vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I would like to take action against I.C. Systems for knowingly violating my rights under the fair credit reporting act - Section FCRA 623 ( a ) ( 5 ) ( A ). I had a debt that was suppose of been taken care of back in 2018. I do not owe this debt. I have fought XXXX XXXX to get this bill credited back to my account. I had XXXX XXXX service in 2018. In XXXX of 2018, i had moved to a different area. XXXX XXXX informed me that they would not be able to connect service in my area do to lack of signal. They said they had no choice to let me out of my contract. They said the early termination fee will be waved in this case. I returned all 3 cable boxes which i enclosed a receipt for. XXXX XXXX applied the early termination fee to my account anyways, along with equipment charges that was returned. I kept calling them to credit these charges back. They finally did in XXXX of 2018. A few years later, i get a bill from a collection agency reapplying these charges. I been fighting these collection agencies because they been illegally selling back this debt when there is no amount owed!!! This is unlawful! Now this collection agency sent me a new bill for the same charges! IC systems has violated my rights by changing the original last day of payment made on this account. The last delinquency date on this account was in XXXX XXXX. I have not made a payment on this account since then. Any past due amounts i have already paid. These charges are for equipment charges which was returned, and for an early termination fee which was suppose to be waved! I have enclosed a few bills i received so you know i am telling the truth. By law, when a collection agency buys a debt, they must keep the original last date of delinquency on the buyers credit report. They are not allowed to change this date in anyway! This is what they call the time of limitations of a debt. The time a debt can legally stay on someone's credit report. They took it upon themselves, and changed this date to the date they bought this debt! This is illegal and unlawful!!! This is not counting the fact that the debt is not even owed! I want to file charges against I.C. Systems for violating my rights under the fair credit reporting act for damages done to my report! I have enclosed documentation for this 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 2021-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Hello, I have been contacted and harassed by a couple companies that I do not owe money to. Additionally, The credit reporting agencies won't remove it since the debt collectors have not conducted a proper investigation and just confirmed it is mine and they have not responded to me in the correct way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Received a letter on XXXX XX/XX/2021 from Southwest Credit XXXX XXXX XXXX, Suite XXXX XXXX, TX XXXX with an unfounded clam that I owed a power company, XXXX credit account No. XXXX a total of {$720.00}. I responded in writing that I did not open that account, I did not and have never had any accounts with XXXX and that I did not own any overdue debts to them or anyone else. 
They responded by sending a copy of the bill from XXXX with my name and some ones else address in another state I have never been to. They made NO attempt to validate if this was a valid charge against me and then filed a debt collection on my XXXX credit report. 
I told them in writing that this not my account, that this was not me and that I have never had any dealing with XXXX. 
This is no more than a strong arm/fraudulent attempt to collect money they aren't owed and don't deserve!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
inquiries were fraudulently placed on my credit reports from XXXX  XXXX XXXX. my personal information was used fraudulently. the inquiry dates are : XXXX XXXX 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 2021-04-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
inquiries were fraudulently placed on my credit reports from XXXX  XXXX XXXX. my personal information was used fraudulently. the inquiry dates are : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: TX

Complaint narrative:
violations of FRCA and HIPPA privacy and discrimination. 

I am a XXXX veteran small business co. I have numerous XXXX. 

On XX/XX/2021, I apply for a discover business credit card online. I have all important information to Discover card service. I am unaware that Discover will put my personal credit. If I was informed from the beginning of the process then I would not have completed the application. 

On XX/XX/XXXX, I called Discover and pointed numerous issues and was told by representative that I should have know that my personal credit hard inquiry would be pull and that I was disapproved for a business credit card because I have been a member with discover for only 9 months and the requirement is at least a year in order to get a business credit card. Where was this information disclosed during the application process. They did not call to inform me of such things as a consumer. The representative informed me that I should have known which lead me inform her of my veteran XXXX such as XXXX and XXXX XXXX XXXX. I believe my FCRA right and HIPPA privacy were violated. The representative disregarded my XXXX and unwilling to work with me. I have asked her to make the exception and talk with the leadership. The rep stated no one at Discover will make an exception. How can a company this big is unwilling to assist a disadvantage small business owner. I believe that she forced me into disclosing HIPPA privacy and discriminated against XXXX veteran. 

Additionally, my credit were locked with all 3 credit bureaus requiring companies to validate that it was me. Discover did not do this because it gave me an immediate " disapproved '' without properly verifying who is on the other end. 

What would have it hurts for Discover to assist this XXXX veteran small business owner?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
Hi, I have been trying to resolve an account since XX/XX/2021, original creditor is XXXX XXXX for the amount of {$5800.00}. I contacted the Bureaus on XX/XX/2021 and they sent me to XXXX. When contacting the lender XXXX XXXX XXXX  ( on XX/XX/2021 ), they couldn't provide accurate information about the account. However, on XX/XX/2021, XXXX XXXX, Collections Supervisor, offered me a settlement for the amount of {$3400.00}. When trying to pay this amount they sent me to the first lender, The Bureaus. I contacted XXXX XXXX, Operations Support Manager at the Bureaus Inc, and they claimed to not have knowledge of the account and sent me back to XXXX. Yesterday, I was contacted by XXXX. XXXX XXXX from XXXX offering me help with the account, but when I called back, they told me that I have to contact the Bureaus. They have been " playing this game '' since XX/XX/2021 when I first contacted XXXX XXXX XXXX. I am really concerned, worried and having XXXX  issues about this account and what could happen if both lenders keep avoiding responsibility and denying the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX I mailed a certified letters to XXXX XXXX demanding them to verify accounts by providing ME a signed copy of the original contract of the following accounts or remove them immediately. 
XXXX. XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX. 
Section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract. 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 XXXX which have not been provided to me. Under the FCRA, if you can not provide me proof of this information, this must be removed immediately.

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 2021-04-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
PayPal has been repeatedly debiting my account and claiming that I still had an outstanding balance of {$510.00} even though I have provided evidence via a transaction statement from my bank that they have deducted the amount in question from my bank account on XX/XX/2021. They have refused to resolve the issue, despite telling me where and how to send evidence and my having complied. They continue to debit my account despite provision of evidence of the alleged amount being satisfied in full. This has resulted in excess fees through my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), this company is required by federal law to verify, through the physical verification of the original signed consumer contract. This has not been produced, nor has account has not been validated, in the allotted timeframe. I have yet to hear a response from company. I demand deletion of this 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 non-monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Froze account because of identity these now I can't access benefits because ex boyfriend stole identity and can't get ncdl until after XXXX. XXXX XXXX XXXX Bank of America prepaid for XXXX XXXX XXXXXXXX

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 2021-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
Med-1 Solutions LLC attempted to call me at XXXX XXXX  on XX/XX/2021 XXXX XXXX  on XX/XX/2021 XXXX XXXX on XX/XX/2021 XXXXXXXX XXXX on XX/XX/2021 XXXXXXXX XXXX on XX/XX/2021 XXXX XXXX XXXXn XX/XX/2021 XXXX XXXX on XX/XX/2021 XXXX XXXX on XX/XX/2021 XXXX XXXX on XX/XX/2021 These are only the calls that come from the official numbers. They have also called from local mobile numbers from XXXX as well as out of XXXX personal mobile numbers. 
I have requested they cease contacting me until I contact them and they have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Target has been having issues with the app lately and I was trying to get a old bank account removed off my credit card and unfortunately it didnt get removed and a payment of {$29.00} went through without my authorization on XX/XX/2021 and today it was returned by my old bank and I was charged another late payment fee of {$29.00} and I called target to see if they can get it waived and it unfortunately they cant do it for me and would put it in a dispute instead which it wont help at all since I have other two disputes open for over 90 days and I never got a credit for them and I would like for my fees to be waived one time I didnt want this payment of {$29.00} to go through and so target put it in dispute but they are unable to provide me a case number which is weird and they removed the {$49.00} dollar payment due which is also strange

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX XXXX XXXX  at XXXX XXXX XXXX, XXXX VA XXXX Has sending me collection notices in the amount of 2600.The collocation has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

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 2021-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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 — Was not notified of investigation status or results
Company: V and H Portfolio
State: CA

Complaint narrative:
I was sent an alert from vance & Huffman flagged my account due to XXXX XXXX XXXX cashing a check in 2017 that bounced. The check was a settlement check and I dont deem I am responsible. I have been at the same address since cashing the check but was nevertheless notified of this issue. The amount is {$84.00}. I think this should be a issue with the company or I shouldve been notified in writing before this being flagged on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flatonia Investments, LLC
State: FL

Complaint narrative:
Envoy Mortgage has blocked all emails from XXXX XXXX and at least one current client. Former loan officers and managers have tried reaching out to human resources, compliance and government issues only to find out our emails are not going through. We are trying to get an FHA case # reassigned and they are refusing our requests, the borrower also reached out to Envoy via email with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I am sending this letter to you in response to a notice I received from you on XX/XX/2021. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX XXXX b ) that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

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 2021-04-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX XXXX a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
In late XXXX, Santander Consumer USA AutoPay correctly deducted XXXX for my auto finance monthly charge. I went into my online account to ensure the payment processed and somehow another manual payment was processed for XXXX. I noticed this on my online bank statement several days later, as it put my checking account balance in jeopardy of being in an overdraft state. I contacted Santander customer service immediately and explained the double payment situation, for which they assured me they would refund the error of the second payment to me, so as not to disrupt my AutoPay setup. I eventually received the credit. 

Today, XXXX  XXXX, I called customer service after receiving an automated email from their system stating there was " a problem making my XXXX payment with AutoPay '' at XXXX on XXXX XXXX. I logged into my account, received a message that AutoPay was enabled, and proceeded to my account, which showed my account now past due and only an option to pay my XXXX amount by credit card or debit card ( no checking account option ) with an associated fee. Customer service advised there was nothing they could do ; it was a " system '' issue. I asked for a supervisor, who never returned my call. The representative informed me that the refunded double payment was noted as " returned ''. Customer service rep advised their actions were in no way reckless or unethical and were in strict conformance with their documentation. When I requested said documentation, I was immediately put on hold for a supervisor, and my request was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAVALRY INVESTMENTS, LLC
State: OK

Complaint narrative:
I get daily calls from Cavalry Portfolio about debt that is not my debt. They have given the name of the person that owes the debt. I have told them several times that I am not the person they are looking for, and have asked them not to call me. They still call and even leave voice mails.

Company response to consumer: Closed with explanation