vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This company sent a letter claiming that they verified a debt, they are claiming I owe. They failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. ( see attached copies of what they sent ). 

The entry of this debt they claim I owe on my credit report is very confusing, Account type shows Unknown - credit extension, review, or collection along with payment status, XXXX  showing a collection/chargeoff and XXXX  showing late 120 days? And the last reported dates? Nothing makes sense of this entry. 

The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. 

I have attached both what they sent to me and the entry of this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America provided me with a 0 % balance transfer offer as long as I made the minimum payments ; even while making the minimum payments, I was still charged interest on a monthly basis. I filed a complaint against BOA before and the refunded my interest payments, but continued this deceptive practice. The total interest I was charged was {$14.00} plus an additional {$160.00} in fees.

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 2019-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
THIS IS A LEGAL NOTICE AND WILL BE USED AS EVIDENCE IN A COURT OF LAW On or about XX/XX/XXXX Navy Federal Credit Union repossessed my 2013 XXXX XXXX without providing my right to Due Process nor having cause to repossess my automobile. 
In the year XXXX I requested transactional information of our auto loan agreement. To date Navy Federal Credit Union has not provided the information I have requested. Due to the fact that Navy Federal Credit Union either refused or failed to provide the essential transactional information I requested I informed Navy Federal Credit Union that I would cease to remit any payments to Navy Federal Credit Union as I was not sure and had doubts of the accuracy of the information of the auto loan agreement we signed. 
On several occasions in XXXX and XXXX Navy Federal Credit Union contacted me about payment to my auto loan agreement. I never informed Navy Federal Credit Union that I refused or did not want to pay, I merely informed Navy Federal Credit Union that I would make payments upon receiving the transactional information I requested to ensure I was making the correct payments and in accordance with the agreement. I informed Navy Federal Credit Union that there was an error in my auto loan agreement and that I wanted to review the information first before making payments. Navy Federal Credit Union refused to provide the information. 
Today, XX/XX/XXXX, without notice to me that Navy Federal Credit Union would take my automobile nor a Warrant issued by a Court of Law was presented to me as the Authority to take my automobile. Navy Federal Credit Union took my automobile without my knowledge consent nor authority to take the automobile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: HW Holding, Inc
State: SC

Complaint narrative:
I have sent certified letters to the credit bureaus via mail time and time again requesting this false information be removed from my credit report as they are not able to be validated under the appropriate guidelines. I sent a certified letter on XX/XX/2019 requesting validation of the debt directly from Hunter Warfield to be provided and 30 days to respond to the validation request. I Received a letter from Hunter Warfield dated XX/XX/2019, where they acknowledged the receipt of my dispute a request for verification. They advised that they had not duty to comply with verification demands. I never requested verification, I requested validation including original signed contracts proving my contractual obligation to Hunter Warfield and/or a complete statement of account as required by law to be considered full and completed validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Attempted to dispute a duplicate collection account on credit report. Online dispute does not list this as an option on their site so tried account closed. Report stated all information was correct. Attempted to call to verify results, unable to talk to a person. No menu options lead to dispute or customer service representative. When you don't select an option it hangs up on you. Was able to reach XXXX and XXXX to resolve problem. Not able to reach anyone at Experian to correct this.

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 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I recently checked my credit reports and there is a collection account showing on my credit reports for a company called Convergent Outsourcing. The original account holder is XXXX and in the amount of {$720.00}. This alleged account does not belong to me and is causing negative information to be reported. I've already reached out to XXXX and they advised me to reach out to Convergent Outsourcing to have the negative information disputed and removed. I have disputed the Convergent Outsourcing collection account with all 3 credit bereaus and they refuse to remove the alleged debt. At this point I would just like it to be removed so that I may be able to acquire new credit and build a positive portfolio.

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 2019-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2019 my secured credit card was closed unknowingly to my knowledge. My credit card was only behind 2 months. This is a card that I use for everything that a credit card is required for. I was without a job and I called them last month in XXXX and informed them that I am aware that my payment is behind but I have great news I am starting a job soon and will be able to pay my card bill. My secured credit card amount is only {$400.00} and they closed my account after 2 months of missed payment. My card is with Citibank XXXX XXXX XXXX Credit Card. Note, XXXX also accepted my payment and I was not aware that they closed my account. I think that this is unfair and I really need this card. I am trying to maintain my credit and this sets my credit back, big time! Could you please help me with this.

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 2019-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I owed XXXX money and when I found out I paid them. I have not once even spoken to convergent outsourcing about this yet they say I owe them money and then update it to I dont owe them money. I have never signed one contract with them. I have sent 100s of validation letters and they never respond! My issue has always been settled with the original person yet they fraudulently report it. They really need to read and understand the laws surrounding this. They are an illegal company preaching illegal tactics

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 2019-06-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I filed a complaint with the Federal Reserve over a month ago regarding Wells Fargo fraudulently renewing a Time Account without my permission and then not allowing me to close it without penalty AND fraudulently locking me into a credit card scam with enormous interest rate without my knowledge or permission. The Federal Reserve submitted my complaint to you, CFPB Complaint # XXXX. I received a letter from Wells stating they would release over {$6000.00} from the XXXX Account without penalty. But they did not release the funds. SUDDENLY, they closed account and the money from the account over {$6000.00} is missing. No one at Wells has taken responsibility as to WHERE the funds are. I wrote you, CFPB again regarding this issue, and now Wells is claiming to need over 60 days to find my funds. This is OUTRAGEOUS. I am being bamboozled for closing my account with this bank for fraudulent practices. 
I have contacted the Federal Reserves again and both my Senators. Wells remove my funds and then claim they don't know where they are. I need this issue to be resolved in 7 -14 business days. Allowing them 60 days to find ways to retain my funds is ridiculous.

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 2019-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2019, I reported to Chase Bank that two fraudulent transactions occurred that day on my debit card. The card had been issued within the prior 2 weeks as a replacement for a card that was expiring. The claim number for the fraudulent transaction that Chase refuses to resolve appropriately is XXXX. This was supposedly researched by Chase Bank who indicated that they found that the transaction was " processed correctly or was authorized ''. I received notification of this decision via a later dated XX/XX/2019. I called Chase Bank at XXXX on XX/XX/2019 at XXXX XXXX   and spoke with XXXX until XXXX at which time the call was escalated to XXXX. At XXXX I requested further escalation, which was denied. Last names were never provided by either customer service agent. I requested that the " verification '' obtained be provided to me and was told that they can not email or fax the verification. I was told verbally that the transaction was mailed to a XXXX XXXX   in XXXX, CA which is someone I've never met. I was given a USPS shipping number of XXXX, which confirms delivery in XXXX, CA which is approximately 1,000 miles from my home. I asked XXXX how this " verifies '' that I made the purchase and she informed me that it is my responsibility to prove that it wasn't mine. She repeatedly refused to escalate my call to a superior and indicated that she will not refund my money. As such I am requesting assistance from Federal resources tasked with supervising banking activities. Given the unwillingness of Chase Bank to properly address this issue, I am requesting maximal penalties be levied against the bank and a demand notification be sent to the bank for reimbursement of my fraudulently debited resources as well as punitive damages as seen fit. Copies of this request are being transmitted to CFPB, FTC, as well as XXXX XXXX, president of Chase Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-22 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Account is up to date and payment missed was due to forgetting to make the payment, on the date of the payment more than enough money was in the bank to make the payment. I have attached a photo showing the account is not past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
They've called me 3 times today & I'm currently only one day late on my payment. This is harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: GA

Complaint narrative:
Mr. XXXX is the victim of identity theft/fraud resulting from XXXX Dept of Social Services and 42 U.S.C. 654 ( 3 ) or ( " Child Support Enforcement '' ) misappropriated his good name, likeness, image and biographical facts in order to achieve federal funding. The defacto agency unlawfully obtained and used his confidential and personal information in making a fraudulent account '' XXXX ''. ( " Child Support Enforcement '' ) and XXXX Law Dept or Corporation Counsel admonition before United States District Courts, willfully and wrongfully entered default judgment ; while Mr. XXXX was in the XXXX XXXX in violation of SSCRA Act. XXXX Support Collection Unit Supervisor XXXX XXXX, Collection Representatives Mrs. XXXX and XXXX XXXX, conducted an intrusive investigation into facts, through discovery affirmed XXXX Unified Court System ; Family Court of XXXX XXXX and Hearing Examiner ( Surrogate Judge ) XXXX XXXX XXXX filed a false petition, resulting in violation of SSCRA protected member rights and cause of damages to date. Experian negligentlyviolatedboth 1681e ( b ) and 1681iInaccurate credit reportsdirectlyimpair my banking and credit ; 1681g and 1681e ( b ) in violationsof Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) not permanently remove the fraudulent 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 2019-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
- I opened an account in or aroundXX/XX/2018 

- HSBC offered a welcome bonus to open an account at that time. 

- I met all the conditions of that offer and HSBC is refusing credit the bonus stating that I did not apply under that offer.

- HSBC made multiple errors during the account opening process ( and took more than 2 weeks to even open the account )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX {$1900.00} These were reinserted on my credit report after being deleated. I was NOT notified that they were reinserted, if not removed I will hire an attorney because of improper reinsertion of FCRA rules. 

I have attached before and after credit report showing it was deleated and has now been reinserted without notice. 

Equifax keeps messing with my credit again, reinserting things that have been gone for a couple years reappear then are deleated again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have explained that this debt was incurred due to identity theft however collection activities have continued on this account. I have filed bankruptcy and claimed the debt under the bankruptcy as well. This account has been sold by Jefferson Systems twice according to two different representatives I spoke to from their company on Friday XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
experian, XXXX  and XXXX completed investigations of 5 school loan accounts that are negative, credit destroying accounts.I disputed them as not mine.they are not mine ;, all 3 investigation  summaries are attached.experian came back certified that they are mine.both XXXX  and XXXX verified that they are mine.THEY ARE NOT MINE! 
EITHER IT IS ID THEFT OR MORE LIKELY THE " UNEDUCATED '' DEPT OF EDUCATION 'S FAULT.I CALLED THEM AND THEY REFERRED ME TO THEIR COLLECTOR SAYING THEY HAVE NO INFORMATION.I UNDERSTAND I CAN SUE THE CREDIT BUREAUS FOR KEEPING FALSE INFORMATION ON MY REPORT AFTER INVESTIGATION WHICH I MAY PURSUE. 
I have attached the investigation paperwork from 31 days ago. 
I want them suppressed immediately, then permanently removed from my credit files and history.The community service Police of XXXX XXXX will be at my house shortly to take a police report and investigate.

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 2019-06-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased services through XXXX from a merchant on XX/XX/2019 using my Citibank credit card in the total amount of {$4100.00}. The cost of the service was {$4000.00} and XXXX charged a {$110.00} fee. The merchant was unable to fulfill the services so I opened a dispute with Citibank on XX/XX/2019. I sent in documentation proving the merchant did not fulfill services and blocked me from communication, but Citibank stated there was nothing they could do even though I provided proof.

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 2019-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
I have written to ARStrat on several occasions, as well as Creditor XXXX  XXXX XXXX Account XXXX. ( 1 ) giving proof this is not my debt. ( 2 ) as per divorce decree, daughter 's medical is responsibility of EX husband. ( 3 ) I eventually paid the debt since the company refused all attempts and proof otherwise. Attached is my returned check. Enclosed is my payment. Attached is Court ordered and approved ex husband was to pay medical for daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: MA

Complaint narrative:
We have been a member of the Discover credit card company since XXXX and have never had a late charge payment. We have a XXXX line of credit with them which has never been used. Yesterday we were notified of a late fee of {$27.00} and an interest fee of {$5.00} based on a claim that the company did not receive our last payment of {$310.00} which we sent on XX/XX/XXXX ahead of schedule. 
We received a phone call notifying us of a non-receipt of payment for the above on, XX/XX/XXXX and a new bill showing the charges on the following day, XX/XX/XXXX. During the phone call we repaid the bill plus charges from our bank account to settle the dispute. Why did Discover wait nearly a month to inform us of the non- payment when obviously they knew about it earlier? 

During the call we reviewed our 27 year history of prompt payments, offered a carbon copy of the paid check and relayed the information that the handful of bills sent at the same time were received. 
Could it be that Discover was trying to eliminate us because of low volume of activity in our later years and the nuisance of using the mail? 

Attached please find a copy of the original paid bill, a carbon copy of the payment check and a copy of the new bill. 

Thank you in advance for your help.

Company response to consumer: Closed with monetary relief