBS. JAIL THEM ALL. I DEMANADED A CEASE AND DESIST OF ALL COMMUNICATIONS, HERE WAS THEIR LYING CRIMINAL JAIL THEM RESPONSE : XXXX STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response In response to your complaint, XXXX XXXX XXXX, XXXX  ( " PRA '' ) verified the PRA account ending in XXXX. PRA received and honored your request to cease all calls and other collection communications regarding the PRA account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. PRA purchased the XXXX , XXXX . ( " XXXX '' ) XXXX account ending in XXXX together with the right to receive payment of the balance due on the account on or about XX/XX/XXXX. Business records provided to PRA by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, by XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$840.00} was due on the account at the time of PRA 's purchase. PRA sent its initial notification letter to you on or about XX/XX/XXXX. XXXX has no record of a response or a dispute being received in relation to its initial notification letter. Prior to receipt of this complaint, PRA had no record of receiving a written request to cease communications with you regarding the PRA account ending in XXXX. PRA has honored your request to cease all calls and other collection communications regarding this account. In response to your complaint, PRA has sent a letter on or about XX/XX/XXXX, containing validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX XXXX XXXX are letting thousands of dollars in XXXX XXXX XXXX XXXX bills be double billed just different prices we Equifax is wanting me to file a third dispute when after closing the first they after me calling removed one

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX is calling and harassing me over a debt this is not mine and which is past the statue of limitations, they are violating the FCRA federal laws. I am well aware of my consumers rights, I do not owe this company any money and they have not validated this debt with sending me a signed contract with their company binding me to this debt, proof that this account is not past the SOL which it is, also proof of how much their company bought this debt for, they are violating more than one FCRA federal laws. I am demanding that XXXX XXXX  stop all collection activities and harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Someone unknown to me opened a Sears/Citicard account in my name on XX/XX/XXXX and had the statements sent to an address not mine. In XX/XX/XXXX I began receiving aggressive collection phone calls at my home phone involving relentless ( and unsuccessful ) attempts to extract my social security number from me. After requesting documentation and providing my actual mailing address, I received a cover letter from Citicorp along with months of Sears statements. I phoned Citibank to report the fraud and was met with further insistent and suspect demands for my SSN. The phone call was fruitless. I mailed a letter to Citibank ( at the address on their cover letter ) and to Sears detailing the fraud and the unsettling phone calls, with a copy of Citi 's cover letter and the Sears statements. The letter to Citicorp. was returned to me " return to sender, not deliverable as addressed, unable to forward ''. There has been no reply from Sears. I now have received a new current statement from Sears, and an offer from Citicards to settle the {$860.00} account balance for {$210.00}. I have filed a dispute with XXXX, and am mailing them a fraud alert request today.

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 2018-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 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: LA

Complaint narrative:
I have notified all 3 credit bureaus on numerous occasions via certified mail that this account XXXX XXXX that is reporting {$1500.00} IS NOT MINE. Each time the credit bureaus come back and notify me that it will take 30 days for an investigation and this account comes back verified. I sent them an additional letter asking HOW was this item verified as I have never had an account with them or XXXX. After calling the bureaus I was then told that they would not be reinvestigating. I feel as though I am stuck with an account that is not mine. My last letter to them I asked for any documentation from the creditor validating this account and received nothing but a letter from the bureaus stating that the data furnisher has verified the account.

I need immediate removal of this account as it is not mine and NO ONE has been able to provide any information to validate that this debt has my signature on it after 3 certified letters

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