vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX Date : XX/XX/XXXX Re : Acct # Comenity Bank To Whom It May Concern : This letter is being sent to you in response to recent communication.This is  not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. 

Your legal staff will agree that compliance with this request is required under the laws of California and Federal Statutes. 
In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns. I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. 
I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In addition to this formal letter, XXXX XXXX XXXX stated that they never received any dispute allegations on this noted account but they have been updating the account with and I quote Disputed by customer, customer disagrees since XXXX. XXXX XXXX Services should not have to lie to prove that I am the intended party for this debt. There is no signature or any validation stating I was the party responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30 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: PR

Complaint narrative:
OnXX/XX/2019 I sent a certificate letter to Transunion ( XXXX ) regarding that is currently an inaccurate item being reported on my credit report from XXXX XXXX XXXX   XXXX. I have contacted this company at the address listed on my credit report here. As you can see .I have enclosed a photocopy of my mail being returned from the post office due to an invalid address .Given that the furnisher has provided false information to Transunion about me .and provided to Transunion false address .Despite the proof that I sent to Trasnunion did not want to delete the account that is wrongly reported.I called Transunion on XX/XX/19 and they still saying that the information is accurate because they supposedly contact the creditor. I have requested the method of verification because If I cant contact the creditor by myself how can they contact them if they have the same address that I have? They only said that they use e-oscar or any means of automated verification. So I started to ask them the name, address, and telephone number of each person contacted regarding this alleged account .For my surprise they refused to give me that information. Clearly with the XXXX XXXX Method of verification they cant gave me that information because they don't have it .I told them I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ) .Given that I believe you are acting in bad faith. 
Another thing, in my last complaint XXXX they expressed on XX/XX/19 that it  would take 60 days to investigate the claim .I called on XX/XX/19, they didn't have in the system that I had made any claim regarding the XXXX XXXX XXXX INACCURATE ACCOUNT.

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 2019-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: CT

Complaint narrative:
COMMONWEALTH FINANCE of XXXX XXXX XXXX in XXXX, PA XXXX called me attempting to collect an alleged debt of {$660.00}. I spoke with a woman on XX/XX/2019 at number XXXX at XXXX XXXX approximately. The woman would not tell me what the debt was related to and demanded my social security number which I was not comfortable providing. I told this woman by phone that I would be sending the company a cease & desist letter and that they were to remove all negative reporting as they are not my original creditor and I do not wish to work with them. I sent this company a Cease & Desist letter that I had notarized immediately. I did make a copy of my notarized cease and desist letter should I need to provide proof. I am enlisting the CFPB to help ensure this company respects and acknowledges my cease and desist request and that they terminate all collection efforts. Most importantly that this company REMOVE ALL NEGATIVE reporting to XXXX, XXXX, and XXXX A/S/A/P as they are damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
The bank said I owed XXXX dispute this is fraudulent in it not mine

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 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SIMM Associates, Inc.
State: NC

Complaint narrative:
Simm Associates said they would delete their entry on my credit within 60 days of XX/XX/2019. As of today their reporting remains on all three bureaus. They need to resubmit delete request immediately. Their original response is attached,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On Monday, XX/XX/2019, I opened a checking account online with Chase Bank. On the same day, I made a mobile deposit to that account for a check in the amount of {$2000.00}. The check was written out to me by my credit union. After making the deposit, Chase Bank informed me that the check would be held pending for 9 days. Two days later on Wednesday, XX/XX/2019 I tried logging into my account but it was locked, so I called the number indicated to inquire about the account. Upon calling, the Chase Bank representative informed me that my account had been closed. I asked why it had been closed, and she refused to tell me why. On Thursday, XX/XX/2019, I went to my local Chase branch in XXXX XXXX, AZ to inquire about the situation. The representative I spoke with told me there was nothing he could do and gave me a number to call ( XXXX ) and told me to ask to speak with a supervisor. On that same day, I called that number and spoke with a supervisor. When I asked the supervisor why my account had been closed, she declined to tell me why. I then asked her when I would get my {$2000.00} check returned. She informed me that Chase Bank would mail it to me as a check within 7-10 business days. My credit union, who issued this check, informed me on Friday, XX/XX/2019 that the check had cleared, contrary to the original 9-day pending status as stated by Chase. Chase is now in possession of that {$2000.00} check deposit, and I have absolutely no access to it, and no explanation for why the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: IA

Complaint narrative:
I've received several VA-guaranteed refinance offers in the mail from NewDay USA. First - I am not a veteran or even active duty military. Second - My last name is misspelled. The letter tells me that " you're among a group of veterans selected to apply for a NewDay VA loan for up to 100 % of your home 's value ... ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MO

Complaint narrative:
I was targeted to receive a {$300.00} bonus. I received a flyer in the physical mail ( code is : XXXX ) I took it to my local branch and sat down with a personal banker by the name of XXXX. I gave him the flyer and he did the rest. I signed all the papers and that was it. I was to make 2 or more direct deposits totaling {$1000.00} within 60 days. Did that. I was to receive my bonus in 60 days of DD verification ( XX/XX/XXXX ). I called and spoke with XXXX on the XXXX and the XXXX of XXXX. Both times saying to check back on Friday of that week. The bonus still not showing up. I then called the XXXX #. They said they would e-mail their promotions department. That could take another week! All I want is the bonus in a timely manner. That's not much to ask.

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 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was a Bank of America customer, one day my credit card would not work and I went online and couldnt even log into my credit card account. Confused me called Bank of America and they told me someone stole my credit card info and they needed to close the account and couldnt go over details. Ive PAID EVERYTHING TO BANK OF AMERICA HAVE BEEN BACK AND FORTH WITH THEM and now Im seeing a delinquent account with a balance when I owe this bank/Creditor {$0.00}. I can not stand this bank for how unfairly they have treated me. I thought everything was solved I owe nothing to them and they told me I was all good to go on the phone now I have a balance and it says my balance went up in XXXX when Ive been done with them since late XXXX early XXXX??? FRAUD

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 2019-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: OR

Complaint narrative:
There is a debt collection on my credit report that needs to be removed. Per my credit report it's from : Seattle Service Bureau XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX Amount - {$150.00} I have no idea what this debt collection is for. I have XXXX the company and called and they have no record of a debt for me. I need help having this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Collections, Inc.
State: OR

Complaint narrative:
I bought tires from the XXXX store in XXXX, OR. I paid the balance when I picked up my car using a XXXX XXXX that I had and my credit card. Months later they started sending me credit collection notices. The last notice I received I wrote on the collection notice that I paid the balance in full at time of service. I have not heard back from them and this is showing up on my credit report. I need it removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX sent a cheap battery in place of the real bicycle battery I ordered and tried to say they sent the right one. They even sent Capital One Bank a picture of the right battery!! Capital One first credited my account for the money, but then recharged it. When I sent them all the pictures that they requested and all of documentation, it seemed it just wasnt never enough. Every time I sent them documentation, Capital One would request more or state that it was wrong. I spoke with them and they insisted that it had to be on letterhead, but the letterhead that the XXXX and XXXX XXXX provided was what they used and it wasnt regulation letterhead so it wasnt good enough for Capital One. I tried to explain to Capital One that not everyone has printed letterhead, but no one listened. A lot of shops print their letterhead on their printers. Needless to say, my dispute case was dismissed!! 

This is the water downed version of what happened. Each month, Capital One requested something different. But no matter how many hoops I jumped through, it was never enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: FCN Catalogue & Equipment, Inc.
State: CA

Complaint narrative:
I received a payment reminder 2 days ago when I responded to the text it was then and only then that I learned that the money 's I was to pay them was going to interest and not until the 5th payment would anything go toward the principal that was the first I ever heard of such a thing the terms that I was told and understood was that on {$1000.00} I was going to be charged {$300.00} and the first payment of {$300.00} was due on XX/XX/XXXX which was fine and then the next two payments would be for XXXX and the payment and that they would be directed toward the principal which was {$1000.00} and then the loan will be paid off well their response was that whatever I pay over the XXXX would go toward the interest not the principal and that the principal payments would not begin until the 5th payment which means I would have had to pay {$2300.00} on {$1000.00} loan never ever agreed on this never knew about it had no knowledge about it did not confirm it because I would have said no way they were deceptive deceitful misrepresented the elder abuse and basically a bunch of scam artists and liars and they tell you one thing and then do another thing and try to rob you blind blood money is what they want and blood money is what they've seem to want to get they're disgusting and I even received texts asking them to provide me with this confirmation of such a thing and then I never got it when I can pay it off XXXX dollars if I pay before the XXXX then I got another one saying that they wanted XXXX again if I pay it off by the XXXX and then they process a payment that I never confirmed our date intent to do which was 2 days ago and it made my account overdrawn because I'm on Social Security and the money wasn't even in there and I want to pay them back but but the kids attacked if they use were so deceptive I don't want you anymore I think that they need to pay me for the troubles that they have put me through and the stress to my heart and my physical well-being

Company response to consumer: Untimely response
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: CO

Complaint narrative:
I received notification from a seperate collection agency ( Central Portfolio Control ) that I was sent to collections. I was notified of the charge in XXXX of XXXX, and the default on a loan was in XXXX of XXXX. This was the result of a fradulent charge and identity theft that I was unaware of until I received this notification. 
The current creditor os XXXX XXXX XXXX Original Creditor was XXXX, XXXX XXXX Original account # Internal file to Central Portfolio Balance : {$1000.00} Someone fraudulently opened an online loan in my name from a previous address that I had not lived at since XX/XX/XXXX. I reported to all credit reporting agencies and the collection agency. They said it was a legitimate charge and it is NOT! I provided documentation that showed I was living out of state in XXXX including by tax return and a paystub. They still refuse to remove it from my credit report. IT IS NOT MY CHARGE! 
After I called and left a voice mail with XXXX, I have been overinundated with scammer calls and I am convinced they have sold my data for harassing solicitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I made my Car payment for XXXX and XX/XX/2018 at the same time and TD AUTO FINANCE did not apply my payment for XXXX and placed a late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
In XXXX my then wife and myself modified our mortgage under the HEMP plan. In XXXX my wife and I were divorced. In the divorce decree I recieved our house. My ex-wife also signed a notorized quit claim dead. In XX/XX/XXXX I modified my mortgage again under my name only. My mortgage provider at the time was the XXXX XXXX XXXX. I signed all agreements and provided a copy of my divorce decree and quit claim deed. My modification was approved in XXXX. I am now coming up on the end of my modification time line ( XXXX of XXXX ). In XX/XX/XXXX I am scheduled to have {$6000.00} dollars applied to my home loan for completng the Hemp program. My current mortgage provider now tells me I will not recieve the {$6000.00} dollars because the ( Dod Frank document ) is only signed by myself and does not include both my ex-wifes signature and mine. I have explained to my current mortgage company Select Portfolio Services that I did the current modification under my own name because I am divorced. The Select portfolio supervisor ( XXXX XXXX ) is telling me they will not pay the {$6000.00} dollars because I must have both signatures on the current Dod Frank form. I have explained to Select Portfolio Services over and over again that I am divorced, the house is mine and I did the modification under my own name. He is saying no matter what I must have both signatures on the current Dod Frank appication or they will not pay the {$6000.00} dollars. I feel this is incorrect and the supervisor XXXX XXXX is refusing to take care of the situation due to him being extremely stubborn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX handles Perkins Loans for XXXX University. I have not been a student since XX/XX/XXXX years. I only had sub and unsub direct loans but there is a perkins loan is not mine. Additionally, I received a letter stating that all my institutional loans were forgiven. I reached out to XXXX, Experian and the Department of ED to get the fraudulent entry removed from my account. When I spoke to XXXX they sent me Disclosure paperwork and a Master promissory note that wasn't signed by me and they all had different dates. The dates were also different that what was in NSLD database. I reached out to Experian and gave them all the information regarding and, I see that this loan was reported on my credit report XXXX of this year.After several calls between myself, experian, XXXX, XXXX, and the department, as of today, XX/XX/XXXX, this has still not been removed from my credit report. According to Experian, when I dispute this, they correct information instead of just accepting the dispute. And finally, this loan could not have been mime because i filed for bankruptcy in XXXX and awarded full discharge!! If this was mine, it would have been included ( perkins loans can be included ). This loan is fraudulent and I'm out of options

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 2019-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Back in 2013, my purse was stolen containing all of my personal belongings. It was from this moment on that I have had items appear on my credit report. I ignored these for the most part out of ignorance. However, these have grown to become a big problem on my personal life. I have been combating fraudulent accounts on my credit report for months now, and for the most part, these have come off. 
However, I still have BK and an account that refuses to come off of my Equifax report. I have called Equifax multiple times to let the know that these are not mine. I have talked to the creditors. I have submitted documentation over and over ; And these are YET to come off! 

Please submit this complaint to Equifax and XXXX ( EQ has stated they are getting their info from XXXX )

Company response to consumer: Closed with explanation