vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a credit alert that that my score dropped 34 points due to two collection accounts reported by IC Systems. After further research, I concluded IC Systems is reporting a MEDICAL DEBT from XXXX XXXX XXXX XXXX XXXX that was sold to them on XX/XX/XXXX. IC Systems has violated the 180-day (  six month ) wait period before a medical bill can be reported to credit bureaus. I believe that is a shady fraudulent reporting tactic on behalf of IC Systems to not label it as a medical collection but a collection/charge-off. The medical collection was {$1400.00} in which IC Systems is illegally reporting two separate balancing of {$1400.00} and {$73.00} which show two collection accounts. To make matters worst the country is coming off lockdown for more than 45 days due to COVID-19 and IC Systems reports two collections prematurely that has impacted my credit scores. That makes me ask did the state of Minnesota deem IC Systems " essential workers '' during this global Pandemic. I have yet to receive correspondence by mail from IC Systems pre COVID-19, during or after. IC Systems is a shady collection agency. 

Account # XXXX {$1400.00} Account # XXXX {$73.00}

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 2020-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
A fraudulent credit account with SAMs Club was taken out in my name. As of XX/XX/XXXX, it is in collections ( see attached ). I did have a SAMs Club credit account, but this was closed in XXXX ( see attached ).

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

I have attached a police report, FTC Identity theft, and Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
Hello, So, obviously with the pandemic going on, things have been tough for many people. I know that Congress has contacted banks to tell them to stop charging fees, and one of those banks was my bank, TD Bank. I contacted them on XX/XX/XXXX. The refunded me one of my overdraft fees, but not the other one. Two days ago, I received  another fee and it was a maintenance fee. 

In my honest opinion, I believe that it is incredibly unethical for a company to be continuing to take advantage of it's fee policy while a State of Emergency is going on right now. Many banks have put a hold on charging those fees, but TD Bank has continued to make sure it takes every dollar it can while many people are struggling. Can you please help me? 

Maintenance fees are {$15.00} Overdraft fees are {$35.00} ( if you went into overdraft with one transaction, they charge you an overdraft for for every single transaction until your account is positive again )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow  reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

I have attached a police report, FTC Identity theft, and Affidavit.

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 2020-05-21 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/XX/20, I requested that Barclays close my Uber credit card due to the fact my credit limit was decreased. After further thought on XX/XX/20 I decided to inquire about my account being re-opened, as I feared it would impact my credit score by closing my account. I spoke to a friendly lady on the phone and she stated my account was never fully closed and it can easily 'reactivated ' as it was within 30 days of my closure request. She assured me this would have no impact to my credit score as it would be using my same credit account and it would be reported the same exact way since it hasn't actually been closed yet. Now, fast forward a few weeks my credit score has dropped a whopping 55 points despite stellar credit history on all my other accounts. Upon investigating, and speaking to the credit bureaus, the only change that occurred were " remarks added '' on my Barclays Uber Card and my old account was closed, with a new one being opened. This caused a huge impact to my credit report and Barclays flat out lied about how this would be handled. They ASSURED me that a new account would not be opened and reported.

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 2020-05-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: MO

Complaint narrative:
I have not received a direct deposit neither a debit card!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I was a customer of XXXX but in XX/XX/XXXX my service was turned off. I owed a balance of {$310.00} ; which they forwarded my information to a collection agency Southwest Credit on XXXX XX/XX/XXXX and they sent my information over to another collection agency also XXXX XXXX XXXX  on XXXX XX/XX/XXXX. I have been receiving calls non stop from both companies even after explaining to them that I have spoken with XXXX about them placing me with 2 different collection agencies for this 1 bill and that I need to know who actually suppose to hold the account. I have told them that they need to contact XXXX also and they reply in an aggressive manner with " They are the original holder and XXXX has entrusted them to collect on the debt in the amount of {$310.00}, and I will pay the amount that is owed or further action will be taken. 
I feel like I am being strong armed by both companies for a total of {$620.00} ; which is more than what I originally owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I'm having an issue within wellsfargo 's covid19 forebearance program, in XXXX I opted for 3 month suspension. After I learned more about it I called XXXX asking for information on how I would be paying back the loan forebearance. On both occasions the rep sidestepped abby concrete options on how i would be paying back the forebearance. They would not give me a concrete plan! Add my loam is a XXXX XXXX loan, they said I couldn't defer the 3 months without a loan modification, and i can't get a loan modification if I'm unemployed, and the only reason i asked for forebearance wad because there fed said i could grey one. Them they took away my online link to pay my mortgage online before the forebearance was over. There is no transparency from wells Fargo on what my option is to pay the forebearance. A lump some payment is a long shot. I read that XXXX XXXX backed loan ther servicer is supposed to offer the consumer deferment. It seems that wells Fargo is partly being vague about the terms ...

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Alliant Capital Management LLC
State: AR

Complaint narrative:
ACM WAS LISTED ON OUR BK XXXX XX/XX/2017 AND IS STILL APPEARING ON OUR XXXX   CREDIT REPORTS.SEE ATTACHED, MANUALLY NOTIFY XXXX  THAT OUR CREDIT FILES ARE SUPPRESSED AND MUST REMOVE VIA DELETION LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/20, I requested that XXXX close my XXXX credit card due to the fact my credit limit was decreased. After further thought on XX/XX/20 I decided to inquire about my account being re-opened, as I feared it would impact my credit score by closing my account. I spoke to a friendly lady on the phone and she stated my account was never fully closed and it can easily 'reactivated ' as it was within 30 days of my closure request. She assured me this would have no impact to my credit score as it would be using my same credit account and it would be reported the same exact way since it hasn't actually been closed yet. Now, fast forward a few weeks my credit score has dropped a whopping 55 points despite stellar credit history on all my other accounts. Upon investigating, and speaking to the credit bureaus, the only change that occurred were " remarks added '' on my XXXX XXXX XXXX and my old account was closed, with a new one being opened. This caused a huge impact to my credit report and XXXX flat out lied about how this would be handled. They ASSURED me that a new account would not be opened and reported.

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 2020-05-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/20, I requested that XXXX close my XXXX credit card due to the fact my credit limit was decreased. After further thought on XX/XX/20 I decided to inquire about my account being re-opened, as I feared it would impact my credit score by closing my account. I spoke to a friendly lady on the phone and she stated my account was never fully closed and it can easily 'reactivated ' as it was within 30 days of my closure request. She assured me this would have no impact to my credit score as it would be using my same credit account and it would be reported the same exact way since it hasn't actually been closed yet. Now, fast forward a few weeks my credit score has dropped a whopping 55 points despite stellar credit history on all my other accounts. Upon investigating, and speaking to the credit bureaus, the only change that occurred were " remarks added '' on my XXXX XXXX XXXX and my old account was closed, with a new one being opened. This caused a huge impact to my credit report and XXXX flat out lied about how this would be handled. They ASSURED me that a new account would not be opened and reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: NJ

Complaint narrative:
On XX/XX/20, I requested that XXXX close my XXXX credit card due to the fact my credit limit was decreased. After further thought on XX/XX/20 I decided to inquire about my account being re-opened, as I feared it would impact my credit score by closing my account. I spoke to a friendly lady on the phone and she stated my account was never fully closed and it can easily 'reactivated ' as it was within 30 days of my closure request. She assured me this would have no impact to my credit score as it would be using my same credit account and it would be reported the same exact way since it hasn't actually been closed yet. Now, fast forward a few weeks my credit score has dropped a whopping 55 points despite stellar credit history on all my other accounts. Upon investigating, and speaking to the credit bureaus, the only change that occurred were " remarks added '' on my XXXX XXXX XXXX and my old account was closed, with a new one being opened. This caused a huge impact to my credit report and XXXX flat out lied about how this would be handled. They ASSURED me that a new account would not be opened and reported.

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: AR

Complaint narrative:
XXXX WAS LISTED ON OUR BK XX/XX/XXXX- XX/XX/XXXX AND IS STILL APPEARING ON OUR XXXX   CREDIT REPORTS.SEE ATTACHED, MANUALLY NOTIFY XXXX THAT OUR CREDIT FILES ARE SUPPRESSED AND MUST REMOVE VIA DELETION LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
Contacted by Rocket Mortgage about refinancing my home for a lower interest rate. So i agreed, it started to become a nightmare because they kept checking my credit and my score went down 47 points. I cancelled the refinance and indicated the reason why and asked them to stop checking my credit due to the issue it was causing, they ignored my request and continued to check my credit driving the score even lower. I've emailed them asking them to remove the inquires and was ignored. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
When I lost my job in XXXX they offered me a payment arrangement but I would have to close my account and the minimum payment would be {$25.00} for 12 months with a lower interest rate. I set up auto pay with a bank account but I had a fraud issue so I closed the bank. I CHANGED THE ACCOUNT INFO. I opened a Wells Fargo bank account so the auto pay would come out directly. I explained to the XXXX XXXX XXXX On XXXX location and they reassured me it would all be set up. The bank did not set it up and I pay the {$25.00} AS AGREED and every month it is higher saying Im behind now putting it on my credit saying past due over 90 days! I have called and cant speak to this department because I now work Im an essential worker and the hours i get off they are closed. I called early XXXX AND XXXX and got transferred 5 times put on hold and disconnected. They sent letter finally but no resolution past XX/XX/XXXX. My credit is still messed up. Plus they put on my credit that grantor closed the account. I agreed to close the account I said I want to close it and go on this payment arrangement they make it look like Im not paying and they closed my account. Im going to close my bank account now. Im furious They make mistakes. Im lied too. The bank associate opened my bank account and says my certified checks are free. The first one I do they charge {$15.00}. The rep calls me he made a mistake about my address in my profile and my account will be closed if not fixed. I tell him the issue and he never corrects it. The credit card company and the bank both constantly make mistakes and dont fix them.

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 2020-05-21 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good morning. I want us to help me fix a problem with my banking. I got scam and I report that to my bank I deal with, but it seems like chase report me for something I did not commit. I am innocent, and any bank do not want to deal with me because of that. So I need help to fix that please. Thank you, I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
CB/VICSCRT is in my credit report and shows that I have late payments in my history, which I am disappointed because I know that I pay my dues on time. The dates that they said I am late are XXXX, XXXX, XXXX, XXXX, XX/XX/2019 this might be that billing did not get to me on time or I did not recieved it at all. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks CBNA XX/XX/2019 2019

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ZWICKER & ASSOCIATES
State: AR

Complaint narrative:
XXXX XXXX XXXX, ZWICKER, XXXX XXXX AND ALL COLLECTORS SOLD NOW MUST REQUEST XXXX  TO MANUALLY REMOVE ALL TRADELINES AND JUDGEMMENTS FROM THERE DATA BASES, MUST FURNISH WRITTEN LETTERS XXXX NO XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation