vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I received a letter from I.C.System, a collection agency, XX/XX/2021, demanding that I pay THEM {$59.00}, naming the creditor as XXXX account No : XXXX. I.C. System XXXX XXXX : XXXX. 
I called XXXX, talked to a representative called XXXX, who informed me they had NO information regarding the {$59.00}, and that my account was current. 
I called I.C.Systems XXXX XXXX XXXX XXXX to dispute the billing. The rep informed me that they had received the request from XXXX 14 days ago. Obviously, not true. When I called him a scammer, he replied " I'm sorry you feel that way ', and hung up Their address is : I.C.Systems, XXXX XXXX XXXX, XXXX XXXX, MN XXXX I don't have an account with you, but my e-mail address is 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 2021-04-23 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This is a formal complaint against XXXX located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian should not be reporting the XXXX XXXX XXXX partial account number XXXX on my credit report. I never received any bill from XXXX XXXX XXXX. I contacted the bank and they informed me that I enrolled in paperless statements and I never enrolled in paperless statements and therefore was not aware that this account even existed and any payment was due. XXXX has removed this item completely and is reporting correctly. Please remove this line item from Experian. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-04-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have sent several correspondence and have called Wells Fargo several times and have not received an answer. First letter was dated XX/XX/XXXX and then another letter dated XX/XX/XXXX. I filed a complaint directly over the phone with Wells Fargo today XX/XX/XXXX as well. 

I am asking Wells Fargo to remove my paid account from the 4 credit bureaus XXXX XXXX XXXX XXXXnd XXXX. The Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit reports. 

Wells Fargo please remove account # XXXX from XXXX XXXX 's credit reports as soon as possible.

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 2021-04-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX  does not service my loan and after consistently sending letters that have all been returned, I just now realize that this company is out of business! This company has never serviced nor held my loan! This company was fined by CFPB for fraudulent activity regarding peoples credit report!

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 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
The original creditor close the account/charge to account off. The account was close back in XX/XX/19 XXXX. I wanted to know how Midland credit management was able to acquire my account since it was closed. I know this that if an account goes into default, the original creditor has to right to write that particular loan off in full as a credit loss on their taxes. I wanted to know is the original creditor forfeiture their right to write this loan off on their taxes. I feel that this is wrong, Midland credit management has no skin in the game but seems to me is looking for a way to receive free money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, my free annual Equifax credit report request was delivered to the following by Certified mail XXXX XXXX XXXX : XXXX. 

Annual Credit Report XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX I have not received my Equifax credit report in the 3 months since my request was delivered. 

Last year ( XXXX XXXX, the SAME THING happened and I never received my Equifax report that I requested last year. 

XXXX XXXX XXXX, my XXXX XXXX, sent her request for her free annual Equifax credit report. She also did NOT receive her Equifax report. It was sent by Certified mail XXXX XXXX XXXX : XXXX. Her SSN ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — 
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
XXXX XXXX paid off but bank still collecting on it. Payments sent via email and mail to bank to proof payments for every month and correction has yet to be done. Credit report is showing 2 late payments that were covered and paid off completely, reducing FICO by XXXX. This is the second time the bank makes this mistake but this time they wont fix it and return the extra money paid effecting my credit- it has been over 30 days since they first mark and dispute.

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 2021-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
Receivable Mgmt Group is listed on my credit file and I do now owe for any type of medical debt. It's showing {$460.00} and I don't owe this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: KY

Complaint narrative:
Missed payments reported because of the ic storm in texas shut down the payment XXXX XXXX is showing missed on all 3 credit reporting agencies..multiple call and letters and disputes still not corrected..

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 2021-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
We have been paying out mortgage payment however out processing center Lakeview Loan CarXXXX Service has not been making out property taxes or insurance payments out of escrow. We have already contacted the company multiple times as well as the XXXX XXXX XXXX and nothing has been done to correct this issue.

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 2021-04-23 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: American First Finance, Inc.
State: WI

Complaint narrative:
Per FCRA 623 ( a ) American First Fiancial is in violation of the FCRA. The company is under obligation to only report accurate and updated information. Sending a consumer a copy of contract does not excuse the company for said violation. My account with them has been satisfied in full via Chapter XXXX Bankruptcy. The company has received copy of discharge paperwork and has blatantly refused to update the account to credit bureaus accordingly. Per 15 U.S. Code 1681s-2 Information can not be reported incorrectly. Since the account and the debt associated with it has been satisfied via Chapter XXXX Bankruptcy, the company is knowingly in breach. They are obligated by law to either delete this account and/or update to state " closed or satisfied '' verses " derogatory '' and to delete the payment history, as well as balance. American First Financial 's continual refusal to comply with the laws will allow me to seak punitive damages should they continue to violate the FCRA by knowingly providing inaccurate information to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
XX/XX/21 rocket mortgage/quicken loans would not provide a home loan estimate. I was told to verbally agree to this and was unable to show me the loan estimate. I kept asking why he was unable to do so when other companies did without hesitation. I clearly asked him, do I need to pay you 500 dollars in order to get this loan estimate and he said yes. I explained to the loan officer how this didn't make sense and made it harder for me to shop around. He avoided explanation and further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
XX/XX/2021. The amount was XXXX. Then i was call back in a couple of weeks to do another loan.I told the person doing my loan i was getting ready for XXXX 1 at the end of XXXX. He told me to get a letter from the Doctor and turn it in. That the XXXX XXXX was pay for the loan until I go back to work. Tower Loan in XXXX Ms. say they said don't want pay because it was a existence problem. But i told them about the XXXX before ni signed the contract. Please Help Me.

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 2021-04-23 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: Sequoia Financial Services
State: CA

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Seq Fin Servces 2XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: TN

Complaint narrative:
I have contacted Experian and the Creditors XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original 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 non-monetary relief
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERISAVE MORTGAGE CORPORATION
State: OK

Complaint narrative:
On XX/XX/XXXX AmeriSave mortgage pulled a soft credit report on me without my consent. I called and confronted AmeriSave about this. I spoke to XXXX XXXX XXXX XXXX XXXX XXXX she said '' The XXXX XXXX contacted them and told them I wanted to refinance. I requested for refinance in XX/XX/XXXX. AmeriSave did a soft pull of my credit on XX/XX/XXXX I was denied because of my low credit score. I did not give The XXXX XXXX or AmeriSave permission this year to pull my credit. Yet, on XX/XX/XXXX AmeriSave did a soft pull on my credit. AmeriSave and XXXX XXXX XXXX receive an equity loan check on my house in the amount of {$38000.00} someone forged my name and my wife 's name on the check. The XXXX XXXX applied to the principal or so they allege.

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 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The event begin occurring as of Thursday, XX/XX/XXXX, at XXXXam. 

A lady, who identified herself as XXXX and calling from a blocked number, indicated that she was a representative from the XXXX XXXX XXXX dispatch office. She then proceeded to ask me if I was home and if XXX was my home address. I told her no, and asked what this was in reference to. She mentioned she was in possession of legal documents to deliver to my home and that XXXX XXXX  XXXX were the legal entity. I then requested for the XXXX XXXX XXXX phone number, and she gave as XXXX. 

I immediately call that number and was greeted by an individual named XXXX. He mentioned a case number, in addition to the amount that was apparently in question. He said that XXXX XXXX XXXX was suing me a credit card amount, dating back to XXXX. He began to become irate when I questioned him about the statue of limitations which I thought was odd. He also indicated that if I had the means, I should just make a payment to him over the phone. This was also a red flag, as I was then asked him why would I do that if the office I called was a law firm? Is it standard practice for law firms to collect payment 'FOR ' entities they represent? I then asked if he was a credit debt collector or law firm, and he replied law firm. I then requested to speak with his lead and he hung up the phone. I called the number back and this time he had a very nasty attitude and indicated that I could not speak to anyone above him, and in fact the reason he gets paid the big bucks is to handle 'individuals ' like me. We ended the call, and I proceeded to call my local precinct. 

I was told by the precinct that no one makes phone calls to individuals from the dispatch office, and neither does the Constable 's presiding office make phone calls to request confirmation of one 's address in order to serve any legal instrument. 

I've also since called the XXXX XXXX XXXX bank to confirm understanding of what was told to me about a particular account, as there is no such card on my credit report. The representatives confirmed that the account is no longer with XXXX and there is no active litigation in process with the company the loan was sold to. 

I have since contacted the Federal Trade commission and all 3 credit bureaus to place alerts on my SSN. However, I'm concerned that these black market cyber pros will take my SSN and try to do something harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: Park Hill Holdings
State: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX performed an extra hard-pull when I requested to have my boyfriend added to my existing least. I was informed that they would be doing a 'soft pull '. When I questioned the rationale for needing to perform a soft pull on my credit again ( after the original hard pull when I signed my original lease on XX/XX/XXXX for a XXXXr lease ) I was assured that a soft pull would be made, which does not have much impact on your credit score. After confirming again that it was actually necessary ( as the second supposedly soft pull was to be made only 7 months after the initial hard pull for the XXXX lease agreement ) I said 'ok ' so we could proceed. I felt funny about allowing another pull, even if it was supposed to be a soft pull but trusted the Property Management company was operating under professional ethics. Upon checking my credit report soon thereafter I made the discovery that a hard pull had been made again on my account ( dated XX/XX/XXXX ). 

Once I realized the hard pull rather than soft pull had been made, I attempted to resolve the matter, multiple times, directly with both the property management company XXXX XXXX. XXXX ) and through their hired tenant screening company XXXX XXXX XXXX XXXX XXXX. I was unable to resolve the matter using this approach. Today I logged on to XXXX again and inquired via Live Chat how I could go about disputing the mistake directly with XXXX. I was instructed to resolve the matter directly with XXXX  XXXX and/or XXXX XXXX XXXX. When I reported that I had already attempted to resolve with these companies, and what my options were, I was told that if I were to file a dispute directly with XXXX, I would receive a letter stating that my only option is to resolve directly with the entities who made the hard inquiry. So, I'm stuck. I am unable to receive assistance from either XXXX XXXX or Rental Property Solutions directly so I am seeking guidance now from the CFPB in hopes I can better understand and resolve the issue. As I begin looking to purchase a home, having the most accurate and timely information on my report is of the utmost importance. 

Thank you for your time and help with this important matter.

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 2021-04-23 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: Affirm Holdings, Inc
State: MT

Complaint narrative:
I sent AFFIRM a letter on or about XX/XX/2021 & as of todays date, AFFIRM has not responded or resolved the issue. I had a AFFIRM loan in great standing that was paid in full on our about XX/XX/2021. I obtained another loan from AFFIRM on or about XX/XX/2021 and they have failed to report the current/outstanding loan to the credit Bureau & report all of my on-time monthly payments.

Company response to consumer: Closed with explanation