vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Protection Association, L.P.
State: GA

Complaint narrative:
this account is fraudulent i have sent in copies of my id and the police report with it listed i dont know who stole my information and opened this account but this needs to be removed from your files immediately

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 2016-12-07 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nelson and Kennard, LLP
State: OR

Complaint narrative:
The collection firm is Nelson & Kennard operating out of XXXX, CA. 

I initially discovered something was wrong when I logged in to my bank account and discovered that my balances for checking and savings were zero. Upon looking at my transaction history, I discovered that my entire balance on both accounts had been taken out on a legal order. 

Upon contacting my bank, I was given a phone number which led me to the aforementioned firm above. They told me that I owed a debt of around XXXX XXXX dollars to XXXX for a car purchased back in 2004. I am only XXXX XXXX XXXX and would have been XXXX at the time this vehicle was purchased. I tried to explain this to the firm and they asked me to send them images of my driver 's license, social security card, and to write my signature five times. I did all of this and they still told me that I would have to wait for a fraud packet to be mailed out to my house so that I could fill it out and mail it back before they could take the " next steps. '' I do n't understand how they could have pulled all of my money out of checkings and savings for a debt that I have clearly proven that I could not have even accrued. I do share a similar name to my biological father, who left my family when I was young and has been known to try and use my name in the past ; with the only difference being that I have XXXX as my suffix. I do n't see how it is even legal for this firm to have withdrawn all of my money without even notifying me of it first. 

On top of that, I still have bills due that I am now unable to pay because of this debt that is not mine. My account balance has already been thrown in the negative and on top of that, the firm also appears to have charged a non-refundable {$120.00} legal fee which is absurd. There is no reason for me to not be able to get that fee back when this is not a debt that is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I requested a personal loan to Loan Me Company for XXXX, at the time that I requested I have a emergency and I needed the money right away, I was very desperate that at the moment I did n't think about how high was the loan interest, which 144 %, and now I struggling to make the payment on time, is hard for me now because besides this high interest and high payment loan I have another payments, and another basic expensive that sometimes I end without no money left.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
The bank has failed to contact me ( co signer ) on my daughters delinquent account. Damaging my credit with no notification. They said they had the wrong address. I have had my checking account with them since XX/XX/XXXX and they new my address. The bank continues to fail to provide me XXXX on interest that I paid XX/XX/XXXX. I have tried to conslidate the loans but they drove my credit score so low I did not qualify at a low enough rate to afford the payments. Wells Fargo continues to fail to work with us asking for payments we are unable to provide at this time. The interest they are charging me after they drove my credit score down would lead me into default. Wells Fargo departments do n't coordinate with each other telling us if we made 3 payments on the late account they would help to bring the loan current. They continue to fail to work with us to resolve all issues relating to my daughter student loan accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
In XXXX of 2016 I used a " XXXX Gift Card '' with a total value of {$250.00} to purchase a product and a XXXX service from XXXX XXXX located in XXXX, New Jersey. The balance on the gift card after the purchase and spa service was {$160.00}. I then used the card once at XXXX XXXX Jewelry in XXXX, New Jersey for watch repair in the amount of {$20.00}. This left a balance on the gift card of {$140.00}. In XXXX of 2016 I attempted to use the card to pay a portion of the cost of new eyeglasses and much to my surprise, the balance on the card, instead of being the {$140.00}, was instead {$34.00}. I was stunned because I had not used the card since XXXX of 2016. I pulled up the account history on the XXXX XXXX Gift Card website and discovered that XXXX had been deducting {$19.00} from my gift card each month for a total deduction of {$110.00}. These deductions were not authorized by me. I contacted XXXX and they claimed they knew nothing about any unauthorized deductions paid to them and that I should contact the XXXX Gift Card Customer Service Center. XXXX XXXX refused to refund the fraudulently deducted funds. I contacted the New Jersey XXXX and a few weeks later they responded to my complaint stating that they tried to contact XXXX but were told the company was out of business. That is not true. The XXXX is still in the same location and still very much in business. I contacted the XXXX XXXX Gift Card Customer Service department in XXXX and filed a written explanation of my complaint. In XXXX I received a letter from XXXX stating that they were unable to recover the funds. This seems to be a scam to me as I did not authorize the monthly deductions from my gift card and have not been back to the XXXX XXXX XXXX since XXXX 2016. Attached is a copy of the Account History showing the unauthorized deductions, the letter from Income which runs the XXXX XXXX Gift Card complaint department and the Chargeback Rebuttal Info sheet whereby XXXX states to Inc that services were rendered which is completely false. XXXX reimbursed me the {$34.00} " balance '' left of the card when it was deactivated in XXXX of 2016 but I am still owed the {$110.00} that was fraudulently deducted from my card without my knowledge or approval and for which NO SERVICES were rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
In XX/XX/2015, Financial Management Solutions, a collection agency, contacted me on my personal cellular about an outstanding debt they claimed I owed. Among other things, they failed to send me a 'Dunning Letter '' within 5 days of contact in regards to their attempt to collect the debt they insisted I owed which would have allowed me my right to dispute within 30 days, as well as violates my rights under FDCPA Section 809. Validation of debts [ 15 USC 1692g ]. In addition, Financial Management Solutions also violated the Fair Credit Reporting Act, by reporting this debt to the Credit Bureaus before allowing my 30 day right to dispute period.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I called ChexSystems Security Freeze Dept on XXXX/XXXX/15. The CSR told me that she could n't help me because I had lost my PIN. I asked to speak to a supervisor and she told me no one there and would n't be in until Monday. She then hung up on me and so I called back and the same CSR answered the phone. I asked for her name and would n't give it to me. She hung up again and so I called back. this time she picked up the phone and just muted the line. While still on the line, I called from a different phone in the house and the CSR picked up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: AR

Complaint narrative:
I had an account opened at XXXX without my knowledge. My identity was stolen several times by unknown persons. There have been several ID complaints files with FTC. So I had to file bankruptcy because of the theft. I contacted ChexSystems about accounts at XXXX to be removed from file an the refused to remove. These accounts were discharged in a chapter XXXX XXXX/XXXX/2013. They want remove because bankruptcy was filed before they were reported to them. Well quite natural the accounts were closed way before they got reported.

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 2017-01-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
On XX/XX/2017 I received an alert from my credit monitoring service that a collection account has been added to my credit report. I notice this is from a company I have never heard of or done business with. Convergent has placed an account on my credit report without contacting me, neither before or after the negative reporting. I was n't even given the opportunity to have this debt verified or disputed and more importantly I am convinced that this is a fraudulent reporting and extremely poor and deceptive collection practices at best. Convergent is practicing deceptive debt collection and has a total disregard for the Fair Debt Collection Practices act as they are in complete violation of the act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
CHEXSYSTEMS IS REPORTING A ACCOUNT FROM A DEBT COLLECTER ( XXXX ) .THAT FILE HAS BEEN DISPUTED AND CLOSED, WITH XXXX. XXXX IS NO LONGER, AND THE OTHER XXXX COMPANIES, XXXX XXXX SYSTEMS AND XXXX CALLERS XXXX DOES NOT HAVE IT ALSO. THEY DO NOT SHOW IT BY MY ACCOUNT NUMBER OR MY SOCIAL SECURITY NUMBER. I AM TRYING TO HAVE IT REMOVED, SO I CAN JOIN A CREDIT UNION.THIS SHOWED UP AT THE CREDIT UNION.ON BEHALF OF CHEXSYSTEM.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Falsifying documents in the form of date when debt was purchased from original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ZARVAD III S.A.
State: SC

Complaint narrative:
I placed a cesase order with PayDay Loans and they tried to continue to debit my account with XXXX XXXX XXXX, which require me to close my account. The Lender has submiited the debt to a third party collection agency XXXX XXXX XXXX XXXX XXXX XXXX NY who has harrassed my terminally ill husband home, threaten me with legal action advising me I needed to appear in my county court house in XXXX hours, contacted my place of business XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Movement Mortgage LLC
State: NC

Complaint narrative:
I sold a property and have a signed contract on another property in accordance with XXXX Tax free exchange guidelines. A credit report was authorized on XXXX/XXXX/2016 as part of my pre-approval process. I applied for an investment loan on XXXX XXXX, 2016. I provided all requested documentation for the loan application. The loan package went to underwriting on XXXX/XXXX/2016. The loan was approved on XXXX/XXXX/2016 and is attached as documentation. Appraisals, pest inspections, home inspections, insurance, attorney work, title work, etc. are all in process or completed. Closing was set for XXXX/XXXX/2016. The underwriter requested additional existing loan documentation which I provided on XXXX/XXXX/2016. The next day which was the day before the closing was scheduled I was told that the loan may be denied because I have more than XXXX loans and do not fit into the guidelines. I did however receive a loan estimate on XXXX/XXXX/2016, so, I thought the issue was resolved. On XXXX/XXXX/2016 they said they will deny the loan and for me to look for an alternate loan provider. Their XXXX hour denial has placed me in a position of losing : the house purchase, my escrow money, my prepaid purchase expenses, my time and effort, AND the substantial XXXX tax consequences since I can not identify or purchase additional property within the strict XXXX Tax free exchange guidelines. I have provided full disclosure on my position and they have mishandled this loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Was opening a new cd @ my financial institution XXXX XXXX Bank in XXXX Texas XXXX on XXXX/XXXX/2015. They ran my social # thru ChexSystems for verification I guess and it shows a discrepancy was discovered that associates the social security # I provided with another individual 's account information.Complaint # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nationwide Debt Management Solutions, LLC
State: CA

Complaint narrative:
These people continually call and harass me about a usury interest rate account that has a illegal usury interest rate.that was paid. # XXXX phone # XXXX I am XXXX XXXX XXXX and these people should also be charged with elder abuse. Please help me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Debt Management Solutions, LLC
State: TX

Complaint narrative:
I have received repeated daily phone calls from XXXX with " Nationwide Debt Management Solutions '' at XXXX. I spoke with her the first time she called and informed her I can not receive personal calls at work. She refused to tell me who the original creditor is. I told her if I was disputing the validity of any debt with them and she needed to send proof to my home address. I also provided her with my cell phone number. She continues to make repeated, frequent, and harassing calls to my workplace. She has contacted several of my co-workers and my manager. She has been numerous times to stop calling my place of business and refuses to do so. If someone answers and asks her what it is about she refuses to say, only stating that she needs to speak with me about a personal matter. If they say I am unavailable, she yells " RUDE! '' and hangs up. in addition, because one of my co-workers would not transfer the call to me, she called another co-worker asking to speak with their manager so she could discuss their lack of professionalism on the phone. The person who spoke with her simply told her I was unavailable.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
This XXXX or XXXX XXXX called my XXXX year old daughter 's phone and left message that she is wanting to serve me and is threatening to take legal action against me. stated she has my name and social. I returned the call but went to recording stating the company name is A R M? So i researched this XXXX XXXX and this company A R M on the internet and read these people are scammers. how in the world did they get my daughter 's phone number? this is not the first " phantom debt " collector threatening me and repeatedly calling my several daughter 's phone and also calling my employer! these companies need to be stopped please Help! I have never received one piece of correspondence from this person nor this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
i went to go cash a check and it was not authorize and i did not know why the cashier gave me a receipt sayin i had to contact CERTEGY CHECK so i did they and sent a letter Sayin no information on file

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 2016-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Frontline Asset Strategies, LLC
State: IL

Complaint narrative:
the collection agency is Frontline Assets Strategies. 
They repeatedly call and ask for some female about a debt. 
I 've told them I have not idea and ask if they even check their sources before calling people They admit they do n't do any research or investigation or any kind of vetting before they call. 
XXXX XXXX attorneys have sued them many times for this type of reckless behavior towards the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On or about XXXX/XXXX/2016 I had submitted a payment to Walmart but unbeknownst to me the payment was subsequently returned for lack of sufficient funds in my checking account when I was made aware of the problem which was four days after I immediately Submitted another payment which posted to my account successfully I then logged into my account to view my payment history and to my surprise without Prior Notice Synchrony Bank which is a Spin off and or Subsidiary of GE Capital Bank closed my account their reason being that this had been the second instance of a payment that was presented had been returned it should be of note that at the time the item was presented I had sufficient funds available to cover but it is my financial institution policy to pay at the their discretion if I did n't have enough to cover I spoke with an " Account Manger '' who at first said that there was nothing that she could do to reopen the account which turned out to be an outright lie because she further went on to say that the only way the account could be reopened was if i faxed and or snail mailed them correspondence from my Financial Institution stating that it was an error on their part i than received correspondence from Synchrony Bank dated XXXX/XXXX/2016 apologizing and that my account has been corrected and that I was a valued customer and they hoped that I continued to shop and or patronize them which I can not because my account remains closed this is in fact not the way you treat a " Valued Customer ''

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 2016-10-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I was redeeming rewards points for airline tickets under XXXX program and I was charged a {$150.00} fee for booking this travel within 21 days of the flight. At no time during the booking of the flight was I notified that there would be a charge for booking. I contacted them and they informed me that there was nothing they could do and if I failed to pay the charge they would report it on my credit report. I was also billed an additional {$22.00} for this transaction that was disclosed and agreed to.

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 monetary relief
Consumer complaint received 2015-08-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was alerted that my account had been placed on a fraud hold. I contacted Synchrony Bank regarding my Banana Republic Visa to learn that they had allowed inappropriate access to my account to an unauthorized person and completed an address change. As a result, Synchrony Bank closed my account and confirmed all account details with me, including the correct mailing address. However, when the new cards were sent, with a new account number, Synchrony Bank sent the cards to the wrong address - the address that had been the cause of closing the original account. So, after closing the account to suspend access to my account Synchrony Bank was negligent in not ensuring that the correct address was used for the delivery of my new cards. Synchrony Bank has now had to close the XXXX account and open a XXXX account. They have refused to give me online access to my account rewards until XXXX billing cycles pass, despite the fact both accounts were closed because of their mishandling of my sensitive account details. Due to this oversight on their part, I asked for them to compensate me for a subscription to a credible identify theft program ( i.e., XXXX XXXX ) to assure me that they did not further compromise my personal details. They declined. Synchrony Bank and Banana Republic Visa have not demonstrated they are committed to ensuring this does not happen again, nor have they ensured that I am satisfied with the resolution they presented.

Company response to consumer: Closed with explanation