vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
This account was opened on XX/XX/2021. I use it for deposits from a rental property. On XX/XX/XXXX I logged into the account in order to make an outgoing transfer and the account had a 'restricted ' label on it. I called Comenity ( the bank ) and they said the account was restricted on XX/XX/XXXX and they confirmed that I had not received any notice/communication that the account had been restricted. While on the phone with the bank on XX/XX/XXXX, I was told that the account was not restricted due to fraud but they could not tell me why it was restricted or when it would be unrestricted. They also informed me that while the account was restricted on XX/XX/XXXX, there were no notes on the account as to why it was restricted and there were no updates regarding the account since XX/XX/XXXX meaning it was in a restricted status for over 14 business days without an update. 

At the moment I am unable to withdraw funds from the account but am able to deposit funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: NY

Complaint narrative:
I sent a letter to Experain request that they provide me with " The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with and The documentation used to verify the dispute '' they have not honor the request as they continue to be in Violation of the FDCPA 807. False or misleading representations

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 2021-08-04 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: FL

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX is incorrectly reporting that my account is open. I requested the account to be closed, have received a confirmation by email, and have provided a copy in this complaint submission, that the account would be closed. XXXX XXXX  XXXX XXXX XXXX is continuing to report to the agencies that this account is open. XXXX XXXX  has zero consideration for the small consumer, as this is one of TWO incorrect reporting of information to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
I asked the mortgage company if I can pay my own taxes and insurance and not escrow anymore. I called my XXXX XXXX XXXX The Money Source, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CT XXXX in XX/XX/XXXX. I was told that I could if my Loan-to-Valve LTV was under 80 %. I told them it was as my home 's value is {$500000.00} and I owe {$230000.00}.

46.5 % LTV. The Money Source said they have my LTV was 81.3 % and that I still was paying PMI on the loan. I told them that I pre-paid all of my PMI when I originally took out my mortgage in XXXX, before they bought my loan from my original lender. I have called this lender in XXXX, XXXX, XXXX and XXXX in XXXX. I have sent them the builder 's appraisal sheet for my house in my sub-division showing my house now sells for {$500000.00}. The Money Source is telling me that I still have PMI on the loan, but I am not paying any PMI and my records on line don't show any PMI payments being made. Like I stated earlier, I pre-paid all of my PMI when I took out my loan originally. Please help me have them close my escrow account so I can pay my taxes and insurance myself. I have made every 71 payments on time with Money Source. My escrow started at {$500.00} and has gone from {$370.00} to {$1100.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank closed my account and will not release my {$12000.00} that is my balance. They started a case # XXXX ... .XXXX  is on the case the phone # is XXXX and her extension is XXXX. Chase bank will not release my funds to me and has closed my account. XXXX XXXX XXXX was given access to my account by me because we will be getting married in the future. He made the transfer by adding an external account of his. Chase bank will not give him back his funds or release them to me. XXXX XXXX XXXX ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This medical debt has been on my credit for quite some time. I have disputed this with the credit bureaus and XXXX  has claimed that the company has, " met the requirements of the FCRA ''. I have never used this company, nor have I given them any personal information such as my SSN. 
This company claimed I used their services in Florida, when in fact I was living in Colorado at the time.

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 2021-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I had an issue where XXXX  caused malpractice harm to my animal. This resulted in additional expense at another vet hospital. Due to this issue, they agreed to release and cancel my contract since they violated the terms of the agreement to provide quality and medical competence to be a vet clinic. After 6-7 months IC systems was given an account saying I owed over a XXXX dollars. That is not valid. I have verbally disputed with them on multiple occasions and they continue to be unable to validate that I owe a debt and are using abbusive collection tactics and are refusing to validate the debt as the law required them to do with the FCRA. In addition, I was never given a 30 day notice of this debt. They proceeded to report to credit despite all my disputes. They have violated many strikes and I am requesting the immediate and total release of this debt and have it removed from my credit ASAP.

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 2021-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This concerns XXXX XXXX store card as administered by Synchronity Bank. They issue a statement around the XXXX day of each month with a due date around the XXXX day. Say if you make a monthly payment before the the XXXX, their practice is to somehow apply the payment to the previous month. 

After the XXXX, XXXX XXXX assesses a late charge although the payment was actually made. The statement for the following month reflects a past due amount along with online dunning statement. Of course XXXX XXXX does not advise its customers of this pre-payment or early payment penalties I am submitting documents aptly demonstrates this, including a payment made on XX/XX/2021. Yet I was charged a late fee nearly equal the amount of this payment! This is a flagrant violation of Fair Credit Billing Practices Act, Fair Debt Collection Practices Act, and Fair Credit Reporting Act if reported.

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 2021-08-04 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: MS

Complaint narrative:
I consumer XXXX XXXX have submitted documentation over 5 months to the three credit bureaus. All of them have repeating ignore my documentation and fail to verify this account with the name of XXXX. I have provided the promissory note that have no correct signature on it. This is a fraudulent account and they are refusing to update and blocked this account from my Credit report. As a consumer these bureaus are violating my rights the are defaming my character which is violation according to 15 USC 1692d. The are continuously keeping this misleading account on my credit report which is a vioaltion according to 15 USC 1692e. They are using abusive practices according to 15 usc 1692a. The credit bureaus fail to validate this debt repeatedly and its been over 5 monnths which is a violation according to 15 USC 1692g. I have attached documentation that XXXX  AND XXXX  have sent me. I have sent all of these to you all. I have attached a copy of my License and SSC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: MS

Complaint narrative:
I consumer XXXX XXXX have submitted documentation over 5 months to the three credit bureaus. All of them have repeating ignore my documentation and fail to verify this account with the name of XXXX/XXXX. I have provided the promissory note that have no correct signature on it. This is a fraudulent account and they are refusing to update and blocked this account from my Credit report. As a consumer these bureaus are violating my rights the are defaming my character which is violation according to 15 USC 1692d. The are continuously keeping this misleading account on my credit report which is a vioaltion according to 15 USC 1692e. They are using abusive practices according to 15 usc 1692a. The credit bureaus fail to validate this debt repeatedly and its been over 5 monnths which is a violation according to 15 USC 1692g. I have attached documentation that XXXX  AND XXXX  have sent me. I have sent all of these to you all. I have attached a copy of my License and SSC.

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 2021-08-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've disputed with Transunion, XXXX, and XXXX  incorrect data that each are reporting on my credit bureau. Each company is reporting that my mortgage with XXXX XXXX  is closed, and auto loan with XXXX XXXX finance is closed and being paid through a chapter XXXX plan agreement. I've submitted to all 3 bureaus schedule C documents showing the 2 accounts were filed as exempt, also my chapter XXXX plan of which I the debtor was paying the accounts directly, and not through a wage payment plan through chapter XXXX. I also submitted bank statements showing proof of those deduction coming from the creditors. I learned from contacting each creditor that they were reporting to the 3 credit bureaus that my account was paid on time, and as agreed. I stated in my dispute that I wanted the incorrect data removed from my account since they are failing to report my account accurately. I notified the 3 credit bureaus that bankruptcy courts does not report to credit agencies and submitted documents supporting my disputes. The inaccurate information is causing severe hardship, and I ask that those companies update my report with accurate reporting, or remove the inaccurate data. ASAP.

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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Barnhall Financial Services, Inc.
State: MS

Complaint narrative:
I financed a cad through Barnhall Financial Services Inc. and my payments that are always on time are not being made to the credit bureau.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
They are reporting that I owe thousands of dollars for rent for a based on income house if that I was living at for free. This is Tremendously devistating and brought my credit down. I have request validation multiple times n have not received it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
i have recently reviewed my consumer credit report and would like to inform you that you are reporting inaccurate information on my consumer credit report.i have sent you 2 notices DEMANDING these inquries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, removed and have not gotten no response back.i would like to inform you that your agency, has violated my rights under FCRA .i have the right to privacy and my right has been violated.i gave no authorization NOR these companies has permissible purpose to place invalid inquiry on my consumer report. the list of violations is where my rights were violated at:15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b XXXX Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 
15 U.S. Code 1681g - Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: NY

Complaint narrative:
Pursuant to 15 USC 1681c-2 at the receipt of an identity theft report a consumer reporting agency has 4 business days to block the fraudulent information from my consumer report. 

The response from Equifax, which is attached, not only show that they've received my identity theft report, but has also prove that they've refuse to block the fraudulent information from my consumer report. Which by law they have no grounds to do so being that the request was a mistake by me the consumer, and the identity theft report from the Federal Trade Commission, which is attached, is not a misrepresentation of fact of this fraudulent information, and I did not receive and goods, services, or money for the blocking of this information. 

This company Equifax in violation of my rights as a consumer under the FCRA. Also on the paper they sent, they claim these fraudulent inquiries are a factual record of file. A factual record of file by whom? Not only are these fraudulent inquiries unauthorized by me, but I also did not give any consent to any consumer reporting agency to include this fraudulent information to my report. 

As written by congress the failure to comply with the removal of these fraudulent inquiries makes you liable under section 1681n of title 15.

As a consumer I am demanding that the following fraudulent inquiries are removed within 4 business days of the receipt of this complaint XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: IL

Complaint narrative:
I've disputed with XXXX, Equifax, and XXXX  incorrect data that each are reporting on my credit bureau. Each company is reporting that my mortgage with XXXX XXXX  is closed, and auto loan with XXXX XXXX XXXX  is closed and being paid through a chapter XXXX plan agreement. I've submitted to all 3 bureaus schedule C documents showing the 2 accounts were filed as exempt, also my chapter XXXX plan of which I the debtor was paying the accounts directly, and not through a wage payment plan through chapter XXXX. I also submitted bank statements showing proof of those deduction coming from the creditors. I learned from contacting each creditor that they were reporting to the 3 credit bureaus that my account was paid on time, and as agreed. I stated in my dispute that I wanted the incorrect data removed from my account since they are failing to report my account accurately. I notified the XXXX credit bureaus that bankruptcy courts does not report to credit agencies and submitted documents supporting my disputes. The inaccurate information is causing severe hardship, and I ask that those companies update my report with accurate reporting, or remove the inaccurate data. ASAP.

Company response to consumer: Closed with explanation