vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: FL

Complaint narrative:
IQ International suddenly appeared on my XXXX XXXX report, which I check weekly, in the amount of {$1900.00}. 
They never sent me a letter or phoned to say this was owed. 

Apparently, this stemmed from an apartment that my significant other, XXXX XXXX, and I moved into with XXXX  XXXX XXXX in XX/XX/XXXX. When the covid flu became widespread, and XXXX  XXXX closed all the common amenities, they allowed us to move out in XXXX, XXXX. We would not owe any further rent upon rental to another family, they said, and in fact did rent to another family as of XX/XX/XXXX. XXXX XXXX employee, XXXX XXXX, who rented to us ( and received our keys upon departing ), sent us a letter dated XX/XX/XXXX verifying that the new renters were there as of XX/XX/XXXX. When the IQ collections contacted XXXX in XXXX, XXXX, she told XXXX XXXX who reiterated that we did not owe anything to them or any collections agency. In addition, they volunteered that they had dropped IQ International as a collection company due to so many complaints. IQ International continued to harass XXXX by phone and mail until late XXXX, when they apparently stopped when she complained to CFPB. 
Today, XX/XX/XXXX, I saw that IQ International showed up on my credit report ( I look at it weekly via XXXX XXXX as I'm working on getting my credit scores higher ). I have not been late on any bill for a number of years so this stood out. Please help me straighten this out as XXXX XXXX appears to be concocting a fake claim. Thank you, XXXX XXXX ( XXXX ) XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Bank credit card account # XXXX XXXX XXXX XXXX not only has the wrong information ( payments, amounts owed, and total balance ) posted on all three credit bureaus, but I paid this account off. My agreement with Regions Bank was to pay them the agreed amount and they would remove this negative information from my account. However, this account remains on all three of my credit bureaus. I called Regions Bank today and they totally agreed with me ( XXXX Option # XXXX ) but said they can not remove the account in that department. The credit bureaus are unwilling to remove the account because they are incompetent. Please help me remove this very old credit card account that has been paid off and contains false information. 

I'm attaching an example of this account via credit report to help you analyze the problem.

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 2021-08-30 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: Self Financial Inc.
State: PA

Complaint narrative:
The information you provided is different from other bureaus. This account is reporting late as reported in my XXXX and XXXX Credit Bureaus. Also, please reinvestigate the whole information especially the account status, high credit, current balance, payment status, and comments. This information seems to be misleading, lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is not reporting my credit information or XXXX  score on my credit report. I have sent Equifax my W2s, drivers license, utility bill and they still have failed to update my score and report. I have disputed hard inquiries I didnt authorize and they still have failed to update my report. I have called to escalate and they will not allow me to speak to a Manager. I started communication in XXXX and they still have not responded or updated my files. I can be reached at XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In section 611 ( a ) it is plainly stated that a failure to investigate these claims within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I'll file for litigation due to the stress you've caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
-Submitted initial deferment exit request on XX/XX/21, with 19 attachments meeting application requirements. 
-Called on XX/XX/21 to inquire the status, and was informed by an agent that my application was mistakenly filed in another program ( short sale instead of deferment exit ). 
-Sent email on XX/XX/21 recapping the phone call, and asking to confirm status. Sent original email as an attachment, demonstrating my original request and how Freedom Mortgage had messed up my request. 
XXXX called Freedom Mortgage and spent more than 2 hours on the phone trying to get Freedom Mortgage to process my request under the right status. I was contacted by a supervisor by phone and email, and she assured me she was working on the issue. She admitted Freedom Mortgage made a mistake and committed to fixing it. 
XXXX Received email from the supervisor stating the issue was escalated. 
XX/XX/21 Received another letter requesting incorrect information- sent email to supervisor. 
XX/XX/21 Let supervisor know I will file a complaint.

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 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Security Credit Services has a " collection '' on my credit report for the amount of {$1200.00}, from a retailer called " XXXX  ''. This account, created in XX/XX/XXXX, was opened without consent or permission by an ex-girlfriend. I noticed the debt at the end of XXXX, beginning of XXXX. We had since ended the relationship, as she was suffering complications as a result of her addiction. I attempted to resolve it with her, but she never fulfilled our agreement, paying me {$0.00} total. I never pursued criminal charges, due to her family being close friends with mine, and to settle it civilly would mean I would have to travel to XXXX, costing more than the alleged debt. 
I've attempted to reach out to Security Credit Services on several occasions, as I am willing to take on the debt to clear it from my report, because it has affected employment opportunities, causing me lost opportunities and income. It also affects my buying power for a house. I am about to have my XXXX XXXX, and this will affect her in the long run. 
I have contacted XXXX XXXX XXXX XXXX and left messages requesting something in writing, or an option on how to pay, yet I have never received one piece of mail/invoice from them. I contacted them nearly every month in XXXX, and XXXX of this year. I have not attempted contact since XXXX, as I moved from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Collection Systems, Inc.
State: TN

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. They are reporting a collection as an Open account which is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I disputed 2 fraudulent XXXX  charges with Chase, my credit card company and they claim that these charges are not fraudulent. I asked them to review this a second time and they state that they have reviewed it and I indeed receive the service. 

The charges were on XX/XX/2020 for the amount of {$560.00} and XX/XX/2020 in the amount of {$1000.00}. 

I am even willing to show them my XXXX account that doesnt have any of these rentals. I have attached a screenshot of my profile and the trips to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management
State: MI

Complaint narrative:
Around XX/XX/XXXX of this year, I sent an affidavit of truth and an invoice for {$7000.00} to fox collection center. It has been over 30 days since they have received those documents and my affidavit has not been rebutted, meaning that it stands as true. However, I have not received payment for the invoice, as they are now liable to remedy me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In trying to unlock a credit freeze Equifax login would not work. I previously had set up a log in username, password, and pin and in the past have been able to manage my credit freeze this way. On XX/XX/XXXX I lifted a credit freeze with XXXX XXXX and XXXX  but was unable to do with Equifax. I tried to reset my password, but the system asked me questions about my credit file that I could not remember and then gave me a message to call XXXX. When I called in, they asked other questions that I could not remember like when I opened an account 4 years ago or some cryptic name that a bank has on the report. Then before I speak with a customer service rep the system automatically hung up on me. I tried calling three more times that day to avail. It was either on the phone or online that the automated system indicated that I could get my credit report by mailing in my personal information. I sent in my information sometime between XX/XX/XXXX XX/XX/XXXX and received my credit report about 10 days later. The report is dated XX/XX/XXXX. 
On XX/XX/XXXX I tried to reset my password again but was unable to do so and got the message to call XXXX again. I used my credit report that had been mailed to me to more accurately answer the questions asked by the automated phone system. I finally got through to a customer service representative and after many more questions she told me that I needed to clear my browsing history from my web browser and try to reset my password after waiting 30 minutes. I complained to her about how long it had taken me to get to her, but she just started repeating the instructions until I realized she was not going to help me any further. I followed her instructions, and I was still not able to reset my password. Any other company in the world has the ability to force a reset of a password so I find it hard to believe that Equifax is the only company that lacks this capacity. Therefore, I feel as they are purposely making using a free service difficult and that should be illegal. 
I have tried again today, XX/XX/XXXX the same process of first trying to rest my password online but the system immediately indicates that I need to call XXXX. I called and followed the prompts and using my credit report to answer the questions, I was denied speaking with a customer service representative. I looked everywhere on the web site for a different way to call in and did find a different number, but it leads to the same prompts as the other number. 
I am trying to refinance a home and a company that I am a partner in is trying to finance a large equipment purchase ; this lack of access to my frozen Equifax has become a hardship and I am unable to speak with anyone at Equifax to come to a resolution. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: SC

Complaint narrative:
I paid XXXX XXXX in full on my Home Equity line. I tried to do a settlement option with XXXX XXXX in XX/XX/2021 to pay less than owed but they wanted me to apply for a settlement but I only wanted to pay them in full. They led me to believe that they may accept my settlement offer. That is the only reason that I did not pay them sooner as I had already sold stock in my IRA acct to pay them in full. The acct was closed and is still closed but they are reporting to Experian that the acct is still open and that I have not paid them in full when I paid them in full with a wire transfer on XXXX for the full amount owed of XXXX but they are still reporting to Experian and other credit agencies that the account is still open and that I am late for payments. I disputed this with Experian and provided them with the statement showing it was paid but they ignored it and still reported incorrect information.

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 2021-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
This problem has been ongoing since XXXX, I have had to open multiple disputes through Apple credit card ( goldman Sachs ) and every time I open disputes, they ALWAYS favor the merchant ( XXXX ) There were multiple unauthorized purchases on my card through XXXX, XXXX helped with most of them besides one order that was {$1400.00}. My credit card issuer Goldman Sachs is saying that the dispute keeps favoring them no matter what evidence I give them.

I really want to sue or something, I have no idea what to do now. Goldman Sachs wants me to pay them the full XXXX no matter what. I did not make this purchase through XXXX. 
Order was made on XX/XX/XXXX, and I had to open like 10 disputes already through them. 
XXXX said they cant refund it because my account was closed or suspended ( because it was hacked ) but no idea why they wont help at all. 
I do not plan for paying this AT ALL. 

If you need proof of anything, let me know please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners
State: LA

Complaint narrative:
My husband is in the military and I have had medical coverage which includes emergency room visits. They did not bill my insurance correctly and XXXX from my insurance company also contacted them to let them know how to bill. I was called also on the day of XXXX after a XXXX removal and XXXX XXXX. Asking me to pay Which also aggravated healing. And caused unneeded XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I sent IC Systems an affidavit of truth and invoice for {$12000.00} back in XXXX. They violated several laws under the FDCPA and have not sent a rebuttal to my affidavit, meaning it is true. However, they have not paid the invoice that they are now liable to and only sent me a letter saying the accounts were being sent back to who they came from. It's too late.

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 2021-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Last year during COVId I was out of work and my mortgage company Chase Mortgage put me in a forebearance program for a year which they said they would then rework and put the money owed on the end of the loan after the year was up I had not heard from them about the new payments and when I contacted them it took several months for them to finally tell me I have to pay all the back payments owed by the end of the year or my house will go in foreclosure and they are not offering me any other options

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation