vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
This is long but explains everything This company isn't following the law ( National Credit Systems Inc ) I got illegally evicted from my apartments of 6 years in XXXX of XXXX I knew it was illegal because the management company that is now fired never put it through courts she typed it out and left it at my door and then tried to say " We can talk about it '' and even extended time for me. I moved out with a good reference from the assistance manager still have the letter that says I always paid rent on time and kept my place clean. I moved out of state and the manager who gave me a fake eviction tried to blackmail me for my sister 's address which when I told her I knew what she was doing she stopped all contact and was removed by the owners. Well 3 years later I check my credit report and I see a debt of {$140.00} from the apartment place I never knew about it no one tried to contact me via mail, phone or email. and Indiana tenant law they have 45 days to let me know of charges and what they are for and they didn't do it. So it got sent to National Credit Systems Inc. I called them but when I tried to tell them what happened everyone talked over me and hung up one lady saying " You're going to listen to me! '' No one actually spoke to me like a human until I told them I was recording on my end for my legal safety which I was transferred to customer service but once I told her I was recording as well the lady told me she was on the phone with someone else put me on hold and never came back it went to voicemail. They will not let me explain anything to dispute it or even ask if I can get a copy to see for myself. I'm on a list for an apartment in a safe area for my family and don't want this on my credit please help me. I even tried their website to look up my information and when I clicked to view it my file was blank like it didn't exist and their payment option is completely broken leaving clients no choice to be stuck with this on their file. Also if you look them up there are hundreds of complaints like mine of them doing people wrong. Not providing payment proof and refusing to send any letters about their supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: I.C. System, Inc.
State: TX

Complaint narrative:
This collection account I.C. SYSYEM INC is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.

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 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelson Cruz & Associates LLC
State: OH

Complaint narrative:
This company has tried to collect time-barred debt or debt that is not mine. I reported them once a few years ago and it stopped. They have started calling me again. They call from XXXX and tell me to call Mrs XXXX at XXXX x XXXX. They called on XX/XX/21 at XXXX XXXX, at XXXX XXXX. Called on XX/XX/21 at XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The collection account NATIONAL CREDIT ADJUST is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: CT

Complaint narrative:
An unauthorized credit transaction was done with my credit card as defined under XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there was a finance charge involved as defined XXXX ( XXXX ). An alleged debt has been placed on my persons, which is a violation of XXXX XXXX XXXX XXXX XXXX XXXX, because they falsely represent the status of a debt. There is no consent for any of my consumer information to be furnaced to any Bureaus or XXXX parties. Violations of the truth and lending act, FTC, and the FDCPA have caused significant damages as a consumer. The original creditor does not validate this alleged debt. I have firsthand knowledge of violations supported by documentation. Debt XXXX have imminently invaded on consumers legally protected interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Re : Acct. XXXX To Whom This May Concern : As i have not heard back from " XXXX  '' in over 30 days since my formal written notice of dispute dated XXXX, and since they have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, i may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX : Acct. XXXX To Whom This XXXX Concern : As i have not heard back from " Equifax '' in over 30 days since my formal written notice of dispute dated XXXX, and since they have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, i XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: TX

Complaint narrative:
XXXX XXXX XXXX  XXXX  account did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information to the credit bureaus they are in VIOLATION of my HIPAA rights. XXXX XXXX XXXX XXXX account is VIOLATING The HIPPA Acts of XXXX by providing and disclosing personal information to XXXX & TRANSUNION. This is a violation of my consumer right to privacy by having XXXX XXXX XXXX listed on my credit report. This is a violation of the law 15 USC 1681-Congressional finding and statement of purpose. XXXX XXXX XXXX XXXX, XXXX, and TransUnion are violating my privacy and fairness by having these negative collection account on my credit report. I never gave authorization for it to be on my credit report. These companies are treating me unfairly and being impartial to me knowing they are in VIOLATION of the law but yet still having this negative account on my credit reports.

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 2021-02-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX/XXXX/202, I submitted a dispute to all three credit bureaus. It has been beyond 45 days and i still have not received any results back.I am being taken advantage of. According to FCRA, it must be removed if it was not verified within 30 days. Please abide by the law and remove those accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I sent back paperwork to have my loan modified due to a forbearance for XXXX. It hasn't been done. I need this done to be able to get the " late '' notices stopped, make normal payments online, have my escrow reconciled and get a credit back for my taxes XXXX. 
I sent this paperwork back to XXXX on XX/XX/21. I sent it back to XXXX in the envelope provided me by her via XXXX. I don't have my original documentation anymore, due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
Sometime between XXXX - XX/XX/XXXX, XXXX began calling me claiming that I owed {$210.00} for cell phone service, after I had changed to another provider. I explained that I could not this amount. They insisted but would not provide me the dates of service. I then requested the bill and usage information for the bill that they were trying to collect totaling {$210.00}. XXXX sent me the requested information which showed that I could not possibly owe {$210.00} based on their own usage records. I called the company numerous times but no one would review the bill. They insisted that all they could do is collect the money. XXXX refused to listen to me about that even their own records show that I do not owe XXXX. Rather than investigating the matter and checking their records, made a negative reporting to the credit bureaus and referred me to a collection agency XXXX referred me to a collection agency I have contacted the collection agency, Sequium, which stated that they can not verify the debt or state if XXXX 's bill is inaccurate. The agency stated that it opened a dispute with XXXX on XX/XX/XXXX. I dispute this account with XXXX about XXXX months before the debt was referred to Sequium. 

Attached is the bill with the usage information and a letter that I wrote to Sequium.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had late payment reported for my CAPITAL ONE credicard in XX/XX/XXXXwhich i wasn't using since XXXX or XXXX XXXX but still there was around {$2.00} due and made payment since i didn't want my credit to be affected due to this very small unrecognized charges and later i have disputed this transaction with credit card company. Same thing happened with capital one card that i used to have in year XXXX and then i ended up closing the account due to the similar issue. even though i am not using CAPITAL ONE credit card since XXXX XXXX, it again had fraudulent charges after XXXX for XXXX purchases which i disputed again and again i ended up paying for these fraudulent charges to XXXX with different credit card to restart my XXXX XXXX XXXX XXXX XXXX have locked my account due to non payment for these fraudulent charges after i disputed transaction with CAPITAL ONE. this time again i paid for 3 transaction which we didn't recognize to XXXX and on top it hurt my credit so badly. 
if you see my entire credit history, i have 3-4 late payment as negative entry on my history and all of them are with CAPITAL ONE. so somehow i feel my identity or something is leaked and hacked through CAPITAL ONE which have affected my credit badly multiple times. 
and last two time in year XXXX i was promised by CAPITAL ONE representative that they will provide all necessary information to credit beuros to remove late payment information from my credit. but they didn't even do that job appropriately for proofi am attaching the {$2.00} payment that i made in XX/XX/XXXXfor the due payment reported to Credit beuro in month of XX/XX/XXXX 
my question to you, why would someone not bother to pay only {$2.00} which is reported as late payment when that someone have great history of paying bigger amount XXXX home mortgage, car loans, other credit cards, kids tution fees ) without missing any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft, errors on my credit report

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 2021-02-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft, errors on my credit report

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 2021-02-26 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: CA

Complaint narrative:
I received my credit report from you. It included the following incorrect information it will also be posted in the documents section. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  2 accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And several addresses and hard inquries, they will be all highlighted in the report in the documents as well. These addresses are unknown to me XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX  XXXX XXXX XXXX My child support and doctor bills are showing up unpaid I will be posting receipts that they have been paid in full, I am enclosing a copy of my credit report with the incorrect data highlighted.I just received a letter from that creditor verifying that this information on my credit report is inaccurate and should be removed from my credit file. I have enclosed a copy of the letter, because I am a victim of identity theft its also multiple social security numbers on my account and my ex wife who I have been divorced from for over XXXX info as well and it shouldn't be.

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 2021-02-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I received my credit report from you. It included the following incorrect information it will also be posted in the documents section. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And several addresses and hard inquries, they will be all highlighted in the report in the documents as well. These addresses are unknown to me XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX  XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX  XXXX XXXX XXXX My child support and doctor bills are showing up unpaid I will be posting receipts that they have been paid in full, I am enclosing a copy of my credit report with the incorrect data highlighted.I just received a letter from that creditor verifying that this information on my credit report is inaccurate and should be removed from my credit file. I have enclosed a copy of the letter, because I am a victim of identity theft its also multiple social security numbers on my account and my ex wife who I have been divorced from for over XXXX info as well and it shouldn't be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/25 I received a letter from Synchrony Bank stating that my " debt '' was sold to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX send me a bill the same day for {$1100.00} for a XXXX card ( i guess?? ). 

I can't recall the exact day, but I spoke to Synchrony Bank months prior when they sent me a letter saying I owed that amount. I verified all my information and was told that is was NOT my debt as the social security number did NOT match. 

So, today XX/XX/25 I call XXXX to tell them the same thing I went over months ago with Synchrony Bank. The guy I spoke to a XXXX also concluded that the XXXX didn't match but wanted ME to write to them to dispute the debt. This is clearly an issue with XXXX XXXX Synchrony and their skip tracing. 

This matter should have been resolved when I spoke to Synchrony months ago. I'm not sure who ( or maybe both ) are to blame - -Synchrony or XXXX, but I will not be harassed anymore over a debt that is 100 % not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have noticed that WEST LAKE PM have reported late/missed payments. the problem is i have no idea of who they are or what my debt to them could be. I have not applied for credit or taken out a loan with them or have had any kind of correspondence with them at all. I don't even know if its legal to just report false information that damage ones image or reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: TX

Complaint narrative:
The collection account XXXX XXXX XXXX is not mine. This account does not to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.

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 2021-02-26 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
A account was opened fraudulently in my name. I immediately contacted the collection company to dispute. An investigation was opened. I filed a police report, completed a identify theft waivers, made copies of bank statements, utility bills and driver license. This XXXX collection account made my score decrease by XXXX points. After the investigation was complete and the account was removed. Experian reported only XXXX points back on my report. I would like to know why only XXXX points was put back for this account when they removed XXXX. That is XXXX points missing that I would like back. That would put my XXXX XXXX back in excellent and the credit bureau know that. I feel like this is discrimination due to me being XXXX XXXX. Credit is way to keep XXXX Americans out of particular buying markets. I would like to know why my points wasnt put back.

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 2021-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I attempted to log into my Credit Karma Savings Account. I have the ability to do it on the app and online. After attempting the log in, I received a notice that my account was deactivated. I did not deactivate the account. There is little to no phone support so I contacted them online. They stated they were looking into the issue. That was yesterday at XXXX and no correspondence since. I have over $ XXXX in the account and no confidence from them that my account hasn't been compromised. Nothing. I finally found a phone number and left a message on XX/XX/XXXX but no call back. I am nervous that I do not know where my funds are. Please help.

Company response to consumer: Closed with explanation