vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft ALLY FINCL Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine.

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 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CT

Complaint narrative:
I received notification from IC Systems that I supposedly owed this debt to XXXX. I sent them a letter disputing the debt in XX/XX/XXXX. I asked them to send verification of the debt. I filed a complaint with CFPB in XX/XX/XXXX regarding the debt. I received a validation notice from IC Systems in XX/XX/XXXX. The notice included the bill from XXXX. The bill references that in XX/XX/XXXX I supposedly lived at XXXX XXXX XXXX, XXXX, Florida XXXX. I have proof that I DID NOT live that I NEVER lived at that address. I am filing another complaint with IC Systems in XX/XX/XXXX. I will send another certified letter to IC Systems indicating that the verification documentation is NOT accurate. My next step is to involve an attorney. 

The debt is NOT mine. I never had an account with XXXX under the address that they are proposing. I have not lived in XXXX for over 25 years. This is not my debt. This is a product of stolen identity. Beyond name there is no other verification that this is my debt.

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 2021-08-23 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: MD

Complaint narrative:
I have disputed these fraudulent negative accounts and they are still on my credit. I submitted dispute letters and FTC reports and they still have not been removed. 

Transunion : XXXXXXXX XXXX XXXX {$8300.00} XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX {$8300.00} XXXX : XXXX XXXX XXXX {$8300.00}

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 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: PA

Complaint narrative:
I began getting calls from XXXX in mid XX/XX/2021. These calls were actually being intercepted by my phone company XXXX 's robocall-blocking feature but I could see the Caller ID and number that was calling me. I called XXXX and was told that I had a balance due to XXXX of {$300.00}. I told them this account is fraudulent and they told me that this was being reported as fraud and would be referred for investigation. They told me that I did not owe XXXX anything. 
In early XXXX, I received nearly 20 calls over 4 days. I called XXXX again and was told that I still had a balance due to XXXX of {$300.00}. I subsequently found that someone had opened at least 2 accounts in my name, SSN, address and telephone number fraudulently. I also found out that there was a balance due on a second account of {$180.00}. 
When I contacted XXXX XX/XX/XXXX to report the fraud I wasn't even aware there was second account. I was told that the suspect account would be closed, that I am not responsible for the amount due and that their collection agencies would be made aware and would not contact me. 
On XX/XX/XXXX, I received an invoice from American Coradius International ( XXXX 's collection agency ) stating that I had a balance due of {$180.00}. When I followed up with XXXX on XX/XX/XXXX about this, I discovered this was the second fraudulent account under my name. XXXX, supposedly, will now close this account as fraudulent, too. 
XXXX will not or can not give me any information about when these accounts were opened. I do know that the email address used to open these accounts is not my actual email address. XXXX does not have record of my actual email address. Since email seems to be XXXX 's preferred ( perhaps only ) method of communication, I never knew about these accounts. 
I have asked XXXX to provide me a written confirmation of the actions they have taken, but their customer service representatives and a supervisor would not give me that information. The company is not taking my concerns seriously and believe that I should take appropriate actions under the law. It is very difficult to contact anyone with authority at XXXX. 
I was told that all a person needs to open a XXXX account is to provide an email address. Since I have a security alert on my credit reports, I know that XXXX does not seem to have tried to determine my credit rating. This is very poor business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Im quite aware that I have the given right as a California customer and consumer to make as many payments as I want to any financial institution at any given time, prior to any due payment date. 

However recently their online payment system is NOT allowing me to make payments prior to any due payment date. 

Also, I have encountered several issues trying to make credit card online payments through the CHASE CARD CREDIT SERVICES website : https : //www.chase.com.

The Chase.com online payment system is purposely sabotaging the credit card payment process, by eliminating and NOT displaying the expected payment confirmation page. 

Usually, when I make a credit card payment on the Chase.com website, it displays the following parameters information on its dashboard page : 1. Schedule a payment page, Payment Type, Pay from, Payment due Date, cancel tab, and Pay this bill tab. 

2. After setting and selecting the above parameters, I click on the " Pay This Bill tab and the system is suppose to automatically take me to the confirmation page. 

3. The confirmation page usually displays the following information : " Does everything look OK?, Amount of payment, Payment date, Pay from, Back Tab, and Pay It Tab.

Then I click on the " Pay it tab and the payment is posted.

However, recently Chase.com credit card online payment system does NOT take me to the dashboard confirmation page, and does NOT allow me to finish making my payment. 

The confirmation page is completely empty. It does NOT provide me with the following information : Does everything look Ok?, Amount of payment, Payment date, Pay from. Back Tab, and Payment Tab.

I have contacted Chase credit card credit services by phone at XXXX and spoken with several phone representatives to inform them of the malfunctioning of its credit card payment system and they have provided me with contradicting information on why this is happening. 

They have even told me that XXXX credit card payment system wont allow me to make a payment because I dont have a payment due at this time. 

I know that statement is completely false!!! I have the right to make as many payments as I want. 

I have also contacted them through their secure message system on the Chase.com website and they have not resolved the issue. 

Making these online configurations not accessible to their customers especially under the Covid-19 Pandemic situation, is unacceptable. Chase JpMorgan Bank. 

Chase.com and JPMorgan Bank should be penalized for these fraudulent business tactics against their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation
State: SC

Complaint narrative:
Receivables Management Corporation The third party collection agency has attempted to collect a medical debt, and has sent me an itemized statement with all medical procedures done. This collection agency has violated Hippa, I did not authorize Receivables Management Corporation to have access to my medical records which is in violation and my privacy rights. 
List Date : XX/XX/20 Amount : {$240.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: FL

Complaint narrative:
I mailed a dispute letter to equifax, XXXX  and XXXX  on XX/XX/XXXX. Equifax is the only creditor who has failed to respond to me within 30 days. I called them to ask them why and the rep told me they never received my letter which is completely false. I sent it! They are jeopardizing my financial situation and this is not fair to me. I do not have the ability to send them yet another letter and wait yet another 30 plus days!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL 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 2021-08-23 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I had a medical collection hit my credit from CCS. I called the collection company immediately and asked what it would take for a letter of deletion. The person I dealt with said that was impossible, and they had to report it to the credit bureau, so I settled it. I understand I made a mistake by thinking my lab work was covered by insurance. After doing research, this is a lie, and they could have helped. But for them to flat out lie and XXXX my credit up for 7 years is a terrible way of doing business, even for a collection company. Calls are recorded if you wanted to investigate the business. Many similar complaints like mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Synovus Bank
State: GA

Complaint narrative:
My complaint about SYNOVUS Bank as follows, I own a gas station known as XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX GA XXXX. I financed this business through SYNOVUS in XXXX, I had an interest rate of 3.5 % around XXXX the interest rate went up to 5.5 % and it remained the same until XX/XX/XXXX. 
During the pandemic I kept the business running so people could get gas for their car and other necessities, I had no employees because no one wanted to work in a retail environment, it goes without saying how much difficulties I was facing physically and financially but I had no choice but to keep the store open. While sports teams like the XXXX XXXXXXXX and high-end eateries like XXXX XXXX XXXX were getting SMB disaster and PPT loans, I was having no luck. 
Meanwhile my loan with SYNOVUS was up for renewal in XX/XX/XXXX, suffering from a down trend in business I have asked the bank to lower the interest rate so that my payment would be reduced which would be a big help for the business financially and ensure we can remain open and running. After asking for interest reduction what transpired was unbelievable, to this day I am in disbelief that banks can act the way they acted with me. I am going to describe this situation in brief. 
After I had requested an interest reduction, the bank started to send me to different loan officers, and I was getting nowhere, finally a loan officer told me I needed to go to their Branch and sign renewal documents ASAP otherwise the bank would put my property on Auction. So being afraid of losing my business I went ahead and signed the document paying double to triple amounts of money for Inspection, document fees, i.e. For your information, in 13 years I was never late with my mortgage payment, I had no non-compliance issues, all in all I had an impeccable history with the bank. After lodging a written complaint with the banks executive office, I got an email from Mr. XXXX XXXX XXXX who claimed to be the General Council for the bank, I had a few email exchanges with this gentleman but so far, I am not aware of any action bank took to address this unethical and unprofessional behavior by one of their employees.

I contend I was discriminated as a minority business owner and this was a predatory lending practice by SYNOVUS, therefore I urge you to look into this matter and take necessary actions and ask them to compensate me for my loss and adjust the interest rate to current market rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2021 I started filing disputes with Credit Bureaus about the information that is being reported on my credit report. I have not heard or receive a response from the Credit Bureaus. Since then I still I sent more letters and still have not received a response. The three credit bureaus are Equifax, XXXX, and XXXX. I have sent them documents show that the information was not correct. They haven't verified the information or sent response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX refuses to recognize legal court documentation that the court ruled in my favor with no money owed to XXXX XXXXXXXX XXXX. They also keep removing the dispute from their online system so I am unable to view the status of any investigation. I filed a dispute on XX/XX/XXXX ( attached reference ) and it is no longer showing a status -its gone. Once I spoke to a XXXX rep the told me a dispute was submitted on XX/XX/XXXX ( attached reference ) and the credit agency said it was valid. All documentation provided says I owe no money owed to XXXX XXXX XXXX. I am filing this second complaint because XXXX and NCS is publishing inaccurate information on my credit reports. 
And asking NCS and XXXX  to provide valid documentation that disputes a court decision and documentation from the surety company that no money is owed to XXXX XXXX XXXX ( reference attached stating no money owed to the community ). Or remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX-Date of inquiry XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation