vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-13 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: CA

Complaint narrative:
XXXX XXXX XXXX Potentially Negative potentially negative icon show account button XXXX Account Number {$400.00} Balance XX/XX/XXXX Date Opened Collection account. {$400.00} past due as of XX/XX/XXXX. 

Status

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 2018-02-13 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: GA

Complaint narrative:
IN XX/XX/2015 I WAS THE VICTIM OF A ARMED ROBBERY AND MY IDENTITY WAS STOLEN AT THAT TIME. I HAVE MY ORIGINAL POLICE REPORT OF THE INCIDENT AND NOW YEARS LATER I HAVE DISCOVERED FRAUD ACCOUNTS ON MY CREDIT REPORTS. I NEED THIS INFORMATION BLOCKED SWIFTLY. THE CREDIT BUREAUS HAVE EXTENDED MY SUFFERING LONG ENOUGH. 

THANKS FOR YOUR HELP AND ATTENTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: I.C. System, Inc.
State: GA

Complaint narrative:
I disputed this debt with I.C. System Collections with no resolution. I sent a certified validation letter on XX/XX/XXXX in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. XXXX XXXX received the certified letter on XX/XX/XXXX and has yet to respond to my request. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.

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 2018-02-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
MY LOAN WAS ORIGINALLY WITH XXXX. THEN XXXX XXXX XXXX. THEN DURING A LAWSUIT AND FORECLOSURE, XXXX XXXX XXXX TRANSFERRED OUR LOAN TO BAYVIEW LOAN SERVICING. WE SETTLED WITH THEM AND THEY FINALLY MODIFIED THE LOAN. BAYVIEW HAD THE LOAN UP UNTIL XX/XX/XXXX AND IT WAS AGAIN TRANSFERRED BACK TO XXXX   XXXX XXXX. NEITHER BANK WILL RESPOND TO MY REQUESTS. 

On XX/XX/XXXX Bayview Loan Servicing cashed a refund check # XXXX in the amount of {$1000.00} from the XXXX County, CA tax assessor, for a property tax appeal that I initiated and won. These funds were due ME and/or were to be put into my ESCROW account for property taxes. Bayview did not allocate these funds to my account and there is no record on my escrow statement where the funds went. 

There is a second check for the second half of the tax installment of {$1000.00} that has gone " missing '' and has not been cashed. I have requested five times to have Bayview request a STOP payment on check # XXXX in the amount of {$1000.00} and have it re-issued to either me, or now that XXXX XXXX XXXX owns the loan again, to them. I have sent a letter that instructs them to contact XXXX, at the XXXX County Assessors office XXXX. Her # is XXXX. Also to be put in the letter that any future refunds and or correspondence from the XXXX County CA, Assessors office - be transferred to XXXX   XXXX XXXX, as if the next property tax appeal results are the same, they will be refunded to Bayview unless this is done in ADVANCE. I have another property tax appeal coming up and any future refunds need to be sent to XXXX  XXXX XXXX, not Bayview Loan Servicing. 

The Mortgage interest statement from Bayview Loan Servicing and XXXX XXXX XXXX statements DO NOT MATCH and have conflicting figures. Both show different deferred interest amounts and loan balances. 

This needs to be corrected immediately as XXXX XXXX XXXX is requesting a $ 4800+ cushion in my account when I should already have {$2100.00} cushion in the account. This puts our payment in an uncomfortable amount financially and I do not want to default. 

Both banks will NOT RESPOND TO MY REQUESTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
i was put on XX/XX/XXXX hurricane financial assistance relief with XXXX XXXX credit card division of first national bank of omaha n instead of assisting me they close my account down as was not receiving statement as claim and they refused re open account n correct all deliquencies, they claim i so called owe XX/XX/XXXX and XX/XX/XXXX bill when was not getting paper statement they claim were mail out XX/XX/XXXX i paid XXXX XXXX dollars n instead of getting a paper statement claiming i owe for XX/XX/XXXX XXXX XXXX dollar n was hit with a XXXX XXXX dollars late fee then they sent me a bill for XX/XX/XXXX in amt of XXXX as i wasn't getting statement of bill they claim they sent me as want them strip of banking n credit card privilige and violating the hurricane disaster relief law of XX/XX/XXXX plus i was told i didn't owe anything till XX/XX/XXXX and instead i being lied to n account was shut down n not corrected as promised

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 2018-02-13 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: Remex, Inc.
State: FL

Complaint narrative:
Hi, I have some hard inquires in my credit report that I didn't ask for, accounts that were closed on good standing that look open and some collections that are not looking accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited my paycheck from my employer, XXXX XXXX XXXX XXXX, into my checking account. This check was for roughly the same amount ( +/- {$200.00} ) and deposited at roughly the same time ( +/- a week ) as all other checks from that entity received each month over the past 2 years. At some point, Bank of America decided to put a hold on that check, holding it until XX/XX/XXXX, without informing me of why. On XX/XX/XXXX, my landlord cashed my rent check, dated XX/XX/XXXX, which caused my account to overdraw by almost {$1000.00} due to Bank of America not making my paycheck available to me. I was assessed an overdraft fee of {$35.00}. On XX/XX/XXXX, I discovered my check had been returned anyway, and that overdraft fee became a " return fee. '' As per my lease, my apartment will be assessing me a returned check fee as well, and a late rent fee. 

During a call with customer service on XX/XX/XXXX at roughly XXXX XXXX   PST, I was repeatedly informed that they had no authority to release my paycheck and make the funds available. After threatening to report them to the CFPB, Bank of America released my paycheck on XX/XX/XXXX, but refused to overturn the returned check fee, and would offer me nothing to make me whole for the fees that my apartment is assessing me due to Bank of America 's activities. 

In their initial insistence that they had no authority to release my held check, and then their subsequent releasing of said check after I threatened to report them, Bank of America has demonstrated the arbitrary nature of their check-holding process. It is in their best interests to withhold customer deposits and collect the associated fees. This is similar to the XX/XX/XXXX class-action lawsuit alleging abuses of their overdraft fee system, which was settled in a XXXX XXXX federal court for 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 monetary relief
Consumer complaint received 2018-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Okay so I tried to purchased a car around XX/XX/2017 and the dealer mention 3 accounts that are reported to my credit which they do not belong to me ... I been receiving missing payments notifications from XXXX XXXX   yet when I try to view the missing payments I can't never find them ... I had contact trans union and I have not heard from them.. the accounts do not belong to me and is affecting my credit score .. can someone please help me

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 2018-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I received a notice in the mail from a company called Credence who is a debt collector claiming that I owe XXXX XXXX XXXX XXXX {$180.00} WHAT?? I don't owe anything. I contacted this company in an attempt to straighten it out, they wanted my to give them personal information. I don't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Auto Finance company changing loan and payment dates to credit bureaus ( all three ). Loans is over 8 yrs old and was due to drop off report. Finance company changed dates to keep them on m y report for another 2 yrs. Filled complaint with XXXX to no avail, even though they know this loan originated in XX/XX/XXXXand was due to drop off in XX/XX/XXXXthey are not dropping the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
IN 2015 I WAS THE VICTIM OF A ARMED ROBBERY AND MY IDENTITY WAS STOLEN AT THAT TIME. I HAVE MY ORIGINAL POLICE REPORT OF THE INCIDENT AND NOW YEARS LATER I HAVE DISCOVERED FRAUD ACCOUNTS ON MY CREDIT REPORTS. I NEED THIS INFORMATION BLOCKED SWIFTLY. THE CREDIT BUREAUS HAVE EXTENDED MY SUFFERING LONG ENOUGH. 

THANKS FOR YOUR HELP AND ATTENTION.

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 2018-02-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
IN 2015 I WAS THE VICTIM OF A ARMED ROBBERY AND MY IDENTITY WAS STOLEN AT THAT TIME. I HAVE MY ORIGINAL POLICE REPORT OF THE INCIDENT AND NOW YEARS LATER I HAVE DISCOVERED FRAUD ACCOUNTS ON MY CREDIT REPORTS. I NEED THIS INFORMATION BLOCKED SWIFTLY. THE CREDIT BUREAUS HAVE EXTENDED MY SUFFERING LONG ENOUGH. 

THANKS FOR YOUR HELP AND ATTENTION.

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 2018-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I made purchases using American Expresses Blue for Business card. The marketing and online user interface communicate the option to use rewards points to make payments on " eligible purchases ''. Throughout my three year history, I attempted to " Use Points for Charges '' on their online system and received various restrictions and denies to use this advertised service. The system reported, various statements like : " There are no eligible charges for the time period you selected ''. Other times, the system said " The service is currently unavailable we're sorry for any inconvenience ''. 
When I called customer service to ask them to apply some of my available rewards points to my current remaining balance of {$13.00}, they said, " There are no eligible purchases to use points ''. They said this remaining balance is based on interest charges and you can't use points to make payments on this type of " charge ''. They chose to not retroactively adjust my account based on my previously paid eligible charges during my previous attempts to use the points for payments on the charge. 
They claimed no responsibility for the failed system online during the periods when the system should have allowed me to make payments using my existing rewards points. They showed no effort or acknowledgement that their system repeatedly failed to honor their rewards agreement. 

Additionally, when they market to the public : " Use Points to Make Payments '' they mislead them by not providing conditions of use statements with their advertisement. Within the terms they make clarifying comments like, " eligible purchases ''. In real life, their online system makes repeated failures during the appropriate condition for utilizing rewards for " eligible purchases ''. And, they communicate no intent to correct for system failures. 

Instead of honoring their agreement and acknowledging my past eligible purchases and attempts to use my rewards to make payments on my balance ; they denied responsibility for their online system performance and failed to honor the agreement of their terms. 

System logs will show when users experience error problems while logged in their account ; so, they are able to verify my actions. They showed no effort in attempting to consider my previous action and to make right on their terms of our agreement. This company blatantly misleads people to believe their " Charge '' is the same as their " Charges '' for " Eligible Purchases ''. This bait and switch tactic is unethical and not a fair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: DISCOVER BANK
State: NY

Complaint narrative:
I already contacted the XXXX bureau and spoke with a representative who refused to removed reinserted information based on the error they made on my report and they ignore my concern after numerous letters and phone calls. I had no written notification regarding these inquires The hard inquires I'm concern about is XXXX XXXX, XXXX XXXX and XXXX. I would like these to be permanently from my credit report. Please look into my issues that is real concern to my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: ERC
State: GA

Complaint narrative:
I disputed this debt with Enhanced Recovery Company with no resolution. I sent a certified validation letter on XX/XX/ in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. Enhanced Recovery Company received the certified letter on XX/XX/ and has yet to respond to my request. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CO

Complaint narrative:
this company XXXX says i owe them when i paid this bill off and they are trying to say i owe {$2500.00}, they keep calling me and harassing me saying i better pay it or they will sue me. I'm tired of the calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 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: IL

Complaint narrative:
Auto Finance company changing loan and payment dates to credit bureaus ( all three ). Loans is over 8 yrs old and was due to drop off report. Finance company changed dates to keep them on m y report for another 2 yrs. Filled complaint with XXXX  to no avail, even though they know this loan originated in XXXX and was due to drop off in XX/XX/XXXXthey are not dropping the loan

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 2018-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Stanislaus Credit Control Service, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, i filed a request/dispute with Credit Reporting Agency via Certified Mail in reference to my Public record information on My report. Specifically the two bankruptcies XXXX & XXXX. The Agency - Equifax then alleged to have verified my public record information with XXXX and the US Bankruptcy Court. I  proceeded to ask for a Re- investigation on XX/XX/ and provide proof from the two organizations, the Bankruptcy court and XXXX that they did not provide the verification and in essence the credit bureau was not being truthful. My investigation included calling XXXX on XX/XX/ at XXXX, speaking to XXXX XXXX XXXX and her supervisor XXXX ( the call was also recorded ) and again on XX/XX/ at XXXX speaking with XXXX Agent XXXX. They both confirmed that their organization did not provide this information. The clerk of the court wrote a letter and confirmed they too did not furnish any information to Equifax. Their own two agents XXXX XXXX on XX/XX/ at XXXX and Previously XXXX XX/XX/2018 at ; XXXX could not provide information on the steps and method of verification the company used to verify the information. 
The only clear thing is that the Equifax is in direct violation of y rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. 
I humbly ask for assistance in having this information deleted from my Credit file at Equifax.

Company response to consumer: Closed with explanation