vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FMA Alliance, Ltd.
State: UT

Complaint narrative:
I received a collection notice from FAM Alliance Ltd on a debt that I included in my recent chapter XXXX bankruptcy and was XXXX. The letter arrived after my bankruptcy was XXXX on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/2018 I received a credit report notification saying that Portfolio Recovery Associates is reporting a Collection Account on my 3 primary credit reports. They allege I owe XXXX XXXX XXXX the amount of {$1400.00} That debt is not mine. I asked for debt verification but they can not verified the account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
This attempt to collect a debt that is not mine. This company contacts me by being served at my home. On a car I had 7 years ago the car was repoed 7 years ago. The company I got the car from went out of business 7 years ago. I had nothing to do with this car after that. Until this year I got served saying I owe money for it being stored and towed off the streets in a whole other county I dont live in and I have had nothing to do with this vehicle for the last 7 years. This place called Kelstin Group is now withholding my income. Please help me. I have talked to DMV and the company trying to sue me. Dmv says they have no right to sue me over a repo they took and I have nothing to do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo sold its checking and saving business in four states ( XXXX in my case ) to XXXX XXXX. I initially setup this checking and saving account when I was living in XXXX, but I moved out of XXXX  8 years ago. Now because of their business deal, my checking and saving accounts at Wells Fargo were closed on XXXX XXXX of 2018, and new checking and saving accounts are created at XXXX XXXX. The problem is, I have been living in XXXX XXXX for many years, and XXXX has my current address in their system for years. The consequence of this conversion is that, I don ; t have a bank to go to because there is no local XXXX XXXX in my state. I have to create an new checking and saving account at my local Wells Fargo bank and setup all the direct deposit and bill pay. 

This significantly affected my ability to receive salary and pay bills on time. I believe this is very unfair to me and Wells Fargo should ask for my permission firstly because I don ; t have a local XXXX XXXX in my state.

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 2018-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I open an account with this CC back in XXXX and have been on time with my monthly payment till I closed my account in XXXX. I recently shopping for tires online and the website that I going to buy those tires offer finance and its the same CC but I was denied even if I have been on time paying my bills with the same CC company. This just prove that Credit history is really not important

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 2018-12-02 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
There is an issue with Synchrony Bank, this bank practices ethics that hurt consumers. On my credit report I have five Synchrony Bank account cards that have been closed by the creditor. These credit card accounts are XXXX  XXXX, XXXX XXXX, XXXX XXXX and Care Credit. Every one of these accounts closed by Synchrony bank have never been late. Still Synchrony Bank has closed all five of these accounts and hurt my credit scores. Instead of having credit cards with longer timeframes and more credit to improve my scores. Synchrony continues to drive down my credit scores for no valid reason. My wife was diagnosed with XXXX and we had alot of medical bills while reduced to one income for a long time. However we paid every bill and never filed bankruptcy. We have been working hard to rebuild our credit but Synchrony Bank continues to set us back over and over again. Synchrony Bank needs to answer for every one of these accounts. 

Synchrony Bank XXXX XXXX - Opened XX/XX/XXXX Synchrony Bank XXXX XXXX - Opened XX/XX/XXXX Synchrony Bank XXXX XXXX - Opened XX/XX/XXXX Synchrony Bank XXXX XXXX - Opened XX/XX/XXXX Synchrony Bank Care Credit - XX/XX/XXXX Every one of these account never late and never missed a payment. I want answer from Synchrony Bank as to why they take this action to hurt us consumers. I want action taken against Synchrony Bank for this inappropiate conduct. My credit scores would b 80 points higher if not for consistent closure of credit accounts by Synchrony. This bank needs to be heavily fined or it must correct its mistakes for closing my accounts. Please take the appropiate action against this company.

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 2018-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In XXXX I was contacted by XXXX XXXX XXXX, a collection agency representing TD Auto finance, regarding a debt owed. After several conversations with a representative at XXXX I was able to come to resolution that would satisfy the debt in full. On XX/XX/XXXX I paid the agreed upon amount of {$5000.00} and received correspondence from XXXX indicating the debt had been satisfied however TD Auto finance is still actively collecting on this debt. I have attempted to contact TD Auto finance but I am being referred back to XXXX as two entities can not collect on the same debt. XXXX is unable to assist me as they show the debt as paid in full. I am requesting relief/assistance from the CFPB as I no longer owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: TX

Complaint narrative:
I requeated to be put into a income based repayment program in my annual renewal for this type of loan. It was brought to my attention that there was a particular plan that would lower my oayments based on my income, and that it would require me to prove my annual income by uploading a pay stub to probe my annual income. In the course of doing so I was told that my loan would be put in forebearance while getting this done. I was later informed that because all of my information was not on one page that I would need to resubmit to prove it was actually my income information. I didnt have a computer at the time, and my company, XXXX did not report the income info in a way that could be screen shotted to upload as a single page tying my name at the top with the rest of my screen shot of subsequent reporting. I attempted to upload it again. And again was told it eas not adequate. I finally printed it out and screen shotted it on one page and reuploaded at work were I had access to a printer and comouter so I could format it in an acceotabke way. As my second forebearance was running out I called in and was told that the upload team was unable to upload my document, even though I received a message when it had uploaded, like the previous multiple uploads, that it had uploaded successfully. So I uploaded it again while on a call with Ed Financial. Same way. Same document. This time I was told I would need to take out another forebearance to cover more time needed to process the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Around XXXX or XX/XX/2018 i seen a ad about companies that can help you boost your credit score if you pay them a monthly fee. For instance XXXX XXXX ( online book company } will give you a XXXX line of credit that will report to the credit bureau for XXXX a month. you are paying them just to report to the credit bureau to increase your tradelines which is a rip off they offer online books that you have to download. noone purchases the books its just a rip off to get your money monthly. they report on yur credit report under XXXX. they have a sister company XXXX XXXX that sells merchandise like XXXX, they gave me a XXXX line of credit i have never use these accounts. i have since establshed my own credit and i have advised them i no longer want to use their services. which is really a bias company that reports to the credit bureaus as if they are giving you a line of credit but they arent giving you anything just reportng to the credit bureau and want you to pay them monthly to report to all 3 credit bureaus. i stopped paying them and they have since deemed my credit report. i am asking that all 3 credit bureaus to remove both XXXX accounts from my credit file. Because they are illegal. i will not continue to use them afer i advised them several times i will not continue to pay them XXXX a month for nothing, just to report to my credit bureaus that i have a account with them something that ii can not use and never use,. basically people are paying XXXX just to report to their credit monthly as a fake trade line. I asked them to cancel my service and when i did. and didnt pay thry reportred me as a missed payment. there is nothing to miss. i have never purchase anything from XXXX XXXX please read the attached documents. they are a company that reports fake tradelines and consumers pay them a monthly fee for nothing. Please remove from my credit file al 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
Previous complaints have been settled with my mortgage company ( Ditech ) They canceled the {$210.00} additional forced flood insurance policy after realizing I had already taken care of the additional coverage they requested with my own flood insurance company ( XXXX XXXX XXXX XXXX ). They did say my escrow account has a shortage of around 70 something dollars and in the past they have given me the option of paying it and I do that in order to keep my monthly payments from going way up. Thanks for your time and help because it seemed no one was listening to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Around XXXX or XX/XX/2018 i seen a ad about companies that can help you boost your credit score if  you pay them a monthly fee. For instance XXXX XXXX ( online book company } will give you a XXXX line of credit that will report to the credit bureau for XXXX a month. you are paying them just to report to the credit bureau to increase your tradelines which is a rip off they offer online books that you have to download. noone purchases the books its just a rip off to get your money monthly. they report on yur credit report under XXXX. they have a sister company XXXX XXXX that sells merchandise like XXXX, they gave me a XXXX line of credit i have never use these accounts. i have since establshed my own credit and i have advised them i no longer want to use their services. which is really a bias company that reports to the credit bureaus as if they are giving you a line of credit but they arent giving you anything just reportng to the credit bureau and want you to pay them monthly to report to all 3 credit bureaus. i stopped paying them and they have since deemed my credit report. i am asking that all 3 credit bureaus to remove both XXXX accounts from my credit file. Because they are illegal. i will not continue to use them afer i advised them several times i will not continue to pay them XXXX a month for nothing, just to report to my credit bureaus that i have a account with them something that ii can not use and never use,. basically people are paying XXXX just to report to their credit monthly as a fake trade line. I asked them to cancel my service and when i did. and didnt pay thry reportred me as a missed payment. there is nothing to miss. i have never purchase anything from XXXX XXXX please read the attached documents. they are a company that reports fake tradelines and consumers pay them a monthly fee for nothing. Please remove from my credit file al 3 bureaus.

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 2018-12-02 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Around XXXX or XX/XX/2018 i seen a ad about companies that can help you boost your XXXX XXXX if you pay them a monthly fee. For instance Ox XXXX XXXX online book company } will give you a XXXX line of credit that will report to the credit bureau for XXXX a month. you are paying them just to report to the credit bureau to increase your tradelines which is a rip off they offer online books that you have to download. noone purchases the books its just a rip off to get your money monthly. they report on yur credit report under XXXX. they have a sister company XXXX XXXX that sells merchandise like XXXX, they gave me a XXXX line of credit i have never use these accounts. i have since establshed my own credit and i have advised them i no longer want to use their services. which is really a bias company that reports to the credit bureaus as if they are giving you a line of credit but they arent giving you anything just reportng to the credit bureau and want you to pay them monthly to report to all 3 credit bureaus. i stopped paying them and they have since deemed my credit report. i am asking that all 3 credit bureaus to remove both XXXX accounts from my credit file. Because they are illegal. i will not continue to use them afer i advised them several times i will not continue to pay them XXXX a month for nothing, just to report to my credit bureaus that i have a account with them something that ii can not use and never use,. basically people are paying XXXX just to report to their credit monthly as a fake trade line. I asked them to cancel my service and when i did. and didnt pay thry reportred me as a missed payment. there is nothing to miss. i have never purchase anything from XXXX XXXX please read the attached documents. they are a company that reports fake tradelines and consumers pay them a monthly fee for nothing. Please remove from my credit file al 3 bureaus.

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 2018-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I fell behind on my XXXX account with Comenity Bank at the end of 2017. I called to setup arrangements to bring the account current. They were taking payments every two weeks out of my checking account, still charging me monthly late fees and reporting my account as missing payments. I even made additional payments on top of the ones that they had scheduled, only to see no positive results in lowering the balance, for it was all eaten up by continuing late fees and increased interest rates. So basically I was paying them to charge me fees for the next three months, while adversely effecting my credit score. I was fighting a losing battle, while losing lots of money in the process. This never brought my bill down, or current. It was just their way of penalizing me for falling behind on my payments for a period of time, before allowing me to pick up where I left off ( which is what I initially asked them to allow me to do. So, I went from owing approximately {$800.00} to nearly {$2100.00} to date. They currently have my minimum payment due at {$530.00}. I send them {$50.00} a month which basically cover the monthly {$35.00} late fee and very little of the interest charged on this account. The balance gets higher every month & they are constantly reporting my XXXX account negatively and as unpaid each month. Theyve also gone in and closed other store accounts that I had through Comenity Bank, that were in good standing and paid as agreed, thus causing my credit scores to lower even more. I need to get out of this bottomless pit situation. At this rate, I will never pay them down and I will continue to see my credit scores drop. I need an arrangement that will result in closing out this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Charged a Over draft fee when the account never went negative. transactions on XX/XX/18 supposedly caused an over draft fee. but ending balance for that day was XXXX with the opening balance on XX/XX/18 was XXXX no where in my statements or ledger does it show her account going negative i have screen shots of this to provide if needed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing this letter to request the reimbursement of bank charges for bank erroneous levy of my XXXX XXXX XXXX XXXX ( XXXX ). 

On XX/XX/XXXX, the Wells Fargo Legal Department withdrew {$580.00} from my Wells Fargo checking account and charge me a legal processing fee of {$120.00}, as a result of the legal order in the amount of {$3400.00} from the Franchise Tax Board. As soon as, I found out I called the legal department to explain my financial situation and also contacted XXXX XXXX Department to set up a payment plan ( {$65.00} a month ), which was accepted. Since XXXX, I have been receiving XXXX. The XXXX XXXX  became my only income. ( A copy of my XXXX XXXX XXXXXXXX Award letter is in the attachment for your reference ). Therefore, the funds in my bank account were coming from XXXX and should be returned to me immediately. Also, Wells Fargo Bank is well aware of the regulations regarding XXXX citizens on XXXX XXXX XXXXXXXX. How much do they collect annually for charging the outrageous {$120.00} fee for processing liens against federally XXXX customers. I would bet it is substantial. The fee should be refunded accordingly. Thank you for your time and consideration. I may be reached by phone at XXXX XXXX XXXX XXXX or email. I look forward to hearing from you soon. 

Respectfully, XXXX 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 2018-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AZ

Complaint narrative:
I show on my credit that I owe XXXX XXXX XXXX XXXX XXXX dollars. Over the last 3 years have gone back and forth with them, that I do not own this debt. I return the equipment and it was received on their end. No one will fix it and than now it is showing up on my credit. I am please asking to finally remove this off my credit as I do not owe this balance and it is unfair to my credit. 
Thank you for your help in advancw

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation