vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-16 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: PA

Complaint narrative:
Account was not verified or  Consent was  not givin prior to reporting under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: PA

Complaint narrative:
Account was not verifie d or Consent was no t givin prior to reporting under the FDCPA.

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 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On   XXXX   XXXX   XXXX  , I was noticed of the following from the  I.R.S.  : " Per our records  XXXX   XXXX   XXXX  received {$300000.00} in cancellation of debt from SPECIALIZED LOAN SERVICING,  LLC  -  XXXX .  XXXX   XXXX   XXXX   XXXX  's cancellation date occurred   XXXX   XXXX   XXXX  . '' and " Per our records  XXXX   XXXX   XXXX  received {$300000.00} in cancellation of debt from SPECIALIZED LOAN SERVICING,  LLC  -  XXXX .  XXXX   XXXX   XXXX   XXXX  's cancellation date occurred   XXXX   XXXX   XXXX  . '' I did not execute any debt instruments in favor of Specialized Loan Servicing, LLC ( "  SLS '' ).   My husband  XXXX   XXXX   XXXX  did not execute any debt instruments in favor of Specialized Loan Servicing,  LLC. It i s an impossibility for SLS to have purchased debit instruments that comport with the debt forgiveness figures SLS reported to the I.R.S.      XXXX   XXXX   XXXX ,  XXXX  has no authority to report to the I.R.S. that it cancelled debt on   XXXX   XXXX   XXXX  , relating to my social security number, nor my husband 's social security number.     Apparently,  Specialized Loan Servicing, LLC used  my identity and my husbands identity in a fraudulent scheme to take tax deductions to which it has no right, and to harass me, my husband, and my family.

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 2017-05-16 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: MN

Complaint narrative:
I Need to file a complaint on Equifax 8 times I have asked them to investigate credit inquires on my Equifax credit report they have refused to investigate the items listed below. they asked me to contact the companies below I did so and they failed to respond back to me Per the FCRA Equifax has 30 days to investigate if this issue is not resolved by Equifax I will file a lawsuit 
  XXXX   XXXX   XXXX   DATE   XXXX     XXXX   XXXX     XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX  
IF YOU ARE UNABLE TO PROVIDE THE INFO THAT I'm asking for please remove these authorize inquires   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   
  XXXX   MN  XXXX 
 XX/XX/XXXX 
Social Security #  XXXX 

Equifax   XXXX   XXXX   XXXX    
Dear Credit Bureau Representative:

	I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is (1) a firm offer of credit, (2) insurance, (3) an application for employment, or (4) a court order.

	The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act.

1.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I received a letterfrom IC Systems on   XXXX     stating that I owed them {$250.00}. I dsputed this debt and send a letter for verification of the alleged debt. I never received a response from them and they inserted a collection account on my credit report on  X/XX/2017

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 2017-05-16 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: FL

Complaint narrative:
I dispute these Item XXXX XXXX XXXX : Account XXXX Amount {$5000.00} not more than three payments past due. Please delete the amount of {$5000.00} and not more than three payments past due must be deleted. XXXX XXXX XXXX : Account XXXX Amount {$5000.00} I was never late on this Account : XX/XX/XXXX for 30 days, XX/XX/XXXX for 30 days, and XX/XX/XXXX for 30 days, XX/XX/XXXX for 30 days, XX/XX/XXXX for 30 days, and XX/XX/XXXX for 60 days, and XX/XX/XXXX for 60 days. And please remove all date of these late payment must be deleted Equifax. Equifax did not compile with the State Attorney General Settlement Agreement and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receiptby him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I have a a unverified account from I C Systems Collections #  XXXX . I had previously disputed this account. I have never done business with I C Systems Collections. Pursuant to the Fair Debt Collection Practices Act ( FDCPA  ) 15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that I C Systems Collections #   XXXX **** Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C Systems Collections Cease and Desist all further communications and collection actives and provide the verification of the purpo rted debt.

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 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX   XXXX   XXXX    XXXX  called to report that it was n't me that applied for this  Credit plus   XXXX  and  XXXX  reported no knowledge if inquiry   XXXX   XXXX     XXXX   called to get it taken off   XXXX   XXXX    XXXX  reported no knowledge of account with company

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 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC
State: TX

Complaint narrative:
I keep a close eye on my credit report for which it contains value to me and my credit worthiness . Allied Interstate submitte d a collection account to my credit report recently in the amount of {$310.00}. This is an illegal collection and also, I was not contaced at all or notified of such debt. I did not sign any contract with this company. Also, it seems as though the original creditor i s   XXXX   XXXX  . I ow e nothing to anyone. The company tha t Allied bought m y information from is inaccurate.  XXXX   XXXX  had a roof leak which caused water damage to my unit. I had to move my things out before my apartment was ready and also go through all my items to see what other damage was done. I also filed a claim with the insurance and received reimbursement from the. So, there is no way I am liable for anything. This is inaccurate at I owe no such debt.   XXXX   XXXX   better be glad a lawsuit was not filed against them for the damage and the  manager knew  it was damage to the roof leak before I moved in and failed to report it. Also the mold that spreaded throughout my unit is a type of mold my daughter is very asthmatic too. Which I also informed the  manager. I will be  soeaking to an attorney to pursue this matter if this is not removed Immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Starting in  XXXX    XXXX   I applied for a loan to build a house with regions mortgage in  XXXX  Al  XXXX  and the person I started with was doing a good job with the process of get every thing done in a timely matter. Then she left the company and I got passed on to someone else that was doing a great job with process also and then he left the company and I was passed to a  XXXX   XXXX  who has did nothing since I have spoke with her but lied as if she is working on my loan. So I asked to speak with her manager  XXXX   XXXX  and she did call me back after I called her abo ut three times and left a voice message on my phone. I called her  back and left a message for her to call me back. In the message she said she would me Monday the  XXXX  so I called her again. NO CALL BACK. My credit is good and I have my own money for my down payment. It 's now  XXXX  and still I 'm at phase  XXXX  so all I can say is maybe they do n't want to help me. So please tell me what do u call this issue that I 'm dealing with.

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 2017-05-16 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
IMPROPER USE OF PERSONAL INFORMATION UNDER THE FDCPA GUIDE LINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: ID

Complaint narrative:
In  XXXX    XXXX   I became ill and my brother took me to his home to care for me. He inquired as to what it would take to buy me out of my lease, They told us {$1400.00}, a 30 day notice and current months rent. I seemed to recover enough to go home at the end of  XXXX ,   XXXX  . But shortly after returning home I had a relapse and my brother decided I needed to move in with him and  XXXX  my sister in-law, so I could be cared for around the clock. On  XXXX   XXXX ,   XXXX    XXXX  and I went to the apartment  manager  and took them the {$1400.00}, the 30 day notice, and  XXXX  rent. The woman in the office said she could take the 30 day notice and  XXXX  's rent, but explained I had to come back to talk to the manager. On  XXXX   XXXX ,   XXXX   my caregiver  XXXX  and I went back to give th e manager the {$1400.00} I had to stay in the car due to my illness. The manage  XXXX  proceeded to tell  XXXX  that because I did n't give the {$1400.00} when I turned in the 30 day notice I would owe for  XXXX  also.  XXXX  explained that we tried to turn it in on  XXXX   XXXX  but they refused it. I do n't owe them anything I did what I was told and they took the money the notice and the current rent. I have been fighting I.  Q. Da ta ever since. I do not owe them {$880.00}. Because of this I  may  have lost a wonderful opportunity for me to get a nice apartment close to my family but still live independently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Re : Account Interest Checking-  XXXX   CITIBANK promis ed a {$400.00} new account promotion for depositing {$15000.00} and maintaining a balance there for some time.     I made the deposit and continued to increase my account balance over the next 90 days . For one emergency situation, I withdrew {$40.00} or {$60.00} from a Citibank ATM, w hich had my balance dip below {$15000.00} temporarily.     However, I continued to make deposits in to my Citibank account  and maintained a balance north of {$15000.00} and north of {$20000.00} for some time.     I called the  XXXX  customer service number a few times to inquire about my bonus - first in   XXXX   XXXX   and again in   XXXX   XXXX  . Both times I was assured that I had already fulfilled the requirements and that the bonus would be credited at some time in the future.     When I inquired again about the bonus in   XXXX   XXXX  ,  Citibank then den ied me the bonus. I requested an investigation by the  Citibank Executive Response Unit and again I encountered unprofessional and deceitful  behavior by  XXXX   XXXX  and  XXXX   XXXX , who sit in  XXXX   XXXX , Texas.      XXXX   XXXX  stated that they received all account records and calls and said no one ever said that I earned the bonus. I immediately told her that this was false, because I was told on a few occasions by customer service representatives that I had earned the bonus.      XXXX   XXXX  then stated that I spoke on the phone with  XXXX   XXXX  about the results, which again was false. And  XXXX   XXXX  that  XXXX   XXXX  mailed the results, which again  is FALSE.      I am now in process of closing the account, but I am still insisting that  Citibank  abides by the promise, sinc e Citibank told me t wice that I had, in fact, earned the bonus.

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 2017-05-16 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: NY

Complaint narrative:
IMPROPER USE OF PERSONAL INFORMATION UNDER THE FDCPA GUIDE LINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
IMPROPER USE OF PERSONAL INFORMATION UNDER THE FDCPA GUIDE LINES.

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 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: CO

Complaint narrative:
We mail th e Seterus mortgage  payment between/on the   XXXX   on the month since the due date is the  XXXX . It is mailed in the  Seterus com panies ' envelope along with the payment stub provided b y Seterus. If th e payment is received before the first of the month, the  Seterus  always applies it to the principle amount of the loan and not the current payment that is on the payment stub tha t Seterus provides to us. This happens on a repeated basis with this mortgage company. Seterus tells me I have to pay it online if I do n't want this to keep happening. I   do n't want to pay online nor should I have to be forced to pay online.    Seterus called today to say that I have n't paid for this month, which I have ... .Seterus posted the pay ment on   XXXX   XXXX  . When I explained tha t Seterus nee d to reverse the payment, they said no and said that I still owed for the   XXXX   payment and hung up on me. So my wife called back and she was told that the interest on this loan is accrued quarterly which is NOT TRUE and she knows this is not true. I pay interest every month and it is stated on the statement. I have the right to pay this on time and Seterus should make changes in their system or explained to the human being that opens the envelope and sees the payment stub to apply it to the payment that is posted on the stub it is mailed in on that they receive from us. This keeps recurring, why  wo n't Seterus appl y the correct payment on time?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: CA

Complaint narrative:
It 's over th e 7 y r statue but they continue to report that I 've made payments then stopped like a few months ago when I have not made any payment since  XXXX   XXXX  then they put someone else 's debt on my report when I ca ll I co ntinue to be told someone will call me back but never does and when I ask for proof of all theses payments there saying I made I get a run around yet on the credit report there stating it was charged off in  XXXX  when that is not true it was charged off in  XXXX  this account was opened in  XXXX / XXXX / XXXX  and should be removed off all my credit reports by now or this year not  in 2 m ore yrs t

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 2017-05-16 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: CA

Complaint narrative:
It 's over th e 7 yr sta tue but they continue to report that I 've made payments then stopped like a few months ago when I have not made any payment since  XXXX   XXXX  then they put someone else 's debt on my report when I  call I con tinue to be told someone will call me back but never does and when I ask for proof of all theses payments there saying I made I get a run around yet on the credit report there stating it was charged off in  XXXX  when that is not true it was charged off in  XXXX  this account was opened in  XXXX / XXXX / XXXX  and should be removed off all my credit reports by now or this year not  in 2 mo re yrs t

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 2017-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have  XXXX  accounts w ith Midland Funding  #  XXXX  and #  XXXX  and I have requested debt verification more t han one ti me and this company has not provided me that information. It has been more than 70 days and not information has been provided to me from this company. I 'm requesting that since this company has failed to provide me with information that this account be deleted from my credit report. They have indicated that since that they have not provided me verification that they were going to delete the information from my credit report, but they have failed to remove from my credit report. I have sent them and the credit bureaus more th an 4 letters  requesting verification which they have refused to provide me.

Company response to consumer: Closed with non-monetary relief