vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Business and Consumer Solutions.
State: SC

Complaint narrative:
I received correspondence from FBCS Inc., a collection company, for an old debt and they said that they were collecting for XXXX XXXX XXXX XXXX. The amount is $XXXX, which is ridiculous, for XXXX XXXX. They say that the settlement amount is $XXXX and now this is reporting on my credit report TWICE! 

I want FBCS (XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX) and XXXX XXXX XXXX XXXX   sanctioned and I want this item REMOVED from my credit report. 

They are using debt collection actions that run afoul of the debt collection rules and regulations and this is a very old account and it should not be reporting TWICE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: CT

Complaint narrative:
XX/XX/2016:
•	XXXX XXXX  (Tenant) emailed XXXX XXXX  (Property Manager) and cc’d XXXX XXXX  (Leasing Agent), XXXX XXXX  (Property Manager), XXXX XXXX XXXX, esq. (Attorney for Landlord; XXXX XXXX)
o	RE: XXXX XXXX  (Property Manager) request for XXXX XXXX  and XXXX XXXX  (Tenants) to provide written acknowledgment of Oral Agreement with regards to Intent to Vacate Tenancy

XX/XX/2016:
•	XXXX XXXX  (Tenant) emailed XXXX XXXX  (Property Manager) regarding service of the ‘Writ”; Summons, Complaint for Non-Payment, and Notice to Quit.
•	XXXX XXXX  (Property Manager) emailed XXXX XXXX  (Tenant) advising that she had, “entered the move out date in the computer and notified XXXX XXXX, Attorney.” XXXX  further stated, “He will not be going forward with the eviction and has not filed anything further with the court. If anything changes please let me know.”

XX/XX/2016:
•	XXXX XXXX  and XXXX XXXX  (Tenants) entered in to written lease agreement for the premises located at: XXXX XXXX XXXX XXXX, CT XXXX
o	Note: A copy of this lease has been provided to the Collection Agency to support our claim that our tenancy had terminated

XX/XX/2016:
•	XXXX XXXX  (Tenant) emailed XXXX XXXX  (Property Manager) and cc’d XXXX XXXX  (Attorney for XXXX XXXX)
o	RE: Tenancy terminating effective XX/XX/2016following a completed walk-through of dwelling unit
XX/XX/2016:
•	XXXX XXXX  (Tenant) received a Notice of Collection via USPS and immediately contacted the Collection Agency via phone
•	Collection Agency Representative instructed XXXX XXXX  (Tenant) to email ‘XXXX  and attach the written agreement between us, (Tenants, and the Original Creditor (XXXX XXXX)
•	XXXX XXXX  (Tenant) emailed ‘XXXX  and attached the written agreement (Intent to Vacate)
o	Note: Written agreement shows that the debt was settled and account was closed “in good standing”

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 2019-08-20 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I set up a new payment account to pay my Banana Republic Visa bill through Synchrony's website.  I had the wrong account number so the payment was returned. I was notified of the returned payment by Synchrony but NEVER notified that more than one returned payment would result in my account closure and loss of points earned. I revised the payment account number but this was also returned. I contacted my credit union and was informed I have a limit of 6 transactions per month from the account, which I was unaware of. This is why they refused the electronic payment. I then logged in to the Synchrony website to revise the payment method, and saw it said "this account has been closed." I then received an email from XXXX XXXX asking if I closed this account. I NEVER got notice OR warning from Synchrony Banana Republic Visa that a second returned payment would result in immediate closure of my account and loss of points. I called Synchrony and was told, sorry it's a term (hidden someone in the fine print of course) yes two returned payment your account is closed automatically with no opportunity to reinstate it.  Please note, my account was in good standing and my minimum balance was paid so the two returned payments are the sole reason my account was closed.

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 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove it to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2019-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
OnXX/XX/2019, I received an email from Chase confirming an address change made on an account. I do not have active accounts with Chase and have not for almost a decade. I was suspicious and contacted their Customer Service, who advised me to forward the suspicious email to XXXX. I did so, and on the same date I froze all of my credit reports. On XX/XX/2019, I received another email, welcoming me to my new Chase savings account. I forwarded this email as well to XXXX, although I had not received a response to my previous email. On the same date, I contacted Chase customer service and, after multiple transfers, was able to speak with someone in the Fraud department who advised the account was opened fraudulently online using my information, and that the account had been deactivated. On XX/XX/2019, I received another email associated with the savings account, which suggested to me that the account was not deactivated after all. The next day I contacted the Fraud department at Chase again. The representative reiterated that the account was deactivated, but could not verify the email that was sent, and would not provide further details "for the security of the account." I do not believe that Chase has deactivated this account, and throughout I have been frustrated by their unwillingness to take seriously this fraudulent activity. I understand from my conversations with Chase that the account was opened online, and the representative on XX/XX/XXXX advised to me that it is relatively easy to open a savings account online with little verification. At best, Chase is willfully negligent regarding fraudulent account openings; at worst, this is akin to the XXXX XXXX   scheme where accounts are purposefully opened by the company. I have received no response from the Abuse team to which my concerns were directed, and all of my calls to Chase have been unsatisfactory and/or inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2018 I had Hard inquires on my credit that I did not authorize and the companies can not show or prove where I gave them permission to run my credit I have talked with all credit bureaus and they all say they can not and will not help or do anything
I am attaching a list of companys that hit my credit some even hit twice in 1 day
I am looking for the prove where I gave them permission to run my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2018 I had Hard inquires on my credit that I did not authorize and the companies can not show or prove where I gave them permission to run my credit I have talked with all credit bureaus and they all say they can not and will not help or do anythingI am attaching a list of companys that hit my credit some even hit twice in 1 dayI am looking for the prove where I gave them permission to run my credit report

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 2019-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monroe Credit, LLC
State: LA

Complaint narrative:
Was sent a text on the day my payment came due stating “Reminder from Trenton loans about your XX/XX/XXXX payment your 10 day grace period will end on the XXXX... It will have a XXXX dollar  late charge.. what day can I set your account for?? And we are going to to be doing end of month closeout on the XXXX by lunchtime will need payment in to keep from rolling past due on credit report.“My account cannot report past due on my credit report until it has rolled 30 days past due. This statement implies that my credit report will be affected if I do not pay by lunchtime on my 10th day.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America provides misleading information in their app as to how much money is available for me to spend. Pending transactions are supposed to subtract from the total amount one can spend. I made a $XXXX   transfer out of my checking account, with around $XXXX left in the account on XX/XX/2019.OnXX/XX/2019 I had authorized the following 5 transactions:1. XXXX -$XXXX2. Parking  -$XXXX3. Lunch    -$XXXX4. Parking  -$XXXX5. Food      -$XXXXTotal: $XXXXI should have had a remaining $XXXX in my account. Instead, several pending transactions cleared onXX/XX/2019. At XXXX XXXX   on XX/XX/XXXX I saw that my account was -$XXXX. I had $XXXX transferred to the account to cover the account and avoid an overdraft fee. I had $3 in the account.Today, XX/XX/2019, I check my account and see that I have -$XXXX available to spend. I was charged $XXXX in overdraft fees as of writing this complaint. The previously authorized $XXXX that had been superficially deducted will cause an additional fee, as I was just informed by Bank of America. I am highly encouraged by the bank to use their app as a way to monitor what is available in my account. I was told after the fact by a representative that the app may not update with accurate information. They will also not refund any Overdraft Fees.Bank of America is either intentionally misleading me into spending money to charge overdraft fees, OR, they do not provide the appropriate information for me to understand what I can spend, and then charge me overdraft fees. I will be closing the account with a negative balance until the matter is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
To whom it may concern,From XXXX  XXXX to XXXX XXXX, the credit card company named Comenity Bank/XXXX XXXX  reported to the credit bureaus that I was late on my payments for 30 to 150 days. This information is incorrect because I specifically asked a representative to set up automatic payments on my account to avoid any delinquencies or past due amounts.The representative failed to set up the automatic payments; however, I wasn’t aware that the payments were not automatically coming out of my bank account. In addition, the company never sent out my bills in the mail nor did they attempt to contact me about my account. Therefore, my account should have never been reported as late because the company failed to do their job and inform the customer about any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a Capital One card, and got approved but they never sent the card to my house. Apparently they sent the card to someone because they claim I owe $XXXX. How I could owe $XXXX when I never received the card in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
On XX/XX/2018 these companys did I hard inquiry on y Credit Report and i did not ask them or give them my permission to do this I have talked with all credit bureaus and they say they will not help or investiagte inquirys I am looking for the companys to provide proof that I gave them permission to run my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: Nelnet, Inc.
State: NY

Complaint narrative:
In XXXX XXXX I contacted XXXX, Nelnet/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX with regard to grossly inaccurate information submitted to the credit bureaus. I had not received any correspondence from the Federal Student loan agency re any alleged debt. When I asked why they hadn’t let me know of any problem in any way, they stated that they didn’t have my mailing address or email. I pointed out that I still have correspondence from them at the correct addresses from XXXX  when I was granted discharge on the remaining balance due to permanent disability.XXXX  made some corrections and my credit score went above 610, the necessary figure to be considered for affordable housing. I am now technically homeless though I’m still at my address because tenants are suing the landlord for wrongful eviction. I have been turned down for over 50 apts due to these inaccuracies on my report.Now, my score has gone to XXXX due to the fact that when XXXX  contacted NelNet, they confirmed that I still owe them money. They even state that I am in delinquent status due to 5-6 months unpaid when I’ve never received a bill from them. I have made two payment arrangements with them, one of which should be reflected on my report in 60 days. The XXXX department itself at the Department of Ed advised me to set up these arrangements and told me that he has contacted XXXX  regarding the inaccuracies in my report. I am not in a position to wait 60 days to find a new home. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
Loan #XXXX was sold to SLS (specialized Loan Servicing) XXXX, XXXX. A dispute regarding funds deposited with XXXX, previous servicer existed and were not related to SLS causing my payment to dramatically increase with little or not adjustments to my hazard insurance or tax base.   The figures causing my payment to go up do not accurately reflect funds that should have transferred from previous servicer to current servicer of my loan.  Discussions with SLS on XXXX and again on XXXX indicate discrepancy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2018 these companys did I hard inquiry on y Credit Report and i did not ask them or give them my permission to do this I have talked with all credit bureaus and they say they will not help or investiagte inquirys I am looking for the companys to provide proof that I gave them permission to run my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2018 these companys did I hard inquiry on y Credit Report and i did not ask them or give them my permission to do this I have talked with all credit bureaus and they say they will not help or investiagte inquirys I am looking for the companys to provide proof that I gave them permission to run my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This dispute is against Synchrony Bank/Amazon. On XXXX XXXX XXXX, my account was charged {$12.00} by Amazon Digital XXXX, Wa. XXXX, reference no. XXXX, Which I never make that purchase. You can check my Amazon purchase history. I found the charge on my account and called in on XXXX XXXX to Amazon store card Synchrony Bank to dispute. But instead of dispute the charge they add another fee of {$13.00} to my account. So on XX/XX/XXXX, they just simply closed my account. I was told by them that I can't dispute nor make payments cause the account was closed, and told me not to worry it'll not affect my credit. I recently ordered my credit report and found out that I have a serious negative charge with Synchrony Bank/Amazon about this incident. And Synchrony Bank has been reporting this incident since beginning and until now. I was very angry at Synchrony Bank, they abused my account. The last phone call I made on XXXX XXXX XXXX, I spoke to the bank manager named XXXX XXXX, and he apologized to me, saying he'll refer this case to their credit dispute department. At this point, I refuse any excuses. I need the bank action on correcting my account, and write the letters to three Credit Bureaus to take off this wrong record.

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