vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 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: I.C. System, Inc.
State: NY

Complaint narrative:
IC Systems is reporting a fraud accout on my credit. 
I didnt open this account, nor did I authorize anyone to do so on my behalf. 
Please remove this account from all 3 credit bureaus

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 2021-07-29 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: GA

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monarch Recovery Holdings, Inc.
State: IA

Complaint narrative:
Monarch has sent me multiple letters and phone calls asking me to pay a debt that I don't owe them in the amount of {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Good Day, Thanks for reading this letter, I have 2 issues my first issue is with the Equifax Reporting Agency, I was late on my XXXX XXXX Credit Card for being in the XXXX  from XXXX, for 6 months during that time my credit dropped over 100 points, I contacted XXXX XXXX and they removed my late payments with documentation, I looked at the score increase and it only went up 2 pts, I would like to know how you can take a 100, but when corrected only give back 2 pts, also I have unauthorized inquiries in which I have disputed several times asking for proof that I was the one that made those inquiries and they tell me they cant remove, this is illegal if it is not mine ... .. I feel like this bureau is not fair according to the Fair Credit Reporting Act .... The inquiries are 1. XXXX, XXXX, XXXX  XXXX/XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, I did not make these inquiries nd I want proof that it was me that did I have contacted these creditors as well ... .. this company Equifax does not treat customers fair according to the law ... .. also there is a collection on my report that is not my debt I have ask for verified proof that I had a account with XXXX XXXX XXXX XXXX have disputed this item over and over this item should not be on my report, could you please look into this matter I am very sick and need my credit to get hospital care ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX ... XXXX  XXXX XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
I sent a debt validation memo to FIRST FINANCIAL INVESTMENTS FUNDS HOLDINGS on XX/XX/2021 requesting validation of a debt collection in the amount of {$34.00}.

On XX/XX/2021, I received a response memo in reference stating the account could not be verified and was therefore closed via the collection agency.

As of todays date of XX/XX/2021, the accrual still open and reporting falsely and negatively on my credit file with a credit bureau ( s ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: RI

Complaint narrative:
XXXX  dont fixed report show error in my credit. Reporting account opened fraudulent of Wells Fargo/ XXXX XXXX and XXXX  XXXX lending Both account still showing opened current account is no mine and danger my score another reason put this complaint is because my credit is low compares other credit reported dont show correct fico score danger my record and limited opportunities get credit

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Experian dont fixed report show error in my credit. Reporting account opened fraudulent of XXXX XXXX/ XXXX XXXX and XXXX  XXXX lending Both account still showing opened current account is no mine and danger my score another reason put this complaint is because my credit is low compares other credit reported dont show correct fico score danger my record and limited opportunities get credit

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 2021-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I received an email about two weeks ago from Chime, telling me that my " new card '' was being sent to an address I haven't lived at in over 6 years. Because I have never had a Chime card, I sent them a request the same day to cancel the account. Since then, I have had repeated requests for more information - what email address was the notice sent to ; send us a screenshot of the email ; confirm your current address ; send us a picture of your photo ID and last four of your SSN. With the last request for a picture of my ID and my SSN, I have had enough. I am not going to send an either to a company I do not know anything about and with whom I do not have a relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
IT would be better to talk face to face, I work for XXXX  and could do a TEAMS call. 
Student loans from XXXX XXXX degree, I never had any Exit counseling ECT or education. I deferred for most of the 12 years I worked as a XXXX  employee in XXXX XXXX. They never offered me a payment plan, I made to little to afford to pay with a wife and XXXX little kids. I would have had most of my loans forgiven, with my 5 years a a federal employee. I am in the income repayment plan now, and they prior to this temporary relief from the president were literally Robbing me every month. I begged them for lower payments, they don't care that I am an XXXX  XXXX with XXXX children in private schools, holidays, XXXX food expenses Ect. they just lump me in a box, and gave me payments over $ XXXX month. I have been trying to get all my forgiveness months added, its XXXX. they want all docs Wet signed I am not sending my SS # over XXXX, and cant do it from work. in add Fed loans is going to stop servicing my loan. I am scared I will get messed up again waiting to see if loan forgiveness ever passes. 17 years public service, I should not be scared of my own government killing my financial freedom. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Credit bureaus are reporting inaccurate information my credit on a business account that was charged off and fully paid by the business. This account should have never shown o n my personal report. Multiple disputes only resulted in computer generated responses from the credit bureaus with no proof of what they have investigated and how.

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 2021-07-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
XX/XX/2021 Kia Motor Finance XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX, Account number XXXX Vehicle Title Dear Sir, Consider this a complaint letter. Here is the story : On or about XX/XX/2021, I mailed a check for {$10000.00}, payable to XXXX XXXX, to your lease end office ( see USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). There is evidence the payment was received and processed. This payment was a payoff of the remaining balance for my lease. My expectation was that I would receive a lien released title within a reasonable timeframe. 

However, as of today, XX/XX/2021, my lien released title has not been received. 

I have called your Customer Service multiple times asking about the status of my title ( please review my account records for the applicable dates ). Each time, they have requested information that has already been submitted on multiple occasions ( Odometer reading, North Carolina Bill of Sale ). Your online portal indicates these items have been received. However, as of today, no one in your customer service group can provide a status regarding my title, and/or when my title will be delivered to me. 

Ultimately, I would rate your customer service as a 2 ( on a 10 point scale, with 10 being the best ). Although your staff was reasonable courteous, they were useless in resolving the issue. This is very poor customer service. 

Anyway, please provide any information related to locating and delivering my vehicle title. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX XXXX Cc : XXXX CFPB XXXX XXXX, President and CEO, Hyundai Motor America, XXXX XXXX XXXX, Vice President, Customer Satisfaction, XXXX XXXX XXXX, Director of Quality and Service Engineering, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Credit bureaus are reporting inaccurate information my credit on a business account that was charged off and fully paid by the business. This account should have never shown o n my personal report. Multiple disputes only resulted in computer generated responses from the credit bureaus with no proof of what they have investigated and how.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Credit bureaus are reporting inaccurate information my credit on a business account that was charged off and fully paid by the business. This account should have never shown o n my personal report. Multiple disputes only resulted in computer generated responses from the credit bureaus with no proof of what they have investigated and how.

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 2021-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2021-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES
State: AZ

Complaint narrative:
Borrower suffered financial hardship resulting from a temporary COVID 19 related furlough of Borrowers spouse and Co-borrower on XX/XX/XXXX. Borrowers financial hardship was exacerbated when spouse unexpectedly and prematurely passed away on XX/XX/XXXX. 

Borrower was granted Covid forbearance effective XX/XX/XXXX. 

Borrower notified Lender on XX/XX/XXXX that Borrower wished to end forbearance and seek relief under the COVID-19 FHA-HAMP Combined Loan Modification and Partial Claim with Reduced Documentation as described on pages 12-13 of HUD Mortgagee Letter of XXXX XX/XX/XXXX ; and pages XXXX of HUD presentation, Update to FHA 's COVID-19 Loss Mitigation Policy. 

It was specified at that time that Borrower was not eligible ( could not afford ) loan modification based on a partial claim covering COVID related forbearance alone. Borrower provided justification and documentation to support this petition. Lender acknowledged that Borrower 's application was complete on XXXX XX/XX/XXXX. 

Despite assurance from Lenders Loss Mitigation department that the FHA-HAMP waterfall guidelines would be used, Lender provided Borrower a loan modification offer dated XXXX XX/XX/XXXX limited to the COVID-related forbearance. 

The Borrower has made several attempts to correct clerical errors in the original offer and have the loan reviewed in accordance with FHA-HAMP waterfall guidelines. Lender has not provided any evidence that it has made a good faith effort to promptly and properly review borrower 's request. To the contrary, Lender issued a second edition of the COVID combined partial claim and loan modification, on XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX Borrower was advised by Lenders Loss Mitigation Depart to disregard that offer ( copy of email attached ). However, since that time Borrower has not received another offer and has be contacted to execute the XXXX XXXX documents on multiple occasions. On XXXX XX/XX/XXXX Borrower confirmed by phone that Lender was unwilling to consider Borrowers petition for a FHA-HAMP based partial claim. 

Monthly payments have been reinstated according to the original loan and Borrower remains current ( excluding the forbearance amount ) on this loan at considerable cost to Borrower 's limited disposable income. Time is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Greetings, I have sent several disputes to the credit bureaus and to no avail. Can you all please assist me in getting these derogatory items deleted from my credit report. Your help will be very much appreciated. Please delete these negative unverified accounts. 

XXXX XXXX- XXXX-Unverified account XXXX XXXX XXXX -XXXX- Unverified account XXXX XXXX XXXX- XXXX- Unverified account XXXX XXXX -XXXX- Non-Compliant-please delete XXXX XXXX  XXXX XXXX-XXXX- Unverified account- delete immediately Thank You for your help, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have never had account with Midland Credit Management according to the law, i ask for proof, that I hada account directly with them to put on my credit report, this information is inaccurate, you stated you was able to verify but where is the proof???? How is this possible??? Under the laws of the FDCPA, I have contacted the agency and have been unable for them to have physical proof that this is indeed my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: GA

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Greetings, I have sent several disputes to the credit bureaus and to no avail. Can you all please assist me in getting these derogatory items deleted from my credit report. Your help will be very much appreciated. Please delete these negative unverified accounts. 

XXXX XXXX- XXXX-Unverified account XXXX XXXX XXXX -XXXX- Unverified account XXXX XXXX XXXX- XXXX-  Unverified account XXXX XXXX -XXXX- Non-Compliant-please delete XXXX XXXX  XXXX XXXX-XXXX- Unverified account- delete immediately Thank You for your help, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TX

Complaint narrative:
Greetings, I have sent several disputes to the credit bureaus and to no avail. Can you all please assist me in getting these derogatory items deleted from my credit report. Your help will be very much appreciated. Please delete these negative unverified accounts. 

XXXX XXXX- XXXX-Unverified account XXXX XXXX XXXX -XXXX- Unverified account XXXX XXXX XXXX- XXXX- Unverified account XXXX XXXX -XXXX- Non-Compliant-please delete XXXX XXXX  XXXX XXXX-XXXX- Unverified account- delete immediately Thank You for your help, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I've complained repeatedly about these thousands in fraudelent charges on this card and nothing has been done to remove them. Now my credit is screwed up, as expected with these XXXX XXXX. My balance should be {$0.00}. Whatever was bought wasn't by me and I never benefited from it or had any knoiwledge what stranger did it.

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 2021-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
This account was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
they call repeatedlu everyday in the morning i blocked their number and it worked a couple of days but now they are somehow getting past the block XXXX  some software.

Company response to consumer: Closed with non-monetary relief