vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I received an alert from all 3 credit bureaus informing me about a collection that was placed on my credit. 
The name of the collection company is IC system. I never received any letters or debt validation from this company. I know my rights and I understand my consumer rights to dispute any information that is in error or not mine. I tried contacting this company about validation of the debt they claim I owe them. I need this company to send all signed documents stating that I agreed to pay them {$460.00}. I also need original copies and agreements between myself and this company. I do not have any knowledge about this debt they claim I owe. I am a very responsible person and this collection that they sent to the 3 major credit bureaus is damaging to my credit. PLEASE NOTE I DID NOT HAVE ANY HISTORY OF LATE PAYMENTS OR COLLECTIONS UNTIL THIS COMPANY PUT THIS ERROR ON MY 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 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc.
State: VA

Complaint narrative:
They lied and said they don't see them debiting money out of my checking account on the XXXX of every month. 

There was an unauthorized charge came through my checking account and the bank had to close my account. This unauthorized charge took 50 % of my whole check so my bank had to close my debit card. I did not know they closed my debit card. Because I agreed to have them to draft the money on the XXXX. I went to the bank an got a new debit card. I put my new debit card as soon as I got it in the SELF dashboard. So they had my new debit card on the XXXX and my agreed upon payment was paid on. The XXXX on time. Meanwhile they went into my debit card on the XXXX a couple of times and they dropped my credit score by 70 % and they got there money on time. I was never left and they got my new debit before the XXXX on time and there were suppose to have a grace period before they mess with your credit. The agreement was them taking the money from my account on the XXXX not before. I paid them on time and my credit dropped by 70 %. I cancelled my SELF credit builder account and I asked why did they went into my checking account before the XXXX and all they kept doing was lie and they got mad because their attempt failed on XX/XX/XXXX did not go through and they lied about them drafted money from my checking account. 

I done nothing wrong so I closed my credit builder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Around XX/XX/2020 this Title Company FIRST AMERICAN MORTGAGE SOLUTIONS Assisted to record a Fraudulent Document to a third party company affecting the Chain of Title of my house located at XXXX XXXX XXXX XXXX CA XXXX ( Attach the instrument # XXXX herein ). 
I state since there existed 2 Robo-signatures documents previously recorded in the Chain of Title of the property describe above, I already reported to the Local Authorities as well to the CFPB inquire number # XXXX against the XXXX XXXX XXXX XXXX Then for after the one recorded by FIRST AMERICAN MORTGAGE SOLUTIONS it makes the document recorded with instrument # XXXX Fraudulent and Void itself, the title company 's client XXXX XXXX XXXX had personal knowledge about it, They Ignored and rejected the information given. ( Attached XX/XX/2020 Certified letter Please see Pages 32-33 as reference, at that time The Title Company 's Client didn't include the Title Company name ). 
So Thru the CFPB I would like to have this title company to remove this document from the county records and send me an Apology Letter.

I want to say every company or institution who are participating in the theft of my property will be liable for economical and medical damages I may incur.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
Vehicle was involved in a Collison on or around XX/XX/2016. Car was covered under insurance ( XXXX ) through XX/XX/2016. Upon demand for payment by Hyundai Motor Finance ( HMF ) to XXXX in the amount of {$12000.00}, XXXX paid exact amount as requested by HMF to HMF. Check # XXXX ( {$12000.00} ). Car was fully covered by insurance, payment made ( and cleared, receipt sent to consumer ) in the amount requested by finance company, therefore nothing is owed. There is no bad debt, collections, or charge off ; account paid in FULL. 

HMF and/or credit reporting agencies refuse to remove item from credit report as " HMF states the report is correct. '' This is deliberate and fraudulently reporting false info to credit agencies despite providing proof of payment from XXXX to HMF. 

**Do you research and stay far away from HMF. This is a " thing '' apparently**

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 2021-02-24 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: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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 — Problem with personal statement of dispute
Company: M&T BANK CORPORATION
State: OK

Complaint narrative:
Our mortgage servicing company changed during our mortgage period. We were not aware of the change in companies. Our mortgage payment is set up on automatic withdrawal. Our payment went out on time every month and was received every month. The dispute involves our payment in XXXX, 2018. Our payment went out to the same place we had always sent it. The payment/check was received and the amount was deducted from our account. The payment was then returned to us in early XXXX and that was when we learned there was a new servicing company. We promptly made a new payment. I have attached copies of our bank records to verify our issue. 

This is incredibly frustrating. When we appealed the report all that happened was that the current mortgage company confirmed they received the payment late. No one looked at our supporting documentation to show we were not late in making a payment, it just went to the old servicer. This should not reflect on our credit history as all of the payments were made on time and deducted from out account.

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 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, Mr. XXXX applied for a mortgage payment modification program due to the death of his spouse and was accepted. Once accepted, the online app said first modification payment due was XX/XX/XXXX and it was made on XX/XX/XXXX. Mr. XXXX made all modifications payments on time for {$1100.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and then canceled the program in XX/XX/XXXX as it appeared to be affecting his credit report. On XX/XX/XXXX, a payment for $ XXXX was made in order to bring what appeared to be a now delinquent and inaccurate account current. 

Last year, Mr. XXXX made {$29000.00} in payments in good faith in order to keep his credit in good standing, which is {$11000.00} OVER his regularly-scheduled payments. 

In XX/XX/XXXX, payments were mismanaged with " applied credits '' after payment increased for escrow adjustment and auto-payments were short of payment. Then Mr. XXXX would receive phone calls saying he's past due so he made additional payments over the phone in good faith in order to keep his credit in good standing and now his credit report is suffering due to payment mismanagement and inaccurate late payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On or about XX/XX/XXXX I disputed an item on my credit report as it did not belong to me. I requested for the credit reporting agency and the debt collector XXXX Midland Funding LLC XXXX to validate this debt since it was not mine. As of XX/XX/XXXX Midland Funding LLC has not responded to my request for validation of this debt nor have they provided factual information that this account is legally my responsibility. As of today this account remains on my credit reports with the comment " Account information disputed by consumer, meets FCRA requirements '' This does not resolve the matter nor does it comply with my request for validation. Midland Funding LLC has violated FCRA by failing to report true information and provide me with the requested data related this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: GA

Complaint narrative:
I have made several attempts to address issues with Equifax but have not gotten anywhere near resolving my issues. I recently contacted them on XX/XX/21 and was waiting for about an hour to speak with a supervisor because the associate was not actively listening to my request and was also very combative with me about what I needed to be done. 

First I have never used a suffix with my name. I have never been known as a Jr. nor do I have any documentation that would indicate so as well as applied for any line of credit with Jr. I have disputed that directly but for whatever they refuse to remove the item and continue to try to verify me as such which is unacceptable. 

Second there is an account for US Dept of ED for a student loan which was in dispute and Ive never submitted a dispute regarding them. The most recent dispute shouldve been on the XXXX accounts so they incorrectly disputed the wrong account and also added comments that it was in dispute which I wanted them to be removed. There is two accounts for XXXX XXXX XX/XX/XXXX that the comments show as disputed but I havent disputed anything about those accounts in over a year and still the comments remain and havent been removed by Equifax. It is increasingly becoming difficult with them to resolve and they have made it extremely difficult to get in contact with anyone. I have always had issues with Equifax in the past about the information they report and the difficulty with correcting to the point that I have also submitted a complaint to the attorney general office and will consider legal action if necessary

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Due to covid-19 I was unemployed and called all of my creditors to go into a forbearance if possible. Most of the creditors agreed and I called every creditor ( see attached for proof XXXX every month to update on employment statues and extend forbearance. Citi Loan and XXXX Credit card were 2 of the creditors that I am having an issue with in regards to reporting delinquencies on my credit report. I was never notified, by phone, email or mail about my accounts being delinquent, even though I called both creditors every month during my forbearance. During a pandemic like we are currently in you would think there would be more communication and sympathy ... .I would have paid whatever needed to be paid to bring my account current. I specifically asked what I needed to pay if anything. I spoke to customer service for both creditors about this and they said there is nothing they can do once it's reported to the credit bureaus. This is very frustrating, as I am still unemployed had to bring all my accounts into a hardship agreement, which already disrupted my credit, and now these delinquencies are not making it easier for me.

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 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: TX

Complaint narrative:
This company only excepts payments made by check by your bank or over the phone with a fee. If you mail a check it will always be late at they record the date they received the payment not when it was made. I tried making several over the phone payment and even tried closing my account but they just hang up. So now I have late fees and my account still isnt closed. This card company is committing major fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: NV

Complaint narrative:
These are not my accounts. Please remove them. Also, I was never late with XXXX XXXX as I have attached my document to show it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts are continuously reported with different name variations and same account number and yet never shown in dispute status. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Due to covid-19 I was unemployed and called all of my creditors to go into a forbearance if possible. Most of the creditors agreed and I called every creditor ( see attached for proof ) every month to update on employment statues and extend forbearance. XXXX XXXX and Chase Credit card were 2 of the creditors that I am having an issue with in regards to reporting delinquencies on my credit report. I was never notified, by phone, email or mail about my accounts being delinquent, even though I called both creditors every month during my forbearance. During a pandemic like we are currently in you would think there would be more communication and sympathy ... .I would have paid whatever needed to be paid to bring my account current. I specifically asked what I needed to pay if anything. I spoke to customer service for both creditors about this and they said there is nothing they can do once it's reported to the credit bureaus. This is very frustrating, as I am still unemployed had to bring all my accounts into a hardship agreement, which already disrupted my credit, and now these delinquencies are not making it easier for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an items on the report that is inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. I did not Authorize this Account

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 2021-02-24 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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an items on the report that is inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. I did not Authorize this Account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit is reporting a fraudulent account on my credit. I didnt open this account, nor did I authorize anyone to do so on my behalf. Please remove this account from credit file as it doesnt belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 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: NY

Complaint narrative:
Hello, I would like to report about Identity theft as I do not recognize this account and inquires. I checked again my profile and I realized that they are still there. When you are going to make investigation and remove these items? I am writing again, to request that you reinvestigate this account and inquiries, and delete them. I am very sad that I see them still there. Is it possible someone forged my name, or that you have confused me with someone else? I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these items. I have never gave anybody any permission for that inquires. Please review this and remove this as soon as possible.

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 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, I would like to report about Identity theft as I do not recognize this account and inquires. I checked again my profile and I realized that they are still there. When you are going to make investigation and remove these items? I am writing again, to request that you reinvestigate this account and inquiries, and delete them. I am very sad that I see them still there. Is it possible someone forged my name, or that you have confused me with someone else? I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these items. I have never gave anybody any permission for that inquires. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation