vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CT

Complaint narrative:
I closed my account with XXXX XXXX in XX/XX/2020. At the time I closed my account, all amounts due were paid. This was required since the phone number was transferred to my wife who also has an account with XXXX XXXX. 

I was never informed of any outstanding bills. Not by text messaging. Not by notice of any kind- email or snail mail. 

I checked my credit recently and saw that there was a delinquent report by XXXX in XXXX, XXXX and XX/XX/2020. I tried to call XXXX to find out what the debt was for but they just referred me to IC Systems- a debt collection agency. The XXXX representative said that she could not tell me anything else about the alleged debt and that I would have to talk to IC Systems. I sent IC Systems a letter asking as to proof of the alleged debt and have yet to hear back from them. 

I believe this to be a false debt.

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 2021-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX consumers continues to improperly report past due payment dates to my credit bureau. I have bank records that have the correct information attached. 

Also all past due balances were paid XX/XX/XXXX. On XX/XX/XXXX XXXX again reported false information stating that again, the balance was more then 30 days late. 

My due date for payment is the XXXX of each month. The XXXX is 5 days before the due date. 

After several attempts of talking with XXXX, my complaints have not been resolved since XXXX of XXXX. 

I am seeking to have the information removed from my reports. And if not done so in a timely manner according to Massachusettss Law, I will file a complaint with the Massachusetts AG office and seek punitive damages.

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 2021-01-23 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had several ( 14 ) fraudulent hard inquiries I asked equifax to delete. They did not and stated they were statement of fact and would remain. I submitted a request for information on who was spoken to and asked for a copy of my authorization to have done, since I never authorized. I then went to the sheriffs office in my town and filed a fraud report and submitted to equifax, they still did not delete. I filed a small claims court case against equifax on XX/XX/XXXX. My court date is in XX/XX/XXXX. 
Im calling equifax and they say they dont have a department to arbitrate this, even though the court asked me to arbitrate with them. They make it very difficult to settle this when they are wrong and are negatively impacting y credit file. 
I want equifax to delete all my hard inquiries immediately. Depending on how quickly they do this will determine wether I drop my small claims court case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
All three Credit Bureaus. XX/XX/XXXX, and Equifax are reporting inaccurate information regarding my account with XXXX XXXX XXXX, XXXX. DOLP and account balance are inaccurate. 

Both Equifax and XX/XX/XXXX has responded, but XX/XX/XXXXhas not responded from last compliant on balance and DOLP reported. The balance of {$4900.00} is inaccurate and the DOLP is inaccurate. 

All information provided will be used along with this complaint against all three Bureau in legal action big not corrected ASAP. I'm a litious consumer. This is a violation of my consumer rights and has affected my credit report and credit utilization negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is NOT A DUPLICATE COMPLAINT but a complaint because I do not receive explanations of refusal or denials for my complaints and requests from XX/XX/XXXX Transunion, and XX/XX/XXXX. Nothing. No letters of explanations, no phone calls, no reasoning, no positions ; nothing. I do receive letters from the Credit Reporting Agencies stating that they have forwarded to XXXX XXXX XXXX XXXX who claim that adhere to the Fair Credit Reporting Act ( FCRA ), by reviewing the accuracy and completeness of any disputed item. But they do not do this but simply rely upon XXXX XXXX XXXX XXXX who ignores and deletes all complaints and requests. I have made many complaints against XXXX XXXX XXXX XXXX regarding permissible permission to access my private information that led to a forged loan in XX/XX/2017. However EVERY ONE of my complaints and requests are deleted by simply labeling the requests as duplicate. THE PRIVILEGE OF RESPONDING IS EVEN TAKEN AWAY FROM ME WHEN THEY LABEL AS DUPLICATE. XX/XX/XXXX did send a copy of a forged BUT undated and incomplete application that I guess is their proof of permissible permission that clearly states at the top that incomplete applications are not to be processed. But they do not explain if this application was their proof of permissible permission and why they believe it is valid. Nothing. One of the Credit Reporting Agencies have claimed permissible permission is not required if the results were a loan that benefited me. I had to quickly point out that I received NOTHING from the loan that was a forgery plus I sent sheriffs reports, IRS fraud affidavit, information on the felon who did this but XXXX XXXX XX/XX/XXXXdeletes and the credit reporting agencies feel they fulfill their obligation by sending form letters. XX/XX/XXXX will without a doubt delete this complaint because they are a very big company that doesn't have to follow the laws.

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 2021-01-23 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: DE

Complaint narrative:
We previously submitted a complaint because someone fraudulently used our gift card before we opened it from the original packaging. COMPLAINT ID XXXX submitted on XX/XX/XXXX. 
The company responded that we didnt comply with the 60 day notice period. They did not investigate who used the card. Our card was canceled and we didnt get the money back. How are we supposed to be aware that the card was fraudulently used back in XX/XX/XXXX when the first time we used it was in XX/XX/XXXX. Therefore, we can not comply with the 60 days notice period if no one notified us that the card was used. And they have not identified who fraudulently used the card back in XXXX. We believe it was someone inside the company who had access to our card information who fraudulently used the card. We need our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: PA

Complaint narrative:
This relates to my student loans as it relates to the covid-19 relief forbearances. I was under the impression student loan holders would not have to do anything that this would be automatically set by the loan servicers. Prior to the Cares Act my student loans with AES were in a IBR ( income driven repayment ) I assumed that the Covid-19 suspension would include all government loans ; however I recently received a letter regarding my loans on XX/XX/2021 and this is when I realized that my loans were never suspended but remained on the IBR according to the provision of the Cares Act and the Covid Emergency. 

The letter stated that I needed to recertify by XX/XX/2021 and start making payments by XX/XX/2021 though the Covid-19 Disaster forbearance expires XX/XX/2021. 

However if you contact AES and Fed Loan Services regarding student loans and the Government Covid-19 forbearance through their automated services both companies will send you a email stating that the forbearance may be ending soon not including the correct date XX/XX/2021. In the case of AES no actual date was included in the email, encouraging you to go into a payment plan, it is more like tricking consumers of possibly coming out of the government provided forbearance if they are in one. 

This seems to be true of American Education Services and Fed Loan Services both sent me a similar email which I will attach along with my the IBR Recertify letter from XXXX XXXX. I recently entered into a new IBR with Fed Loan Services on XX/XX/2021. Fed Loan Services automated email communication as of today XX/XX/2021 still states that the Covid-19 Emergency Forbearance expires in 8 days on XX/XX/2021 when it is clearly posted clearly posted on studentloan.gov and other sites related to student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
This account information is Inaccurate and need to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Specialized Loan Servicing LLC will not mail a full mortgage statement without verbally being instructed to do so *every* month. This requires a consumer to sit on the phone for 5-10 minutes dealing with an automatic operator system just to then to be able to speak with a representative for another 5-10 minutes to ask for a paper copy of a statement *every* month. 

When asked why one can't just receive a paper copy every month, as had been received previously from the same company, their response was " oh, it was a business decision, we don't have the infrastructure anymore to do that '' when they clearly do because they will mail a paper copy of a statement after I have to call them to request it *every* month. 

The XXXX section does not specify that a consumer must contact the mortgage servicer every billing cycle to receive a full copy of a mortgage statement, only that a consumer must consent to the method of receipt : in person, verbally, written, or otherwise electronically. No specification exists that a consumer must communicate to the servicer that they wish to receive a full statement repeatedly for every billing cycle if the servicer decides to send a " coupon book ''. 

Specialized Loan Servicing LLC won't provide a consumer with a paper copy of the mortgage statement unless the consumer repeatedly calls them to request one *every* month.

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 2021-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America, XXXX XXXX, Florida has placed false information on my credit report that has prevented me from getting a home equity loan from XXXX. They show unpaid credit card bills for charges I've never made on cards I do not have. They also show charges as unpaid that I paid in person at the bank. 
When I called the president 's office in Texas, the secretary simply hangs up on me. When a male friend called on my behalf the woman answering the call ignores his conversation and launches into a chat about her children ... anything unrelated. 
When I call the Bank of America number supplied on my XXXX Report, one person tells me they'll take care of it, that it's fraud, when I call back another demands I pay the charges I didn't make. 
I spoke to my niece in NJ and she tells me about a similar experience. I think Bank of America should be investigated and major changes made. My attorney suggested I try first to work things out with the bank.

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 2021-01-23 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date ( XX/XX/2020 ), which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
How does my FICO score drop by 20 points when nothing has changed? I utilize my credit card much less and my FICO SINKS 20 POINTS! Experian need 's to get out of the credit reporting field as they are utilizing dated monitoring practices! You can sue credit reporting agencies and as a furnisher under the Fair Credit Reporting Act this nonsense must stop! Thirty point FICO SCORE DROPS FOR WHAT?? Dated reporting algorithm and not to mention lawsuits accuse these systems of reporters of not properly investigating disputes, despite laws and settlements about the issue dating back decades. They have paid to wipe the internet clean of these truths but OUR likes and shares will go a long ways to resolve these crimes. I want these credit algorithms modernized and I likewise want a full explanation as to how to prevent these errors - " we the people '' WORK VERY HARD TO KEEP OUR CREDIT STABLE AND WILL NOT ALLOW THESE PHONY MACHINES TO CONTINUE WREAKING HAVOC IN OUR FINANCIAL JOURNEYS! 

I have filed a formal complaint - this is horrific! 



The XXXX XXXX XXXX has received your complaint and we are currently reviewing it. For your reference your complaint ID number is 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 2021-01-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Account Management
State: WI

Complaint narrative:
My wife received a call and voicemail regarding her potential qualification for a student loan forgiveness program through " Direct Account Management. '' We went through with it and have the understanding they are a scam. They have my checking account info and I am scheduled to make payments of {$200.00} today and on XXXX of each month for the next 5 months and $ XXXX/month for 240 months.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is NOT A DUPLICATE COMPLAINT but a complaint because I do not receive explanations of refusal or denials for my complaints and requests from XXXX XXXX, Transunion, and XXXX. Nothing. No letters of explanations, no phone calls, no reasoning, no positions ; nothing. I do receive letters from the Credit Reporting Agencies stating that they have forwarded to XXXX XXXX who claim that adhere to the Fair Credit Reporting Act ( FCRA ), by reviewing the accuracy and completeness of any disputed item. But they do not do this and simply rely upon XXXX XXXX who explains nothing. They do not explain reason why they did fraud investigation after charging off the account, then reducing the amount due, and leaving me responsible for a sum I could not afford to pay. Most if not all of my complaints and requests are either deleted by simply labeling the requests as duplicate, or stating facts, but never any explanations of why. THE PRIVILEGE OF RESPONDING IS TAKEN AWAY FROM ME WHEN THEY LABEL AS DUPLICATE. I sent sheriffs reports, IRS fraud affidavit, information on the felon who did this but XXXX XXXX refuses to explain and the credit reporting agencies feel they fulfill their obligation by pointing at another and sending form letters.

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 2021-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed some accounts on my credit report with Transunion. One was the XXXX XXXX account because the account is being reported as closed but is actually open. I have attached the billing statement to support the dispute. I also disputed the fact that the XXXX XXXX account is paid in full and closed and is being reported as open with a balance and it was updated with no change. Attached is the receipt to support my dispute that it was paid in full and closed. I have also disputed 3 XXXX accounts as well as the XXXX XXXX account, and it was still updated with no change. Attached it the FTC report to support the claim.

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 2021-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America Master Card charged a {$25.00} late fee and {$8.00} interest charge for the XX/XX/2020 billing period. 
The United States postal service was extremely slow during this period, as is very common knowledge. Their bill was received late and the payment was also likely delayed. 
My payment did show up on the XXXX invoice, so the payment was not so late. Charging late fees and interest when everyone knows the mails are running slow is in itself a scam. 

XXXX, North Carolina 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 monetary relief
Consumer complaint received 2021-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report. As of this date ( XX/XX/XXXX ), which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX data breach whichmay have gotten into the hands of unauthorized individuals.

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 2021-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
This account information is Inaccurate and need to be fixed

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 2021-01-23 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: NCB Management Services Inc.
State: WI

Complaint narrative:
This account information is Inaccurate and need to be fixed

Company response to consumer: Closed with explanation