vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I.C. Systems was hired by XXXX to collect a debt that doesnt exist. 

I sold my XXXX home and moved in XX/XX/21 and had disconnected services, paid my bill in full and returned all equipment that I had been using at XXXX XXXX XXXX. 

I am extremely upset that this collection is on my report and the company is refusing to take accountability and remove it, as it is false. I do not owe any money to XXXX, I have paid What was owed and returned the equipment. This collection crushed my credit by 100 points and caused me to be denied for a mortgage. Not too mention, Ive had issues in the distant past with this collection company. Theyre dishonest and shady, bullying people into making payments that arent owed. 

I want this removed from my credit report and repaired 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 2021-09-30 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have written and called Experian several times about the account at XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX is reporting to Experian as a charge off but is showing a balance. Not only are they showing a balance, this account has been sent to a collection agency. They are also reporting C/O each month on my Experian report to reset the last date of activity. I have explained this to Experian several times via phone and letter. They have yet to remove this account for inaccurate reporting.

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 2021-09-30 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have inquiries on my report from Amex XX/XX/2021 & XX/XX/2021 ( XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XX/XX/2021 ( XXXX ) , XXXX Auto Finance XX/XX/2021 ( XXXX ) , XXXX XXXX XXXX XXXX XX/XX/2021 ( XXXX ) XXXX XXXX XXXX XX/XX/2021 ( XXXX ) and XXXX XXXX XX/XX/2021 ( XXXX ) all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: RI

Complaint narrative:
I applied to refinance my loan with Amerisave Mortage https : //www.amerisave.com/ I filled out the paperwork and they replied with a 30 year VS 15 year I wanted. The person serviceing the loan said no problem and cancled that application and created a new one for me. However instead of using my address of XXXX XXXX XXXX XXXX RI. He used XXXX XXXX XXXX XXXX RI. I missed the change of town, ( yes my fault and I eSigned the document ). 
I received a call from a XXXX XXXX who owns XXXX XXXX XXXX XXXX RI thinking it was a scam. We talked and discovered this. 
While I recognize my responsibility in missing the address change, I did not fill out the paperwork for the second 15 year loan Amerisave did. And now my and my wifes SSN and banking information was sent to the wrong address.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I've demanded a copy of all information on my consumer file from each credit reporting agency and have yet to receive this information. According to 15 USC 1681g, I am entitled to all information on file ; sources and report receipts upon request. Attached, you will find a scanned copy of my USA passport ID card in accordance to 15 USC 1681h.

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 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX/ XXXX XXXX Date XX/XX/XXXX Balance {$0.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX  Opened Date XX/XX/XXXX Balance {$17000.00} XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I have been attempting to get my statement from Comenity/XXXX  since XXXX. I have not had a statement since XXXX and I have reached out to them several times and have gotten nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : DEPT OF ED Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
This pertains to all 3 credit report agencies XXXX XXXX XXXX and equaifax. I have extremely important questions about the credit reports that they have sent to me as requested im yet and still waiting on XXXX XXXX after multiple weeks. I absolutely can not get anyone to help assist me on the matters. Either my phone will ring and immediately hang up or I will get someone for 3/4 mins and the call drops., or I can never get through to get anyone! This is constant and my results every single time! Either my phone and line is compromised or this. No help! I have incorrect information on my account unknown countless insurance companies and utility providers all around the world auto loans loan notes dhs on my report, home loans, mortgage loans, financial counseling services, installment loans, sociL service agencies credit grantor credit card services and credit insurance.all unknown and does not pertain to me! Misspelled name on account, business and numbers fraudulent activity improper use of my account and sharing of informative delinquent and paid full unknown accounts. Missing basically my entire report of information that should be listed 6 different name id 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: Synovus Bank
State: FL

Complaint narrative:
This is my first time making a complaint with you guys, not sure what is needed or how to go about this. I have been back and forth in a dispute with the company First Progress Card. I have contacted the XXXX  with my complaint. I have provided any & all documentation and proof that one can alongside XXXX to resolve this dispute and to prove my case. First Progress continues to ignore the information provided, they continuously reply back stating that they need " proof that they were cashed by their remittance department ''. XXXXXXXX XXXX manager and I have already exsplained several times to the managers and in the dispute via XXXX  that all payments were NOT made by a check or money order. The payments were made with cash via XXXX & wire transfers, therefore the only documentation that can be provided is the exact date, time, amount and of course the tracking ( reference ) number of that wire. I have paid all of my bills on time to this company for the past year ( including these in question ). I was told by them that they did not receive 2 months of payments from me ( which XXXXXXXX XXXX manager and I have provided proof off ). They not only have made me pay the actual bill 2x but also have added late fees both times which I have also paid each time. I am now forced to either pay another late fee on top of all of this or continue ruining my credit as this is a secured card that was " suppose to be increasing my credit not damaging it. I will provide all screenshots of out conversation ( s ) via XXXX  dispute for more detailed information. If ANY other information is needed, that XXXX, the XXXX  or I can provide, I would be more then happy to provide that upon request ( as we already have ). This has been ongoing for months now and needs to be rectified. I have also read other reviews about this company with the same issues alongside of not being able to cancel out the card and get their deposited back, which I am assuming will be the next issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America accounting ending in XXXX. 

on XX/XX/ I reported my card lost and my charges on my card fraudulent. However, since the " chip '' was used on the credit card bank of America decided this was not fraud which is completely disregarded my claim which is lazy and untrue. See the attached letter. I did not have the card. I was not in XXXX XXXX, XXXX, XXXX  XXXX and XXXX XXXX in one week time.

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 2021-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Hello my name is XXXX XXXX and I have student loans with citizens bank and I pay through XXXX. I was on time with my payments until the past couple of months, I ran into a problem with this because I went to go down and refinance my student loans with citizens. I was told everything was handled and I even signed the things I was supposed to. I told them hey lets get everything out of the way signing wise so I dont have to go back and the worker said okay. I was told in XXXX my payments were going to be XXXX a month they have never been XXXX its still at the regular XXXX. So with this I was paying the wrong amount thinking it was the right amount which made me late in my payments to the point to wear its hard for me to pay. Im just looking to be reimbursed for my troubles with this company one and for all I would refinance to another company but my credit is shot because of this whole situation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
So, Synchrony Bank has placed a lien on a vehicle that I paid for in cash outright. I have the evidence to support that and the dealership is a witness that said fact. I have the temporary title ( because I never received the permanent one from the dmv ), the retail certificate receipt of sale, the wire transfer receipts, etc. Also, my insurance company and myself have confirmed with Synchrony that I have no loan or account with them nor do I have any relationship with Synchrony of any kind. However, something that would take them all of ten minutes to do ; Which, is issue me a lien release document ; they simply refuse to do. They have refused to assist me in any way but the FDIC says I would have to retail legal counsel in order to pursue a quiet lien and that is simply unacceptable primarily given because I cant afford that ; Moreover : why do I have to fight so aggressively over something that OBVIOUSLY belongs to me? This is not okay and Synchrony is instigating an egregiously hostile environment. { lease assist me in this matter so I can have this fraudulent bank removed from MY title of MY motorbike. Thank you.

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 2021-09-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Acra Intermediate Holdings, LLC
State: FL

Complaint narrative:
I was laid off due to XXXX XXXX and fell behind on payments. 
i applied for mortgage assistance from the lender Citadel servicing Corp. 
They sent me a reinstatement letter for {$45000.00}. i did not have it. 
i recently got a call from XXXX XXXX who said that Citadel was prepared to take {$30000.00} in XXXX as deposit. I told her that i did NOT receive any such call for email. 
She said she would find out what could be done. I told her i could pay {$40000.00}. 
She did not get back to me until yesterday, almost a month later with a reinstatement letter for {$75000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
I have a home mortgage loan through AmeriSave. My loan number is XXXX. 

The original loan starting on XX/XX/2021 was for {$320000.00}. 

I made two monthly payments for XXXX and XXXX of {$2000.00} each, meaning XXXX principal payments of around {$560.00}. 
I made a {$10000.00} principal payment in XXXX. 

That means the remaining principal balance should be around {$310000.00}. 

AmeriSave lists my outstanding principal balance as {$310000.00}. 

I have messaged them through their online portal 6 times since XX/XX/XXXX and no one has responded. I have called numerous times and spoken to AmeriSave representatives who say they will fix things and that they issue will be resolved within five days. Every five days, I check back in and things remain incorrect. The numbers often change but they are always incorrect. 

My next monthly payment is due on XX/XX/2021 and I do not feel comfortable sending this company anymore money. I have until XX/XX/XXXX to make a payment without penalty. I'm hoping to have this remedied by then. 

As a side note : AmeriSave incorrectly listed the address of my home on the loan documents. I have managed to change the mailing address but they have not changed the loan documents. The loan documents do not list the unit number. 

I tried to get that addressed during the run-up to closing and it was never fixed. Closing was a whole other ordeal, but I don't want to go into that right now. 

Thank you for your assistance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XXXX when I changed mortgage companies from a 30-year mortgage to a 15-year mortgage Trans union dropped my score by 33 points on XX/XX/XXXX with no apparent reason. After a dispute they raised my score by the 33 points and had no explanation. On XX/XX/XXXX my score went up by 45 points, on XX/XX/XXXX it dropped by 45 points. Overall, my balances decrease every month as when I make payments, I always pay at least two times as much as payment requested. For example, if XXXX has a minimum payment of {$220.00}, I send {$500.00}. My payment history on cards and mortgage is impeccable and my credit utilization is low about 35 %, I also have no negative items on either a mortgage or creditor. All my balances were decreasing. My score is like a roller coaster. I am a XXXX XXXX and the activity in the XXXX  is off the charts again, so I do not need this aggravation on top of it. it is funny that when I canceled my paid service with them the score dropped, and roller coaster began. I did refile a complaint but am at a loss because it keeps dropping as my balances decrease, my payments on time. I also complained that there were unauthorized inquiries on my account they never responded. I feel frustrated and always had score in the good range, now in poor range, when I have always paid more than a creditor requested on a monthly bill. Any help would be appreciated. My scores with XXXX nd XXXX are not a roller coaster. 
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 2021-09-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX & XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
OneMain Financial XXXX XXXX - XXXX XXXX XXXX XXXX, Texas XXXX Employee from the office listed above contacted my place of employment and left a message on a General Voicemail for the company - on the voicemail the employee stated my name, that she was from One Main Financial and that I needed to contact her immediately to make payment on my account. This is a general voicemail for the company and not my direct voicemail - Furthermore, I submitted a formal request to XXXX XXXX previously to remove all of my contact information and to cease and desist in any phone related contact. I did not share or provide my current employment contact information either. 

Completely unacceptable to call my place of employment when the information was not provide and a formal request was acknowledge and accepted by the Manager of this office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
Received multiple calls within minutes of each other at XXXX ( I live in XXXX  because I'm in the XXXX  ) from COAST PROFESSIONAL INC. . I called back after almost ten minutes to inform them they were calling before XXXX XXXX  and that they're not legally allowed to do that. I am not the person they are attempting to get ahold of and they even released some information without verifying I was the person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
all of a sudden a collection showed up on my credit reports, I never received any notifications or mail regarding this debt. 

I did not recognize it so I called the company, they told me it was an ER visit for my son I told them my son has XXXX and there is no copays, also my son is an adult They asked me to send his medical insurance information and I did,

Company response to consumer: Closed with explanation