vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlantic Credit & Finance, Inc.
State: HI

Complaint narrative:
I received a copy of a judement from my escrow company that I didn't know about it was dated back in XXXX. Talked to a XXXX XXXX on XX/XX/XXXX regarding this judgment an my willingness to pay so I can move forward and have this cleared. He stated once they received payment he would issue a document of Statement and Release and have this recorded with your court system. I asked for a recordable document so my escrow company could have it recorded. Ref. # XXXX Judgement doc # XXXX. Amt of judgement is for {$1600.00}. A payment in the amt of {$1600.00} check # XXXX was paid to Atlantic Credit and Finance on XX/XX/XXXX. They received it on Monday XX/XX/XXXX as I had it certified and return receipt. The check cleared my bank on XX/XX/XXXX. I've since made several calls to Atlantic Credit and Finance only to be put on hold or transferred several times. I've called daily and when I did speak to XXXX XXXX said that he sees a payment was made but had to confer with their legal department and compare notes and on Monday XX/XX/XXXX I finally talked to XXXX XXXX who stated that my account was sold and he didn't know who cashed my check and that he was blocked from contacting or discussing further, said more money was owed.

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 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Clarity Services
State: IL

Complaint narrative:
I received an updated copy of my credit report and observed a credit inquiry on XXXX XXXX from clarity services inc.clarity services inc has not given me written documented proof I consented to these hard inquiries as required per section XXXX and section XXXX of the federal credit reporting act and proof of accuracy of inquiries as required per section XXXX of the federal credit reporting act..I have been a victim of identity theft in the past per my fraud alert on my XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have reached out to original creditor multiple times and disputesd with credit bureaus. I am not responsible for charges on this account. My information was taken when I was in treatment for XXXX XXXX in another state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: DC

Complaint narrative:
I have prepaid my BB & T mortgage ( which my mortgage agreement allows ) to reduce the principal amount due over many years. I recently was informed that my additional payments were placed in an suspense account that BB & T could use for their purposes and they were not credited toward the principal reduction on my mortgage loan. When I review the past 6 year accounting its obvious that BB & Ts accounting for mortgage over-payments is inconsistent and unscrupulous to the mortgage loan holder. In fact its fraud since my mortgage does not have a prepayment penalty and every retail bank loan officer assures customers that excess loan payments will automatically be credited towards a reduction in principal. I have tried to communicate with BB & T over the past 2 months to no avail. If there is anyone trying to pay down their mortgage before retirement or to reduce the mortgage loan term with BB & T consumers should be very wary! This is time sensitive since BB & T plans to merge with XXXX and I suspect consumer mortgage records may be purged. Perhaps the merger should be blocked until a thorough review of their accounting of additional mortgage payments is reviewed for proper payments of reductions to mortgage principal payments.

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 2019-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
On Tuesday XX/XX/2019 I received a vm from XXXX XXXX XXXX. I returned the call and spoke with XXXX at XXXX. I requested validation of my debt and he responded by saying it was already sent. I again requested for the validation to be mailed to my address and I verified my address. XXXX said he would email it. I said no email, I prefer by mail. On XX/XX/2019 I received the correspondence via email when I strictly requested by mail. Then I asked for no more calls as I would take care of the balance after reviewing the validation. Today XX/XX/2019, my brother sent me a message via messenger saying XXXX called him asking for information about me. I already asked for no more calls so I am not sure why they continue to harass me and my family.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Trust Management LLC
State: CA

Complaint narrative:
Please find attached two phone calls ( XX/XX/2019 and XX/XX/2019 ) that I have received from Global Management Trust LLC using pre-recorded automated messages on the voicemail of my cellular telephone, a violation of TCPA 1991. The repetitive calls and failure to give a mini Miranda are also a  violation of The Fair Debt Collections Practices Act. The TCPA entitles me to {$1500.00} per phone call individually speaking and {$1000.00} under FDCPA in statutory damages alone plus my attorney fees, and actual damages if any.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
My brother XXXX called in to make a minimum payment towards my XXXX XXXX account, when discussing the account with XXXX she wrongfully disclosed my entire account balance of {$1900.00} to my brother.

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 2019-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: OH

Complaint narrative:
I got a payday loan on XX/XX/19 for XXXX , payback {$780.00}, Advance America XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. XXXX is closing down, I agreed to pay back {$200.00} for, I thought was 4 months, when i went in on XX/XX/19, they tell me I have 7 more payments of XXXX .? thats {$1800.00} on a {$700.00} loan! I am on XXXX XXXX and can not make these payments! Company said, sorry!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/2019, I submitted a request for a credit line increase on my +13-year Visa credit card with Capital One Bank , XXXX, Virginia. 

Today I received a letter in the U.S. Mail also dated XX/XX/2019 that the increase request was declined stating the reason as : " Your financial obligations reported to us by the credit reporting agency are too high. '' The XXXX  credit bureau file was cited as their information source. 

I accessed the XXXX  credit bureau file. When two statistically minimal errors are corrected, it indicates a 4.56 % credit utilization rate on {$320000.00} of available credit. Such " financial obligations '' are not " too high, '' but quite the opposite for too many individuals who maintain high credit card balances. 

When I called Capital One 's XXXX, Florida operation to protest the error stated in its decline reason, I was told by supervisor XXXX that there was no recourse in fixing Capital One 's blatant error. When I asked for clarification of this statement, they refused to provide it. 

When I called to Capital One 's headquarters, I was told Capital One has deleted its Executive Problem Resolution area and phone calls to an appropriate functional manager would not be connected. 

So what Capital One has chosen to do with its operating policies and procedures is completely suppress customer inquiries when Capital One creates problems and errors, then doesn't wish to resolve them. This is hardly good business practice, good consumer protection and certainly does not lead to retention of long-term customers in good standing. 
I deal with several other credit card companies and none of them, in +40 years of experience, have come close to displaying such intentional arrogance, dismissiveness and indifference to errors when a customer brings a blatant factual error to their attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: UMB FINANCIAL CORPORATION
State: AZ

Complaint narrative:
An HSA ( Health Savings Account ) was opened by my employer with UMB. Since it was open they have been charging a XXXX service fee every month to my account. I realized when it goes negative, they will expect me to pay back their fees. In order to close my account, they will take {$25.00} off the balance and send me the remainder. I never agreed to any of this because my employer signed me up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
My brother XXXX called in to XXXX to discuss my account, he spoke with a XXXX whom did not properly authorize the account, provided my brother with my account balance, next payment due date and the apr of my credit card account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
hello, I was getting ready to ship into XXXX XXXX for the XXXX XXXX. I pay my auto loan through citizens one, I went to a bank branch to personally speak with someone to get a three month deferment for while i was away for XXXX XXXX, they agreed to help me with it, they asked for my orders which they received and told me it would be taken care of. I came home early for health reasons four weeks after the deferment should of already taken affect. then come to find out I have " delinquent charges '' for not paying and that the company had no notes or anything regarding my request. several Points were removed from my credit score and I would like to see them recovered considering I was physically unable to make my payments and the company didn't do what they promised to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Received a letter in the mail dated XX/XX/19 from convergent outsourcing saying I owe XXXX $ to XXXX XXXX. I have never had an outstanding with XXXX XXXX and they confirmed this. Read online this company is trying to scam individuals and are reporting fake debts on their credit reports. I believe this is what is happening 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 2019-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Received a letter in the mail dated XX/XX/19 from XXXX XXXX saying I owe XXXX $ to PayPal inc. I have never had an outstanding with PayPal inc and they confirmed this. Read online this company is trying to scam individuals and are reporting fake debts on their credit reports. I believe this is what is happening to me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX  was no successful resolution. XXXX was reporting me late. There was definitely an error on their part. I was never 30 days late -XXXX, XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 I filed a Police Report because my purse was stolen. The thieve ( s ) ran up my cards. I contacted Bank Of America asap to report my stolen Debit cards had been used illegally, to cancel the cards and to also give them the police report number. I did all of this within 2 hrs of my cards/purse being stolen. After Bank Of America did an investigation, they said it is my fault and took back a credit of {$900.00} dollars. On top of this decision, they actually took the money back from my son 's account who has a totally separate account from me and he is a minor. I am so confused. I did everything right.

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 2019-04-05 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: MO

Complaint narrative:
Through Experian, it shows an account to be closed, that I am not making payments, and that I owe $ 6,000+ on the account. While that was true at one point, for nearly three months now, I have made on time payments, the account is open and in good standing, and I owe {$5000.00}. I provided Experian with the paperwork from the company which reported this, which shows this new information. Experian says they will keep my report the same, even after providing documents proving my new status.

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 2019-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
On or around XX/XX/2019, I received an alert from the credit bureaus that two collection accounts hit my reports. Upon investigation, I found that the debt was medical bills accrued over four years ago. However, during that time I was insured and had no knowledge of this debt up until now. I contacted the state of Maryland but due to the time lapse, they could not cover this debt and instead provided me with a document showing that I was covered during the time of service. I forwarded this information to the debt collection agency, Commonwealth Financial Systems, immediately after. I was told by a representative that it would be notated and to give it a few days for this to report to the bureaus for removal of these negative items. Weeks later, nothing has happened in my case and Im given no status updates from the collection agency. I was told today ( XX/XX/2019 ) that it could take up to another month before these items would be removed. I was made aware that this same agency had no control over this, as they are representing another collection agency making them the third party collector. When asked to provide information for the agency in which they represent for further investigation, I was declined by representative stating that they could not provide that information. I am a bit leary that this company has information on me, yet, I cant have any knowledge of who they are. Im continuously getting alerts that this third party collection agency is flagging these debts as collections, further damaging my credit, Im looking to have this reported immediately to the bureaus for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Today I requested that XXXX XXXX communicate in writing only via USPS mail only, they continued to email and text me. I asked them to stop texting me in writing in the attached yet they continued to do so after it was received. I have all of this very well documented. They have broken the law under the California Rosenthal Act And TCPA XXXX. My letter to them is attached. They wrote to me today at XXXX " starting on XX/XX/XXXX. If the account is past due for more than 30 days, the account may be sent to an outside collection agency. Once the account is sent to the collection agency, this will be reported to your credit and we will no longer be handling the account. '' This is a threat to my credit and is also a violation of the Rosenthal act RFDCPA. 

I have not filed any lawsuits, but I am also asking that they contact my authorized representative. XXXX XXXX XXXX XXXX. 
THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX was reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2019 2019

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 2019-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to Transunion and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

Transunion is reporting the last reported date as XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting it as XX/XX/XXXX. transunion is reporting date last active as XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Transunion is reporting High credit as {$800.00}, XXXX is reporting {$0.00}, and XXXX is reporting {$740.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: PA

Complaint narrative:
XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX  and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX is reporting the last reported date as XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting it as XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX, XXXX  is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. XXXX  is reporting High credit as {$800.00}, XXXX is reporting {$0.00}, and Equifax is reporting {$740.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
On XX/XX/2019, at about XXXX PM EST, my brother XXXX called in to discuss possibly making a minimum payment on my XXXX XXXX Credit Card account. XXXX spoke with a XXXX whom shared : my due date, the fact that my account is an interest baring account, and my total account balance of {$1000.00} with my brother whom IS NOT authorized on my account.

Company response to consumer: Closed with non-monetary relief