vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
A sketchy letter was received on XX/XX/2021 that a debt collection company XXXX demands my mother to pay a debt amount of {$250.00} due to a company she does not own at all. No company name was given and my mom does not have any company. The website given was not secure and a complete scam. There was no clarification about the company my mother owned and their was no real address or phone number.

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 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
There are two unauthorized inquiries on my credit report. The credit report does not have a contact phone number for the companies requesting my credit report. I tried calling from phone numbers on line to find out who and why these two companies are inquiring on my credit, but was not able to speak to anyone about this issue.

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 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
I spoke with many people at Andreu, Palma, Lavin & Solis, LLC regarding a wage garnishment issue. Once that was taken care of I was informed of another file they have for me. The file is for a judgement from XX/XX/XXXX. In XX/XX/XXXX, my bank account was frozen and I had it unfrozen because I was living alone raising a child. I was very naive at the time under the impression I would be notified at a later date to resolve the issue with the debtor. Well over the years, 17 years to be exact I had forgotten all about it since I was never contacted. Now in XX/XX/XXXX, I am being informed by Andreu, Palma, Lavin & Solis, LLC I owe over {$14000.00} on this judgement from XX/XX/XXXXand the only way I found out was because I was calling about another issue. The I was asked if the my contact number was still the same and I was provided a number that I have not had the use of since the year XX/XX/XXXX. I want proof that there was an attempt to contact me over the past 17 years. I find it unreal that a company has held onto this debt and has charged me interest daily for all this time but couldn't locate me to try to collect the money. Also, I asked to try to resolve this issue and was told the client will only accept a lump sum amount. There has to be a way to have proof that there has been an attempt to locate me and a reason why I can't try to make this right after 17 years. I know I owe the money, but I feel as if they are just trying to break me after all these years of no contact by demanding a lump sum payment to clear it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CO

Complaint narrative:
Received letter from 'ERC Collections ' stating that I owe {$270.00} to XXXX . The letter is under XXXX XXXX XXXX. My name is XXXX XXXX. I have an active account in good status with XXXX for my internet and phone service. 
I owe nothing to XXXX and the bill is bogus. I have tried calling 'ERC ' several times with 2 different phone numbers. Both are 'Disconnected '. 
Phone # 1 > XXXX Phone # 2 > XXXX Their website only allows payment with no live agent to discuss. 
The bill is not valid. 
I have attached a picture of the collection effort as well as my current ( Paid auto payment ) bill for XX/XX/21 billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I was approved for a joint credit card via Ashley Home Stores/Synchrony back in 2017. A couple of years later the joint account holder filed bankruptcy and included our joint account in her claims. I was unaware of this and the account now shows as a charge off on my credit. It is affecting my ability to obtain good loan rates and approval by other loan companies and I have tried contacting the company to settle the debt but they are telling me they can not accept payment because the amount has been written off for bankruptcy. There has to be a way for me to get this removed from my credit report so it does not affect me for the rest of my life. I have never defaulted on a loan in my life.

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 2021-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Works & Lentz of Tulsa, Inc.
State: OK

Complaint narrative:
Debt was paid at the hospital before the hospital would complete a XXXX procedure on my wife in XX/XX/2019. Works and Lentz continues to harass me and my wife. They have continually called my wife 's place of employment. The caller states that they are a lawyer and will sue us if we don't pay them also. Caller says that we still owe them even if we paid the hospital directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently had my credit pulled and noticed that only 2 of the 3 major credit bureaus were reporting scores for me. XXXX and XXXX had no problem pulling up my accounts however, Experian is not reporting on my credit file. I thought that maybe there was a freeze on it so I gave them a call but they could not find such a thing. I was very confused because no one could tell me what was going on. Experian needs to report my accounts! I am in the middle of trying to buy a home and for the life of me I can not get anyone with Experian to give me any answers. My scores must report immediately, I have accounts open that should be reporting and they must provide me with a score.

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 2021-02-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, a collection for the amount of {$360.00} was sent to Experian agency due to a late payment from XXXX XXXX. The amount for this collection is inaccurate, and should be removed immediately. 

I have had this account for over five years and have never missed a payment. On XX/XX/XXXX a payment was made and posted. There was a stop payment attached to the card that the creditor was pulling from, so when the debt was being pulled the payment didnt go through. Once I became aware that my payment was late, I immediately paid the entire balance of {$360.00}, which is inaccurate to what was reported to Experian, so I would like for this late payment to be removed. 

I've notified XXXXXXXX XXXX and Experian several times and have sent letters to them as well and nothing has been resolved although the information reported is inaccurate and I have shown goodwill by paying over the amount that was reported, immediately.

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 2021-02-24 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: NJ

Complaint narrative:
I've been disputing fraud account on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The account is not showing in dispute nor is it removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the account to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Our mortgage servicing company changed during our mortgage period. We were not aware of the change in companies. Our mortgage payment is set up on automatic withdrawal. Our payment went out on time every month and was received every month. The dispute involves our payment in XXXX, 2018. Our payment went out to the same place we had always sent it. The payment/check was received and the amount was deducted from our account. The payment was then returned to us in early XXXX and that was when we learned there was a new servicing company. We promptly made a new payment. I have attached copies of our bank records to verify our issue. 

This is incredibly frustrating. When we appealed the report all that happened was that the current mortgage company confirmed they received the payment late. No one looked at our supporting documentation to show we were not late in making a payment, it just went to the old servicer. This should not reflect on our credit history as all of the payments were made on time and deducted from out account.

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 2021-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
Simons Agency is refusing to remove the open balance on there end even though it is deleted from my credit report. It say I owe two payments which are false because I went to the XXXX XXXX XXXX in the XXXX XXXX which was a free health clinic. I should have never been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: NY

Complaint narrative:
XXXX XXXX tried you file unemployment of Ohio 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 non-monetary relief
Consumer complaint received 2021-02-24 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: MD

Complaint narrative:
I made a purchase XX/XX/XXXX for XXXX which was debited then credited back to my account. I didnt receive any merchandise and I was whole. On XX/XX/XXXX Chase authorized XXXX to be redebited from my accountw/I notifying me they deemed to charge to be good. By then, I could not reach the invoice or the vendor. On XX/XX/XXXX I disputed the rebill and received a letter from Customerservice XXXX that that was closed as of XX/XX/XXXX. I again disputed it emphasizing the XX/XX/XXXX rebill. It is almost a year now in dispute and it is still not resolved. I can not get a customer service to help ( after waiting over an hour to get CUSTSERV ) because it is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I'm a legal resident in USA, working in a position as staff for XXXX XXXX. I have a USID ( PID XXXX ) from Department of State that is never accepted by any of Credit Score Agencies or enterprises, because is not recognized by anyone, although I have a sane financial statement and I don't have debts. 
I have my SSN but is not accepted by Credit Score Agencies, because is only for work. I have my XXXX visa and I am discriminated continously when I try to acces to any service taht requieres credit score or report from credit file. 
I don't have TIN, because I pay my taxes in my origin country. 
The last problema has been applying for a TJ MAx card. 
My files can be queried in XXXX, XXXX and/or my bank ( XXXX ). 
That's a discrimination.

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 2021-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JTM Capital Management, LLC
State: TX

Complaint narrative:
JTM Capital Management sold my account to XXXX XXXX XXXX. Account was settled with and XXXX. Submitted disputes to CRA to have removed. JTM is refusing to remove from Credit Report. Made several attempts in contacting the Collection Agency but keeps getting voicemail or hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different accounts numbers and yet they are never investigated nor removed. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I spoke with many people at XXXX, XXXX, XXXX XXXX XXXX, XXXX regarding a wage garnishment issue. Once that was taken care of I was informed of another file they have for me. The file is for a judgement from XXXX. In XXXX, my bank account was frozen and I had it unfrozen because I was living alone raising a child. I was very naive at the time under the impression I would be notified at a later date to resolve the issue with the debtor. Well over the years, 17 years to be exact I had forgotten all about it since I was never contacted. Now in XXXX, I am being informed by XXXX, XXXX, XXXX XXXX XXXX, XXXX I owe over {$14000.00} on this judgement from XXXX and the only way I found out was because I was calling about another issue. The I was asked if the my contact number was still the same and I was provided a number that I have not had the use of since the year XXXX. I want proof that there was an attempt to contact me over the past 17 years. I find it unreal that a company has held onto this debt and has charged me interest daily for all this time but couldn't locate me to try to collect the money. Also, I asked to try to resolve this issue and was told the client will only accept a lump sum amount. There has to be a way to have proof that there has been an attempt to locate me and a reason why I can't try to make this right after 17 years. I know I owe the money, but I feel as if they are just trying to break me after all these years of no contact by demanding a lump sum payment to clear it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: NY

Complaint narrative:
I was sent a Debit card from US Bank ReliaCard. It was unsolicited. 
I called the toll free number, XXXX and was told another division handled that card. 
They transferred me and I was immediately hung up on. I called again and told them I would contact you. They transferred me and immediately hung up again.

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 2021-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I get paid once a week. My card was lost, so on MondayXX/XX/XXXX I called to replace it and ask bank if america to XXXX XXXX my check as I have no cash for the last week. This was around XXXX XXXX XXXX they advised in a new disclosure it could take 24 hours. It's now XXXX XXXX XXXX XXXX XXXX at the bank will help me I have reviewed no wire. Since XXXXy I have called and called to ask why it hasn't been wired, I have held for hours on dead lines. I need my pay to feed my family. I need help the bank refuses to send it allow me to get my check even tho I explained it's an emergency.

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 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Link Management, LLC
State: TX

Complaint narrative:
They are sending text messages to a company cell phone. It had my name in the text and is showing an apparent amount owed. I have not spoken to anyone regarding such debt and they are basically texting not only a random number but a number for a company cell phone potentially exposing sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: TX

Complaint narrative:
1. I was asked to submit SSA form sent by them to get notarized 2. I spoke to Chief engagement officer Ms XXXX and she told me that was not fair if they were not accepting the form. 
3. She asked contact center manager XXXX to contact me and she said the same thing. Then she went on leave, leaving me with XXXX no response 4.I contacted contact center and I was told I do not qualify for a saving account as I do not qualify ( my mother is a member ) and that they could not verify my social security number already sent to them notarized. 
5. I was told come to Utah to we can identify you and later made excuses you will waste money by coming here, when I stated I am coming. They asked me to open an account with XXXX XXXX XXXX!? 
I felt I was wronged in every way and pure injustice was granted. They never responded to any of my email plea and finally sent a letter of adverse action giving me why I can not apply. I will attach or fax copy of the letter. I have copies of all emails, text messages sent to America First for records. I am just confused and feel I have not been treated fairly

Company response to consumer: Closed with explanation