vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I went through the eviction process at XXXX at XXXX XXXX because I didn't want to continue to live in an apartment with stair damage. I feared for my life going up and down stairs that were not sturdy. I signed a rental guarantee policy at the time of move in that would pay any rental arrears at eviction, skipping up to XXXX and any damages up to XXXX. This policy was a condition of move in and would pay regardless of how long you stayed at the complex. The policy was paid at move in and was not a recurring charge. I advised National Credit Systems of this policy and that the complex has been paid for any amount owed when they sold this account to National Credit. It is not collectible and I will also be seeking attorney representation to dispute this as well. Nothing is owed to XXXX at XXXX XXXX and they know it. National Credit Systems knows this as well and they continue to fraudulently list this uncollectible account on my credit report. I need to have this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: FISERV FINXACT CORE
State: MA

Complaint narrative:
on XX/XX/2020 I went to XXXX XXXX XXXX in XXXX MA and wrote a check. I was informed by Telecheck that my check was declined because I " do not normally write checks to this merchant '' and I " don't have a history of check writing with them ''. When I asked how I was supposed to have a history of check writing if they don't allow me to write a check they could not answer. When I asked what the bad information is that I was declined the ability to write a check for, they gave incorrect information. I do not have any unpaid checks with this company. This company seems like a complete scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This account was opened years ago and settled in XX/XX/2020. The account is still listed on my credit and when I dispute for removal they add more incorrect balance, date and payment etc. This account is affecting me getting a home for incorrect information. Please help. I disputed this with the original creditor and they told me the account was sold to Midland Credit and that is who I also settled the account with. I would like this account removed like the other ones I paid off with the same company. Midland Credit keeps saying it belongs to XXXX XXXX  and they replied saying it belongs to Midland Credit. I just would like the account removed because it has been paid and the info On my report is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
One day while shopping at Costco an employee at the customer service area approached me about a credit card w/Citibank & Costco, I applied for the credit it card while waiting in line and was approved. I only shopped with the paper credit card I was issued by Costco meanwhile credit card arrived. I never received an actual credit card ever. I paid the shopping spree at Costco that day, plus more as I was receiving harassing phone calls from Citibank stating that I was late, had late charges so I paid the full shopping spree, plus an additional amount of what Citibank stated I was late for a credit card I still have never received nor ever had in my possession. Twice I received mail from Citibank stating that they sent the credit card to my address and that it had been returned which I never knew until receiving Citibank 's letters that Citibank attempted to send me a credit card twice and they were returned. I told that Costco rep my situation, my PO Box address was my primary residence but it was under repair from fire damage so I was staying at another address temporarily until fixed, the primary residence a PO Box , my current/temporary address is an actual physical address. The amount that Citibank is charging me was not an amount of purchased items as I paid my one time shop spree with Costco 's temporary paper slip, so my question is why is Citibank stating I owe over {$400.00} when I paid my debt in full plus extra to stop the harassing calls. Why is Citibank continuing to charge me for late fees, annual fees for a credit card I never received, nor ever had in my possession and informed them that I did not want if they tried to sent to me twice and they were returned so therefore I did not need or want? When I called Citibank to pay my one time shop debt I informed them I did not want the credit card anymore and that is when I found out that Citibank attempted to send a credit card to me twice and was returned by mail but I do not know why they were returned nor they could tell me why.

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 2020-10-09 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: FL

Complaint narrative:
I am at my wits end and i do not no what else to do. my realtor checked my credit and told me that i had a negative account by the name of XXXX XXXX XXXX with a balance of {$9100.00} opened on XX/XX/XXXX and a XXXX  account with a balance of {$45000.00} opened on XX/XX/XXXX. These don't belong to me. i'm a victim of identity theft and i desperately need a Disaster relief loan that i can not get because of these accounts that do not belong to me. please help

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 2020-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
When COVID happened I was laid off and enrolled in the home loan forbearance plan through new American funding, which was supposed to defer my loan payments and place them at the end of the 30 year fixed term. I am now receiving bills in the tens of thousands of dollars and contacted new American funding. They have stated that I am being charged additional interest per month that I do not make a payment. Approx $ XXXX/day. I was NEVER made aware of this additional interest, and could have borrowed the money from a bank for less than this amount had they been transparent about it when I enrolled in the program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: NV

Complaint narrative:
THE ACCOUNT DISPUTED ARE DISCHARGED ACCOUNT THAT HAS BEEN SETTLED IN COURT. THE DEBTOR HAS NO RIGHT AND AUTHORIZATION TO REPORT ON MY CREDIT FILE AND TO COLLECT ANY DEBT THAT HAS BEEN DISCHARGED. I AM NO LONGER RELIABLE TO THESE ACCOUNTS AND I AM REQUESTING IMMEDIATE REMOVAL ON THE REPORTING CREDIT BUREAUS, EXPERIAN AND 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 2020-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
The company I had my checking account with was Chase Bank. An issue came up with my checking account with it being in the negative and fraudulent transactions. I tried calling them immediately when I found out. I was told to wait a few days and call again. A few days went by and I called again to hear that Chase had ended their relationship with me, in other words, closed my account. I had asked a lot of questions to why my account was closed and they wasnt saying much for the reason why. I told them that I havent had anything to do with whatever the issues are besides the overdraft fees here and there ( but it was taken care of within days ). So I am still asking questions differently so I can get an answer but it didnt work. I did ask since they closed my account, can I get the remaining money that was there or the money that I lost with the suspicious transactions, they said that they will return my money eventually. I need my money now because my bills are due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I have never been a client or customer of CitiBank, and I received a debit card and temporary PIN number in the mail today, Friday XX/XX/20, from them. I did not ask for an account to be opened or request a debit card. I immediately called and was connected to the Debit Card Fraud Department, spoke to XXXX, and froze the account. I have not received any checks in the mail, but I told her the sending of the debit card in the mail unwarranted is against the law. She said they will do an investigation on their end and to call Citibanks Citi Identity Solutions Dept. when they are open on Monday, XX/XX/XXXX. I told her that I need a confirmation in writing mailed to me of the closure of the account, but she said I need to reach out to Citi Identity Solutions for that letter.

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 2020-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2020 I was showing my grandson a game called XXXX XXXX XXXX  on my phone. He grabbed my phone and within seconds I had 6- charges of XXXX ea charged through XXXX XXXX to my PayPal account and out of my checking account. PayPal has refunded 2 of them but refuse to return the other 4. I am retired on XXXX and these charges expected amount is absurd. And to let 6 go through in seconds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Credior kept on reporting my account as late payment. But I was never late, I already disputed this. The two bureaus already remove this from the reports but Equifax still reporting this as late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
They are charging me a debt that does not exist, I appear in person at the office and the debt is closed, now they want to charge me an amount that does not exist

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Ive contacted XXXX, XXXX  and Transunion XX/XX/XXXX, XX/XX/XXXX and XXXX  again XX/XX/XXXX regarding inaccurate information being reported on my credit report. They respond each time saying they verified the information as accurate. However the information being reported is in non-compliance with the FCRA which is in violation of my rights. I informed XXXX  the creditor XXXX XXXX XXXX is reporting inaccurate data 1. Date last updated says XX/XX/XXXX but I disputed this XXXX XXXX- 2. Past due reporting on a collection account, this is a violation 3. Late payments/payment activity reporting on a collection account this is a violation They replied saying they verified the information as accurate and it still remains on my credit report to this day! 

Creditor, XXXX  XXXX XXXX 1.Past due amount showing on charged off account. 
2. Account shows 3 different dates last active : XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX and Transunion XX/XX/XXXX. Additionally, this account has been re-aged. 

I asked them all to delete both accounts for FCRA non compliance which they havent. So due to these errors my credit score has suffered. 

All 3 bureaus failed to complete a proper investigation because they profit off of these errors. 

The FCRA thus requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the furnisher has reasonable cause to believe is inaccurate-which they know this information is NOT! 

XXXX  has merged my account with my ex-boyfriend from over 10 years ago and they refuse to delink our accounts. I have requested a personal pin to be mailed to me in order to access my info. I received it and when i go on their website they say i have no account, so i contacted them via e-mail. The rep told me they fixed it yet i still cant access my account online and i always fail verification because they ask me about HIS car loans and mortgage lenders which clearly i do not know this information. They wont give my a copy of my credit report even though I have sent in my ID AND BANK STATEMNT documents for a dispute! 

Ive asked them NUMEROUS times to fix this but again they make money off of errors they dont actually care about providing customer service.

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 2020-10-10 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: VA

Complaint narrative:
Ive contacted Equifax, XXXX  and XXXX  XX/XX/XXXX, XX/XX/XXXX and XXXX  again XX/XX/XXXX regarding inaccurate information being reported on my credit report. They respond each time saying they verified the information as accurate. However the information being reported is in non-compliance with the FCRA which is in violation of my rights. I informed XXXX  the creditor XXXX XXXX XXXX is reporting inaccurate data 1. Date last updated says XX/XX/XXXX but I disputed this XXXX XXXX- 2. Past due reporting on a collection account, this is a violation 3. Late  payments/payment activity reporting on a collection account this is a violation They replied saying they verified the information as accurate and it still remains on my credit report to this day! 

Creditor, XXXX  XXXX XXXX 1.Past due amount showing on charged off account. 
2. Account shows 3 different dates last active : XXXX XX/XX/XXXX, Equifax XX/XX/XXXX and XXXX  XX/XX/XXXX. Additionally, this account has been re-aged. 

I asked them all to delete both accounts for FCRA non compliance which they havent. So due to these errors my credit score has suffered. 

All 3 bureaus failed to complete a proper investigation because they profit off of these errors. 

The FCRA thus requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the furnisher has reasonable cause to believe is inaccurate-which they know this information is NOT! 

EQUIFAX has merged my account with my ex-boyfriend from over 10 years ago and they refuse to delink our accounts. I have requested a personal pin to be mailed to me in order to access my info. I received it and when i go on their website they say i have no account, so i contacted them via e-mail. The rep told me they fixed it yet i still cant access my account online and i always fail verification because they ask me about HIS car loans and mortgage lenders which clearly i do not know this information. They wont give my a copy of my credit report even though I have sent in my ID AND BANK STATEMNT documents for a dispute! 

Ive asked them NUMEROUS times to fix this but again they make money off of errors they dont actually care about providing customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: FL

Complaint narrative:
AR Resources has put a collection on XX/XX/2020 for {$1900.00}. This was due to car accident, XXXX paid this on XX/XX/2020, check number XXXX. I submitted proof by faxing the letter from XXXX around XX/XX/2020. The person I spoke to said it is not considered paid because I did not pay it myself. I gave him check number and told him he needed to look into it and to take off credit report. He keeps calling and I just can't keeping arguing with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
THE ACCOUNT DISPUTED ARE DISCHARGED ACCOUNT THAT HAS BEEN SETTLED IN COURT. THE DEBTOR HAS NO RIGHT AND AUTHORIZATION TO REPORT ON MY CREDIT FILE AND TO COLLECT ANY DEBT THAT HAS BEEN DISCHARGED. I AM NO LONGER RELIABLE TO THESE ACCOUNTS AND I AM REQUESTING IMMEDIATE REMOVAL ON THE REPORTING CREDIT BUREAUS, XXXX  AND TRANSUNION.

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 2020-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
On XX/XX/2020 I received an unsolicited call from Amerisave Mortgage Company. I was informed by the representative that the bank had accessed my credit report to determine I have been preapproved for a mortgage with their company. At the time they requested my report I had not even heard of their institution. My credit is excellent and I am not in the market for a mortgage considering my mortgage has been paid for two years, and this company inappropriately accessed my confidential And private financial information. If there is not a law preventing unsolicited access to my credit report there should be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
I bought a car and financed it through Toyota Financial Service. The financial term was for five-year, but I paid the car off within 2 years. Toyota stated that they sent me my car title, which they were not able to provide a tracking number for it. I waited 2 months and still did not receive my car title to register my car at another state. One of their customer representatives said they would help me obtain a duplicate title. However, when I called back they insisted for me to do it by myself. I had to pay for a title that was supposed to be sent to me after a paid-off. I contacted the state DMV and they indicated that Toyota did not request a title, and that the car was still under their lien. So Toyota had to send me a lien release after several contacts. In the end, they were not responsible for the title, and I had to drive back to the original registration state to request a duplicate. This process took way too long and had costed me money for a title that I deserved to receive at the end of my term. Toyota handled the situation very poorly, and their customer service representatives were not trained well and provided different solution every time. I would like for Toyota to pay me back the title fee incurred for having to do a duplicate title. This was because they could not send me the original title and blamed that responsibility on the postal service, when they did not even have a tracking for an important document they sent out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit Management continues and has violated my rights via phone and mail under section 15 US 1692 under the Fair Debt Practices Act. I have enclosed an invoice in the amount of {$19000.00} to be paid via check for 19 violations. I have included my affidavit of truth along with the exhibits that highlights these violations. I also have sent this affivdavit of truth along with invoice via certified mail to Midland Credit Management. This has caused me mental and physical distress.

Company response to consumer: Closed with non-monetary relief