vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I wanted to inquire about this debt. I dont understand why it is on my credit report since I have not received anything in the mail prior to seeing this debt from IC System on my Credit Report. 

It is to my understanding that IC system is required to send written notice prior to inserting themselves on my my Credit Report and wait 30 days from that point before they put it on my Credit Report. Furthermore it appears that theyre attempting to collect on a XXXX XXXX XXXX related debt and I have also never had any XXXX XXXX XXXX related products. 

If IC systems feels this debt is valid please provide me with the original terms and conditions that state that IC system is allowed to benefit in the form of interest and fees. Simply providing me with monthly statements is not going to be sufficient please note I am asking for validation and verification of the original terms and conditions related to the debt and not just monthly statements. 

As a result of this alleged debt I was also turned down for a recent line of credit with XXXX   XXXX XXXX for {$30000.00} and they specifically referenced the debt being the sole cause. I needed this line of credit for a remodel for my business.. 




Please do not contact me by telephone please communicate in writing only via USPS mail. In the event that you or anyone reading this complaint do call me I am revoking permission to record my voice or use automated pre-recorded dialing systems. Any calls or communication in connection with this debt from IC System or XXXX  I do consider to be an attempt to collect on a debt so please govern yourself accordingly. Debt collection matters and subject to the fair debt collection practices act and The California Rosenthal act. I am also now represented by an attorney and want IC System or XXXX  to communicate with XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX 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 2019-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I submitted an application package to Navy Federal Credit Union for a refinance under a VA loan as I am a Veteran. I submitted my package on XX/XX/2019 and submitted all required documentation through their website. I called on XX/XX/2019 and was informed my loan was still in processing and was told the estimated closing costs would be {$2000.00}. 
After not receiving any further responses, I sent an email on XX/XX/2019 inquiring about status. I was informed on XX/XX/2019 that my package was with underwriting. I called later and left messages with no responses. I then received a letter, dated XX/XX/2019, my application was denied because of : " unable to verify credit references '' and " insufficient cash for transaction ''. I sent a follow-up email asking for clarification but received no response. I am a XXXX working for the XXXX XXXX, made all my payments on time, and do not understand the denial. I do currently have some high balances with XXXX, but these are currently in dispute and I could have provided the background. I am a XXXX veteran who feels I have been discriminated against for some reason. No one even bothered to contact me for any clarifications on their decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Social Security check went into bank. The credit company the loan is with, Advance Financial, took money out too early contrary to my check deposit day and the agreement signed. Not only did they take one payment out, they did it twice, over drafting the account. Now there is no money in account for rent and credit co refuses to refund any money they illegally took.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: NY

Complaint narrative:
The loan has been paid off, i only have a couple of fees to pay off and now they've added an extra fee of {$290.00} which no one wants to give me an explanation for nor remove from my account. 

Ive made the following attempts : XX/XX/2019 spoke with XXXX XXXX : stated that she would send account to a different department that handles, and they will contact me, no one has contacted me nor was this resolved. 
XX/XX/2019 spoke with XXXX XXXX : stated that my account would be sent to the department which will review the account and soon contact me, no one contacted me - nothing has been resolved. 
XX/XX/2019 spoke with XXXX ; I requested a Supervisor. I spoke to Supervisor XXXX and she did call me back a week later to state the same thing, that someone will review the account & contact me but still no resolution. 
XX/XX/2109 - emailed the following 4 Westlake Executives : XXXX ' ; XXXX ' ; ' XXXX ' ; XXXX ' I have submitted an explanation of all the payments made, XXXX spreadsheet with all the payments of the auto payoff completed, statements for XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 & 2 statements for XX/XX/2019. No one gives me any explanation where this fee came from. I have forwarded another email to on XX/XX/2019 to get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: NY

Complaint narrative:
I previously notified you an error on my personal credit report and that I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Was told on my denial letter that my social security number " was associated with too many identities ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: OH

Complaint narrative:
I recently got a alert over the Holidays that I had new inquiries and account on my report. I have been in the middle of building my credit and letting it age so I knew I have no appd for or Got any new accounts. I have disputed these and I have shown proof of my complaints and ftc report and still nothing been done I have know my rights and know that this is agasint my rights to report false information and these inquiries and account need to be deleted now XXXX and XXXX and XXXX XXXX  and XXXX inquiries and a XXXX account was added and these are not authorized by me and need deleted now before i go to the attorney general to file another complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX v synchrony bank I havent used the synchrony bank care credit account since 2009. 
I just noticed that all of the sudden I have an amount due from synchrony bank, which is now past due on my Credit Report. I am disputing this debt because I havent used this card since 2009 and am perplexed as to why there is even a balance all of the sudden after all of these years. The reporting is in accurate and it is causing me damage right now because I am presently obtaining a mortgage for a new home purchase. My lender has indicated that the in accurate reporting from synchrony bank is causing my rate to jump one percent up which over 30 years is over {$100000.00} in additional interest I am going to incur. Additionally, my closing costs on this matter are now in excess of {$4000.00} and because of the new Mark I will no longer be receiving a {$4000.00} credit but now will have to come up with {$4000.00}. I am requesting that synchrony bank delete this inaccurate portion from my credit report. I am requesting no telephone calls from synchrony bank and revoking consent for them to contact me in connection with the debt or its reporting. Any phone calls I get form synchrony are not desired and in the event synchrony bank does contact me I am requesting that they not record my telephone call or use any pre-recorded dialing systems ( calls or sms ). Furthermore, I am also represented by an attorney, but no lawsuits have been filed. My representative had been trying to get into contact with them and the simply do not respond to resolve this matter. I do not know why I must spend so many countless hours trying to fix this their mistakes it is causing me a lot do XXXX  and 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 2019-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: NV

Complaint narrative:
i am a extremely ill sick XXXX consumer of ameri home mortgage company who refuses to asist me with my mortgage hardship and/pr to modify my mortgage i am in a very difficult hardship position with my mortgage payment need help assistance ameri home my mortgage continuose to refuse assistance and help with my mortgage hardship even though i numerous times have applied and requested them to assist me with my mortgage hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
I have received a statement in the amount of {$700.00} on a time barred account from Dynamic Recovery Solutions. I do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
The auto payment set up system has deficiency which induce to interest rates charges unfairly. 

The online/cell phone App Bank of America auto payment provides FOUR options : Amount Due, Minimum Amount Due, Account balance and Fixed Amount. If Amount Due was chosen, the system will default the Minimum Amount for auto payment charges WITHOUT ALERT. Users may consider the selected amount due as the TOTAL amount due at payment date. However, by end of next statement date, interest rates will be automatically charged because of positive balance due. 

Per my past 10 years credit history, I have no part due statement ever. And, I have the financial capability to make the full amount due. But due to the deficiency of Bank of America auto payment, I was unfairly charges interest rate fees and my credit scores were negatively impacted. 

All other banks such XXXX, XXXX or XXXX, if Amount Due was chosen for auto payment, system will either force users to select the amount of auto payment or default to the total amount due at payment date. In this way, users will be altered to specify a amount of auto payment, to avoid interest rate charges.

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 monetary relief
Consumer complaint received 2019-12-29 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: OH

Complaint narrative:
I recently got a alert over the Holidays that I had new inquiries and account on my report. I have been in the middle of building my credit and letting it age so I knew I have no appd for or Got any new accounts. I have disputed these and I have shown proof of my complaints and ftc report and still nothing been done I have know my rights and know that this is agasint my rights to report false information and these inquiries and account need to be deleted now XXXX and XXXX and XXXX XXXX and XXXX inquiries and a XXXX account was added and these are not authorized by me and need deleted now before i go to the attorney general to file another complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On my credit report it shows late payment for over 60 days late and I had made a payment and sent it by mail on XX/XX/2018 but the bank told me that they didnt receive the payment.. So I cleared everything for last years XX/XX/2018 payment.My husband found out that he had a sent a payment on XX/XX/2018 from post office and it got returned for XX/XX/2018 payment..Last time I talked to someone and made a payment for last years XX/XX/2018 payment and clerared everything. As you can see I always paid on time all along and I would appreciate it if you can remove the late payments and correct them to good standings. 
Here I have attached the returned check and the mail as a proof..

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 2019-12-29 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: PA

Complaint narrative:
In XXXX and XX/XX/2019 I submitted disputes with XXXX  and XXXX for them to provide me with verification documents or delete fraudulent accounts being reported to my credit profile from a credit union named XXXX XXXX XXXX. Neither company has provided me with any documents and are continuously reporting inaccurate accounts to my credit profile limiting my ability to use credit. Equifax is not reporting these inaccurate accounts. Both companies are in violation reporting these accounts. Both companies report different high balances, balances, date opened and payment statuses. These companies are also reporting that I have a outstanding balance with a credit union named XXXX and XXXX. Both of the accounts are being reported in violation. I disputed these accounts asking for original documents with my signature and I have not received it. Equifax is reporting a fraudulent XXXX account that is in violation also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-29 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: PA

Complaint narrative:
In XX/XX/XXXX and XX/XX/2019 I submitted disputes with XXXX  and Experian for them to provide me with verification documents or delete fraudulent accounts being reported to my credit profile from a credit union named XXXX XXXX XXXX. Neither company has provided me with any documents and are continuously reporting inaccurate accounts to my credit profile limiting my ability to use credit. XXXX  is not reporting these inaccurate accounts. Both companies are in violation reporting these accounts. Both companies report different high balances, balances, date opened and payment statuses. These companies are also reporting that I have a outstanding balance with a credit union named XXXX and XXXX. Both of the accounts are being reported in violation. I disputed these accounts asking for original documents with my signature and I have not received it. XXXX is reporting a fraudulent XXXX account that is in violation also.

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 2019-12-29 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: EQUIFAX, INC.
State: IN

Complaint narrative:
While XXXX XXXX my idenity was compromised. During this time several hard inquiries were made on my Equifax credit report. I have listed them on the attached FTC reports. I am requesting that the creditors and Equifax immediately remove this from my credit file as it is affecting me economically. Please note some of the accounts mentioned are listed multiple times. I have never done buisness with these companies and demand that these items be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-29 00:00:00
Product: Vehicle loan or lease — Loan
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: U.S. BANCORP
State: MA

Complaint narrative:
XXXX XXXX ( previously of XXXX, MA ) had purchased a used XXXX in XXXX XXXX. 
The car dealership made the loan with US Bank. After XXXX set up automatic monthly payments via US Bank website, unfortunately the US Bank overcharged her account. XXXX reported the overcharge. US Bank apologized for the error their service overcharged, but did not refund bank charges for over draft. 
Not being able to trust US Bank, XXXX elected to pay off the loan a few weeks later. Account number XXXX US Bank still owes her {$750.00}, four years after she paid off the loan early. 
XX/XX/XXXX US Bank mailed her a letter stating they had issued check number XXXX for {$750.00} on XX/XX/XXXX, but the check had not been cashed. XXXX has called multiple times to state that she never received the check. Customer service states they can " see '' that a refund is owed, but have told XXXX that " someone will investigate '' and call her back. One customer service rep told her that the letter signed XXXX XXXX XXXX had supplied a " wrong number '' XXXX. They could not supply a correct number to telephone, but suggested XXXX write a letter and mail it - as in what people did before the internet was invented. XXXX did snail mail a letter to the XXXX XXXX XXXX XXXX MN XXXX but it was returned as " no such address ''. Calling back again and again, XXXX has been told to call " XXXX XXXX '' at XXXX. 
Please, it's been over four years. Could they please issue the refund check as they claim they did over a year ago? 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 non-monetary relief
Consumer complaint received 2019-12-29 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: DISCOVER BANK
State: IN

Complaint narrative:
While XXXX XXXX my idenity was compromised. During this time several hard inquiries were made on my XXXX credit report. I have listed them on the attached FTC reports. I am requesting that the creditors and XXXX  immediately remove this from my credit file as it is affecting me economically. Please note some of the accounts mentioned are listed multiple times. I have never done buisness with these companies and demand that these items be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
XXXX XXXX XXXX my idenity was compromised. During this time the inquiries listed on the attached FTC report ere made in my name. I demand that XXXX and the creditors listed on the FTC report remove this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: KEYCORP
State: IN

Complaint narrative:
While XXXX XXXX  my idenity was compromised. During this time the inquiries listed on the attached FTC report ere made in my name. I demand that XXXX and the creditors listed on the FTC report remove this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/2019, I faxed to TJX Mastercard Synchrony Bank a signed and notarized Power of Attorney document so that I might settle my mother 's outstanding debt. My mother is suffering from XXXX XXXX and requires additional health care. I am trying to settle her debts so as to free up funds to support her additional health care needs. TJX Mastercard Synchrony Bank will not accept the POA document and continues to request my personal information including my social security number and date of birth. As I am not legally responsible for my mother 's debt, there is no legal reason for requesting this information and hindering the settlement process. By not accepting my POA, they are purposely worsening my mother 's credit. I sent additional information regarding my address on XX/XX/2019. TJX Mastercard Synchrony Bank continues to ignore the POA and my requests to settle my mother 's account. No other credit card company has requested my personal information. They accepted the signed and notarized POA and work with me to settle my mother 's 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