vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc.
State: OR

Complaint narrative:
I received a letter from Convergent Outsourcing Inc out of XXXX Washington attempting to collect on a debt on behalf of XXXX XXXX. The letter was a settlement offer letter of {$2300.00} out of a {$6600.00} debt they say I owed. I contacted them on XX/XX/XXXX and filed a dispute. I did not remember ever having an account with XXXX XXXX, so I called XXXX XXXX  on XX/XX/XXXX and spoke to XXXX in their auto charge-off section. They indicated that I had an account at one time, but there was no data on file for it. It was during that conversation I figured out the debt stemmed from a lease that was broken in XX/XX/XXXX, which was also the date of last activity, or DOFD. I know this date, because it was the month I was XXXX and XXXX until XXXX. It is old enough that they have no record of it other than I had an account with them at one time. XXXX did state that they closed their file out in XXXX. At the time they closed it out it was 11 years old. XXXX also indicated they had no idea whom Convergent was, or the company convergent said sent the file to them. The name of that company is named XXXX XXXX. I called Convergent back to inform them of the information I had discovered and they were less than cordial. 
I researched both collection companies, XXXX and Convergent. Upon doing that I became increasingly concerned about the future of my credit. I know how difficult it can be to fix a credit file having worked in Banking for over a decade. I decided to file a complaint. There are many people that would be bullied by companies like this that prey on the uniformed public, know those debt are both uncollectable and not subject to judgement. Their letters clearly state that they will report it and may take action including legal action. 
I have sent a written dispute top them, an email dispute to them, and filed one Verbally. I am now filing a complaint against them. 

Convergent Outsourcing Contact Info : Convergent Outsourcing XXXX XXXX XXXX XXXX, WA XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-01-16 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: CORELOGIC INC
State: OH

Complaint narrative:
I would like to have a security freeze placed on my credit file. I have some issues with my information being used without my knowledge and consent. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  OH XXXX is my current and only address, please remove/delete the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX LOT XXXX, XXXX  XXXX, OH XXXX

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 2021-01-16 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to have a security freeze placed on my credit file. I have some issues with my information being used without my knowledge and consent. XXXX XXXX XXXX SS XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  OH XXXX is my current and only address, please remove/delete the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX LOT XXXX, XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 47 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! I have false reporting of accounts to my credit report that do not belong to me! Also after further research I found out my information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-01-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 47 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! I have false reporting of accounts to my credit report that do not belong to me! Also after further research I found out my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AE

Complaint narrative:
Dear Citibank and AAdvantage Teams, I hope your day is going well! Thank you for your help in advance! 

I am currently a servicemember XXXX  and XXXX XXXX. I applied for the Citi AAdvantage credit card with the hopes and intentions of using the promotional offer of " XXXX miles after spending XXXX '' to finance a trip back home to visit my family, as it has been a really long time. I have flown with XXXX XXXX before and absolutely appreciated the respect and dignity with which I was treated as a servicemember. 

Well, after applying for the card, it was sent to the wrong address. After waiting over a month and no card ( as military mail is slow ), I contacted a representative. They sent another one, AGAIN to the wrong address. While waiting for the second one, I even contacted an agent and confirmed if it was sent to the right one, and they said it was, but lo and behold, after another few weeks I was told it was sent AGAIN to the wrong one. By the time I received it, the promotion had expired, and I did not even get the chance to use it!! 

I tried applying for an extension, but I received a letter in the mail stating that extensions can not be given ... with no reason as to why! This situation was caused, in the end, by the confusion of many representatives, and of no fault to myself. 

Please consider an extension, or a credit. I thank you for your time and help in advance!

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 2021-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Looking over my credit report and notice there are some accounts that are paid in full and some that aren't mine. I've included the accounts below that I'm disputing that are impacting my credit report negatively : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

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 2021-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WY

Complaint narrative:
In XX/XX/2019I discovered a credit card with XXXX XXXX XXXX, XXXX. was on my credit report. I called XXXX XXXX XXXX, XXXX. and discovered this card was opened by a family member using my social and credit to open this card. The family member was an authorized user and was in possession of both cards as there address was used for the account. I never authorized for my Name / social / credit be used to open this account. I reported this to XXXX XXXX XXXX, XXXX. and the account was to be closed and at no fault to me. Now I have LVNV Funding LLC reporting debt of XXXX for such account on my credit report as a collection. I have submitted disputes over this debt reporting the account not belonging to me and have not received any proof of ownership of this debt, not one signed contract, nothing. Now I am receiving a letter in the mail from Resurgent Capital Services L.P. trying to collect this debt that does not belong to me telling me they will get a judgement against me and mail it to me? I did not open this account and handled this with XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America has utterly violated and disrespected me in regards to my business and personal account which i was forced to cancel because of there henious acts. XXXX a company that was introduced to me by bank of america were making unauthorized transactions even after canceling services and complaining to bank of america. I requested bank of america to block XXXX from having access to my account and they denied my request .my second issue with bank of america is with a claim that i filed in XX/XX/2020 against a fraudulent travel agency called XXXX to receive funds back for services that were incomplete and purposely negated. Because of covid - 19 protacols XXXX the airline canceled the original flight booked for XX/XX/2020 which XXXX was responseble to reschedule the flight. A flight that is not cancelded by a customer but an airline is the pure responsibility of the agency to supply a customer with a reimbursment in the form of a voucher if rescheduling is uncapable. The incomptence of bank of america ; no receipts just word say they took back the money that was reimburesd and quote on quote gave it back to XXXX because XXXX claimed to irresponsible which may be fiction because there reputation precedes them for theft they have committed against less fortunate citizens in a time of a crisis by stealing there stimulus checks. There process of investigation is not based on phone calls nor sources for facts just word say. After the fact i found out XXXX  has had over XXXX k complaints against them in the past three years on the XXXX XXXX XXXX ive also told this to bank of america in my counter claim as well as for them to get in contact with XXXX and call the phone number of XXXX XXXX that was given to me in the confirmation email in the time of the ticket purchase because seemingly i can never get them on the phone. this banking institute is illiterate ; i have submitted my counter claim on XX/XX/2020 and have not received my funds back nor a response

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 2021-01-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX XXXX ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: WA

Complaint narrative:
I spoke to a lady i forgot her name but at the usbank branch and she would not give me help, and when i asked to speak to her superviser she cold transferred me to the closed fraud department.

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 2021-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to 4 bank of americas XXXX would not pick it the phone. Looking for account number checks deposited in 2013.

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 2021-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ralis Services Corporation
State: CA

Complaint narrative:
As a precursor to my and others problem, this is my current status. Im a XXXX YO woman with two pieces of real estate. Together worth aprox. $ XXXX. The debt on my primary residence is {$350000.00}. Value is $ XXXX On or about XX/XX/XXXX, I decided to refinance my residence and take advantage of the now low interest rates. CA is very expensive to live. Owning sent me an offer for a new lower mortgage of about 1.5 % less than my current loan of 3.75 %. I spoke with XXXX. I forwarded my financial backup. At that time I had excellent credit. After much trying there was no longer a response from owning. 
On or about XX/XX/XXXX I received a offer from XXXX XXXX. XXXX. Again I supplied backup, and again after much trying they disappeared. 
On or about XX/XX/XXXX and again receiving an office from XXXX, XXXX XXXX, XXXX. Sent backup, all was good and they disappeared ( yes same company. 
On or about XX/XX/XXXX I contacted interactive mortgage who was the company who initially gage me the loans for my two properties in XXXX. XXXX XXXX. XXXX. Who was absolutely certain that all my financial backup was fine. ultimately disappeared. 
Lastly on or about XX/XX/XXXX my neighbor gave me a name of a person she had just refinanced with XXXX XXXX. XXXX XXXX XXXX. XXXX. His response to date is the file is in the IT department where they are trying to fix the automated underwriting. That was XX/XX/XXXX and Ive contacted him twice since with no reply. 
A conversation with a real estate agent has confirmed that other people are having the same problem. I did possibly have a credit rating problem. XXXX XXXX ( Mortgage on my rental house ) who I asked in writing for forbearance, may have filed a missed payment on my credit, saying that they did not send an acceptance letter of the forebearance, but I never received a rejection letter either. As of today, my credit reports are fine, one good and one excellent. My thought on this is that XXXX who I have my residence mortgage does not want to exchange a 3.75 % mortgage to a 2.5 % or lower mortgage. Can you help with this. Something is definitely amiss. Thanks. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  XXXX ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED

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 2021-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
It doesn't matter that I entered into an agreement at the time. I was working full time. XXXX XXXX is closed cause of Covid making it impossible to get a job. You need to help your customers. It is not my fault I can not find a job because of the circumstances in XXXX XXXX

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 2021-01-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Up until this day, 47 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 47 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or will file for litigation due to the stress you caused me. My information was impacted by the XXXX  data breach and may have gotten into the hands of the wrong person. 

The Coronavirus Aid, Relief, and Economic Security ( ChChch ) Act, passed by Congress and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA , as Butler Snow previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ). 
Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue to be reporting it as current, unless the account was delinquent before the COVID-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/2020.

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 2021-01-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Up until this day, 47 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 47 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

The Coronavirus Aid, Relief, and Economic Security ( ChChch ) Act, passed by Congress and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA , as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ). 
Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue to be reporting it as current, unless the account was delinquent before the COVID-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/2020.

Company response to consumer: Closed with explanation