vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Good morning, To whom it may concern, I have been paying my debts/obligations for a year now. My goal is to purchase a home, being a first time buyer. I went thru classes /and credit counseling to prepare for it. My credit score has increased, but by few points and it had decreased a few times because of the collection agencies. 
The creditor is XXXX. XXXX was paid in XX/XX/2019.But to this day 3 collection agencies are threatening me and sending me correspondence to pay up, and calling me. I called and XXXX to confirm in XXXX, XXXX, XXXX, XXXX, XXXX that i dont owe nothing, and the have. 
XXXX XXXX ( XXXX ) XXXX XXXX, FL. ) - stating that i owed XXXX and that i owed $ 360- $ 500..I argiued with them that i did not.I called XXXX tthey told me to look in my account history and print it. I did and sent it to XXXX  and to XXXX. Still XXXX has it on my account and now a new Collection agency .. CREDIT COLLECTION SERVICE  ( XXXX ) XXXX-IN in XXXX MA ) Has that i owe XXXX ... .i argued with them, they have me opened a XXXX account in XX/XX/2019 owing XXXX! They called me, threatened to take legal action and trying to collect the amount. ( XXXX ) now my credit score has gone down.i have paid my bills on time as agreed, cleared up my obligations, disputed errors .When score goes up, these collection agencies hit my credit report and it goes down.how can i stop them from hitting my report, and get back my points! this is unfair, deceptive and abusive practices. Im not giving these people a dime, and i fear the will go into my account. They tell me that XXXX AUTHORIZED the collection! XXXX say they did not! I HAVEN'T OWED XXXX SINCE XX/XX/2019 ... .I NEED HELP!!!! I WANT MY OVER 20 POINTS BACK THAT I WORKED HARD TO IMPROVE WITH FINANCIAL HARDSHIP!!!!!!!!! NOW I HAVE TO EXPLAIN THIS TO UNDERWRITTERS THAT IM NOT LATE PAYING THIS BILL THAT I DONT OWE.MY SCORE WAS IN 600 'S NOW ITS 580 'S!!!!!!!! THIS IS IS UNFAIR! BUT I HAVE TO WAIT TIL SCORE GO BACK IN 600 'S ... .BUT HOW???? i HAVE ADDRESSED MY CONCERNS, MULTPLE TIMES WITH XXXX, CREDIT BUREAU, AND COLLECTION AGENCIES.XXXX   BLAMING COLLECTIONS AGENCIES AND CREDIT BUREAUS PLEASE RESPOND IN KIND XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Suv got repo told them to sell and let me know and also was starting bankruptcy

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 2019-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These Cards or accounts were opened fraudulently as a result of my personal information that was stolen which I have Reported previously. Remove Immediately. Please Thank You

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 2019-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These Cards or Accounts were opened fraudulently as a result of my personal information that was stolen which I have Reported previously. Remove Immediately. Please Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
JPMORGAN FINANCIAL CORP HAS BEEN exposing ALL MY PERSONAL INFORMATION TO OPEN LINES OF CREDIT, CREDIT CARDS, XXXX XXXX XXXX XXXX XXXX # XXXX MY OLD # WITH XXXX XXXX SINCE 1993!!! MY NEW PHONE IS XXXX. PLEASE CALL ME. THESE CROOKS HAVE ALSO CHANGED MY CREDIT REPORT INFO THRU XXXX AND XXXX FOR THE PAST YEAR IVE BEEN TRYING TO GET THEM. Pain and suffering for LOSS TIME N HEALTH ISSUES TOO

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Reliant Capital Solutions, LLC
State: UT

Complaint narrative:
So I recieved an email from my employer that my wages were to be garnished. It was stated that they would be garnished by Reliant Capital Solutions. The document attached to the email indicated it was a court order issued by Reliant Capital Solutions back in XXXX. I nor did my wife receive contact from them at all regarding the attempt to collect the student loan debt. This email was the first indicator that my wages were to be garnished. They were as of XX/XX/2019 garnished without contacting me by email, mail or phone call. I haven't take any action as of yet but I plan on calling my HR payoll rep about this tomorrow morning XX/XX/XXXX and see what course of action I can take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since the Equifax breech, I have had lots of problem with them. Last summer they had 5 mixed files with mine. By the first of the year they had the report fixed until last month when again I was not able to get a copy and creditors have claimed that they can not get a copy either. I have spent endless hours ( over 60 ) on the phone with Equifax to no avail. They keep asking for my identification and social security card. I have sent it to them by fax, upload and US Mail several times. I just sent it to them this week twice. 

They also keep charging me {$14.00} per month for a monitoring service and I can not use it because I can not access my report. I have been issued 11 reference numbers this year alone for fixing the report and it is still not fixed or accessible to verify this. 

REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX Enclosed is supporting information, id, letters, social card, etc. 

Also when getting my 3-in one report from other providers, either the Equifax report is blank or won't work. 

I also can not dispute anything online because I can not get the report nor can I update anything like locking or unlocking the report again because I can not access the report online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: NY

Complaint narrative:
I have been a chase customer for 10 years and I have XXXX chase freedom cards. Recently ( 1 days ago ), I received the offer for a credit limit increase which I accepted. Please not I didnt request it first hand. Then I keep seeing a prequalified offer for their chase Sapphire preferred and after a few logins I decided to take the bait. I applied and got approved. Five days later, I try to use my card at a gas station and it was declined then again later. So I logged in to check out what the problem is because I havent been using much of the card I actual only had {$64.00} balance on a {$2000.00} limit. Thats when I see that all my cards were closed. 
I called them and the reason is too many inquiries. Chase card was the last card I got last year until XXXX when I applied for a XXXX. I dont understand how thats too many inquiries! On my XXXX and XXXX I only see XXXX. XXXX has XXXX ( 2from XX/XX/2017 set to be removed by next month, XXXX others from chase itself and XXXX for apartment leasing ). I am shocked and embarrassed that chase takes such a measure without informing its clients. I am also annoyed because I had enough no late payment and the accounts are always paid on full. I am no flight risk, I have been with them for years. I was just doing a product change as my credit has risen so much and I need cards with rewards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
As with other Comenity Bank cards, I had a Zale 's card and others, before they were closed it during a mortgage application process. After reapplying I was told they could not access my credit report. My report is open and unlocked, but they claim it has a freeze on the report or they can not get it or it is blank. 

When I try to call them I get a recording claiming that I am not authorized to call the number. So that is not allowing me a chance to communicate with them to take care of the issue and it is also blocking me from maintenance on other account with them. 

Is this fair under the FCRA rules? 

Enclosed are the supporting documentations. 

This also happening with any account I apply for with Comenity, they keep sending the same information denying my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase issued a mortgage loan against my property while back. I just came to know about it by contacting with the home insurance company last month, which was funded from that mortgage loan account. The loan number is XXXX. 
The loan account was used for this purpose by a mortgage company named XXXX XXXX with the below information : Phone : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I contacted your sales department to inquire about this loan with no success. They declined to provide me any response. 

Chase maintains the loan that are older than 7 years in archived form. Since the loan was issued against my property and was used back in XX/XX/2007 to provide my home insurance company for home insurance payment. 

So I need to know the below details on this loan : 1. When was the loan account opened and when was it closed, if closed?

2. What kind of loan was it ( i.e FHA, VA etc )? 

Since this was a concealed information, the statute of limit tolls for any legal action. 
So I am hoping that you would please co-operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Town Square Mortgage & Investments, LLC
State: TX

Complaint narrative:
When purchasing a home last year, Town Square Mortgage in XXXX XXXX TX could not obtain my XXXX score. 

They claim that contacted XXXX and I don't know what the agent told XXXX but after that all they could provide was a mixed up report, with 5 other peoples information. 

Since that time I have spent over 100 hours on the phone trying to fix the report with no success. 

When I call Town Square Mortgage or my broker for assistance, they tell me they did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When purchasing a home last year, XXXX XXXX XXXX  in XXXX XXXX TX could not obtain my equifax score. 

They claim that contacted equifax and I don't know what the agent told equifax but after that all they could provide was a mixed up report, with 5 other peoples information. 

Since that time I have spent over 100 hours on the phone trying to fix the report with no success. 

When I call XXXX XXXX XXXX or my broker for assistance, they tell me they did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I tried to dispute with Midland but no response rcvd yet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I deposited a check I received from my dad for college on XX/XX/XXXX it has now been 5 days since and Bank of America has closed my account and wont return the money to me. My dad has went to the place where he got the loan and they are saying the check has cleared into my account and they cant cancel and give us another check till they send it back. Well Bank of America has put a XXXX dollar hold on my account and is refusing to either give me the money that was in my account or tell me why they have closed my account. I am now on financial probation at my school because they are refusing to give me my money. I have went in to 2 different financial centers and have only received attitude from the managers. Telling me its gon na be 3-4 weeks before I receive my own money. How ridiculous is that!! On the deposit slip it said at latest my funds would be available XX/XX/XXXX. 4 days ago.

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 2019-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
XX/XX/2019, a personal check was mailed to Best Egg in the amount of {$4400.00} to close my account. I did the same with many others creditors and all accounts were closed but Best Egg. 
XX/XX/2019, after noticing the funds were not withdrawn from my bank account, I contacted Best Egg and was told by an employee the check was not yet received and that I will be charged a late fee of XXXX dollars every three days if they don't have their payment. Therefore I now owe them XXXX dollars because, " It's been 6 days since my due date. '' XX/XX/2019, I contacted Best Egg and was told they just check got the check and will post later in the day. 
XX/XX/2019, I contacted Best Egg and was told the check was received on XX/XX/2019, but was not sure why it was not posted, " We'll make sure it's posted. '' Today, XX/XX/2019 and the check is still not posted. 
This is an attempt to try and collect more funds through late payment fees. Their actions are unprofessional, deceptive and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
TD Auto Finance reporting missed payment in XXXX and XXXX of this year. The account has been closed for over 4 years. The payment history is in accurate and against the FCRA. I want it removed with the whole account or I will take legal action after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
We enrolled in the overdraft protection. After doing so we received a total of {$100.00} in overdraft fees. The employees are not informing us how this system works, until we get a overdraft fee and are like oh Im so sorry you didnt know how it worked. We deposited money into the account to cover the balance and there was another fee. The bank is TCF bank. They say that it was posted after the money was posted but online it shows no charge after our deposit. It seems like they are just making up reasons to not give us back our money, this seems like its illegal for them to do this, and we want to file charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Syncrony Bank decided to close 3 of my paid off accounts Walmart, Qvc and Value city all of them Ive never been late except For value city 4 years ago while I was on maternity leave. I didnt plan on using them but if I did now I cant. They closed it because my score dropped due to me co-signing on a car for that has a late payment but has been current up u til now.. Well then closing my accounts definitely isnt going to help. I just find it ironic and not fair. They arent helping my situation mind u I have an old navy account with a small balance that they didnt close. I bet if I had balances on the others they wouldnt have closed them.

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 2019-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I'm having financial problems and have fallen behind on my credit card payments. On XX/XX/2019 Navy Federal Credit Union transferred money from my checking account without my consent to pay credit card debt. Can they legally do that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are XXXX criminal court citations on my background that is showing up only through TransUnion. I have no recollection of these incidents nor are they on any of my public records that I have obtained since being made aware of these false allegations. My name is also misspelled on XXXX of these citations. 

TransUnion is denying my claim to investigate these allegations because they claim I am not on the account. How can I not be on the account when it is showing up on my background check? I have been refused employment due to these false accusations that are unwarranted and can not be confirmed thru my own investigation.

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 2019-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation
State: ME

Complaint narrative:
Called repeatedly, called my family, hit my credit report for a loan, which I did not apply, called the company, asked on XXXX calls to identify themselves, refused, researched company online and are known for this and was sued by the government and citizens, refused to stop calling when I'm at work, called before XXXX XXXX and after XXXX XXXX, have all call logs and witnesses from calls. Performant financial hit my XXXX credit report as a hard inquiry.

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 2019-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a Citi Best Buy credit card back in XX/XX/XXXX and I was told that I have to go to a store with a picture ID and a credit card that I had open for a year and I show it to a store manager and I was approved with XXXX credit limit and my card was mailed .... and I access the website bestbuy.com.. and my card was canceled/shutdown for possible fraud and I havent use the card and never received it ... now I dont have patience for mails and I was told I failed the verification and I have to wait for a letter to be send to me in 7-10 days and Im considering closing this account if this keeps up ... I have a life and I need to work not sit around waiting for a letter to show up

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