vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: OH

Complaint narrative:
IC systems Inc is trying to collect a debt for XXXX. This debt is not owed. Account was paid in full when closed. XXXX continued charging account after closure. Contacted XXXX, who agreed the account was overcharged. Bill was sent showing XXXX balance. Soon after XXXX  ( collection agency ) attempted to collect the XXXX debt. Disputed debt and it was removed from credit report by both XXXX and XXXX. Account was sent to a different agency and attempt was made to collect fictitious debt. Disputed again and both credit agencies again removed debt and put in place measures to keep XXXX from further attempts. Now IC systems ( collection agency ) is attempting once again to collect fictitious debt. XXXX investigated and apparently they think the debt is valid. Not sure how they came to this conclusion without contacting me. I have seen several reports of XXXX using this tactic to collect money from former customers, I suppose in hopes that people will give up and pay to avoid the repeated harassment by collection agencies.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
According to 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXXXXXX A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
This is a violation of this law. 
I did not authorize the company to put transactions and the account on my credit report and they violate this law, I want this account deleted 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 non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I had aloan with XXXX XXXXXXXX XXXX XXXX The loan was transferred to NewRez. 
I continued making payments as scheduled to XXXX XXXX XXXX and NewRez stopped applying the payments. 
I contacted New Rez starting in XX/XX/2023. I thought i was getting somewhere when the communication stopped. The last communication was me sending document of payment that has not yet been applied. 
It has been 5 months with my unanswered inquiry. 
2 payments of {$2100.00}. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XX/XX/XXXX : I paid {$10000.00} with Care Credit and {$700.00} via check, so a total of {$11000.00}, for my upcoming XXXX XXXX XXXXXXXX. XXXX XXXX  office is XXXX, XXXX XXXX XXXX XXXX. XXXX  's name is XXXX XXXX XXXX. I was told that the provider is out-of-network with XXXX. 

XX/XX/XXXX : claims totaling {$8600.00} billed with XXXX XXXX 's XXXX number and {$2800.00} billed XXXX XXXX XXXX XXXX 's XXXX number were processed by insurance. XXXX  's office billed insurance twice for the same date of service and procedure codes under different individual XXXX  numbers rather than having just one claim with XXXX XXXX 's XXXX number. XXXX XXXX was the provider that performed the XXXX XXXX XXXX XXXXXXXX. XXXX, as well as others, assisted. 

XX/XX/XXXX : Received refund check of {$4800.00} from provider with no ledger. 

XX/XX/XXXX : Finally received ledger from provider. This is when I noticed the improper billing practices. 

XX/XX/XXXX : Filed a dispute with Care Credit due to provider 's improper billing and insurance fraud. 

XX/XX/XXXX : Dispute closed because service was " not paid for by other means. '' Filed new dispute. 

XX/XX/XXXX : Dispute closed again for same reason. 
/ XX/XX/XXXX : Dispute closed again for same reason, but no letter was provided. Dispute decision final. 

Care Credit is claiming that services were not paid for by other means. However, according to my XXXX, my total patient portion, for both claims, is {$690.00}. Provider refused to honor contracted fee schedule with insurance and billed me for the write-off amounts. 

However, Care Credit said that if the provider was found to be billing improperly, the provider is responsible. Despite proving that the provider is committing insurance fraud and billed me incorrectly, Care Credit refuses to take any action.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and found many fraudulent accounts in my name that are affecting my ability to obtain fair credit.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The customer reporting agency, Equifax, I asked for correct verification Equifax does not tell me who or how was this account verified this account is not reporting the date of last payment. The date of last payment would be the date of the first delinquency. The date of the last payment is not showing or reporting, which makes this account inaccurately verified. The date of the last payment would be the date of 1st delinquency. This account was not verified. Actual proof of when the last payment is needed. Date of last payment received, form of the last payment was it by check or credit card, and time is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I informed JPMCB CARD SERVICES THAT I AM A VICTIM OF IDENTITY THEFT!!! and they responded by saying that this account is verified, this is impossible, I am the only one who can verify any account on my credit report!!! This account is an unauthorized account, its a product of my identity being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account XXXX XXXX is not mine is supposed to be deleted off my credit report from numerous disputes. It keeps appearing up and now its popped up and said the first day of the delinquency was XX/XX/2024. This is theory for the information reported on my 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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account XXXX XXXX is not mine is supposed to be deleted off my credit report from numerous disputes. It keeps appearing up and now its popped up and said the first day of the delinquency was XX/XX/2024. This is theory for the information reported on my 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 2024-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My escrow account went up significantly by over XXXX per month beginning XX/XX/year>. It is mainly due to an increase in taxes so I attempted to call Mr. cooper daily since XX/XX/XXXX. I have tried live chat but it states no one is available. I have called their customer service and it is impossible to reach anyone. I would like to pay my own taxes so that I can be more involved to reduce this tax burden. I am a XXXX XXXX XXXX in Georgia therefore I should be able to argue this burden. I do not know if I have the right to remove my mortgage from escrow and I cant reach me cooper. I have had to put my home for sale because I can not afford the increase. I am not happy with mr cooper and feel I have no recourse. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I sent Equifax a letter bureau to investigate every piece of information on the account I have listed blew, Also I have attached the letter I sent out. According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a customers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the customer reported on or with other with he is acquainted or who may have knowledge concerning any such items or information. The credit bureau stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law, Also every piece of information on these accounts are still not reporting 100 % accurate, and according to the FRCA 15 1681 everything has to be 100 % accurate.I have the credit report showing the inaccuracies. This is ground for remove able. The credit bureaus stated. my accounts was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate and dates last reported is not accurate. They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction. XXXX  account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXXthese accounts was reinvested and they still not showing 100 % accurate by law these accounts should be deleted immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo provided credit card and paper checks. On the front page of their correspondence, they state " low intro apr - O % intro apr for 21 months from account opening on purchase and balance transfers. '' The contractor who installed a new roof and helped me apply electronically for this service in order to finance the cost, ( XXXX XXXX  ), after completion of installation, sent me an email on ways to pay. " In person with cash, Credit card ( 3 % processing fee ), or by check. I chose to pay by the checks supplied by Wells Fargo along with the credit card and the above company statement.However when I received a statement From Wells Fargo it included a {$570.00} fee for what they refer to as a balance transfer, which I just used the provided check to pay the balance that was due the contractor. I believe this is deceptive!

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and found many fraudulent accounts in my name that are affecting my ability to obtain fair credit.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and found many fraudulent accounts in my name that are affecting my ability to obtain fair credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I missed a payment because my father has been XXXX since XX/XX/2024. He is scheduled for XXXX next week. He needs my care and I am on FMLA leave until he recovers from XXXX. I finally paid {$2100.00}. to my XXXX account to bring it up to date. And right after it posted, they lowered my credit limit by the amount I paid. I now have an available credit equal to the remaining balance. My credit limit was {$2700.00}. and I paid {$2100.00}. and now the avaiable credit limit is {$880.00}. which is the remaining balance. So from a credit profile perspective, the credit bureau is reflecting this account is at its credit limit to punish consumers when they are most vulerable. No notification and communication so that they get their money, and ensure the consumers pays dearly with their financial futures. This is unethical and shameless. Consumers who rely on credit to survive, and in my case, care for the XXXX, can not be cast out like a torn kite in the wind. 
If they would have informed my that my credit limit was being lowered, I would have kept some of the money for my fathers care. Just paid minimum payments going forward and use the financial resources for food, shelter, necessities, etc. They did not notify me they were going to lower it by the amount I paid. I want my {$2100.00} cash refunded and my balance restored and i will make minimum payments instead.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The customer reporting agency, XXXX, I asked for correct verification XXXX does not tell me who or how was this account verified this account is not reporting the date of last payment. The date of last payment would be the date of the first delinquency. The date of the last payment is not showing or reporting, which makes this account inaccurately verified. The date of the last payment would be the date of 1st delinquency. This account was not verified. Actual proof of when the last payment is needed. Date of last payment received, form of the last payment was it by check or credit card, and time is needed.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The customer reporting agency, XXXX, I asked for correct verification XXXX does not tell me who or how was this account verified this account is not reporting the date of last payment. The date of last payment would be the date of the first delinquency. The date of the last payment is not showing or reporting, which makes this account inaccurately verified. The date of the last payment would be the date of 1st delinquency. This account was not verified. Actual proof of when the last payment is needed. Date of last payment received, form of the last payment was it by check or credit card, and time is needed.

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 2024-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
A collection from Jefferson capital systems llc was put on my credit to be exact XXXX and XXXX  as a collection/charge off i have no knowledge of oweing any dept to Jefferson capital systems llc also i didnt receive a 1099 about a charge off im in process of building my credit and this unknown dept has took my credit score down tremendously and by law 15 usc any dept that arrives on your credit that u have no knowledge of without your consent should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very distressed that your agency continues to include information on my credit file and has not maintained reasonable procedures in your operations to assure the maximum possible accuracy with the reports published. 

You have continually failed with every dispute I submitted to your company and your neglect has violated my rights. 

Since it is apparently clear that you are unable to investigate and re-investigate properly I will assist. 

This account was allegedly charged off in XX/XX/2024. However Equifax is stating for the same month a OK payed status for the month of XXXX and XX/XX/2024. 
INACCURATE YOU MUST DELETE When I submitted the first dispute regarding this account it has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NO'T include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
INACCURATE YOU MUST DELETE Under 15 U.S.Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 

Your improper procedures are highly damaging to my credit score. 

This inaccurate account was sold to a third party company and not reflecting a XXXX ( XXXX ) balance which is a misrepresentation of the account status. 
INACCURATE YOU MUST DELETE Please review attached with third party information. 

Not only listing of aforementioned reasons this inaccurate account is reporting XXXX percent inaccurate and reporting inconsistent balances across bureaus which includes : 1. Inaccurate Balance information 2. Inaccurate Payment History 3. Inaccurate Date of last payment 4. Inaccurate Date of last activity 5. Inaccurate Date of opening 6. Inaccurate credit limit I could go on and on with additional numbers of inaccurate information that you failed to investigate but I will leave the rest for you. 

I have spoken to representatives in your company and was informed on a recorded line that if I want additional information from your company regarding the accuracy of the account and proof that I was to contact the creditor directly. Please explain how your company is reporting inaccurate information furnished by the creditor and the same inaccurate information is being reported to other bureaus. Please explain how you are illegally violating the rules of the Fair Credit Reporting Act by allowing this to continue. 

Please review attached documents of a side by side view of the inaccuracies that this alleged account is reporting to other bureaus. 

This accounts date of first delinquency illegally being changed to manipulate the statue of limitations Please review attached documents. 

I am demanding a permanent deletion of the following account : XXXXXXXX XXXX

Company response to consumer: Closed with explanation