vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving  notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

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 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I paid off my Bank of America credit card in XX/XX/2020 and changed all recurring payments to a new card, or so I thought. Apparently I forgot XXXX auto-charge, for {$42.00}. They explained, when I called them, that this balance carried over for 3 months, until I got a statement in the mail saying they closed my account for non-payment. I did not get any phone calls or notices in the mail saying I had an outstanding balance or notification that my account would be closed. They claimed that I was on e-notices, which I am. I have and would have had no problems paying {$42.00}!!! I had a XXXX balance on this card and charged many transactions and had a long relationship with Bank of America. Probably over 15 years. Anyways, I believe they handled this situation terribly. They could have called me. They could have mailed me, even-though I try to save trees with my regular statements!!! -- -- Secondly, I have over {$200.00} worth of points that they do not want to honor because they said they closed my account for nonpayment. XXXX points to be exact. I could have just used points to pay for that {$42.00}. They won't let me and they will not give me the reward. I have paid the balance + interest, which was {$46.00} that I just paid. I owe them nothing. They owe me my points.

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 2020-08-26 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: TN

Complaint narrative:
AFTER DISPUTING THESE ACCOUNTS MANY TIMES WITH THE CREDIT COMPANY THEY HAVE FAIL TO REMOVE THESE ACCOUNTS THAT DOES NOT BELONG TO ME

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 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XX/XX/2020 I received an alert from my credit monitoring app staring that a new collection was placed on my account from creditor XXXX XXXX.I have not received any phone calls or written notice of a debt owed. My credit score was all of a sudden lowered by 30 points because of a debt that I wasn't informed of nor given time to dispute. I spoke to the company I C Systems and they stated that No type of notice was mailed to me nor was I ever contacted regarding to this so called 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 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
On XX/XX/2020, we received a phone call that on Citi credit card was three months past due and that we owed {$700.00}. Thinking it was a mistake, I called the company. I learned that they had canceled my autopay that has been scheduled for years on XX/XX/XXXX. They posted my payment on XX/XX/XXXX and then canceled my autopay on the XXXX. I received no notification that this was being done, and this was the first time I was notified that my account was delinquent. When I asked why it was canceled, they could not explain why. I then spoke to another supervisor who told me that it was canceled because there were changes to my account. Again, I asked what changes because none were made by me. They could not identify the changes and just kept saying that I did not reconfirm my autopay. On the phone that day, I made an {$850.00} payment to make everything current, plus the next month. I have never received any correspondence from this company. This has caused rippling effects. My impeccable credit score has been slashed ( XXXX to XXXX ), my credit limits have been lowered, and I've been charged numerous late fees. I have found numerous cases of the same thing happening to different people. I went to login to my account on the website and there was no account listed. I had to create a new account. I've had this card and account for 15 years. At the beginning of XXXX, they slashed my {$16000.00} credit limit in half which caused my credit score to drop 49 points. ( Credit Used shows the percentage of your total credit used in comparison to your total available credit reported across all open and revolving accounts. )

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 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: AL

Complaint narrative:
A complaint was filed against Procollect back in XX/XX/2020. I received a letter stating the account would be deleted from my credit report. Although, I paid the account in full, it is still being reported monthly on my account and still has not been removed! I was told it may take up to 90 days. It is well beyond 90 days, Pandemic or not.

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 2020-08-26 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$690.00} XXXX  XXXX {$13000.00} XXXX  XXXX {$300.00} XXXX  XXXX {$11000.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX {$19000.00} XXXX FI XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX {$4000.00} XXXX XXXX {$1000.00} XXXX  XXXX   XXXX {$1200.00} XXXX XXXX {$990.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX   XXXX {$590.00}

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 2020-08-26 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX {$690.00} XXXX  XXXX {$13000.00} XXXX  XXXX {$300.00} XXXX  XXXX {$11000.00} XXXX XXXX XXXX XXXX {$590.00} XXXX  XXXX {$19000.00} XXXX FI XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX {$4000.00} XXXX XXXX {$1000.00} XXXX  XXXX   XXXX {$1200.00} XXXX XXXX {$990.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX   XXXX {$590.00}

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 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
We began the process of refinancing our mortgage with an outside company in XXXX, XXXX. We knew there were outstanding late fees from several years back, before SPS became the servicer. Several phone calls were made to SPS to see about a waiver of these fees. SPS said only the owner of the account, XXXX XXXX, could make the decision. We e-mailed a request to XXXX XXXX  on XX/XX/XXXX requesting the waiver. XXXX XXXX sent us a response letter on XX/XX/XXXX indicating this was the responsibility of SPS. SPS sent us a letter on XX/XX/XXXX acknowledging the request. We were in process of refinancing our loan and needed an accurate payoff amount. as the total late fees were included in SPS 's payoff letter making it necessary to borrow enough extra to cover the balance and fees. We ended up paying all the late fees with proceeds of new loan to avoid losing the rate on our new loan. We received a check dated XX/XX/XXXX from a department of SPS in the amount of {$1800.00} as a partial waiver refund. We then received a letter from SPS customer service department indicating the balance of these fees would be waived and they would be sending us a check. ( copy of this letter is attached ). We called about the balance due us and were informed we would only receive the {$1800.00} previously paid. We believe we were force-fed the {$1800.00} and are looking for the remaining {$3000.00} to be sent to us per the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Mortgage customer send payment for mortgage on XXXX to Bank of America from my XXXX online account XXXX  shows proof of delivery on XXXX for XXXX Tried calling Bank of America countless times call wait times average 90 min to 1 hour Need to get status on payment being processed

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 2020-08-26 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I sent a letter to Chex Systems to dispute the following unpaid fraudulent account listed on my Consumer Report ID : XXXX, XXXX XXXX XXXX. The unpaid XXXX XXXX XXXX account is fraudulent and not my account. I never applied for or had a checking account with 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 2020-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
I came in to withdraw money from my bank account at First Midwest Bank located in XXXX Illinois On XXXX XXXX. 
The teller name is XXXX XXXX I gave the teller my id and My debit card and still remained waiting for over 15 minutes as she went to make calls and other extra things behind a closed door. I remained patient. I didnt raise my voice nor act if character in anyway and I was still denied my funds. She told me I had to wait 48 hours and I literally just took XXXX out of my account last week without these formalities for the same instance and i was late my XXXX XXXX XXXX and now Im facing these same hiccups within this company for my funds yet again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allegiant Capital Recovery LLC
State: FL

Complaint narrative:
I was contacted by this company named Allegiant Capital Recovery Services, LLC on XX/XX/2020. They left a voicemail and I called the number back to find out who they were. I found out who they were and was speaking to an Employee by the name of Faith. Faith told me what the debt was about and I said I never received any communication from the credit card company or the Allegiant. I asked Faith on the phone to please send me proof of the debt via United States Post Office mail. She said they do not use the post office in the state of NY because of covid. She said the XXXX doesn't operate in New York. I did laugh at her and tried to ask several more times for her to send one to me by mail and she kept stating that's not how this works. I asked to speak with someone else and kept getting the same answer ( that's not how this works ). I also asked her to correct my mailing address because the one she read to me is incorrect ; its missing my lot # XXXX. The lot number is missing on the letter she sent me via email as well. I have not received anything via mail from either the credit card company or this shady Allegiant Capital Recovery Services, llc.. I said to her several times I would pay the debt if it can be validated by a simple letter, and that I wanted to speak with someone else also. She kept insisting I speak with her only and the debt was true and correct. 

I hope someone can help me with this issue. If you need more info please feel free to give me a call/text or email anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I attempted to break a lease with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I chose to break the lease due to Military Orders, with the clause that is included in the Lease that requires the landlord, by law, to terminate the lease at my discretion with military orders. The management team, specifically, Ms. XXXX XXXX, refused to take an official memorandum, from a military commander, that provided early notification as of XX/XX/XXXX, that lease termination would occur because a pending military deployment to a contingency operation. I was called to active duty on XXXX XX/XX/2019 for a 400 day deployment orders. Ms. XXXX claimed only the actual orders would suffice so on XXXX XX/XX/2019, we provided the copy of the official military orders to the office at XXXX XXXX. We were subsequently charged our entire security deposit, plus an additional {$840.00} and was sent to collection with a noted 18 % interest for late payments. 

We did not pay this because this is an erroneous charge. We consulted with the XXXX XXXX XXXX Assistance team and had a lawyers letter explaining this was a violation of the Servicemembers Civil Relief Act ( XXXX ), and further explained that Texas does not allow for reprisal by a landlord due to the breaking of the lease in this manner. 

The security deposit was taken and claimed that the apartment was dirty on moveout. This was also falsely claimed as we have pictures and statements from the two neighbors who helped us pack and clean the apartment prior to our departure. The XXXX management team refused to do a joint walk through inspection of the apartment prior to our departure or on arrival. Pictures of the apartment at move-in are also available. This adverse credit action in violation of Federal and State law effected my family from moving to another location from our current residence to be close to a medical facility since we have a child with a serve and life-threating medical condition and can not obtain a lease through a rental company regardless of income because of this adverse and erroneous credit action and attempted debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-26 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: ID Analytics, Inc.
State: IL

Complaint narrative:
SAGESTREAM LLC CONSUMER OFFICE WONT REMOVE FRAUDLENT ADDRESSES OR FRAUDLENT NAMES OFF MY CREDIT REPORT. I HAVE ALSO SENT THEM A POLICE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
In review of my credit file, I noticed a debt in the amount of {$260.00} from CBS collection company with the original creditor being XXXX XXXX XXXX XXXX. I mailed a debt validation letter on XX/XX/20 through certified mail but have not received a reply from said collection agency.

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 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
Mary Jane M. Elliott, PC collected a debt via garnishment from my bank account on XX/XX/20 in the amount of {$1300.00}. This debt was originally for a XXXX XXXX debt, and the garnishment from my bank account satisfied this debt. 

However, the collection agency run by Ms. XXXX also had a garnishment placed against my state tax return, which they failed to release after the debt had been satisfied on XX/XX/20. 

As of the writing of this today on XX/XX/20, the state tax return garnishment has still not been released, therefore {$900.00} owed to me by the state has been held up wrongly because of the inaction of this collector to release the garnishment. 

I have contacted the office on several occasions, most recently on XX/XX/20 at which time it was verified that the debt was indeed satisfied but that they " somehow failed to '' release the tax garnishment. However, I contacted the state of Michigan treasury today, and they still have not received the garnishment release. 

I would like action taken against Mary Jane M Elliott, PC for causing harm to myself and my family by failing to release this garnishment and thus preventing my state tax return from being rightfully sent to me. This has caused my family finacial harm during this very difficult season. We need this money and it should have come 6 months ago. Mary Jane M Elliott should be held to account for this egregious error.

Company response to consumer: Closed with explanation