vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I have been XXXX  overseas for the past 8 years. I do come home to North Carolina from time to time .... however, I viewed my credit report a few months ago and noticed a collection account from a company called I C System??

I have written them advising them the account is not mine. I have not heard back from them and according to my relatives no mail what so ever was ever has been sent to my North Carolina address. And I have not been to the hospital in GA!!

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 2019-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: WA

Complaint narrative:
I have a SoFi Money account. Your security team restricted my account and I am unable to access my funds that I need to make a payment on Monday. You support was supposed to reach out to me to help me but hasn't responded till now. I was supposed to be contacted on Monday or Tuesday but no one has contacted me even after 5 days of freezing my account and there is no explanation. Your front line customer service has no idea ( in their own admission ) of what is going on and your security team is unreachable ( who has placed a freeze on my account ). In the midst of this, you are holding my life savings of {$76000.00} hostage with no way for me to make any payments or giving any information what happened to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: NC

Complaint narrative:
An unknown debt appeared on my credit. I have been overseas for over 8 years. I have no knowledge of the debt nor do I know what its for. I was never afforded the opportunity to have the debt validated and or dispute- it was just placed in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: ResidentCollect, Inc.
State: IL

Complaint narrative:
I have tried to reach out to Innovative Recovery since XXXX. I have mailed documents to settle the account in collections and they have all been returned to me marked vacant address ( see tracking info provided ). I have reached out to them by phone several times and have not received any response. I have disputed this account in collections with all three bureaus and it has been removed successfully from two of them. I have not been able to get it removed from XXXX   and I have not been able to reach Innovative Recovery so Im at a standstill and need this off of my credit. XXXX suggested that I file a complaint against the collection agency since they are not cooperating with me whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Deutsche Bank

Complaint narrative:
I am an employee working in XXXX XXXX XXXX. 
Our company has an acount with Deutsche Bank Trust Company Americas. 
On XX/XX/2019, abruptly they noticed us that our account will be terminated. 
I dont know why this happens and so I asked why they do this. But they just told that we should accept this. I think this is really unfair. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I signed up for a free credit report on TransUnion.com However, during the sign-up process, the company asks me to give them my credit card number. I thought this is for them to obtain my credit reports. I didn't know Transunion was being deceiving and silently enrolled me in a monthly recurring {$21.00} subscription. 
Furthermore, there is no option on the website to get out of the subscription. The number they provide is constantly on hold and have no way to talk to a support contact.

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 2019-03-27 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: TX

Complaint narrative:
I previously submitted a complaint to the company in which I explained throughout the time I've had an account with them I have never been late paying on my account. However, the company is reporting a 30 day late payment mark for the account to all 3 credit bureaus for the month of XX/XX/XXXX resulting in a significant decrease in my credit score.

The company replied saying, 1. You made payment arrangements on your account ; however, the account was more than 30-days past due when the arrangements were made ; and 2. XXXX is obligated to report factual information to the credit reporting agencies and we are unable to remove the delinquent credit mark assessed on the account. According to our records, you signed a 36-month promissory note and security agreement on XX/XX/XXXX and you agreed to have the minimum monthly payment of {$99.00} due on the XXXX of each month. On XX/XX/XXXX, you made payment arrangements to assist you in bringing your account current ; however, the account was past due from XX/XX/XXXX. The account was more than 30-days past due when the payment arrangements were made ; therefore, a 30-day credit mark had already been assessed on the account. XXXX is obligated to report factual information to the credit reporting agencies and we are unable to remove the delinquent credit mark assessed on the account due to the payment not being made timely. We have included a copy of your signed documents and payment history for your records. XXXX appreciates you for bringing your concerns to our attention. 

I called diligently and regularly to create a payment arrangement on my account PRIOR to the due date and everyday for a week after the payment was due on XX/XX/XXXX. I was then offered an arrangement that does not seem to be recorded. This is not an uncommon occurrence with this company ; the answers and information received varies with every call.

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 2019-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
first know i wont be using ANY of my 8 accounts i have had in excellent standing until this is resolved the right way i am also asking for refund of any interest on my current stmt based on my excellent long term record. 
I knew the XXXX charge would be rebilled from XXXX they are hard to deal with. i am reporting them to attorney general. As i told the bank. the tickets i paid for one was scalped my kid got no seat i am not paying for the ticket and ther one size fits all refund policy wont address it approriately. 
This has to do with my card ending XXXX i want my money back or a credit with XXXX if you cant help me i cant use the card i had another problem with XXXX XXXX with them and had to fight for my rights. please credit my account or i will accept a credit with them. but my kid got NO seat i paid for in XXXX due to scalping i did report it. to them nothing done. My relationship with you depends upon this being handled right. 
Again please credit any interest on my account due to my long term relationship here. and handle this right. i will accept no other answer and i am " unable '' to use my 8 accounts until this is handled approrpaitely either a credit with XXXX for another event. or a credit on my credit card I DID NOT GET what i paid for and they can prove nothing different. this is NOT covered under their refund policy and the one size fits all approach you used in your dispute process falls short of recognition of that.

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 2019-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC

Complaint narrative:
The debt was paid in full total payment received {$140.00} on XX/XX/2019 Creditor XXXX XXXX XXXX XXXX. Collection agency ERC collected {$140.00} Plus theyre over the phone fee of {$1.00} Totaling {$140.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX XXXX XXXX, Several CFPB Complaints with the same bank Huntington Bank and same Checking Account, Substitute Checks USURY of Criminal Extortion XX/XX/2019 {$140.00} V - {$7.00} Bank Balance, Guardian Annuity Deposit XXXX of the month, Criminal Extortion and Embezzlements. Huntington Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: CA

Complaint narrative:
National Recovery Agency ( NRA ) has improperly aged the real date of first delinquency ( on XX/XX/2018 ) to the service date ( on XX/XX/2018 ). NRA did not mail me any notice before regarding this matter, and they just reported this open credit debt to my history. 

My corresponding insurance claim shows that the medical center submitted the claim very late on XX/XX/2018 ( more than 3 month after the service date ), and then they billed me on XX/XX/2018. If an account is established under what is called open-type credit ( not to be confused with an open account ), then the full amount is due when billed. By the law, the consumer has 180 days from the day of first delinquency to pay the medical account before the agency is allowed to report it to the credit bureaus. But NRA reported it on XX/XX/2018 based on their previous feedback to my complaint in CFPB. 

( 1 ) NRA did not send any collection notice to me before reporting. 
( 2 ) NRA altered the date of first delinquency. 
( 3 ) NRA reported the account before 180-days period.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I am a co-signer on my husbands lease account with XXXX XXXX XXXX. There have been two 30 day late payments reported to my credit report without me being notified that the payment had not been made. My husband and I are currently separated. I never received a phone call or a letter about this account running or being late. This is unfair and unethical. My credit should not suffer for someone else 's mistakes. I am the CO-SIGNER and not the primary account holder. If someone called me from XXXX I would have made the payment myself. The first late payment was in XX/XX/XXXX and the second late payment was XX/XX/XXXX. I reported this information to XXXX but a thorough investigation was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: AZ

Complaint narrative:
I am writing to dispute an inquiry and debt that were placed on my credit report which are at best inaccurate or worst, fraudulent. Security Credit Services , LLC placed an inquiry and debt collection account on my credit report without my knowledge or any attempt to contact me about an outstanding debt. Instead, I had to contact Security Credit Service in XX/XX/XXXX once the changes were made to my credit report to inquire why a new debt was being reported. In the course of gathering information I have received documents addressed to another individual not associated in any way with me, contradictory balances of the alleged debt and incomplete information regarding the ownership of the alleged debt. Furthermore, outdated or incorrect mail and email addresses have been used repeatedly to communicate despite Security Credit Services and XXXX XXXX XXXX, XXXX having my updated contact information from their credit report inquiry and being provided with accurate email addresses. Each time I told XXXX XXXX XXXX, XXXX that I never received the documentation in question they were unprofessional and rude until they finally would forward the documentation to the correct email addresses and I could prove that they were originally using incorrect address and emails. I have been trying to resolve this issue since XX/XX/XXXX but still can not get complete, accurate information from Security Credit Services and XXXX XXXX XXXX, XXXX. 

Attached are the original loan document that was charged off by XXXX/XXXX in XX/XX/XXXX, emails between myself and XXXX XXXX XXXX, XXXX, incomplete chain of ownership that does not show any identifying loan information to prove it applies to the original loan or XXXX, incomplete payment history showing a different amount due and a settlement agreement with a different amount due addressed to another person with my address from years ago. 

I have tried to work directly with Security Credit Services but they always redirect me to XXXX XXXX XXXX, XXXX so I have mailed a formal request for validation of debt to both Security Credit Services and XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: NV

Complaint narrative:
Pulled my credit report and have 5 bankruptcy reporting in Experian and one in XXXX and XXXX I have never filed bk and I dont know what to do .... please investigate this and get to the bottom of this ASAP

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 2019-03-27 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: CA

Complaint narrative:
I am a co-signer on my husbands lease account with XXXX XXXX XXXX. There have been two 30 day late payments reported to my credit report without me being notified that the payment had not been made. My husband and I are currently separated. I never received a phone call or a letter about this account running or being late. This is unfair and unethical. My credit should not suffer for someone else 's mistakes. I am the CO-SIGNER and not the primary account holder. If someone called me from XXXX I would have made the payment myself. The first late payment was in XX/XX/XXXX and the second late payment was XX/XX/XXXX. I reported this information to Equifax but a thorough investigation was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Inaccurate late payments reported by Ally Auto. After six different attempted disputes all they do is move the inaccurate late payment to a different month, somtimes 2 or 3 months from original month reported. When attempting to contact Ally Auto directly I am places to an outside call center and told there is no back line to speak to supervisor and that I must dispute through credit reporting agency. I am disgusted at the level of service from this company.

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 2019-03-27 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: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-03-27 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: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: LEXISNEXIS
State: IL

Complaint narrative:
The information presented in this complaint is in addition to complaint number XXXX - XXXX, because I meant to add these documents with the first report. These documents will support my attempts to communicate with LexisNexis to resolve the issues : On page XXXX of the credit report dated XX/XX/2019, LexisNexis is reporting my license number wrong along with other inaccuracies. 
On page five of the credit report dated XX/XX/2019, which is the report that suppose to show corrections, that page shows a wrong social security number ; wrong addresses, and misspellings of my name. 
On page one of the credit report dated XX/XX/2019, I have highlighted LexisNexis statement whereas it says they have contacted the XXXX XXXX Bankruptcy XXXX regarding verification, and thus the report is accurate. To this end, I am told to 'please contact the court 'directly ' if they need to update their records. ' The documents that I will include will show that I did contact the court directly, and copies of my drivers license ; social security card, mail that shows my correct address and the spelling of my name - copies of which I also presented to LexisNexis in my quest for correction/deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian notified me that I had a late payment and that my credit was effected because of it. I saw that it was from an account that was opened up with XXXX XXXX. I do not have an account with XXXX. I actually use XXXX XXXX XXXX for my wireless provider. I filed a dispute on this XXXX account which was claiming I had a missed or late payment of {$83.00} from XXXX of XXXX. On XX/XX/XXXX, I filed a dispute with Experian, XXXX and XXXX XXXX. On XX/XX/XXXX, I called XXXX XXXX and was informed that there is in fact no account in my name or in my social security number. 2 weeks after that time I got a letter from XXXX XXXX indicating that the XXXX account was removed from my credit record. I followed up with Experian to see if my the account was removed and I was informed from someone at the dispute center that XXXX is indicating that the account is open and there is a late payment. I proceeded to file a new dispute with Experian. I called XXXX again after this time and was informed by a different employee at XXXX wireless that I do not have an account in my name or social security number for a second time. I followed up with experian today and they are indicating that XXXX still is saying there is an money that I owe. I need this to be addressed

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 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I purchase something on XXXX XXXX and I did pay through XXXX and I trusted this guy to pay through it. And now he scammed me worth of {$800.00}. I still have his number and some screenshot conversation. And it happens on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivables Performance Management, LLC
State: VA

Complaint narrative:
Account Name RECEIVABLES PERFORMANC,XXXX Original Creditor XXXX Open Date XX/XX/2017 Balance {$380.00} Debt {$380.00} Contact Information XXXX XXXX XXXX XXXX, XXXX, WA XXXX , ( XXXX ) XXXX

Company response to consumer: Closed with explanation