vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am a victim of identity theft. I have contacted Chex Systems Inc on numerous occasions and have found that they flagrantly violate the provisions in the Fair Credit Reporting Act. My previous financial institution, XXXX XXXX, had a date breach and/or hack several years ago which resulted in my sensitive personal information being shared with over XXXX people. The information included my full name, driver 's license, date of birth and social security number. I have had to dispute numerous accounts opened in my name as a result. I previously disputed the XXXX accounts that are being reported on my credit file with Chex Systems directly with Chex Systems and have now filed a complaint via the Consumer Financial Protection Bureau which Chex Systems responded to. Chex Systems claims to have investigated my previous disputes. Upon my communication with the XXXX companies that have reported information to Chex Systems ( XXXX XXXX Bank and XXXX XXXX XXXX Bank ) I was told by XXXX companies that Chex Systems never forwarded them my complaint and that they were not aware of any identity theft because Chex Systems never told them. I had these conversations with both companies over the phone and XXXX XXXX sent me the attached letter confirming the conversation and letting me know that they told Chex Systems to remove this information. In the response I received from Chex Systems Inc this week through the Consumer Financial Protection Bureau they stated that they would not remove the information - this after the provider of this information has told me in writing that they have requested Chex Systems remove this information immediately. I have attached to this complaint a copy of the written communication from XXXX XXXX XXXX Bank which informs me that they have instructed this credit bureau to follow the law under the Fair Credit Reporting Act and to remove the information from my credit file. I have previously supplied Chex Systems with a copy of the letter from XXXX regarding the identity theft and also provided in the previous complaint filed with the CFPB. In XXXX letters I have attached the financial institutions have provided contact information for any third party to contact to confirm any information. In reaching out to XXXX Bank I was told that they also have no record of Chex Systems contacting them to validate this identity theft. To date I have contacted Chex Systems numerous times and spent hours of my time attempting to rectify this situation and have provided written notice with contact information for them to validate my claim of identity theft and to date they have not honored my rights under the FCRA and attempted to validate my claim.

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 2016-06-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Abendroth and Russell, P.C.
State: IA

Complaint narrative:
Also part of this is " Not enough information to verify debt i.e. amount of debt & name of creditor. '' I received my bi-weekly paystub in XXXX 2016 and noticed a garnishment. I contacted my payroll department and they told me they work with this law firm all the time. I reached out to the law firm named ABENDROTH and RUSSELL LAW FIRM to verify the debt. The law firm told me the debt was with XXXX. I have never had a debt with XXXX. I asked the law firm to provide me with the mailing address and original paperwork for the debt. The law firm was unable to provide this. ABENDROTH and RUSSELL LAW FIRM then stated they would send me what they had. I have attached what was disclosed by the law firm ; it still does not validate the debt as I was never with XXXX. 

The last credit card I had, besides the low balance XXXX XXXX card that I have now, was over 10 years ago. If this debt is somehow valid, why is it being garnished today? I was never served in this matter to bring up the statute of limitations. If the collection agency knows where I work then I should have been served. Also, I believe that based on the case numbers provided on the information from the law firm that this is an old debt ( not XXXX ) that I 've already been garnished for. I 'm bringing this second piece in as you will see the case numbers. I have looked the case numbers up and I will be providing the court notes on those. 

1. Whatever the case may be, I do not owe XXXX and ABENDROTH and RUSSELL LAW FIRM does not have any paperwork showing I do. 

2. I need help determining next steps as it appears I 've paid this debt twice - once by the original creditor and also by a 3rd party debt collector. You 'll see the case numbers opened a year apart. Why is this allowed to double garnish someone for the same debt and then re-open the debt in an attempt to garnish for a 3rd time? The court case shows {$0.00} owed. 

3. When this went to court, without my knowledge, why did n't the judge look up the debt to actually confirm it? If this step was taken, then the judge would have found that this debt was paid in full. I also want information on how to take this matter further as who knows how many others have been victim to this same scenario.

Company response to consumer: Closed
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Frost-Arnett Company
State: TX

Complaint narrative:
In XXXX 2015, I paid {$340.00} to remove an item I discovered on my credit report. It was my belief, at the time, that paying it was the only way I was able to get the tradeline removed from my credit report. The collection company told me the account belonged to me and I believed them. My sole reason for paying the debt was to remove the trade line. The company did not make me aware or offer an opportunity to request verification of the account they claimed I owed prior to paying it. Even though, I questioned the validity, I did n't know I could request verification of the debt - nor did they offer. I paid the amount the company stated I owed to remove the trade line, but the company did not remove the trade line as I had requested they do once they received my payment. Representatives of the company were very rude once they got my credit card number. After getting nowhere and becoming frustrated, I asked to be transferred to a manager. The manager was also rude and told me they would not remove the trade line and ultimately hung the phone up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
Check systems is continually breaking the law and they lied to me and when I attempt to have them talk to them North Carolina attorney general or the local police they refused. They have been reporting XXXX accounts XXXX being XXXX and the other being XXXX and they have been reporting this since XXXX. I proved that these accounts were not mine and yet check systems feels it 's in their power to ignore the law or overwrite the law with their policies. When I attempted to correct them they refused and hung up on me. Instead they would rather harm me by reporting known and proven fraud as if it 's mine instead of doing the job that they 're supposed to do and investigating properly. My XXXX account is now owned by XXXX and XXXX has already given me the identification number for them attempting to get check systems to remove the reporting of their account because they know it does n't belong as being reported to check systems. I 'm going to include ChexSystems lies where they say that they contacted the financial institution and verified it in the financial institution says they never called. So I 'm calling to report ChexSystems has breaking the law ignoring the law and thinking their policies supersede the law. I was exonerated of any wrongdoing fraudulent by the police and the courts period ChexSystems seems to feel that a police report has a statute of limitations on how long it 's good for the same offenses. They need to be told very clearly that there is no shelf life for fact in the law and they can not stop doing something because they believe they 're right when they are a XXXX percent wrong. So I 'm hoping that the Consumer Financial Protection Bureau can get check systems to do the right thing and hold them accountable to Breaking the Law because my account was closed because they wrongfully reported XXXX and XXXX up until XXXX of XXXX My First Merit account was closed in XXXX of XXXX because of that wrongful reporting period chexsystem refuses to acknowledge anything except their lies and wrongful treatment of customers.

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 2017-03-03 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Red Cedar Associates LLC
State: CA

Complaint narrative:
I got a call stating that I needed to be home on XXXX/XXXX/17 because XXXX XXXX was coming to serve me with legal documents that I needed to sign because a company was taking legal actions against me and I should call XXXX for more information. I called and the company is Red Cedar Associates the guy said he was collecting for a payday loan company called XXXX I asked him did he buy the debt from them he said no that they are collecting for them and I needed to pay XXXX $ to him today or if I got served with the legal action it would be XXXX plus collection fees and interest fees and that they would win in court because they have my bank information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA

Complaint narrative:
In the month of XX/XX/XXXX I reviewed my credit report from XXXX, and found a hard inquiry from Crown Asset Management , LLC ( C.A.M. ) dated XX/XX/XXXX for a purpose unknown. 

In response to the Inquiry made by ( C.A.M. ), I mailed Crown Asset Management , LLC ( certified mail ) a request for Validation on XX/XX/XXXX and noticed they received my letter ( attached ) on XX/XX/XXXX. 

Crown Asset Management , LLC had no permissible purpose in accessing my credit report and their action of obtaining my credit report constitutes a communication and 'collection action ' under the Fair Debt Collection Practices Act, ( C.A.M. ) had also failed to send me a notice of my right to dispute within 5 days of their first communication violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I disputed the entry made by ( C.A.M. ) with XXXX and received a letter from XXXX in response to my dispute indicating that I need to contact the company that is responsible for the inquiry. Crown Asset Management , LLC also violated the Fair Credit Reporting Act ( FCRA ) in obtaining my credit report without a permissible purpose. 

It has been 34 days and have received no reply from Crown Asset Management , LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
CHEXSYSTEMS HAS A VERY LOW SCORE ON ME BUT CAN NOT TELL ME WHY. THEY HAVE NO ADVERSE INFORMATION IN THEIR REPORT, YET WILL NOT RAISE MY SCORE. I HAVE NOT BEEN ABLE TO KEEP A BANK ACCOUNT OPEN FOR SEVERAL YEARS. I NEED YOUR HELP, PLEASE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
To whom this may concern, This is a follow up to my previous letter sent on XXXX XXXX, 2016 that has not received a response. 

I have become suspicious that there is incorrect and outdating information on my Chex Systems file as a result of identity theft. 

Please provide me with digital copies of my report and further be advised that I have been living outside the country for the past 3 years and have not used a XXXX bank account. I believe my identity may have been stolen by an opportunistic individual with access to my information and knowledge that I am outside of the US. Therefore, I also submit a formal dispute to delete all records submitted to my file within the past 3 years as they are most certainly the result of identity theft. 

I have attached the necessary information to verify my identity. 

Sincerely Yours, XXXX XXXX XXXX

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 2017-02-14 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I signed up for an XXXX store card for my XXXX payments and they automatically signed me up for their Card Security Program which provides coverage in the event of death, XXXX etc. I did not give my consent ( or was not aware of giving my consent ) when I signed up for the card. I received a non-descript notification in the mail alerting me of this and have cancelled my participation by phone. 

Apparently they have a checkbox in the card application process. I do not remember checking that box ( and never would have ), so I can only assume that the box was checked automatically and it was an opt out.

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 2015-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: NVR INC.
State: VA

Complaint narrative:
We began a new home build, VA funded, with XXXX XXXX on XX/XX/XXXX. We agreed with them on XXXX on a interest rate and signed a Float/Lock Agreement and a Truth-In-Lending Statement and a Cost Analysis Worksheet agreeing on all finances for the new home : price, interest rate, and a return of {$890.00} due to us at closing. We were originally due to go to settlement on our new home at the beginning of XXXX. This was delayed to XXXX XXXX. Late in the afternoon of XXXX XXXX, we were notified that the closing would be delayed for an unknown time period while NVR Mortgage awaited receiving tax forms that we signed off to be ordered on XXXX XXXX. While we waited for the tax forms, they also contacted us requesting other forms, some of the forms had already been sent previously. We finally got word that the tax documents had bee received on the XXXX XXXX, BUT they still needed more copies of bank statement, to justify the paying off of bills with the proceeds of our sold home, and other forms in order to complete the process and go to underwriting and the a XXXX hour audit. On Tuesday, XXXX XXXX, we were finally contacted that we would be closing on XXXX XXXX at XXXX and an email stating that we needed to bring with us to closing a certified check for {$6500.00}. We have done a lot of research on this process and this is a standard practice of NVR Mortgage XXXX, VA office. Many other customers have dealt with this occurrence of changing the agreement at the last minute trying to squeeze us knowing that the move out date of our current house is XXXX XXXX, in 9 days. It seems that by questioning us on our funds at such a late date that they are seeing how far they can push us for the funds that they think we have available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In XXXX 2015, I signed up for a Frontier Credit Card. I was told that I would receive XXXX miles as a bonus for signing up for the card. They advised I could turn these into XXXX round trip flights. They advised on XXXX XXXX that I could just book the flight on my Frontier Credit Card, and when the miles where added they would issue a credit for the airline tickets. I have called for 2 months now and still do not have the miles into my account. They gave me a case number XXXX. I spoke to XXXX who stated she was a supervisor and she stated that it should have been credited. 
I believe that this a fraud. I was promised something and after paying a {$79.00} account fee the company refuses to give me the miles. 
My frequent flyer number is : XXXX. 
My credit card number is XXXX

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 2015-07-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XXXX/XXXX/15 our Toys-R-Us credit card was stolen. A total of {$530.00} was fraudulently charged to our card. We were notified via email concerning this possible charge to our account by Toys-R-Us Credit card services ( Synchrony bank ). Although they notified us concerning the fraud via email, they have been less than helpful with resolving this charge on our account. Today was my XXXX phone call in to them ( XXXX ) and they advised me today that due to them not being able to verify my account, the investigation to remove these charges has not even started yet. They requested that I mail in documentation ( not fax, not email ) so that they can verify who I am. Meanwhile, my credit is impacted and I am accruing late charges for fraudulent expense. My other credit card companies resolved this issue within days. This is completely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
I have sent notification to this trustee who is attempting to wrongfully foreclose on my property. By their filing of instruments they are in violation of the Equal Credit Opportunity Act ( codified at 15 U.S.C. 1691 et. Seq. ) and the Fair Credit Reporting Act ( codified at 15 U.S.C. 1681 ). Trustor is exercising his/her right to conclude and inform you that your NOD Instrument does not constitute Notice and is invalid under California Gov't Code 27201 et. Seq. Specifically, the legal sufficiency of the Filed Instrument is disputed and denied by Trustor. Because of this discovery we have demanded that the trustee cancel TS # : XXXX. To this date, and to our knowledge, they have failed to cancel the Trustee 's Sale. 
I believe that if any attempt is made to execute the Trustee Sale identified above, they will be acting with Notice of invalid Filed Instruments and of debt disputed by the Trustor. They have been so advised that, because of and consequent to this Notice of invalid Filed Instruments, " QLSC '' is exposed to full liability, jointly and severally, along with the Beneficiary ( s ) and/or affiliated entities for any damages that may, in the future, be awarded for filing false instruments, breach of contract, or wrongful foreclosure. 
A material defect in the NOD, such as gross misstatement of the amount in default, voids the sale, and the trustee may refuse to convey the trustee deed. XXXX v. Superior Court ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The court in City of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) also stated that : " the purposes of the Recording Statute is to provide Notice ... whether valid or invalid ... if invalid instrument is filed, no Notice is given. '' The Trustors ' rights under both the deed of trust and statute are being violated by QLSC. QLSC was never properly and legally substituted as trustee of the subject deed of trust, therefore, you are statutorily prohibited from asserting any such authority. It is in criminal violation of Cal. Penal Code 115.5, Filing False Instruments. The Filed Instruments identified herein are statutorily defective and false. They were demanded to immediately remove them from the public record permanently and to cause Public Notice of such remediation to be effected immediately. After receiving no response from Quality Loan Service Corp, we mailed them a Notice of Default notifying the company that they were in default on their obligation to rescind the Notice of Default as demanded by the Trustor and were in breach of contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank ( Care Credit ) allowed XXXX XXXX to open a credit line. XXXX XXXX put me ( XXXX XXXX ) as her co-sign for a medical procedure amounting to almost {$4000.00} dollars without me signing anything or being physically present. I, XXXX XXXX have never met nor know who XXXX XXXX XXXX is and I also never gave my consent nor signature for anything involving XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have made several EXTRA payments in the amount of {$500.00} each. There were no late payments or any in arrears. These payments were made with the directive of " apply to Principal only ''. As I noticed, they have been also charging interest on these extra payments. I called them and they told me they deduct interest on each payment made. I originally owed G E Credit for the dental work. They sold it to Synchrony XXXX. When Synchrony Bank started taking my payments, they jacked the interest rate to 28.9 % and they also started charging me {$89.00} for security purposes. After several months, after noticing my amount owed was increasing rather than going lower I called and asked why. They explained and said the would discontinue this charge. That 's when I decided to make extra payments, to lower the bill. I made XXXX extra payments of {$500.00} and noticed they did not apply the payment to the principle balance and charged me interest on the extra payments. I will attach a bill showing the interest deduction.

Company response to consumer: Closed with monetary relief