vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
The short version : IC Systems attempted to collect a debt for a service that I never received and was never invoiced for. I paid the sum anyways to avoid blemishing my credit. Nevertheless, IC Systems continues to report it as delinquent to credit agencies. 

The long version : My son used to attend an aftercare program operated by XXXX XXXX in XXXX. His last day in the program was XX/XX/XXXX. We received the final invoice on XX/XX/XXXX and paid it in full on XX/XX/XXXX. We did not hear anything further about our account until XX/XX/XXXX when a XXXX employee emailed us to say that we had an unpaid balance of {$66.00} for the week of XX/XX/XXXX. We immediately called that employee and asked her to send us an invoice. She failed to do so. After consulting our calendars, we determined that our son had not attended XXXX for the week in question. We considered the matter settled until sometime in XXXX when I received a letter from the collection agency, IC Systems, demanding the {$66.00} that we didnt owe. I went ahead and paid the sum to avoid blemishing my credit. The payment was processed by XXXX on XX/XX/XXXX. However, IC Systems continues to report the amount as delinquent to credit agencies.

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 2021-10-28 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: AZ

Complaint narrative:
Equifax has not updated an account since XX/XX/2021. I was removed as an unauthorized user for one credit card on XX/XX/2021 that still appears on my credit report. Another account that I was added as an authorized user shortly after has still not appeared on my credit report. These two accounts accurately reflect on my XXXX credit report and my score is over 60 points better because of it. Equifax is causing my hundreds if not thousands of dollars a year by not reflecting my most up to date credit information for lenders. When I requested my full credit report from annual credit report.com, Equifax provided me with a completely blank document and has not responded to my complaints of withholding my personally financial information. Equifax should be fined for violating credit reporting rules and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This started back in XX/XX/XXXX with XXXX XXXX  when I was separating from my estranged husband and this company ignored all documentation sent for a Deed In Lieu of foreclosure request. 

They had us fax the documentation and then wait for a response. I never received any acknowledgement of the receipt of my paperwork despite constantly writing and calling. 

The home eventually foreclosed and I was going through too much at the time ( hospital stays, loss of a job at a company where we both worked ) due to the ending marriage, etc ) to keep fighting with them. 

Fast forward to XXXX and after the devastation of the pandemic, I have being calling them time after time to find out why there's still a balance on my credit report despite them telling me over the phone that I owe nothing. 
1. The balance they have is bringing down my Experian score, but it is reported correctly on XXXX. 

2. I've disputed this many many times, and the amount has changed a few times but not to {$0.00} like they said it should be. 

3. I've called and they said they could provide written documentation, then turned around 2 business days later to say they couldn't. 

4. They told me to email their credit department because they could get me a copy. SURPRISE, they never answered the email.

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 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
There is a online payday loan that keeps coming up on my credit report from speedy cash it is not mine, i have disputed it for years it goes off my report then they put it back on my XXXX again. its got the date of XX/XX/2015 for XXXX i did not do this someone did fraud on my account.i contacted the debt company that has the debt and they told me to go this route. its through XXXX XXXX. THERE EMAIL ADDRESS IS- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: MS

Complaint narrative:
Received foreclosure letter from attorney, Submitted modification request with financials. While my request for modification was being processed, I've tried to call the mortgage company several times I'm hung up on, put on hold. I call back the phone rings and no one answers. I have been calling for several weeks. Finally spoke with XXXX today Selene Finance she stated I never should have been mailed a foreclosure notice while they were working on modification request. I have received several denials all the denial reason have been different. One denial stated a report from XXXX was the reason for my denial. Another denial stated insufficient income, because they had my income incorrect, did not look at the paystubs, bank statements and tax returns, lastly I had a debt ratio issue, I don't understand how. I have read modification are based on your income, I am aware there is a covid 19 modification and other mortgage assistance programs. Did they reduce my interest rate, and monthly payment so I could keep my home. I want a modification and not to be put on a forbearance with is a catch up plan. 
They also refused to give me a forbearance because I was affected by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
To let it be known once and for all and finally the truth to come from JP Morgan Chase Bank, NA XXXX XXXX or her representatives at JP Morgan Chase located at XXXX XXXX XXXX Mail code XXXX XXXX, LA XXXX XXXX. XXXX XXXX That you are aware that XXXX XXXX committed fraud when he conned me to move out XX/XX/XXXX and never got clear title with XXXX XXXX  or neither XXXX XXXX XXXX XXXX XXXX. That you are aware of FTC # XXXX FILED XX/XX/XXXX and my letter sent to MERS on the matter. That you can confirmed I spoke to an representative female from the FTC on or around XX/XX/XXXX advising me to call chase lien release dept. and " ASK THEM WHAT THEY WILL DO FOR YOU ''. That upon that call two female employees apologized for what XXXX XXXX had done to me and promised me a Discharge of Mortgage on the property and congradulate me on a paid up loan for XXXX. That you are aware no foreclosure sale were made to MERS FOR XXXX. That you are aware of or can look up the records that upon my call to chase executive office XX/XX/XXXX and my discussion with XXXX he said, XXXX XXXX I AM LOOKING AT THE SYSTEM AND YOUR LOAN NEVER WENT INTO FORECLOSURE STATUS AND IS IN LATE PATYMENT STATUS NOW. Loan no. XXXX MIN XXXX and evidence of my trust account with the OCC as case XXXX then notice dated XX/XX/XXXX dept. of treasury as claim id. XXXX and notice from chase on XX/XX/XXXX as my claim as claim no. XXXX. Please Investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: FL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: PA

Complaint narrative:
Greetings, I XXXX XXXX am writing to expunge the following information from my file. The items I request to be deleted are listed in this report. I am a victim of identity theft and did not make the following charges or changes. I ask that these items be deleted to correct the flaws reflected in my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2021-10-28 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: PA

Complaint narrative:
Greetings, I XXXX XXXX am writing to expunge the following information from my file. The items I request to be deleted are listed in this report. I am a victim of identity theft and did not make the following charges or changes. I ask that these items be deleted to correct the flaws reflected in my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: NJ

Complaint narrative:
I have attempted to reach out to TransUnion 3 times to remove a fraudulent account from my credit profile and they have not. Nor have I been sent any supporting documents or a detailed explanation of their past investigation progress. 

The account XXXX Acct XXXX XXXX is fraudulent, and also the name on the account is " XXXX XXXX  ''. My name is not " XXXX XXXX  '' I have asked them to remove this inaccurate and fraudulent account many times and they have not responded or removed the account. 

I have also submitted a Fraud Affidavit with the Federal Trade Commission.

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 2021-10-28 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: PA

Complaint narrative:
XX/XX/XXXX XXXX cleaned all Fraudulent Accounts off my report. You guys started in XX/XX/XXXX removing a fraud account but there are more ties to that one I enclosed down below.

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 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
I was not informed or contacted by the collection agency Penn Credit Corporation until after the debt went into collections not was I notified by XXXX XXXX XXXX that the power remained on at my old apartment. I thought my ex girlfriend had turned it off but she had not. I was unaware of this until the debt went into collections on my credit report. I asked to have it removed from my credit report on goodwill being that I payed the debt off in full today on XXXX. I had to seek out and call Penn Credit Corporation to have this debt paid not once did they contact me otherwise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
There is a online payday loan that keeps coming up on my credit report from XXXX XXXX it is not mine, i have disputed it for years it goes off my report then they put it back on my XXXX again. its got the date of XX/XX/2015 for XXXX i did not do this someone did fraud on my account.i contacted the debt company that has the debt and they told me to go this route. its through NCA XXXX. THERE EMAIL ADDRESS IS- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/2021 I was scammed by someone I meet on snap chat .She told me she was going to give me XXXX just to have my attention. After the funds were available she started being very wired and didnt wan na give me proof that the check was real and really her and wanted me to send her money. So I quickly went to my bank and told them it was a scam. The bank closed my account and been under investigation.

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 2021-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Due to the fact that I am a 100 % XXXX veteran, my student loans are paid in full. The credit agencies are still showing a balance.

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 2021-10-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Due to the fact that I am a 100 % XXXX veteran, my student loans are paid in full. The credit agencies are still showing a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Due to the fact that I am a 100 % XXXX veteran, my student loans are paid in full. The credit agencies are still showing a balance.

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 2021-10-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank is reporting a charge off that doesn't belong to me and XXXX is reporting lates that are not correct.

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 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed a dispute with my bank due to a duplicate charge that was charged to my account from a Merchant for a payment that had already been paid. I provided the bank with invoices from the merchant as well as a copy of the money order reflecting the payment that was made to the merchant. I also informed that bank that the contract that the Merchant provided did not reflect my signature. In spite, of all the evidence that was provided the bank still denied and closed the dispute. I also conducted a three-way phone call with the merchant and the Supervisor XXXX XXXX confirmed that there was a XXXX dollar balance on the account and the {$500.00} payment in question had already been paid.

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 2021-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Closed two of my credit cards and lowered limits on two other cards that I have with them I have never missed a payment and have been with them for years Oldest card 2014. 
After closing my accounts the rewards are no longer there.

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 2021-10-28 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: LA

Complaint narrative:
XXXX reported incorrect that I had a {$400.00} debt on my credit card on XX/XX/XXXX, even though I remitted payment on the due date which was XX/XX/XXXX when my account was current and I didn't owe them any money. 

They repeatedly send the incorrect information to the credit reporting agencies in a attempt too harass people to send more money or send money they don't owe. I called them and they said my account was current. I've called them multiple times and been hung up on, lied to and given the incorrect information. 

XXXX  submit false information to get customers to contact them and is slow to fix errors, if they ever. 

I will be leaving this bank as soon as possible, don't put your financial well-being at risk with these people.

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 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a significant deposit during the period to my account, which should have resulted in the monthly fee being waived. However I am being told since I withdrew part of it soon after that it does not qualify and I was charged a monthly fee ( on top of a variety of other fees I already had to pay this month for accessing and transferring the money ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX is reporting a charge off that doesn't belong to me and Target is reporting lates that are not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i do not want this costly service and they refused to cancel the subscription

Company response to consumer: Closed with explanation