vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I received a letter today XX/XX/2021 from IC System where they claimed I owed {$45.00} to XXXX. I've checked my XXXX account and there's no {$45.00} DUE. I verified that by contacting XXXX and they verified that there was no such amount due. My XXXX monthly bill is paid automatically. I checked all those payments and none of them failed to process OK. 
The letter from IC System has the following address of XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. There web address is www.icsystem.comXXXX. When I tried that link, my browser timed out. So I wasn't able to connect. 
This letter has a payment return address of XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. Note the difference in the XXXXox address for the company mailing address ( XXXX ) and the return payment address ( XXXX )! They may have made a mistake on the company mailing XXXX. XXXX number. 
All my research points to this letter being a SCAM. I've contacted XXXX to advise that they warn their customers of this SCAM.

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 2021-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: WI

Complaint narrative:
I tried to open a bank account at US Bank in XXXXXXXX WI. I worked with a XXXX XXXX and XXXX ( female ). They asked me for my SSN and mothers maiden name. They acted like they could not set up my profile. I gave them my email address too and my physical address. They told me they could not open an account. They did not provide me any paper documentation showing they were declining opening an account. They said it was because i did not have {$25.00} to put in the account and their manager XXXX said no to opening the account. I could hear rustling around in the office next to us and noticed that there was a big open space at the top of all the so called offices. As I was sitting there I noticed a husky man that resembled XXXX XXXX. He had a beard and white/grayish/blonde hair walking down XXXX XXXX That man i have seen him 3 different times before this. He drives a XXXX XXXX XXXX. I babysat for a family in XXXX who has my SSN and I think something fraudulent could be going on. The grandpa drove a white XXXX XXXX also. He was in the XXXX parking lot where i had a PO Box recently. I also saw him come through the ATM when I was asking a teller at the XXXX XXXX drive thru why they would not open an account. As I was leaving US Bank in XXXX a XXXX woman came from the side of the building and I think purposely walked behind my car as I was backing out and it looked like she was almost laughing and walked to her car where she followed me to another bank in XXXX and went to the ATM. I feel this woman and the employees ( XXXX female ), XXXX XXXX , and XXXX , all might be part of a fraud/identity theft ring. A local agency in XXXX told me that a man was trying to steal my identity at XXXX XXXX Bank. I also went to XXXX XXXXXXXX XXXX area in XXXX XXXX XXXX and they put me in a room with a XXXX woman, which was a violation of my HIPAA. I am wondering if it was the same woman. The woman at US Bank that followed me to XXXX XXXX XXXX ATM her license plates were XXXX. She was driving what looked a silver XXXX XXXX XXXX. There was also a XXXX that came in. They gave me an account number, but not a debit card. I am wondering if this XXXX woman was in another office at the same time and is committing identity theft under my name and potentially overdrafting the account or cashing a check that belongs 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 2021-05-08 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I mailed Experian a dispute on XX/XX/2021 for reporting inaccurate information. I was not been notified of investigation status or results.

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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/XXXX I went to dealership XXXX XXXX XXXX XXXX XXXX XXXX to look for new car. I didnt like prices there, so I left the place even without negotiating the price To my surprise, they pulled my credit score twice without my permission As a result, my score dropped down with all consequences. 
I believe it is invasion of privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: SinglePoint GI
State: NV

Complaint narrative:
I have attempted to address this matter in the most amicable manner. I sent the enclosed statement ( included on the bottom of the email ) on XX/XX/XXXX and your company failed to address this matter. 

Today is XX/XX/2021 and you are still clearly avoiding to correct your mistake. 
I sent a dispute letter which was received by your company on XX/XX/2021. Your response was dated XX/XX/2021 which is more than the allowed time frame allowed by the FCRA, therefore I demand that you remove the information from my credit report immediately. If you fail to fulfill my request and if you continue to flagrantly violate the FCRA I will pursue legal action against your company. 


XX/XX/2021 To Whom it May Concern, This letter is a formal notice that GENERAL REVENUE CORP has failed to respond to my dispute letter of ( XX/XX/2021 ). I sent this letter registered mail and have enclosed a copy of the return receipt which was signed by was signed for by XXXX XXXX  at XXXX XXXX on XX/XX/2021 in XXXX XXXX XXXX The item was signed for by XXXX XXXX. ( Tracking # Tracking Number : XXXX ) As you are well aware, federal law requires Creditors to respond within 30 days. It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with GERNERAL REVENUE CORP I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. The following information therefore needs to be verified and deleted from the report as soon as possible : CREDITOR AGENCY - GENERAL REVENUE CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this erroneous item from my credit report as soon as possible. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: LoanCare, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I received a credit report alert from XXXX that my mortgage acct was 120 days past due. I called loancare in regards to this and was informed that the 120 day was reporting for XX/XX/XXXX. I don't understand how that can be being that I was in an active forbearance during that time and I am still in an active ch. XXXX and was informed no negative information would be reported. I need some to correct this expeditiously because this will stop me from qualifying for my new home. My loan number was 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 2021-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Bank sent a bonus incentive email to open a checking account and deposit {$2000.00}. I called and consulted with a banking representative on how to execute the account opening and receive a {$400.00} bonus. Based on the reps instructions I opened an account and deposited the money. I did not receive the bonus because Capital One says because I initiated the transfer from their website rather than an outside institution the offer is null. 
This seems like a similar deceptive practice to XXXX XXXX in order to get new accounts open to drive up stock price. 
I have filed a complaint with Capital One banking however they wait for resolution is 30 days. 
I opened the account as a test. I was considering using this account regularly however because I feel I did not receive what Capital One advertised I will not want to continue the banking relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Happy Saturday and hope you're safe and sound during covid/pandemic ; God Vacinated yet? Listen, I was shocked when I reviewed my credit report today and found late payment on I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My ssn was stolen a few years back and I have had random accounts like XXXX. XXXX pop up over the years which Experian and the other bureaus should clearly be able to see on my account! It is unacceptable that Experian verified their claim as accurate and selected their own description of no payment due to COVID19 when that is absolutely false! The only utility services I have are with XXXX  since XX/XX/2020 and the first utility services I have gotten in over 4 years! There is nothing I can do about someone who has my information committing fraud, but when I pay for services to keep my credit file locked and monitored at all times and notify bureaus of fraudulent activity it is absolutely unacceptable to falsely claim things that are untrue! I want this fixed ASAP or I will be notifying my lawyer of this lie someone in Experian approved and taking next steps to make sure all involved are held accountable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08 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: TX

Complaint narrative:
My ssn was stolen a few years back and I have had random accounts like XXXX. XXXX pop up over the years which XXXX  and the other bureaus should clearly be able to see on my account! It is unacceptable that XXXX  verified their claim as accurate and selected their own description of no payment due to COVID19 when that is absolutely false! The only utility services I have are with XXXX  since XX/XX/2020 and the first utility services I have gotten in over 4 years! There is nothing I can do about someone who has my information committing fraud, but when I pay for services to keep my credit file locked and monitored at all times and notify bureaus of fraudulent activity it is absolutely unacceptable to falsely claim things that are untrue! I want this fixed ASAP or I will be notifying my lawyer of this lie someone in XXXX  approved and taking next steps to make sure all involved are held accountable!

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 2021-05-08 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: I.C. System, Inc.
State: TX

Complaint narrative:
My ssn was stolen a few years back and I have had random accounts like I.C. Systems pop up over the years which XXXX  and the other bureaus should clearly be able to see on my account! It is unacceptable that XXXX  verified their claim as accurate and selected their own description of no payment due to COVID19 when that is absolutely false! The only utility services I have are with XXXX  since XX/XX/2020 and the first utility services I have gotten in over 4 years! There is nothing I can do about someone who has my information committing fraud, but when I pay for services to keep my credit file locked and monitored at all times and notify bureaus of fraudulent activity it is absolutely unacceptable to falsely claim things that are untrue! I want this fixed ASAP or I will be notifying my lawyer of this lie someone in XXXX  approved and taking next steps to make sure all involved are held accountable!

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 2021-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I'm trying to login to Navient on Saturday, XX/XX/2021 to download tax forms related to my student loan and am unable to login due to " scheduled maintenance. '' Their automated phone system is also unavailable due to maintenance. I will concede that I could have been more proactive in working on filing my taxes earlier, but it strikes me as irresponsible and inconsiderate for a loan servicer 's site to be undergoing " scheduled maintenance, '' one weekend before the tax deadline. For people who work during the week this makes it very difficult to take care of business and is a disservice to me as a student loan borrower and as a taxpayer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Back in XXXX, XXXX has decided to end their relationship with me after I filed multiple complaints which almost put the bank at risk which made them decide to end their relationship with me and closed my checking account. I tried to ask if there was a way to have my account reinstated or at least open a new account. Unfortunately, the decision has been finalized on top of that there was an amount that I had to payback of the amount of {$1300.00}, which I eventually paid back in XXXX which made settled my old account. During that time, I utilize Eary Warning Services and found out I was a victim of fraud due to the fact my other account with XXXX  had fraudulent activity it was clear to me that something was going and I reached out to a representative to find out what was wrong however she told me there was a difference of the amount of {$45.00} that I was responsible for and if I want I can file a dispute with Early Warning. As I was told I file a dispute and tried to figure out if I can still open a new checking account with a different institution I tried Wells Fargo and I was denied multiple times. After months of waiting, XXXX  told me even though it shows fraud on my report they can't remove it however they updated my report stating it is fully paid. So I try to open a Wells Fargo account again and I was still denied to open a new account. I even tried to contact XXXX 's representative and still was denied because the end of a relationship was finalized and not reversible. But I did countless research and someone was able to have their account reinstated. I just need some assistance because I want to open an account rebuild my financial security again if anything helps. 

Thank you.

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 2021-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Closed my account due to fraudulent activity. Its been 3 years since that has happened and ive received no help or guidance as to what im supposed to do now. Ive called XXXX and the bank of america itself in XXXX Florida. Nobody helps i get the run around. The incident occurred XX/XX/2018. Source of information BANK OF AMERICA ; XXXX. XXXX XXXX, XXXX, FL XXXX. Due to fraudulent activity. No balance due was on the report. I know for fact it wasnt me making these transactions I was new to the bank, my first account ever. I need help. I need a bank account i need to start gaining credit. I am XXXX with nothing starting for me, I need this more than anything. If any information on my records are false claims, or unverifiable I would appreciate my background to be cleared so I can have opportunities. Please get back to me Dont leave me empty handed like the rest of the people that tried helping. Thank you.

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 2021-05-08 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: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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