vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I would like to file a complaint against a collection company called IC Systems INC for adding this fraudulent account to my Experian Credit Report. I never heard of this company before and I never received anything in the mail from this company nor did I receive a phone call from this company This 3rd party collection agency is attempting to collect and allege debt from a company called IC Systems Inc in the amount of {$650.00}. IC Systems Inc. is required by the state of NC to provide a copy of the License and per their website, it does not show a copy of their company License to collect any debt in the state of North Carolina This collection company NEVER once mailed me, a consumer any information pertaining to this alleged debt. This company has violated 15 USC 1692g- Validation of debts because as a consumer I was never given a chance to ask for validation of the debt.

This collection company is also in violation of the 15 U.S. Code 1692c - Communication in connection w
ith debt collection which states " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt '' I will not contract with this company and I demand that this fraudulent account be removed off of my XXXX  Report and I would like to say they do not have my written expressed consent to having this adverse and fraudulent account report to ANY of the major credit bureaus.

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 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have previously attempted on a number of occasions to present my concerns to the CFPB for their own investigation and not the company involved that has violated their customer contract with me. Attached is a copy of my previous complaint below.

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 2021-08-04 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: Rent Recovery Solutions
State: AZ

Complaint narrative:
I disputed that the collection account reporting inaccurate / inconsistent original creditors to two different credit bureaus over 3 times also provide proof to both. The debt collector that's reporting the account verified the account was reporting accurate to the credit bureaus. Even when XXXX  & XXXX  reporting 2 different Original Creditors & also other errors, also as different account status, XXXX reporting a past due account and XXXX  fail to report a past due.

FCRA say the account have to be 100 % accurate, if information on the account is inconsistent how can it be accurate. XXXX  say the Account name is Rent Recovery Solutions, LLC but XXXX  just report Rent Recovery Solutions, that's two different names.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
They call 5 times plus a day after they miss managed the gap insurance and now have decided I owe them a XXXX dollars even after my insurance paid the car off

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 2021-08-04 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: Rent Recovery Solutions
State: AZ

Complaint narrative:
I disputed that the collection account reporting inaccurate / inconsistent original creditors to two different credit bureaus over 3 times also provide proof to both. The debt collector that's reporting the account verified the account was reporting accurate to the credit bureaus. Even when XXXX  & XXXX  reporting 2 different Original Creditors & also other errors, also as different account status, XXXX  reporting a past due account and XXXX fail to report a past due.

FCRA say the account have to be 100 % accurate, if information on the account is inconsistent how can it be accurate. XXXX say the Account name is Rent Recovery Solutions, LLC but XXXX  just report Rent Recovery Solutions, that's two different names.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
HARVARD COLLECTION SERV has been sending me collection notices in the amount of ( $ amount ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was issued a loan commitment letter from Wells Fargo on XX/XX/21 On XX/XX/21 XXXX XXXX nmls Id : XXXX notified that since my debt to income ratio was 41 % i would be denied for the conventional loan i given the loan commitment for although i was notified by another Wells Fargo mortgage representative that the dti ratio can go up to 45 % on their conventional loans. I feel as if Im not being treated fairly and would like some assistance in my case. My credit is a XXXX and i am first time home buyer. Throughout the loan i would be given a interest rate lock agreement thats supposed to lock my rate for 60 days however two weeks later i would receive a new agreement that they want me to sign where the loan interest rate increased from 3.25 % to 4 % and they just sent me another interest rate lock agreement as well. Im now in contact with Wells Fargo executive office and they are aware of my complaints and are assigning a specialist to look into my case the agent i spoke with name is XXXX employee Id number XXXX on XX/XX/21.

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 2021-08-04 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: OH

Complaint narrative:
I, XXXX XXXX XXXX ( CONSUMER ) did not consent to, authorize nor benefit from the following fraudulent accounts. Block and remove them. This Identity theft report was not done in error or a material misrepresentation. If Equifax believes I have received goods or services please have a senior executive certify under the penalty of perjury that I have in fact received goods and services as a result of these alleged transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is about a cancelled flight ticket purchase dispute. 

I bought three international XXXX XXXX tickets using the CHASE UNITED credit card on XX/XX/XXXX. Due to the travel schedule change, I wanted to change time for the booked flight. The XXXX website clearly states there will be no penalty on change of flight due to Covid-19. I canceled this booked flight and then booked another flight on XX/XX/XXXX. But XXXX did not refund me the cancelled flight, instead, gave me points, which will be expire in 2 years. I don't want any points because under pandemics, there will be too many uncertainties for traveling. So I applied on XXXX for refund for my cancelled flight. The refund request was approved and should have been completed on XX/XX/XXXX according to my refund record. However, up until now, I did not get the refund back to my card. 

I disputed this transaction with Chase and the reply was they thought this transaction was valid even after I gave Chase all the documents about my flight booking record, refund request and the approval of my refund. Chase completely is at the side of XXXX and have no protection for its card user. Its investigation disregards the fact that XXXX approved my refund request and don't want to be a middle person to protect its consumer. 
Chase only allowed for a 2 month delay payment because I told them I called XXXX ( after waiting in the line for 30 mins ) regarding this transaction and its approval about my refund request. The rep only answered that according to the record, it really show the refund is approved. Probably wait one more billing cycle for the money and he did not have any authority to look into more details. 

Here are my responses to Chase dispute notice : 1. This transaction is not valid. I wanted to change time of the flight. Not buying another flight. The XXXX should not charge me for another flight. 

2. The refund request was approved by XXXX on XX/XX/XXXX. It took so long until now is not my fault. Why did Chase believe in merchant 's allegation for too long and unwilling to credit back, and not supporting its consumers. 

3. Since Chase believe I have a valid complaint with XXXX on XX/XX/XXXX notice, then the result should be the transaction is not valid. 


Another related complaint is Chase added interests on this transaction during disputed period, which is a violation of CFPB Federal consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
CBB Shouldn't have any of my Medical records It's a H.I.P.P.A. violation. I have no clue who they are and I have zero CONtract or obligation. This is Identity theft.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing, Inc RE : Account Number : XXXX The balance on this account should be reporting as XXXX. This account was foreclosed and sold. Correct or delete this account right away because this is a violation of the FCRA ( Fair Credit Reporting Act ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Multiple inquires on credit report did not apply! 

XXXX XXXX XXXX  Bank  XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX Bank XX/XX/2021 XXXX XXXX Credit Union XX/XX/2021 and XX/XX/2021 and XX/XX/2021 XXXX/XXXX  XXXX  XXXX  XX/XX/2021 XXXX XXXX Credit Union XX/XX/2021 XXXX  XXXX XXXX Auto Financing XX/XX/2021 Experian XXXX XXXX Credit Union XX/XX/2021 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 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My fiancee and I saw a small house for rent on XXXX XXXX, we took a tour in person and then went through the application process. We were approved, signed a lease, and I sent {$1900.00} total to my new landlord via XXXX for : application fees ( {$100.00} sent XX/XX/XXXX ), security deposit ( {$800.00} sent XX/XX/XXXX ), and first month 's rent ( {$1000.00} sent XX/XX/XXXX ). On XX/XX/XXXX, I discovered through public property tax records that my " landlord '' didn't own the home for rent and I was scammed. At this time the debit transactions were still pending, I called my bank PNC and asked them to reverse the charges. I was told that wasn't possible but they would investigate my dispute, and I'd receive a request for documentation in the mail. I received both the request for documentation and notice of rejection on XX/XX/XXXX. I was never given the chance to provide evidence for my dispute. I called PNC again to appeal my dispute, nothing changed. I went to my local PNC branch who said they would contact corporate about my case, and nothing changed. I've had a similar experience with XXXX. I've called many times and never could speak to anyone with authority or who could review my case. I could only contact the correct department through email. I was able to send them documentation but they've rejected my original dispute and my appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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:
An account on my credit report is stating that I have a past due balance and it's reporting negative on my report. The account has been paid off for months now but it's still reporting negative. I call the company that was handling the account and they looked into it and see that I don't owe anything so they sent me a dispute package and I sent it back with all documents that they requested about 2 months ago. I checked my report just recently and the account is still reporting negative.

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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my TransUnion free credit report XX/XX/2021 and noticed that my personal information that was requested to be removed and updated XX/XX/2021 has not been updated. I sent TransUnion a certified Mailing # XXXX on XX/XX/2021 requesting that they update my information with the proper identification within seven business days. To date they have not honored either request.

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 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MD

Complaint narrative:
Last Monday XXXX XXXX my Chime account was locked. Since then, I been calling and emailing with my proof of identity and they still will not unlock my account nor just send me a check for my funds. They keep saying they are working on it or they need another proof of identification. I sent in my driver license, passport and resident card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian continues to report inaccurate data on my account. They keep saying it was verified but that is not true. I contacted the source they said they verified it from and they said it was never reported to them as they do not subscribe to their agency. Due to that it needs to be REMOVED! It was not validated on verified by the ORIGINAL source. My right to privacy has also been violated according to FCRA 15 USC 1681 ( a ) ( 4 ). They don't have permissible purpose to furnish INACCURATE INFORMATION on my consumer report according to 15 USC 1681i.

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 2021-08-04 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: MA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$7600.00} ACCOUNT NAME : COLLECTION ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$570.00} The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX , MA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: WA

Complaint narrative:
Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX, GA XXXX XXXX, WA XXXX To whom this concerns, XX/XX/2021 On XX/XX/2021, my wife and I both filed disputes with Equifax sent by Certified Mail. Both of these Disputes were received by Equifax on XX/XX/2021. ( Copies of both letter/ and Certified Receipts are included here. Along with a complete Identification used in making my Dispute ). In addition, I also sent like Disputes to both XXXX  & XXXX. Where I have received Investigation Results from each using the exact same Identification Information and similar Dispute letters.

Equifax then refused to conduct the Required Investigation on the basis that I needed to provide additional identification in identifying myself. The item you choose MUST contain your complete 9-digit Social Security number. The Certified Credit report used in consideration of a Home Mortgage was provided and clearly demonstrates that Equifax accepted my Identity in selling my Credit Files to them on XX/XX/2021. Which was in turn sold by them to XXXX XXXX XXXX in consideration of a Home Mortgage. Which is clearly stated in my letter of Dispute.

In addition, Equifax also required : Please make a copy of one of the following items. Drivers license. ( see attachments ). Which was noted in my letter of Dispute, twice, and included with the Dispute. Then, you chose to send your Notice to the same Name and Address Equifax claims they have no file on? Which either demonstrates Equifaxs willingness to provide a Notice to some anonymous person you knowingly dont recognize, using my name? Or, demonstrates a Willful Noncompliance with the Federal Law : 15 U.S. Code 1681i Procedure in case of disputed accuracy.

Here Ive demonstrated the exact same information that was required Equifax, a second time. Where I now require that Equifax Delete all of the account information contained in my Dispute for Willful Failure to Investigate said accounts in the prescribed time-frame of, 30 days. As youve clearly SOLD my file to the identical information provided to you. 
Regards, XXXX XXXX XXXX CC : CFPB FTC WA AG File

Company response to consumer: Closed with explanation