vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 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: FL

Complaint narrative:
Since I saw this complaint from XXXX/XXXX  I started sending communications to them soliciting the removal of the adverse information. I request them to provide with original documentation or details about the amount showed as a debit. They never provide with that info.

Later another company appears collecting the same debit for {$560.00}. I did return all of the equipment 's to the cable company. Regardless that fact. cable company still collecting those equipment 's after a couple of years of being returned.

I did contact IC Systems as well, and every time I contacted them, they just said " verified '' and change the dates of account opened to the date I've contacted them.

I have contacted them over 10 times with negative results.

I would like to have an auditing company or someone from upper levels to take this into consideration. I would like to see original documents where shows amounts owed " according to them ''. I feel abused for this company IC Systems and completely ignored in my requests.

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 2021-07-15 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: Avant Holding Company, Inc.
State: CA

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 haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Wells Fargo gave me the the total stolen for XXXX as {$56000.00} stolen. I ask to put the amount stolen in XXXX for a total of {$29000.00}. The total stolen was {$85000.00}.

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 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ASG Solutions LLC
State: NV

Complaint narrative:
My sister received a call from XXXX XXXX " claim XXXX '' stating that he has legal documents to issue for me. To mention he never made any calls, nor provided any written communication to me. I return call to number provided XXXX XXXX XXXX  and it went immediately to voice mail of XXXX XXXX now Claim Director no longer investigator. I left voice mail with my name and contact informations. Shortly after I got call from XXXX. I answered and another female XXXX XXXX called and said that she is there to work with me on settling my debt. She told me that I owe {$1900.00} to XXXX and that her company ASG Solutions LLC is hired to collect debt. No official " This is an attempt to collect debt '' I informed her that Advance.cash. com was not licenced in my state and that I spoke with them informing them that I will stop making payments until they provide me with information that they are legal to operate in State of Nevada. I made total of 5 payments for {$240.00} each on {$900.00} loan before I stoped making payments to them. They never provided info back. I ended up paying {$700.00} with XXXX just to stop disturbance of my parents and sister. I believe XXXX XXXX lied and make false claim about legal documents. They used unfair collection practices on loan that is not enforceable. Contacting others then me was wrong as well. They had no records of any written communication to me. I wasn't allowed to dispute the debt as per law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: LPH, Inc.
State: MT

Complaint narrative:
Northwest Collectors in XXXX, MT have harassed me about a debit that wasnt mine, not once, not twice but three times now, for another womans debit, that is not mine. The first time, it was about her negative balance on her car, the second time was about her negative balance in her bank account. The third time, which was yesterday, a processor showed up at MY place of employment to serve me papers for ANOTHER womans account. I dont know what this debit was for but I have called them after the first and second times asking them to stop, asking them to be diligent and look at social security numbers, middle names and dates of birth. 
This third time, after having a processor show up to my work, I am done. This needs to stop. This is harassment for a debit that is not even mine and Northwest collectors are humiliating me, going to the place of my career.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors 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 always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. 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. 130 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. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Originating lender has XXXX lien on XXXX stock shares after being paid in full. 
Requested lien release ( XXXX Termination ) XX/XX/XXXX from originating lender. 
Response from originating lender was that loan was transferred to another lender on XX/XX/XXXX - blocking borrower ability to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Submitted multiple investigation requests to the CRA on XX/XX/2021, XX/XX/2021 with subsequent complaint to CFPB - complaint # XXXX. 

It is my understanding that as a consumer, I have a right to complete and accurate information reported on my credit file. It is also my understanding that the credit reporting agency ( Transunion ), by law, must investigate and update with complete information or delete the item from my file. 

Transunion has not properly investigated my dispute. They have not accurately updated my consumeer report, nor have they removed the item that they could not verify. 

The CRA/Transunion is reporting an inaccurate " current status '' of " Charged off as bad debt ''. The report shows a 7 year period with no late payments. My Transunion report has reflected this unresolved discrepancy for several months with no resolution afforded to me by the Fair Credit Reporting Act.

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 2021-07-15 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been requesting a check for the negative account balance of my {$3400.00}. Wells Fargo has been telling me they would send the check within a maximum of 30 days, for my account which has a negative balance. I made the request for the check on XX/XX/2021. Customer service has lied multiple times and said the check would be sent within 30 days and it has still not been sent.

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 2021-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A few months ago I noticed incorrect information on my credit report that was not mine. After carefully looking through my credit report, I wrote a dispute letter to the top three credit bureaus ( XXXX, XXXX  and TransUnion ), on XX/XX/2021, sending it through certified mail though the USPS. 

After 45 days, I did not hear a response from them. However, looking into my credit report at this time, I noticed that the account details were changed to " Consumer Disputes ''. So at least I got confirmation that they received my letters on XX/XX/2021 by the USPS, and that they read them because my credit report indicated that they marked the accounts with " Consumer Disputes ''. 

So I sent a second set of letters, certified mail, to XXXX, XXXX  and TransUnion dated XX/XX/2021. USPS states that they received the letters on XX/XX/2021. 

Again, more than 45 days later, I have only received confirmation from one credit bureau, XXXX. They deleted and removed every single account, that I disputed, from my credit report due to inaccuracies and because they could not verify the accounts as mine. 

Once again, I am writing to XXXX  and TransUnion to understand why they are failing to comply with the investigation.

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 2021-07-15 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: DISCOVER BANK
State: VA

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors 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 always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. 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. 130 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. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors 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 always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. 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. 130 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. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: OH

Complaint narrative:
On XX/XX/2021, I filed an dispute about incorrect information showing on my credit report and it's be well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: VA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: AZ

Complaint narrative:
I had a background check done by Sterling for a hotel who offered me a position.They emailed me and gave me a link to click on to view a copy.The information on this report was false.I have never been Charged as a XXXX offender.This is ruining my life.i cant get a job, and i cant apply for housing.The statement is false, and it left out some things that were in my XXXX  history.I had a background check done 3years ago and this information was not on there.Please help me.this false information is ruining my life.

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 2021-07-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
After filing a complaint yesterday that US BANK will not do their part to allow me to make my payments again. Ive called twice a week for the past 5 months. 

First they lied about a flex modification. Now, they wont let me file for deferment. They have told me since XX/XX/XXXX to call back weekly so that I could file for deferment. 

Today, XX/XX/XXXX I called to see if the fraudulent flex modification was removed as I requested back on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Which was finally removed on XXXX. 

I was told on XX/XX/XXXX it would take 7 days. So what happened?? 

As of today I was just told that brocade I filed a complaint I would not be able to file for my deferment until XX/XX/XXXX. This is ludicrous and unethical practice. 

US BANK continues to hold my mortgage hostage while I have been begging to go back to making my payments. They are telling me I can not enter the deferment program until after my complaint closes on XX/XX/XXXX. How does this make sense? Im complaining this is taking too long and they drag it out further??? 

I was also told today that once they file the deferment on XX/XX/XXXX it will take two months before I can start making payments to enter the program. 

I began this process on XXXX of XXXX and planned to begin making payments again in XXXX. I even made a good faith payment and the lowered rate they laid to me about. 

How is it that I am begging and calling the bank twice a week to try and make my payments. 

Why will it take 2 more months for me to enter a three month program which I should have already completed it US bank account as doing their job. 

Does the FCPB provide legal counsel? Who can help me? My eights have been violated and this ban should be sued!!!!

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 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
I had a mortgage with XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ) closed on XX/XX/21 for the amount of about $ XXXX. Since then I made two payments to them : {$50000.00} on XX/XX/21 due on XX/XX/21 and {$100000.00} on XX/XX/21 due on XX/XX/21. I got statements from them that the payment was accepted and my principal balance is {$650000.00} dated XX/XX/21. 

On XX/XX/21 the mortgage was transferred to Community Loan Servicing LLC XXXX XXXX. XXXX XXXX XXXX, OH XXXX ). But these guys dtate that my principal balance is {$800000.00} and required payment due on XX/XX/21. That is they lost about {$150000.00} principal payments, incorrectly calculated due date, charged interest on higher amount, and charged late fee because I made next payment on XX/XX/21. 

I contacted Community on XX/XX/21, XX/XX/21, and XX/XX/21. Every time they promised to resolve issue in 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc.
State: FL

Complaint narrative:
I have reached out to this company Merchants Adjustment Service pretty much every since this collection has showed up on my credit report via mail and I have not received any feedback whatsoever. I have never received a " debt validation '' letter from them nor have they responded back to me to " verify '' that the debt is actually mine. I have disputed with the Credit Bureaus about this also and they always come back with that the debt is " verified '' without any proof. I have requested documents that include my signature, verifying the debt is mine. The last attempt I made with this company was back in XXXX of 2021 where i sent them a letter via " certified mail '', it was returned signed by someone who i assumes works there but they " neglected '' to put the date that they signed it when clearly they have 30 days to respond. They never responded and today is XX/XX/2021. This collection is damaging to my credit.

Company response to consumer: Closed with explanation