vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 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: I.C. System, Inc.
State: GA

Complaint narrative:
My XXXX account opened in XXXX was wrongfully disconnected multiple times in XXXX after some incorrect billing after a transfer. XXXX failed to reconnect my service in a timely manner after the last reconnection. I fully paid fees that were attributed to services that I used ; however, for every wrongfully termination of service, XXXX continue to add fees and credit some fees back to my account. They added over {$300.00} in fees for 'early termination ' of a contract that I never requested to be terminated. I attempted on numerous occasions to reactive service and finally went to FCC. Upon filing an FCC complaint, the representative from XXXX, named XXXX XXXX, admitted that XXXX would never resolve the issue because they would have to admit to FCC that they were wrong. Before this conversation, nearly two years after the wrongful termination of services, XXXX never sought collection of funds. Shortly after the FCC complaints were filed, XXXX aggressively sought to collect money from me for " early termination of services '' using a company called XXXX XXXX despite their knowledge that I never sought to terminate services. After receiving a letter from XXXX  XXXX in XXXX of XXXX, I sent a certified letter within 30 days disputing the charge and asking for an investigation. The company failed to provide with me an update. Another collections company, I C System Inc, improperly filed with credit bureau saying that I owe them {$370.00} without providing notices or results of investigation beforehand. This improper and careless act wrongfully lowered my score. In addition, these fees were not accrued by me. XXXX terminated services and refused to provide me their services. I have email proof of their initial removal of the fee and they once again added the same fees. 

XX/XX/XXXX - XX/XX/XXXX - wrong billing and multiple wrongfully termination of services that were paid for. 

XX/XX/XXXX - FCC complaint filed against XXXX XXXX FCC compliant filed again, pursuant failure of XXXX to address the primary complaint and provide me with a copy of their response to FCC regarding my complaint XX/XX/XXXX - Dispute letter was sent via certified mail to XXXX   XXXX, who persistently harassed me via phone for 2 months before sending ( 1 ) letter in XX/XX/XXXX to inform me of their intention to pursue collections. 

XX/XX/XXXX - I C System Inc files collection on my credit report without ever sending me any communication nor opportunity to dispute that I've received.

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 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want to dispute and remove the South Carolina student loan accounts. They are extremely old

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 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI

Complaint narrative:
This account is negatively reporting a debt collection to all 3 credit bureaus after its been proven that the account did not belong to me. This company inaccurate information is negatively affecting my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
This company was sent various certified letters requesting debt verification documentation & debt removal over 50 days ago. However, they havent responded to any of the letters and is continuously reporting inaccurate information to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: GRANITE STATE MANAGEMENT & RESOURCES
State: NY

Complaint narrative:
Granite State Management has ruined the last 14 months of my life. I have not been able to rent an apartment, apply for any credit or to be able to continue to build my financial status. I have been requesting since XX/XX/XXXX for GSMR to check the system to rectify the error on my daughters student loan account. 
Initially, I was told the issue was with my daughters college, XXXX XXXX XXXX. GSMR has been informed that my daughter is no longer a full-time student and it automatically took the student loan out of forbearance. After the third call, I went to XXXX XXXX financial aid office, my daughter, XXXX and I spoke to XXXX. I was told this can be cleared up quickly. We contacted GSMR on the phone and informed them the information will be sent from the school. 
After GSMR received the information, I was informed there was a different reason as to why my daughters loan was in deferment. I was told I never signed a deferment to begin with. GSMR requested for me to sign another deferment. I did not agree with their advice, however if I did not it was going to make my credit worse. I signed temporarily, in hopes that the school would be able to provide proof of my statement. 
Friday, XX/XX/XXXX, I spoke with a supervisor from XXXX XXXX Financial Aid Supervisor, she expressed she had the same problem with her student loans while in college and accessing the Federal Student Loan Database was her solution. She explained that GSMR has full access to the Student Loan Database and should have been able to verify this information without hardship. 
I have continually requested for GSMR to please check all records that may be privy to such information and they continued to reflect negative false information that was harmfully to my credit report and my familys livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: NY

Complaint narrative:
XXXX XXXX XXXX has ruined the last 14 months of my life. I have not been able to rent an apartment, apply for any credit or to be able to continue to build my financial status. I have been requesting since XX/XX/XXXX for XXXX to check the system to rectify the error on my daughters student loan account. 
Initially, I was told the issue was with my daughters college, XXXX XXXX XXXX. XXXX has been informed that my daughter is no longer a full-time student and it automatically took the student loan out of forbearance. After the third call, I went to XXXX XXXX financial aid office, my daughter, XXXX and I spoke to XXXX. I was told this can be cleared up quickly. We contacted XXXX on the phone and informed them the information will be sent from the school. 
After XXXX received the information, I was informed there was a different reason as to why my daughters loan was in deferment. I was told I never signed a deferment to begin with. XXXX requested for me to sign another deferment. I did not agree with their advice, however if I did not it was going to make my credit worse. I signed temporarily, in hopes that the school would be able to provide proof of my statement. 
Friday, XX/XX/XXXX, I spoke with a supervisor from XXXX XXXX Financial Aid Supervisor, she expressed she had the same problem with her student loans while in college and accessing the Federal Student Loan Database was her solution. She explained that XXXX has full access to the Student Loan Database and should have been able to verify this information without hardship. 
I have continually requested for XXXX to please check all records that may be privy to such information and they continued to reflect negative false information that was harmfully to my credit report and my familys livelihood.

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 2019-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX I paid off my Amazon Store card through Synchrony Bank. This amount was for XXXX. They decided to take a second helping of the same amount. They told me they could not return the money and only cut a check later despite the amount of financial ruin this would have dropped on me by taking way more money than I had available to me. The actions they were supposed to take was wait for me to put a stop on my account to block the second charge. Then if all else fails issue a check. Well they issued a check anyway despite asking them not to, and now mysteriously they say part of my original payment is missing, despite it being paid in full as of XXXX and reflecting as much in my account. I have spoken with multiple agents whom blame my bank for this issue despite it being on their site that it has seemed to become worse with each passing day and every new interaction.

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 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CARRINGTON MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My XXXX  request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp
State: IL

Complaint narrative:
This letter is to inform you that Lending Club has failed to respond to my credit dispute letter and failed to verify that this account belongs to me that I sent certified mail on XX/XX/2019. This is creating major issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. 

I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? 

This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. It is my contention that Lending Club Corporation know they can not tie me to this account, otherwise, they would have done so when I made my initial request. Lending Club Corporation is blatantly disregarding the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
1st Franklin Financial or the process server by the name of XXXX XXXX claimed to have served me with papers on XX/XX/XXXX for a loan from XXXX which it completely false. Not once was I notified, served nor did it even show on my credit report stating I even owed them. Case # : XXXX-XXXX, process server lied about me being contacted and I didnt sign anything. I would like to know what kind of legal action can be taken against XXXX XXXX for his false statement as well as 1st Franklin Financial since it has affected my ability to get approved for ANYTHING.  Theyre trying to garnish my wages and I will not let that happen willingly.

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 2019-10-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My husband and I had a boat loan with USAA in XXXX. 

My husband died in XXXX. I made payment until XXXX when I decided to sell the boat. I also paid over the loan amount due to having a higher balance then the sales price so USAA agreed to allow me time to sell it without making a monthly payment, since my husband died. They agreed to not hurt my credit yet they did. 

They were unprofessional with the buyers lender and lost the loan info and lost the payment check they received. I almost lost the buyer. I reported this for years begging for credit corrections. The boat was finally sold with a trailer and engines once they got the paperwork right. That was in early XXXX Credit remains incorrect and damaged. 



Im XXXX I needed to buy a new car. I was given a higher interest rate bc USAA had XXXX in debt in my ratio, as they stated I had never paid the loan off. This caused my car interest rate to be higher then I deserved but I had to turn my our family car over to its lender since my husband died. USAA was called again and took months to remove the debt. They agreed they were wrong yet again but that hurt my interest rate. Did not have time to beg them to fix it. I am self employed so my credit is important to me. 

They now ( XX/XX/XXXX ) have a UCC filing against myself and my late husband bc they state we did not pay off the trailer that was part of the boat sale. 

I received a title in my late husbands name last week. Title made out to a deceased man who they know is deceased. Also a title we dont have any rights to because I sold that trailer with the boat in XXXX. This means that never released the title to the buyer. I told their Coorporate office this in XXXX and they did not care about the incorrect UCC filing. I asked them to send me something in writing stating they agreed this has all been handled wrong and they refused. They have not returned calls either. 

I am still begging them to remove the inaccuracies from my credit and send proof of their errors. They have denied my credit appeals and violated lending laws when my credit monitoring company had me request documents they failed to provide. 

Please help. Please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: MA

Complaint narrative:
EQUIFAX is reporting my XXXX XXXX XXXX XXXX XXXX account with a late payment and that is inaccurate, I have never been late on this account. Delete late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wellsfargo account of my entilment to reveal a opt over draw of my account in which the bank does not charge a over draw free else another transaction is place on the account. XXXX XXXX I was charged with a fee this happen to me before at the bank of auto phone tel verbally statement that my account is clear of all incoming and out going charges and when went to deposit what was owed i was told another pending transaction that cause a large some of money to be owed in which i felt .i was being subjected to cusumer brutality of theft fraudlent collection being place on my account of the banker staff inwhich of swtiching incoming debits to insure that it was a over draft as well as threat of staff threat of service and as well as a personal physical finacial bodily harm threat XX/XX/19

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear CFPB and BMO Harris, I applied for a new BMO Harris Smart Advantage Checking account and a new Statement Savings account on XX/XX/19. At the time, BMO Harris advertised a {$300.00} bonus for the checking account and a {$200.00} for the statement savings. ( I have attached a print out of the application page that confirms the promo code was attached to my application. ) Both accounts were opened on XX/XX/19. 

The terms and conditions for the bonus, which I also provided as an attachment, specify that " the bonus is paid approximately 120 days after opening. '' Since more than 120 days had passed since my accounts were opened, I contacted BMO Harris via secure message to get an update and inquire about my pending bonuses. For your review, I have attached my secure messages.

A representative of BMO Harris claimed that I have met the requirements for the Statement Savings {$200.00} bonus, however, that I did not meet the requirements for the Smart Advantage Checking {$300.00} bonus. For your review, I have attached the first two statements for the Smart Advantage Checking account which clearly show the required opening minimum deposit of {$25.00} was made, the 10 debit card purchases within 90 days of account opening were made and that the PPD deposits over {$500.00} were made on two consecutive months to meet the requirements for this bonus.

I decided to file through CFPB upon discovering of numerous complaints online regarding BMO Harris ' reputation for not issuing bonuses to depositors who have met promotion requirements. If any party would like additional information or evidence, kindly reach out to me. Thank you very much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
For more than 7 years the XXXX at Wells-Fargo have arrogantly refused to listen that it's impossible for us to phone an 800 number within the US from another country. While this is unbelievably stupid, it's also cruel, especially when one 's finances are involved. They have made me suffer for more now than 7 years. 

I HATE THEM, I'M SICK OF THEIR ATTITUDE OF SHUTTING OFF ACCESS TO MY ACCOUNT THEN PLAYING SICK GAMES DENYING ME ACCESS TO MY MONEY SO I CAN LIVE. 

THEY MUST BECOME PROFESSIONALS AND LISTEN TO, AND HELP THEIR CUSTOMERS.

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 2019-10-08 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: MO

Complaint narrative:
The following accounts are not mines and belongs to another inwhom made me a victim of identity theft/ fraud. I'm demanding either I be provided with physical documentation such as my signature, id, etc as it relates to these accounts, or please remove and block these fraudulent accounts immediately. The accounts being disputed are. 

1, XXXX {$1300.00} 2. XXXX {$1900.00}

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 non-monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please put an extended fraud alert on my credit 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 non-monetary relief