vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Management Group, Inc. (GA)
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the TransUnion credit bureau and found that this REC MGT GRP ( Original Creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
per the hippa law to demand this collection to be deleted from form credit report. I do not nor have not done business with stern recovery services and under the hippa law they don't have the right to uptain any of my private medical info from anyone on my behalf. Acct number ending in 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 2021-08-02 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: MA

Complaint narrative:
Hi IC Systems ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve
furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: TN

Complaint narrative:
I received a phone call from a debt collector, on Friday, XX/XX/XXXX called direct recovery services from a rep named XXXX XXXX for my brother including an account number for the issue. However, there is not a debt owned and they asked me to call back to resolve the issue.

My brother called the number back and they asked for my name and information. When he refused to give it to them, they hung up. The number they called me from was XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Recently sent disputes to Equifax, the most recent dispute was sent to Equifax on XX/XX/XXXX for collections account with XXXX XXXX for XXXX XXXX XXXX. Collection account should be permanently deleted. Original creditor ( XXXX XXXX XXXX  ) last date of delinquency was XX/XX/XXXX. Provided Equifax with XXXX XXXX statement showing last date of payment as XX/XX/XXXX. Spoke to an Equifax representative the week of XX/XX/XXXX, who stated Equifax has my information showing the first date of delinquency as XX/XX/XXXX, BUT since XXXX  said the account was reported as accurate for the date of XX/XX/XXXX, Equifax has to follow what the creditor states, regardless of the proof on file. 

This account has had its first date of delinquency changed three times from XX/XX/XXXX, to XX/XX/XXXX, to now XX/XX/XXXX, which is fraudulent activity, after I have disputed these inaccuracies showing last date of delinquency as actually XX/XX/XXXX. Equifax and XXXX XXXX refuse to report accurate information, which has created denials for credit applications submitted during this timeframe. 

Dispute History : XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion-results received on XX/XX/XXXX from Equifax-XXXX  XXXX had first date of delinquency as XX/XX/XXXX. 
XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion-results received on XX/XX/XXXX from Equifax-XXXX  XXXX changed first date of delinquency from XX/XX/XXXX to XX/XX/XXXX. 
XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion -results received on XX/XX/XXXX from Equifax-XXXX  XXXX changed first date of delinquency again from XX/XX/XXXX to XX/XX/XXXX, but reports date of last payment as XX/XX/XXXX, which is a discrepancy with the date of first delinquency. 

The XXXX XXXX account does not have any payment history for XXXX, XXXX, nor XXXX, which is verified by statements. XXXX XXXX can not provide proof of last payment nor first date of delinquency on this account because they have no payment information from the original creditor. XXXX XXXX keeps adjusting the date, re-aging the account, which is illegal and Equifax supports this creditor in its illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I owed Barclays a {$2000.00} balance on my Barclays XXXX XXXX card. Their online payment system is horrendous and has caused me a returned payment fee. I've encountered many error codes, website crashes, and other issues. In fact, I just got a letter in the mail saying that they are switching over to their consumer interface for credit cards because their business interface is nonfunctional.

I attempted to make a payment for my card but my bank account was never charged. I still owed the same balance on the card. I then went to resubmit the payment, assuming that their system screwed up like it so often did. Instead, somehow the original payment was future-dated for in 2 weeks. I was not shown or warned that I already had a pending payment when I made the new one. Barclays then proceeded to charge my bank
{$2000.00} twice within a multiple-day span even though I only owed {$2000.00}.

I called in to request a waiver of their {$39.00} returned payment fee but was denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit report thru XXXX XXXX was XXXX last week, now it is XXXX. I don't understand how this happened. I have not changed anything and all my payments are on time. I only have one opened credit card.

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 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I contacted Bank Of America and notified them that I did not apply for a credit card. 
The application was submitted on XX/XX/2021. The Bank told me that they will reject the application. The ref : # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have attempted to have my information verified through the three bureaus and have received no correspondence nor update on the matters I brought to their attention. I feel that they are not complying with their own policies and have left me no choice but to file this complaint in hopes I receive better results this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: AZ

Complaint narrative:
I have attempted to have my information verified through the three bureaus and have received no correspondence nor update on the matters I brought to their attention. I feel that they are not complying with their own policies and have left me no choice but to file this complaint in hopes I receive better results this way.

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 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: UT

Complaint narrative:
Today I made a call to Carrington Mortgage. I spoke with XXXX. He spoke to me in a very harsh manner and told me that I qualified for only one month of forebearance, which I was never notified of, instead of the normal three months. Then he started to create a horrible scenario of evictions, foreclosures, and losing my home all within the same breath. How dare he create such a fearful situation for someone that he knows nothing about! Absolutely the WORST customer service! I believe my loan is a FHA loan and Im entitled to two extra three months of extensions of forebearance. This is a measure of assistance, not a situation of fear and control! Shame on you Carrington!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: NV

Complaint narrative:
I have had a reverse mortgage for about eight years. On XX/XX/XXXX, I received a Repayment Letter about my home from Novad/HUD. It appears that there is an ERROR. After reading it many times, they are trying to repossess my home. They included a phone number to XXXX for ask questions. I have called this number 5 times sitting on hold anywhere from three hours to one hour, XX/XX/XXXX, XXXX and XXXX, XXXXThe people there have no information to help even with the case number. It appears to be a huge answering service that just sends messages to Novad agents and they have 5 days to respond. The letter says to send them {$180000.00} total due and payable. HUD had no reasons they could give me as to why. I gathered records to show that I have paid the insurance annually and the taxes just like always. The house is kept up nicely and these are the only reasons to terminate my reverse mortgage. I am to live in my house until my death with no house payments. Although I did spend two nights in the hospital over this stress, I am very much alive. Can someone please help me? No one has returned my calls,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Me and my family members continue to receive phone calls from GMAC saying that they are going to move " move foward with my case as a refusal and paper work will be filed '' and to call the case manager at XXXX. This continues to happen after several complaints have been filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: AZ

Complaint narrative:
I have written letters to these credit bureaus multiple times, they do not respond nor do they investigate. It has been over 30 days I started disputing back in XXXX on the XXXX to be exact. I have not seen any changes or removal of the incorrect information reported. At this point they have to had broken some law by continuing to report incorrect information and not even investigate it!

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 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian dropped my score 10 points for ONE single inquiry! They are discriminating against me because I have complained that they are NOT reporting correctly! My {$5000.00} account since XXXX  XXXX XXXX is NOT being reported and now they have the audacity to drop my score 10 points for 1 inquiry! I know that a inquiry is 3 POINTS! NOT 10! I want a supervisor to look at my account as whomever is screwing around with my credit needs to be fired! I also called experian the other day and someone in another country asking for my social security number! How dare them! My payment history is IMMACULATE! For years! Supervisor 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 2021-08-02 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: AZ

Complaint narrative:
I have attempted multiple ways in having my credit reports investigated. Not only is there false information, no one has gotten back to me to reassess or explain. I am trying to buy a new home and the incorrect information reporting has to be against policies they have in place. This is so wrong and I have allowed more than enough time to investigate.

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 2021-08-02 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: AZ

Complaint narrative:
I have attempted multiple ways in having my credit reports investigated. Not only is there false information, no one has gotten back to me to reassess or explain. I am trying to buy a new home and the incorrect information reporting has to be against policies they have in place. This is so wrong and I have allowed more than enough time to investigate.

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 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I went to a branch and told the teller I wanted to close my account. I received a cashier 's check for the full balance of the account. It appeared there was something wrong with the computer system, but the teller provided the cashier 's check and didn't communicate about any problem closing the account. My next statement had an ending balance of {$0.00} on XX/XX/XXXX. The following month, I received a statement with an overdraft notice and an $ 11 monthly service charge. The overdraft fee was {$0.00} ( possibly the fee was XXXX because of the tier of my account ). The new statement period began on XX/XX/XXXX and ended on XX/XX/XXXX ; thus, the new statement period began two days after I closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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:
Hello, I become a victim of identity theft. I do not recognize these accounts in my profile, someone just used my personal data. I am very shocked by the fact that I have unknow items in my profile and they are destroying my credit history that I made all my life. Please help me and I want you to make investigation on these items. I can not move on and please delete them from my profile, You are my only hope.

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 2021-08-02 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: FL

Complaint narrative:
Hello, I become a victim of identity theft. I do not recognize these accounts in my profile, someone just used my personal data. I am very shocked by the fact that I have unknow items in my profile and they are destroying my credit history that I made all my life. Please help me and I want you to make investigation on these items. I can not move on and please delete them from my profile, You are my only hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: GA

Complaint narrative:
Greetings : Under the FCRA, with any records on a person 's credit report, the listing entity must be the filer/supplier of that information. Not a third party database/legal entity. This covers trade lines, public information. Additionally, I got a letter from the Clerk of the US Bankruptcy Court in XXXX, VA stating they DO NOT supply case information to the outside credit bureaus. I have enclosed my certified mailing, along with the documentation I sent the credit bureau. 

I've also enclosed the XXXX 's response ( i.e. we have validated that some company named XXXX XXXX supplied this information. ) With all due respect, XXXX Nexus IS NOT the US Bankruptcy Court. 

Therefore, pursuant to the FCRA, I demand that this information be removed from my Credit Bureau report. 


Thanks, XXXX XXXX

Company response to consumer: Closed with explanation