vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 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: NY

Complaint narrative:
XXXX - XXXX XXXX XXXX Filed with the credit bureau that I was late on a payment in XXXX of 2020. I had realized the issue only when applying for a disaster loan that affected my business. Because of this negative remark, I was unable to qualify due to Derogatory Marks concerning my auto loan. I investigated and showed XXXX via email that they were at fault as they switched my statements to electronic statements without notification. In addition, I was hospitalized during this period and without a statement, my caregiver ( XXXX  XXXX ) was unable to pay said bill. Also, concerning this payment, I called to rush payment after two days late as i checked payment status as it is also on automatic billing and the automated system said no balance due. The next month it had stated an amount in excessive of double my payment, which I paid in full. I have called numerous times including their submission form in concerns to this issue and they have promised calls back with customer service stating that it is notated on the account that someone will follow up. Not one call has been received and I have been fighting this issue for 3 months. They falsely reported this multiple times and their choice to not change or communicate said requests is fraud as they never notified me concerning the statement delivery switch. 
Issue number two is they continue to bill me even though they received a settlement on the vehicle and I have gap insurance through XXXX XXXX. Customer Service threatened me if I do not pay they will hold me to it on my credit. The documents are attached proving payment from my auto insurance company. A lawsuit is in the process for this institution as they also violated ADA, Americans with XXXX act, violating reasonable accommodations for those whom are XXXX XXXX. 
These false reporting are causing the denial of an EIDL, Emergency Disaster Loan, of over 1 million dollars between my two XXXX. Damages more than this will be applied as well as they refuse to remove said debt from my account. This is fraudulent activity and any company supporting these actions are being listed in the pending lawsuit. 
The insurance company also delayed payment by 5 months ignoring my requests as well as this will be pursued in a different matter. 
Also, I logged into my portal to view status of my refund and they actualy ar requesting an additional payment for XXXX with no desription of the reasoning. Image Provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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:
XXXX - XXXX XXXX XXXX Filed with the credit bureau that I was late on a payment in XXXX of 2020. I had realized the issue only when applying for a disaster loan that affected my business. Because of this negative remark, I was unable to qualify due to Derogatory Marks concerning my auto loan. I investigated and showed XXXX via email that they were at fault as they switched my statements to electronic statements without notification. In addition, I was hospitalized during this period and without a statement, my caregiver ( XXXX  XXXX ) was unable to pay said bill. Also, concerning this payment, I called to rush payment after two days late as i checked payment status as it is also on automatic billing and the automated system said no balance due. The next month it had stated an amount in excessive of double my payment, which I paid in full. I have called numerous times including their submission form in concerns to this issue and they have promised calls back with customer service stating that it is notated on the account that someone will follow up. Not one call has been received and I have been fighting this issue for 3 months. They falsely reported this multiple times and their choice to not change or communicate said requests is fraud as they never notified me concerning the statement delivery switch. 
Issue number two is they continue to bill me even though they received a settlement on the vehicle and I have gap insurance through XXXX XXXX. Customer Service threatened me if I do not pay they will hold me to it on my credit. The documents are attached proving payment from my auto insurance company. A lawsuit is in the process for this institution as they also violated ADA, Americans with XXXX act, violating reasonable accommodations for those whom are XXXX  XXXX. 
These false reporting are causing the denial of an EIDL, Emergency Disaster Loan, of over XXXX  XXXX dollars between my XXXX XXXX. Damages more than this will be applied as well as they refuse to remove said debt from my account. This is fraudulent activity and any company supporting these actions are being listed in the pending lawsuit. 
The insurance company also delayed payment by 5 months ignoring my requests as well as this will be pursued in a different matter. 
Also, I logged into my portal to view status of my refund and they actualy ar requesting an additional payment for XXXX with no desription of the reasoning. Image Provided.

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 2021-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Had a call from this unknown #, leaving a message from " Harris and Harris ''. Went to research the # & it was from XXXX. Tried to call, but went straight to automated voice mail. Hung up & blocked # & still leaving the same message on my voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Hi SOUTHWEST CREDIT SYSTEMS ; XXXX ; 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: NC

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Current Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX The account number is from a previous dispute that was sent a few days ago. Equifax now wants me to send over all my information to them but I have done this multiple different times. They have a glitch or lazy and constantly makes me do all the work. At this point I want to get a lawyer. They have done disputes for me before and I have emails to prove it. This company is setting me back from purchasing a car and a home because they are not reporting my positive information. 

In 2020 I sent over my id and utility bill and other information to them over 4 times. I have access to equifax.com but they are not reporting my information. They are making me go in circles for no reason. 

I have attached the letter they sent me Along with previous disputes I have had with them. 

I SENT THAT BECAUSE THEY HAVE MY INFORMATION. THEY MAKE YOU GO THROUGH LOOPS FOR NO REASON. JUST UPDATE MY INFO! THE POSITIVE INFO!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 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 hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: APPLE RECOVERY SERVICES CORP
State: OH

Complaint narrative:
I received a notice from XXXX XXXX XXXXXXXX that I never heard of ... It says Apple ID It says the account # is XXXX .... {$10000.00}. I have never had this account ... .. Apple Recovery Services , XXXX  XXXX, XXXX XXXX , IL XXXX is who sent me the notice ... It is not even a correct address..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called Chase on XX/XX/2021 around XXXX XXXX  to let them know that the hotel that we were supposed to check in at XXXX  XXXX XXXX, XXXX XXXX, CA, and surprisingly even though we had a confirmed reservation booked way in advance they did not have any available rooms for us and we had to cancel our vacation. Chase travel representative never tried to help me out and always kept me on hold without providing any actual information. 

I was on a call with Chase travel support on XXXX XXXX XXXX and XXXX. Each time they said that they will compensate by giving XXXX points and because of the inconvenience caused and one free night at the hotel. They used to keep me on hold for more than an hour and were very irresponsible with how they managed the entire situation. They always used to call the hotel and were never able to get hold of the hotel manager. Chase agreed that they signed the contract with XXXX XXXX XXXX, XXXX XXXX, CA. There should be some accountability here and we should be thoroughly compensated for wasting our time and resources. 

Our itinerary number from Chase travel is XXXX. 
Case reference numbers with Chase : XXXX, XXXX, XXXX Chase agents we talked to : 1. XXXX ( employee id : XXXX ) 2. XXXX ( employee id XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX  is reporting erroneously on my credit file. I had an account with them that was included in my Bankruptcy that was discharged. They are still currently updating on my credit file and that is against the Bankruptcy Stay. I need this account to be removed from my credit file. It is erroneous and has been consistently dropping my credit score.

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 2021-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCSPLUS INCORPORATED
State: FL

Complaint narrative:
XX/XX/2018, I underwent a XXXX XXXX XXXX, that is covered under emergency benefits with my insurance. When the surgeon from XXXX XXXX, XXXX. sent the claim to the insurance company, they denied it because the XXXX  was out of network, even though I am covered in XXXX XXXX XXXX cases, regardless of the network the services is acquired. 

We appealed this with the insurance company and were denied multiple times. 

The surgeon from XXXX XXXX, XXXX. sent my name to collections for the remaining balance of $ XXXX when in fact, its the insurance company, XXXX XXXX, that is delinquent. 

Now NCSPlus Incorporated has put a huge $ XXXX debt on my name and has ruined my credit. Over a medical issue that was completely covered. 

My issue here is that NCSPlus Incorporated should be sending their collections notices to XXXX XXXX since its their debt to be paid, not mine. This huge mark on my credit hurts my life and livelihood. Im now stuck in a hole that I should never have been in to begin with because I was 100 % covered at the time of the XXXX XXXX XXXX performed in XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: CO

Complaint narrative:
After finding a collections account on my credit report, I contacted XXXX XXXX, who had reported me to Receivables Performance ( filing a separate complaint about them ) for {$350.00}. I have never heard of this company or had an account with them. Initially XXXX said there was no account with my name when I called them XX/XX/21 at XXXX. They told me to file a police report and email that and my photo ID to them at XXXX. This seemed odd to me. I called again XX/XX/21 and asked how they could have reported me to collections if there was no account in my name. Then they found an account with my first name and my last name spelled XXXX instead of correctly as XXXX. They wouldn't give me any additional information about this account, but instead told me I needed to contact the collections agency to get the account number, address and date of bill from them. The collections agency says to leave voicemail, but then has a full voicemail box, so I couldn't leave a message. When I asked to speak to supervisor I was told there weren't any as company was under bankruptcy.

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 2021-07-27 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: MA

Complaint narrative:
HI NATIONAL CREDIT SYSTEMS ; XXXX XXXX XXXX XXXX ; 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECK INTO CASH INC.
State: MI

Complaint narrative:
I was not satisfied with the previous outcome of this complaint so I am submitting another one because this company continues to violate laws in place to protect consumers. Not only did they receive certified, notarized mail from me on XX/XX/2021 but they failed to respond as requested in the affidavit and debt validation letter. It has been well over 30 days and I have received nothing from this company and I still expect to be compensated for my troubles. Also, my car was coincidentally stolen last week so I will not be paying them a dime, but they owe me for the violations committed against myself, a consumer. They have failed to honor my rights as a consumer and are liable to remedy me and ANY judge would agree. They owe me a check totaling to {$9000.00} for the 9 violations committed and NOW, I'm sure it is more than that they owe. However, if they want to keep ignoring the laws put in place by congress, I will have to handle this a different way as they've left me no choice. Thank you.

Company response to consumer: Closed with explanation