vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Certegy Holdings, LLC
State: CA

Complaint narrative:
I wrote a check XX/XX/XXXX, # XXXX to XXXX for {$110.00} which cleared my bank XX/XX/XXXX. XXXX ran the check 3 times. As a result I was denied a purchase at XXXX several days later as Certegy Check Services stated I had negative information on file for prior unpaid checks. I called them to find out what it was about. They said check # XXXX to XXXX had not cleared. I told them it had cleared my account. They wanted proof from my bank. I went to XXXX XXXX XXXX XXXX XXXX and had the Asst. Branch Manager fax a letter to Certegy stating the check in question had cleared on XX/XX/XXXXand  my acct. was in good standing. They still would not remove the negative info from my file stating that it would take weeks for an investigation. I asked how am I suppose to purchase food and medicine and they advised me to go the bank and get cash as checks would be denied. So, after calling Certegy many times over the next 6-7 weeks to check the status, I finally received a letter showing all the checks I had written the past two years, and none bouncing, but showed the 3 attempts of XXXX running my one check. The letter also stated that the matter was " resolved and this means that it will will not cause denial of check writing privileges. '' I have been using a new debit card since this mishap started as I was afraid of being embarrassed again at a register trying to make a purchase. Today I didn't have my debit card so tried to make a purchase with my check. I was denied again. Came home and called Certegy and was told I am a risk by first agent. The second agent said it was cause I hadn't written checks for a while, which they told me to use cash. Then I was told in might have been the amount of the check ... {$70.00}. Funny as the same place previously took a check for {$69.00} before all this happened ... I did nothing wrong. XXXX had trouble with their register and kept running my check ... Now I am paying the price. I want my account cleared!

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 2019-11-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
RECEIVED THIS NOTICE. CONTACTED YOUR BUSINESS AND FILED DISPUTE WITH XXXX ( XXXX XXXX ). SHE NOTED THAT DISPUTE WOULD BE FILED. I INFORMED XXXX THE ACCOUNT MUST BE FRAUDULENT SINCE THERE IS NO RECORD I HAVE OF MY EVER DOING BUSINESS WITH THIS CREDITOR. INFORMED HER THAT IN ADDITION, THE ACCOUNT HAS TO BE FRAUDULENT SINCE BANK ACCOUNT WAS CLOSED IN XXXX AND THERE WERE NO OUTSTANDING DEBTS AT THE TIME OF CLOSURE. SO HOW CAN A CREDITOR ATTEMPT TO COLLECT FUNDS ON A CLOSED ACCOUNT WITHOUT NOTIFYING THE ACCOUNT HOLDER? I WAS NEVER CONTACTED BY ANYONE UP UNTIL I REVIEWED MY CREDIT REPORT -- DONE REGULARLY FOR ACTIONS LIKE YOURS! THE ACCOUNT WITH YOUR CREDITOR WAS OPENED IN XXXX AND DELINQUENCY REPORTED IN XXXX -- 4 YEARS SEEMS EXTREME TO LET A DELINQUENCY SIT ON ANY BUSINESS ' BOOKS. THEN IT WAS REPORTED TO YOU ON XX/XX/XXXX. THAT'S AND ADDITIONAL 3 YEARS OF DELINQUENCY FOR SUCH A SMALL DEBT THAT SAT OPEN ON A BUSINESS 'S BOOKS. IT APPEARS YOU ARE ATTEMPTING TO COLLECT ON SOMETHING THAT IS NOT REAL. I SEND THIS MESSAGE VIA EMAIL SINCE IT'S IMPOSSIBLE TO GET A HOLD OF SOMEONE ON PHONE WITHOUT HOLDING FOR 20-30 MINUTES. MY TIME IS FAR TOO VALUABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I called on XX/XX/XXXX and made a payment I called on XX/XX/XXXX and XXXX to fix this issue. 

I need Target to remove that late fee off my credit and correct my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: La Casa Bonita Investments
State: TX

Complaint narrative:
I have been paying a monthly fee to a company called 1File.org, however the transaction on my account always said " Department of Education '' , until 2 months ago. When I start this agreement with the company, 3 1/2 years ago I was lead to believe is was the Department of Education. I was told they work for the Department of Education and will send my application for the XXXX Loan Forgiveness and help with processing and handling my consolidated loan. I made two large payments in XXXX and XXXX of 2016 to start the process of consolidating my loans and applying for the XXXX, I was under the impression that the money I was paying would go towards my loan and they were handling all the paperwork, as the DOE. Since XX/XX/2016 I have paid {$39.00} every month. I was just informed, today, by my loan company that they are a third party company that reapply for me ever year. That I could reapply with them much easier and not need a third party company, after explaining my confusion and explaining who I thought they were I was given this website to file a complain. I have paid of {$2000.00} to this company, and they never submitted a teacher loan forgiveness application for me. Something I should have received years ago.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
Loan Depot has used an excessive amount of time to refund the escrow. Originally they said 20 business days now we they are saying a month to 45 days. This is our money they are holding interest free and without penalty. If we did this they would be charging us penalties plus interest. I fail to see how this can be acceptable under the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank credit card are as follows and I did mail a copy of everything to your facility. 

1. Last statement I received was in mid XXXX. I explained to them what the issue was and was informed by their representative on numerous days til mid XXXX that they would work with me and I had to make a payment on XXXX in mid XXXX which I did and sent in. 

2. Never received a bill in XXXX. However I did make a payment of XXXX on XX/XX/22. 

3. Now they are claiming that I am deliquant when they never sent me a billing statement and are not working with me to correct this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: Nationwide Financial Group
State: TX

Complaint narrative:
Im the victim of identity theft and I dont recognize the account Nationwide is reporting on my XXXX  and XXXX XXXX reports. This inaccurate reporting is damaging my reputation as a consumer with my other financial companies. I have provide an FTC ID Theft Affidavit to XXXX  and XXXX  XXXX and they have both responded saying that verified the account to be accurate without providing any information in its regards to verifying how the account belongs to me.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
A dispute was filed asking for the original creditor name and address, a letter was sent saying they received the complaint, the next day the car was stolen in violation of the cease to collection of the debt until validation which never occurred. I am a consumer/ natural person / human and the ultra vires act prevents companies from acting natural person as an artificial entity. Violation of 15 usc 1692, the GAAP Act, Truth in lending, Fair debt Collection Practices Act, and National Currency Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received several e-mails from Synchrony Bank informing me that there had been payments received on an account which I did not make. and that there had been activity on an Amazon credit account which I do not have.

I tried to contact them by e-mail and by phone but could only get an automated response which did not address the problem. I tried to contact two of the credit reporting companies which asked for my social security number via automated system. I have no Idea how to handle this problem. If some one Is using my personal information to get credit I don't know how to stop 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 2019-11-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I recieved a call from Freedom Mortgage on XX/XX/2019 at XXXX MST. I was on a break so I took the call, and they gave me a pitch about reducing my interest rate by 2.5 points and kept talking about how they have never seen anything like this and that it was so exciting. They even asked why I was not as excited as they were. They said it would be no cost to me and the costs would not be rolled into the loan. I decided to entertain the offer and was answering some questions. Throughout the call they kept saying how exciting this was and how they have NEVER seen this big of a reduction before. My break was almost over and we were not done with the questions. I let the caller know I had to get back to work and was asking for a callback when they straight interrupted me saying they only had a few more questions, and went straight into the next question. I was not happy. I told them I did not want to get in trouble so they would have to call me back, but then I said, " No, you know what? Take me off your list. You're being really pushy. '' Then I ended the call.

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 2019-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
A website call XXXX based in XXXX randomly charges my checking account ( some form of random recurring payments ) amounts ranging from {$20.00} to {$370.00} dating back to XX/XX/2019 where I thought through my bank we had removed these fraudulent charges. Then they began again in XXXX and XXXX totally over {$4000.00}. The most recent ones are just this lack week while I was traveling for work in XXXX and while my bank is working diligently it has been an ongoing problem I can not seem to remedy. I have contacted XXXX and they only say we have no record of you in our system for any services. Any help is greatly appreciated.

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 2019-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I got a notice that Midland Credit Management had taken over a credit card debt. In XX/XX/XXXX, Midland sent a letter and, according to the letter, I could " make small monthly payments over time. I paid and got a statement every month. The last statement was in XXXX and I paid that month. I did not get a statement in XXXX, so I looked for their address on their website. I have continued to make monthly payments. Debt is now down to slightly over {$1000.00} and will be paid up in XX/XX/XXXX. 

I received a notice from the court that Midland is suing me for over {$1500.00} -- I do not owe that amount. Their attorneys have no physical address -- just a PO Box and cell phone. I want them to drop their suit -- Midland has been receiving and cashing my checks every month. There was no notice that the " small monthly payment '' arrangement was changing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY CREDIT SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX XXXX has apparently obtained old collection information from a XXXX account that was removed from my credit report for over 3 years. They have now put it back on my credit report with an opening date of XX/XX/2019. This is illegal re-aging of a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
XXXX  XXXX  AKA XXXX  XXXX says I owe for phone/internet/something service at an address I have never lived at or know anything about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Received 3 emails from Synchrony Bank <XXXX> 1st one stated a trial deposit has been successfully made to your ... 
2nd one stated a trial deposit has been successfully made to your Amazon Creditbuilder Note : This email was sent to you by Synchrony Bank, the issuer of your AMAZON CREDITBUILDER   Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your AMAZON CREDITBUILDER Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, USA. 
This is an unmonitored email box. Please do not reply to this email. 
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/. 

3rd one stated that action was required on my application. 

I see on social media that this happened to a lot of people and it was sent by Synchrony in error. However, this is not an acceptable error as I didn't open any application. Both companies should be investigated for fraudulent activity.

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 2019-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: CO

Complaint narrative:
Best Service Company in collusion with XXXX XXXX XXXX XXXX XXXX XXXX is reporting a debt on my credit report that is not owed. I do not have and never had an account with these morons.

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 2019-11-26 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear ConsumerFinance.Gov : Hello. I haven't been able to get a credit report from any of the 3 credit bureaus for about ten years. A few years ago, I filed a previous complaint with ConsumerFinance. The result was that someone sent me some emails for a few months, apparently trying to emotionally smooth me. Nothing ever happened from her email messages, since I still am not able to receive a free credit report from any of the 3 credit bureaus. Also, I am unable to update my personal information or remove false information. When I get online at their websites, I am told I need to call a phone number. When I call that phone number, I am told to either go online, or submit paperwork to them through the postal system, or submit identity documents to them by email. I do whatever they ask, and the result of it all is that the 3 credit bureaus say they can not verify my identity. I submit everything and more, with beautiful museum quality documents, and still, they can not verify my identity, with my most current driver 's license, SS card, birth certificate, current voter registration, passport landing page, current car registration, current car insurance, recent bank statements, and recent mobile phone billing statements. No matter what I submit to them, they claim they can not verify my identity, claiming it doesn't match their records. They refuse my accurate records. I am a USA-born, USA citizen, speaking perfectly fluent English and having the most elegant communication skills, and the 3 credit bureaus can not verify my identity. Please help.

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 2019-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 


XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, 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 2019-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF THE WEST
State: CO

Complaint narrative:
XXXX XXXX XXXX in collusion with Bank of the West XXXX XXXX is reporting a debt on my credit report that is not owed. I do not have and never had an account with these 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