vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I.C. SYSTEM, INC IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND I.C. SYSTEM, INC IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. I.C. SYSTEM, INC is in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!

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 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Applying for mortgage, was told to pay XXXX dollars for good faith ( I thought it meant if I could pay ) so I gave it to them. So after talking to them I started to Have my kitchen updated place painted. Was told after appraisal we will have mortgage. Paid for house in XXXX in full no mortgage. Now Rocket Mortgage LLC, is not giving us mortgage because kitchen is in the middle of update, they need running water and counter tops. The sink the stove sitting right there. Countertops in about 2 weeks. Now we are stuck with this. The least they can do is give me my XXXX dollars back since they didnt know that they should of told us about not remodeling. If this is the new world we live in the banks just steal our money, have called repeatedly now they tell me the money is used for the appraisal they wanted, house was paid for {$280000.00} cash, and that is what appraisal came to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: MD

Complaint narrative:
I HAVE SOME ACCOUNTS THAT I DO NOT RECOGNIZE OF MY OWN AND WOULD LIKE THEM REMOVED IMMEDIATELY. I HAVE ATTACHED THE PROPER DOCUMENTATION DESIRED TO HAVE THESE ACCOUNTS REMOVED. PLEASE SEE TO IT THAT THESE COMPANIES RECEIVE THESE COMPLAINTS AND ACT ACCORDINGLY.

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 2022-03-25 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: AZ

Complaint narrative:
TRANSUNION violated my federally protected consumer rights under the FCRA. I sent in a FTC Identity Theft Report via certified mail with a return slip on XX/XX/22. It was received on XX/XX/22. ( Proof attached ) Along with the FTC Identity Theft Report was a cover letter stating my claims and all identification needed for the fraudulent accounts to be removed pursuant to 15 USC 1681c-2. Pursuant to 15 USC 1681c-2, TRANSUNION had 4 business days to remove the accounts from my credit report ( XX/XX/22 ). I filed Identity Theft for four ( 4 ) fraudulent accounts and only two ( 2 ) were deleted. This is unlawful and a violation of 15 USC 1681c-2. It is well over the 4 business days. TRANSUNION is obligated to remove the XXXX and XXXX XXXX XXXX accounts pursuant to the FCRA, as they are fraudulent. Moreover, TRANSUNION stated they verified the accounts and the accounts have delinquencies. I filed identity theft for a reason. I demand a full disclosure and the source of this verification, pursuant to 15 USC 1681g. Moreover furnishing these accounts along with the delinquencies is a violation of 15 USC 1681s-2. No where in the FCRA does it state that delinquencies are to be reported, ESPECIALLY since they're inaccurate. I have done everything I needed to do via federal law to have these fraudulent accounts deleted from my credit report and file.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please update my personal information to accurately reflect per the 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 non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please update my personal information to accurately reflect per the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT

Complaint narrative:
I AM A VICTIM OF ID THEFT AND XXXX FCRA FTC LAW ENFORCEMENT REPORT ATTACHED. 
CHEX SYSTEMS INC.

IS REPORTING FRAUDULENT BANK ACCOUNTS IN MY NAME.

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 2022-03-25 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: LEXISNEXIS
State: UT

Complaint narrative:
I AM A VICTIM OF ID THEFT AND XXXX FCRA FTC LAW ENFORCEMENT REPORT ATTACHED. 
XXXX XXXX XXXX. 
IS REPORTING FRAUDULENT BANK ACCOUNTS IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: ID Analytics, Inc.
State: UT

Complaint narrative:
I AM A VICTIM OF ID THEFT AND XXXX FCRA FTC LAW ENFORCEMENT REPORT ATTACHED. 
XXXX XXXX XXXX. 
IS REPORTING FRAUDULENT BANK ACCOUNTS IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: LA

Complaint narrative:
I contacted the original creditor XXXX XXXX XXXX XXXX Ph # XXXX, they could not verify the debt ; Additionally, the representative made excuses and attempt to gain information from me in reference to my physical address rather than using any information they would have on file since their claiming I owe the debt it would be such a record or documentation or proof to this fact in their possession. 

I provided the name of the debt collector supposedly was hired by XXXX. the company name is Americollect , Inc . and the amount {$71.00} owed Additionally I fax this dispute to XXXX who claimed they did not receive the dispute on XX/XX/22 also they tried to make a new dispute for XX/XX/22 attempting to cover up for their negligence in misplacing the original dispute letter therefore getting around the F.C.R.A. Section 611

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
NCB MANAGEMENT SERVICEIS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND NCB MANAGEMENT SERVICEIS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. NCB MANAGEMENT SERVICEis in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
I have send a letter for verification and it been 30 days no respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: EQUIFAX, INC.
State: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Hello, I have a mortgage with Mr. Cooper. I have payments automatically send via XXXX XXXX XXXX bill pay each month. All payments have been sent and received on time as verified by both my bank and Mr Cooper. 
For an unknown reason, my XXXX payment ( received by Mr Cooper XX/XX/XXXX ) was credited as " additional principal '' instead of my regular monthly payment. This then set off a chain reaction of late payments in which I was never notified at all about. I only became aware of this on XX/XX/XXXX when my XXXX XXXX report notified my of my credit dropping from XXXX to XXXX due to late payments from Nationstar Mortgage ( aka Mr Cooper ) I have since called numerous times, mostly never getting through to a human. On XX/XX/XXXX I spoke to a representative that fully agreed with me and said she would " escalate it '' I sent an email XX/XX/XXXX to the research department and received a response ( attached ) that made no sense and did not address the problem at all. I replied to their response asking to please give an answer to why my payment was randomly applied to " additional principal '' and received yet another reply that does not answer the problem ( attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Business Revenue Systems, Inc.
State: WV

Complaint narrative:
XX/XX/2022 and account number is XXXX. I was patient last XX/XX/2022. 

I already have two health insurance and found out that XXXX XXXX XXXX XXXX forgot to add my health insurance : the health plan insurance including XXXX XXXX 

XXXX XXXX XXXX XXXX informed me not to pay debt owing and fixed it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I received a letter from Citi bank stating that the Wire Transfer that happened on XX/XX/XXXX wasn't Fraud. 

It was fraud and I'm requesting proof that it wasn't fraud my son lost his wallet that had his ID, check stub, and debit card in there. This must be an internal issue as we're not giving proof of anything. 

Please provide explanation as why it's not fraud when I'm claiming it is. Please clear this balance up as this wire wasn't done by me or my son.

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 2022-03-25 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: MD

Complaint narrative:
I HAVE SOME ACCOUNTS THAT I DO NOT RECOGNIZE OF MY OWN AND WOULD LIKE THEM REMOVED IMMEDIATELY. I HAVE ATTACHED THE PROPER DOCUMENTATION DESIRED TO HAVE THESE ACCOUNTS REMOVED. PLEASE SEE TO IT THAT THESE COMPANIES RECEIVE THESE COMPLAINTS AND ACT ACCORDINGLY.

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 2022-03-25 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: MD

Complaint narrative:
I HAVE SOME ACCOUNTS THAT I DO NOT RECOGNIZE OF MY OWN AND WOULD LIKE THEM REMOVED IMMEDIATELY. I HAVE ATTACHED THE PROPER DOCUMENTATION DESIRED TO HAVE THESE ACCOUNTS REMOVED. PLEASE SEE TO IT THAT THESE COMPANIES RECEIVE THESE COMPLAINTS AND ACT ACCORDINGLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NM

Complaint narrative:
On XX/XX/2021 I applied to XXXX  XXXX XXXX and was told there would be a {XXXX} deposit and {XXXX} application fee, I was told if I was denied, I would receive {XXXX} back and they would keep the {XXXX} application fee. I was denied that same day and told to wait a month for my {XXXX} deposit to be placed in my account. I waited a month and contacted the office, they kept giving me the runaround. Saying it would be mailed to my address. 2 months later I contacted my bank to file a claim for my {XXXX} deposit. On XX/XX/2021 I filed a claim for {XXXX} claim # XXXX. The bank put the original charge of {$XXXX} into my account. I advised them I only wanted my {XXXX} deposit back. They can not do partial payments for claims, so on XX/XX/2021 the bank reversed my claim and returned {XXXX} back to XXXX XXXX XXXX. This company actually owes me my {XXXX} deposit back. My bank has confirmed that this company has my {XXXX} and owe me my {XXXX deposit back and now they have sent me to collections trying to get another {XXXX} from me. They are also claiming I owe {XXXX} in move out fees. I never moved in. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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:
I have lived in XXXX al of my life and i have never filed bankruptcy. I believe someone else has been using my information. I have used my credit before but no one ever told me i had a bankruptcy until recently. i have included the accounts in this complaint i also will list the fraudulent addresses that are listed on my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA 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 non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
Several threatening messages have been left. The messages contain personally identifying information that should not be released during the course of the voicemail. There were written notifications left on my door that were not enclosed within an Envelope. After XXXX was performed my XXXX  has been called as well as other family members and the nature of the debt has been disclosed to them. The calls are abusive and harassing and I do not feel comfortable working with the company. Any disclosures that I have received do not contain proper disclosures as far as bankruptcy is concern. It also did not have a truth in lending with the initial notification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
My lender started a escrow account in XXXX of 2021 and i have complained about it several time without any sucess. I was not deliquent in taxes nor for insurance. I did not agree to restart escrow account. Asking them to remove the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.

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 2022-03-25 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
I have had 2 types of medical insurance for the past 10 years. I pay my agreed to co payments on time and at the time of service. Currently I have a collection for XXXX dollars on my credit report that is for un-paid co payments that I did pay in XXXX. 

CREDIT BUREAU SYSTEMS - Last reported XX/XX/XXXX {$60.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation