vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX Regarding : Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It XXXX Concern : I am writing a letter about my experience with XXXX that is a mixture of a grateful " thank-you '' and a pressing request concerning a XXXX Charge Card tradeline in my credit files that I would like to have revised. 
I received the XXXX card in XXXX, several years before I experienced the death of my late mother to stage XXXX XXXX XXXX. Later when I experienced the death of my mother, I became disorganized with respect to making timely payments with XXXX as it was a very hard time for me in my life where everything just stopped I lost who I was where I had to even get checked into a mental health hospital for 15 days. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with XXXX that time. 
To be honest, that year was a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the XXXX card late entry -- are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, XXXX that I am determined to keep spotless. 
We are about to shop for a mortgage, and it has come to my attention that the late notations from XXXX XXXX preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with XXXX, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption at XXXX, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter. 
Very hopefully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The complaint is with Amazon store card, Synchony Bank. I reported that somebody has charged over {$500.00} on my card. They started an investagation and cancaled the card. Then they sent me another one. This was 2 months ago they said that I wasn't responsable for the charges. Then over 60 days later they sent me an overdue bill for {$350.00} so I called them and said that you didnt finish the fraud charges and I recieved overdue another bill. I did not make the charges.They need to find out who did it and stop hounding me for it. I did not make the Amazon charges.

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 2021-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Debt was paid on full XX/XX/2021 Dispute filed on XX/XX/2021 and including confirmation that payment was made. 

Company did not verify accuracy of debt with original creditor and is still trying to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My credit score has suffered significant damage due to an error made by Bank of America. 


I called Bank of America in XX/XX/2021 to close all of my accounts with them. The representative I spoke with told me everything would be closed and my accounts would no longer exist. 


Over the next few months, I received scattered emails from Bank of America about my account statements, saying I had a balance of " {$0.00} '' or things to that effect. Since my conversation with the Bank of America XXXX representative had reassured me that my accounts were closed, I interpreted these emails as confirmation that the account closure was complete and that I'd fall out of their automated messaging system shortly. 


In XX/XX/2021, I received a letter from Bank of America 's collections department telling me that I owed them {$170.00}. A call to their collections department revealed the actual balance was on the credit card account which I was told had been closed, and amounted to {$210.00} ( from a balance of {$100.00}, with {$100.00} in fees and interest ). 


I was shocked to find this out- for 9 months, I had thought my accounts had been closed. I explained this to a Bank of America representative at the Collections department, who connected me to someone from the Fraud department, who in turn stated that she would close my account and start an investigation into whether the charges are fraudulent. 


A few days later, I was notified by my new bank that my credit score had dropped into the 650s ( previously it had been over 800 ). The reason for this drop was a new " serious delinquency. '' The timing for all of this could not be worse as my family is in the process of moving and I will need to apply for a new mortgage soon. 


Regardless of where they originated from, these charges and the subsequent damage to my credit score are the result of an error made by Bank of America.

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 2021-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
For the last few years I have had a credit card for the XXXX XXXX  retail store, administered by Comenity Bank. Unlike all of my other credit cards, Comenity did not offer an autopay feature on this card that would allow me to schedule to pay the full balance on the due date every month. This is how I schedule all of my recurring payments, from my mortgage to my credit cards to utilities. I asked Comenity why they did not offer this service and they could not provide a satisfactory answer. This should not be a difficult feature for a large financial services company to administer, and my understanding is that they offer the service on other retail cards that they service. 

While it may not be illegal, failing to offer autopay is in my opinion to make it more difficult for consumers to pay their account on time. It is not a consumer-friendly practice. As a result, I paid my account balance of {$68.00} XXXX XXXX late on XX/XX/2021 was assessed a {$35.00} late fee and a {$1.00} finance charge. So essentially I was charged 51 % of what was the underlying account balance. 

I closed the card account after that because I felt that I would continue to be charged late fees in the absence of an autopay feature. I moved to dispute the late fees, but the account has continued to accrue late fees on top of the original late in every subsequent month, despite the fact that the account is closed and the underlying retail balance of the card has been paid off. While the cardmember agreement seems to permit this, I do not think it this practice is ethical or decent as my account is accruing late fees that are not attributable to funds that were actually borrowed from Comenity. They are just stacking late fees on top of late fees, and these fees continue to accrure even as I dispute the charges. On XXXX I submitted a {$36.00} payment to cover the original late fee and finance charge because I acknowledged that my paayment was late, albeit by only XXXX days. I asked them to close out the account and cancel any subsequent fees, but they refused. 

My understanding is that very recently Comenity has finally started to offer an autopay feature on this account. But this came only after years of refusing to offer the feature and inquiries on my part as to why it was not offered. It's my contention that XXXX XXXX and Comenity collectively decided not to offer autopay for many years as a way of increasing revenue in the form of late fees and finance charges to the detriment of consumers like me who no intention of carrying an account balance. Again, this may be permissible under their cardmember agreement, but I think that their collective actions constitute predatory lending practices and there should be regulations in place that require lenders that administer revolving credit to offer an autopay feature to borrowers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I got a credit card from Wells Fargo which I never applied for it

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 2021-12-05 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
Submitted dispute claims that XXXX banks that are being reported with information that is incorrect, not mine & /or accounts opened fraudulently. I have proof of the most recently submitted disputes where received verified by usps certified mail. The 1st time i submitted my disputes for these XXXX banks, I submitted through online submission with confirmation via email. In my disputes, I requested investigation into the XXXX banks being reported with reported negative information. I also requested the validation of this information bearing my signature. I did receive response for the 1st dispute submission but only stated that accounts where verified as accurate. But Chexsystem failed to give me my request for validation of this bearing my signature which is in violation of the fair credit reporting act. I've attached my most recent letters sent for my XXXX attempt to rectify.

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 2021-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: MD

Complaint narrative:
XXXX. Sometime before XX/XX/2021, an annual consumer credit report was requested by me XXXX. Upon review of the reports, noticed a collection account reported Receivable Management Systems. 

XXXX. After seeing this error, I immediately disputed the alleged collection account with the credit bureaus. 


XXXX. After an investigation, the bureaus came replied stating the account was verified with Io, INC. name and address. 


XXXX. On XX/XX/2021, Io, INC ( Receivable Management Systems ) caused to be delivered to me a letter ( " Letter '' ) in an attempt to collect the alleged debt. 

XXXX. Claiming some time prior to XX/XX/2021, an obligation was allegedly incurred by XXXX to XXXX XXXX. 

XXXX. The Letter is a " communication '' as defined by 15 U.S.C. 1692a ( 2 ). 

XXXX. The alleged Patient first obligation is a " debt '' defined by 15 U.S.C. 1692a ( 5 ). 

XXXX. Io, INC ( Receivable Management Systems ) contends that the alleged debt is that their records show debt is still due and owing as of the date of the letter. Also, the dept has accrued late fees of {$48.00}, and a collection fee of {$40.00} and Because interest, late fees, and other charges may vary from day to day, the amount due on the day you pay may be greater. 

XXXX. Io, INC ( Receivable Management Systems ) collects and attempts to collect a debt. 

XXXX. Unable to find records of the alleged collect accounts claims and suspicion of the authenticity of the document sent in the letter that offered no copies of original documents. 

XXXX. On XX/XX/2021, I sent Io, INC ( Receivable Management Systems ) a letter requesting proof of legal claim to the alleged Debt or removing the derogatory account from the Plaintiffs credit report. 

XXXX. The Letter stated in part : On XX/XX/2021, I received the documents you sent to validate the debt. Let me inform you that a debt is owed does not give you the legal right to collect on the debt? 

XXXX. There was no action from Io, INC ( Receivable Management Systems ) as far as proving the legal claim to the debt or removing the account from XXXX 's credit report. 

XXXX. On XX/XX/2021, I sent another letter. 

XXXX. The letter stating in part : On XX/XX/2021, at XXXX pm, your office received my request for Receivables Management Systems, also known as Io INC, to validate the debt you claim that I owe your company. You have not responded to my request, and you are in DEFAULT. 
Your company has made it clear that you are using unfair and deceptive means to collect a debt. Immediately remove any derogatory reporting to the credit reporting agencies XXXX. Io, INC ( Receivable Management Systems ) then closed the account on XX/XX/XXXX and then reopened the account on XX/XX/XXXX with an increase of a dollar.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: NY

Complaint narrative:
I keep getting updates that this I.C Sytems collection company is trying to collect a XXXX  debt that I have no idea of. It isnt my debt and its affecting my credit reports!

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 2021-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This company has never verified my debt, I have sent mail to them asking for this information. They proceeded to file a writ of garnishment of my state tax return, then turned around and filed a EX Parte Motion and Order to Renew Civil Judgement. 

I never received a document stating there will be a court date. These individuals have lied by stating that I made a payment in XXXX. This has never been the case, and I still haven't received any documentation that this payment was done by myself, nor how the payment was made. 

I have no idea that this debt is mine, nor have I received and correspondence from them giving my a chance to pay this debt. They filed the documents with the court without any information from me. I would like this company to validate the debt as well as how these payments were payed. 

I would like this issue resolved, and any and all judgements they have against me removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I just received a XXXX XXXX and I am considering refinancing. I did fall behind towards the end of my XXXX  XXXX, but I caught up when they filed a response to final claim, stating I owe {$2700.00}. Before my XXXX XXXX ended, I paid in full and I am officially discharged of all debt. XXXX weeks later I receive my next bill due on XXXX in the amount of {$2900.00} ( minus the XXXX I have already paid for my regular payment ). Now since I know 100 % Im caught up with payments because the last 2 I received were paid in full. After some digging, I have a {$500.00} attorney fee which I already paid in XXXX and a " previous lender charge '' of {$650.00} from XX/XX/2018! Sorry, but that is included in my discharge since they had multiple opportunities to add that to their proof of claim, it needs to be removed. I'd prefer not to go to court, but I will for this predatory lender. I've paid thousands extra into this plan I did not agree with-this is the last straw. They need to fix my bill to my regular payment amount as they agreed I have paid in full and a court order of discharge of all debts. The purpose of XXXX XXXX is to walk out with a clean slate not take advantage of people with fees-especially from 2018. Please help this is wrong and illegal by the Bankruptcy Code. I have not even received a response from the company. 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I received an alert that my credit report was viewed by a company named XXXX 's on XX/XX/2021. This is an unknown company to me so I immediately locked all of my information across all reporting agencies. It took a while to research this company, but it turned out to be an out-of-state mail order shopping magazine. I have never heard of or seen this magazine, let alone applied for credit with them. I called the company and spoke with multiple departments and representatives, and none of them could verify any information, account or credit inquiry using any of my identifiers. They suggested that I dispute it with Equifax since they were the only reporting agency that this inquiry. I disputed this inquiry with Equifax on the same day XX/XX/XXXX. The report came back as factual on XX/XX/2021 and stated that this inquiry would not be removed from my credit report. The report also showed multiple soft checks/promotional account reviews from the same company and its entities ; all different names but under the same company umbrella starting as early as XX/XX/2021. A timeline of checks include : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( hard check/credit pull XXXX Again, all of these companies are under the same company umbrella using a mail-order shopping magazine. I called XXXX 's back again and spoke with a supervisor, who again stated he couldn't find any of my information and I should call their credit department directly the next day. I did so and spoke with 2 different reps for over an hour confirming that they had none of my info and no way to know if my credit was pulled from their end. One rep did say that their was a special department for this situation, but I would not be allowed to speak with them and they could've and possibly sent a false verification back to Equifax verifying my info. He stated that he would have their credit department send a a letter to Equifax stating the incorrect verification and confirming that an inquiry was never solicited on my behalf. That letter was obviously never sent, because this inquiry is still on my report today. I disputed the same inquiry on XX/XX/2021 and Equifax resolved the dispute the same day still saying that it is factual. There is no way Equifax could have researched or looked in this incident and still found it factual based on the response of the company. I believe there is fraudulent activity under my name and with both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: LendingUSA
State: MD

Complaint narrative:
Due to COVID19 I defaulted on a loan from LendingUSA. LendingUSA sold the debt, over a year ago, to XXXX XXXX XXXX XXXX XXXX ( collections ) during the Pandemic shutdown.. On XX/XX/2021 I paid the debt to XXXX XXXX XXXX XXXX XXXX. 

I received an update on my Credit Report from XXXX and XXXX, that LendingUSA, who no longer owns the debt, reported my loan as Delinquent on XX/XX/2021. This Debt is paid and has been for over 2 months, therefore this account is not delinquent. The original creditor can't continue to report a balance due if it has sold the account to a collections agency. However, it can report a charge off, which remains on your credit report for seven years, even if you pay off the debtwith the original creditor or via a collections agency. 

This inaccurate reporting has dropped my credit score. At this point I feel I need to get an attorney and file suit for defamation, contact the FTC and take severe actions. Companies need to learn there are rules and severe repercussions. I demand an immediate retraction as the information reported by LendingUSA is not accurate and fraudulent as they do no own the loan and have not for a long time. 

While I am responsible for the default, I am not responsible for erroneous credit reporting. Actions like this, that companies take out of vindictiveness, can impact people 's lives in a very big way, it's not a game. 

Thank you, XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX, Attorney General, MD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a debt collection XXXX  on my credit reports that I have had deleted twice and transunion and XXXX keep putting it back on my report. I have contacted transunion and nothing has been done. I have some accurate date of XX/XX/2021 I have a confirmation that transunion deleted XXXX but yet it still remains on my report. I know for a fact I have disputed this twice this year and both times it was deleted because of my dispute but then it shows back up 3 to 4 months later. Any and all help will be appreciated as I am working diligently on my 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