vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-05 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: NC

Complaint narrative:
I was contacted by IC System ( Debt Collector ) about a {$40.00} debt that was owed to a Cable provider ( XXXX ). They had the wrong address on file and had an incomplete last name and wrongly spelled first name on file. They said I owed a debt from XX/XX/XXXX but said the actual amount was for equipment in XX/XX/XXXX. I did not use any cable equipment in XX/XX/XXXX. I contacted my cable company ( XXXX ) and they said they do not see any outstanding charges under my name. I believe this may be someone else 's debt because the address was wrong and the spelling was off. I am worried about my credit score and will be taking appropriate steps to contest this charge. I do not understand why I am being notified about a debt date marked as XX/XX/XXXX but it references XX/XX/XXXX equipment. Account number referenced was 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 2017-10-05 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: IL

Complaint narrative:
Equifax allowed unknown hackers to obtain my personal data. I enrolled in their Trusted ID but it is only available for a year. The risk will last forever. The data they allowed to get out is also available at the other credit reporting agencies. They will charge me to put a credit freeze on my accounts and then take it off when needed. Equifax will not pay for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XXXX/XXXX/XXXX {$370.00} XXXX XXXX XXXX XXXX claims there is an unpaid lease charges reported by Toyota Financial Services. XXXX XXXX claims I HAVE TO DISPUTE THE VALIDITY OF THE DEBT within 30 days, otherwise they will ASSUUME this debt is valid. I called their provided number and I have reached is a voicemail. 

I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX all obligations have been fulfilled and their record shows a XXXX balance. 

I have also called XXXX XXXX XXXX today after receiving the letter from XXXX XXXX XXXX XXXX, and confirmed my lease payment has been fulfilled and account was closed since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: FL

Complaint narrative:
Equifax recently started reporting a joint installment sales account under the name " XXXX '' to my credit report and this is not my account. It is being reported as a past due debt of {$630.00} with account number # XXXX. This has never been on my credit report before until recently. I am constantly monitoring my credit for fraud so I got on top of this the moment I discovered this was on my credit. It appears to a be financial advisory firm in XXXX XXXX. What is strange is that I have never lived in XXXX in my life. I have only lived in XXXX XXXX and now XXXX XXXX. My credit report and address history can confirm this. I called this company at the XXXX number provided on my report and they could not find any accounts in my name nor in my husband 's name. Knowing this information, I know that Equifax is clearly making a mistake. The person who assisted me told me that I would need to dispute this mistake with Equifax to get this off my report. This is the reason I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION
State: PA

Complaint narrative:
Wrote letter on XXXX to SYNDICATED OFFICE SYSTEMS that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of XXXX XXXX XXXX ( A ) ( XXXX ). This law requires all creditors and XXXX to notify me by mail before placing negative items on my credit report. Advised SYNDICATED OFFICE SYSTEMS to removed incorrect information off my credit report. More importantly, SYNDICATED OFFICE SYSTEMS are in violation of XXXX XXXX XXXX ( A ) ( XXXX ). Never received any correspondence from SYNDICATED OFFICE SYSTEMS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Wrote letter on XXXX2017 to SOUTHWEST CREDIT SYSTEMS LP that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised SOUTHWEST CREDIT SYSTEMS LP to removed incorrect information off my credit report. More importantly, SOUTHWEST CREDIT SYSTEMS LP are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from SOUTHWEST CREDIT SYSTEMS LP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian and XXXX are not investing nor providing the method of verification for the following item : XXXX BKPT CT IL XXXX / XXXX Additionally, how are Experian and XXXX able to verify what XXXX can not. What is the method of verification and who are they talking to? 

XXXX XXXX XXXX still working XXXX XXXX response is in progress as of XXXX/XXXX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE *XXXX XXXX the complaint, its records and initiated a reinvestigation. *XXXX XXXX not receive any additional communications from the consumer during the review of the complaint. *XXXX XXXX mail the results of the reinvestigation within 30 days. 
Company responded STATUS Company responded on XXXX/XXXX/XXXX RESPONSE TYPE Closed with explanation XXXX 's XXXX XXXX has reviewed your complaint and its records regarding your dispute. Please be advised the disputed Bankruptcy case number XXXX has been removed from your XXXX credit file. Written confirmation has been mailed to you. Please allow XXXX business days for delivery. If you should have any additional questions or concerns in regards to your XXXX Credit Report, please visit us at wwwXXXX to learn more.

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 2017-10-05 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: CITIBANK, N.A.
State: DC

Complaint narrative:
On Sunday XXXX XXXX I called Citibank Master Card department to inform them my credit card was compromised and reported 9 fraudulent charges. Please keep in mind the 9 charges took place in XXXX DC ( my permanent residence ) concurrently while I was on travel to XXXX XXXX. Their fraud department should have picked this up and frozen the account immediately. Citibank should have also notified me regarding the suspicious activity. However, I was the one that notified the Citibank credit card. The account representative took down every fraudulent item and assured me that I was not responsible for those charges and would be receiving a new card by Tuesday XXXX XXXX, XXXX. 

On Wednesday XXXX XXXX, XXXX I check my account on line and I have a new credit card with all the fraudulent charges still active which I reported on Sunday. I called Citibank again and was told that the Citibank representative on Sunday did not flag the 9 fraudulent charges. I was told to repeat them again and spent another hour on the phone reporting fraudulent charges for a second time.

I am writing today regarding a formal complaint that this institution ( Citibank ) be investigated for not responding in a timely to fraudulent charges to not being proactive with their fraud department and for not protecting my financial interests. I have lost all trust in Citibank to perform their duty to protect me and my credit card account. To date I have neither received an e-mail or written confirmation that they are correcting my account regarding the fraudulent charges I 've reported twice to Citibank.

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 2017-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
IN REGARDS TO : SANTANDER XXXX XXXX XXXX. BOX XXXX XXXX XXXX TEXAS XXXX. I REQUESTED A DEBT VERIFICATION AND VALIDATION WITH PROOF OF ORIGINAL CONTRACT BEARING MY SIGNATURE THROUGH CERTIFIED XXXX DELIVERED ON XXXX/XXXX/XXXX SIGNED BY AGENT XXXX XXXX. TODAY WHILE CHECKING MY MAIL I RECEIVED A LETTER OF VALIDATION WITH MY NAME AND SOMEONE ELSES INFORMATION IN THE STATE OF OHIO. I ASLO RECEIVED MY XXXX AND XXXX REPORT WITH INACCURATE REPORTING ON MY REPORT. XXXX TRULY FEARFUL THAT MY INFORMATION MAY HAVE BEEN COMPROMISED AND SANTANDER HAS DONE NOTHING TO RECTIFY THE PROBLEM. NONE OF THE PAPERWORK THEY SENT VERIFIED THE DEBT WAS MINES BUT THEY HAVE IT UNDER MY NAME AND SOCIAL SECURITY NUMBER. THERE REPORTING REMAINS ON MY CREDIT REPORTS AND I NEED HELP IMMEDIATLEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I submitted A Qualified Written Request for Account No. XXXX, XXXX ( Property Address ) to SPS.

In my correspondence ( please see attachment ), I informed SPS that I was making a qualified written request under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) and that I was requesting the following documents associated with my loan ( Account No. XXXX ) : 1 ) Appraisal 2 ) Copies of Loan Documents 3 ) Copies of Property Inspections 4 ) Escrow Statements 5 ) Homeowner Insurance Payments 6 ) Loan Payment History 6 ) Foreclosure Notices, Notices to Cure, Acceleration Notices, etc.

I informed SPS that under Section 6 of RESPA they were required to acknowledge my request within 20 business days and that they must try to resolve my issue within 60 business days. However, I did not receive a response from SPS ( please see attachment ) until XXXX XXXX, XXXX. SPS stated in its letter that since more than a year had passed since SPS had serviced my request, a response would not be provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I submitted a request to have derogatory information removed from my XXXX Credit Report due to the report stating that the account was paid as a charge-off. The amount was paid in full. I received the title and I just would like for the GM Financial account to be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX added a inquiry on my account for XXXX .I did not authorize this. I do n't understand how I could have a fraud alert on my account and keep receiving inquiries from this 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 non-monetary relief
Consumer complaint received 2017-10-05 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: IL

Complaint narrative:
XXXX and TransUnion are not investing nor providing the method of verification for the following item : XXXX XXXX XXXX IL XXXX / XXXX Additionally, how are XXXX and TransUnion able to verify what XXXX can not. What is the method of verification and who are they talking to? 

XXXX CLOSED Company still working STATUS Company response is in progress as of XXXX/XXXX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE *XXXX reviewed the complaint, its records and initiated a reinvestigation. *XXXX did not receive any additional communications from the consumer during the review of the complaint. *XXXX will mail the results of the reinvestigation within 30 days. 
Company responded STATUS Company responded on XXXX/XXXX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Equifax has reviewed your complaint and its records regarding your dispute. Please be advised the disputed Bankruptcy case number XXXX has been removed from your XXXX credit file. Written confirmation has been mailed to you. Please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your XXXX Credit Report, please visit us at XXXX to learn more.

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 2017-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
My account was unreasonably cancelled by the Bank of America. I do n't care they close my account with no reason but I need my money on the account back. The total is XXXX dollars. I call them lots of times from the end of XX/XX/XXXX till now. They told me they will send the check to me, but I am not sure if they really did. I check the right address and phone number. The first time they told me they had made a requirement for sending it. After few days, I called them again to check. They said it was sent out already, but I did n't get it. They asked me to wait but there is no response anymore. I kept calling them to ask, the attitude of customer service is so bad! And they said they still did n't sent out but they can make a requirement again. After three business day, as they said I call them to check again, they still did n't send out. I asked if they can give me a reason why they did n't send it and send me an email when they send the check. They still say no!! They said the check was sent back to the Bank because no one received. That 's impossible! I lived in the residence hall, all the mail will be received by university employees and the Bank mail does n't need signatures. Today, I called the customer service, firstly, a lady asked me do my city have Bank of America, if so, I can just go to the bank and get money. Then I called the Bank of America financial center, the  banker told me I can take my photo ID and get money directly. For making sure, I called the customer service again. Another customer service worker said they do n't have this service and what I can do is waiting. They do n't give me any promise, response and evidence show they have already sent my check. 
My first language is not English. I am an XXXX I do n't know if this is because they think XXXX people do n't know the policy or law, so they intentionally do this to me. This is XXXX. I really want you can help me to solve this problem.

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 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
this company has been calling multiple times a day for months. We have never had any outstanding debt. They have claimed XXXX. I called XXXX, they agree that my account is, a and has always been paid on time and is up to date. I called them back and asked to be taken off their list. They wanted my SSN and other personal information, which I refused to give them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX bank added a inquiry on my account for XXXX XXXX did not authorize this. I do n't understand how I could have a fraud alert on my account and keep receiving inquiries from this 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 2017-10-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
When I first purchased my car back in XXXX of XXXX, the car a XXXX XXXX XXXX XXXX costed {$14000.00}. I put down {$4000.00} in a down payment on my car which would have brought the total cash payment down too {$10000.00} and my payments were discussed with me prior to signing off on any agreement. My notes were suppose to be {$290.00} every month on the XXXX of each month. In XXXX of XXXX I became current with my payments after I signed off on a agreement to extend my lease which never happened but the company has all of the information on their end to when I made an agreement about that. When I called them this past week on Tuesday XXXX XXXX, I was told my car was in the reposession status and that I owed a total of {$21000.00} on my car and that I signed off on a 21 % interest rate with the dealership WHICH IS COMPLETELY FALSE! I had no idea up until this week about the other receipt that the dealership kept that they did not give to me. I only have a copy of the one they have sent to me via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: CA

Complaint narrative:
This company received a letter dated XX/XX/XXXX from me requesting validation documents for account number XXXX. I did not receive any response from this company. I did not receive and validation document ( statement/bill, proof that this debt was assigned to them etc. ) This clearly is a violation of FCRA and FDCPA. Their negligence and none compliance are preventing me to acquire credit. This company is robbing me of my rights which has a great effect on me and my family financially. Attached to this complaint are copies of the letter I sent them last XX/XX/XXXX and the letter I am sending them today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have attempted to file a dispute on the Equifax website many times. Each time, even though I am entering the correct information, I am receiving an error message that my entry ( s ) do not match their records. 

Let me point out that prior to this string of errors messages, I had been able to file a dispute entering the same information. 

Also, I have sent emails as instructed by their error message with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: First Data Corporation
State: LA

Complaint narrative:
I wrote a check at XXXX number XXXX they scanned it thru tele check electronic then keep the check and sent it to the bank so the check got paid twice my bank has sent prof to tele check that it was paid to XXXX but tele check keeps sending me papers saying I still owe them. this has been since XX/XX/XXXX and here it is XX/XX/XXXX and they still are bugging me for payment {$49.00}

Company response to consumer: Closed with explanation