vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Performant Financial Corporation
State: TN

Complaint narrative:
The company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) has attempted to collect a debt from me that isn't mine. I have no knowledge of this debt. XXXX XXXX alleges that their office sent a collections letter XX/XX/XXXX informing me of the debt being placed with their office. I have not received any communication from this company prior to me contacting them with an affidavit of denial on XX/XX/XXXX explaining that i have no knowledge of the account and i have no contractual agreement with XXXX XXXX. I have also filed a complaint with the XXXX XXXX XXXX explaining the same thing and requesting that XXXX XXXX remove the account and stop reporting to the appropriate credit reporting agencies. XXXX XXXX has refused to cease collection attempts furthermore they have refuse to stop reporting to the credit reporting agencies and remove the accounts from my credit file. They have not shown me any documentation that i owe a debt to them or the original creditor that they mentioned in their response on XX/XX/XXXX. According to 15 U.S. Code 1692g they must validate the debt and show physical documentation. As stated before i have no knowledge of this account and i have been unable to obtain credit due to this situation. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
i opened a credit card with XXXX XXXX Bank about 2 yrs ago and when I tried to use the card, XXXX XXXX told me that the card that I had was cancelled and they sent a credit card to another address. They sent it to a person that is fradulent and has been using my information about about 2 years. I believe they live in the XXXX XXXX. I have sent the collections company the police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Last month my FICO score on Experian was XXXX. When I checked my Fico score in XXXX I saw it XXXX. I looked online on Experian site and it said I have 1 late payment ( 60+ days ). I requested my credit report and I requested my credit report and it shows that all my accounts are current and I have no late payments. I called Experian and they confirmed that I don't have any late payments. Representative I spoke with said he'll send an email to their technical department to look into it. Because it is clearly a computer error. 
Meanwhile today on Experian site my FICO score is already XXXX. 
I need to apply for a credit card for my business and this score is keeping me from it negatively affecting my business.

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 2019-03-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/18 I filed a complaint with the CFPB regarding the request for investigation I made with two credit bureaus, report # XXXX ( XXXX ) and XXXX ( EQ ). 

I received a response from the CFPB that despite multiple attempts on my part over the course of several months for Equifax and XXXX stalling that they would still be given another 90-days. Well guess what, today is day 90 and they have NOT responded or deleted the unverified information from my report. 

HOW ARE THEY ALLOWED TO DO THIS? I am again asking for your support in having this deleted. 

MAKE THEM COMPLY WITH THE LAW. I can't keep keeping up with this. I shouldn't have to. It's stressful and harming my score. If you can't make this happen what other government agency do I complain to? This is ridiculous at this point, they have not done a reasonable investigation nor complied in a timely manner!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc.
State: WV

Complaint narrative:
Today XX/XX/2019, XXXX XXXX XXXX ( XXXX XXXX XXXX ) left me a voicemail that I qualified for a {$8000.00} loan with 10 % APR, for 36 months with a $ XXXX monthly payment. That wasnt bad. I called back and the representative asked for my social security number in order to confirm my application which I did give him. He asked for my bank routing number since it was going to be a direct deposit loan. I actually did give him that. Then, he said that he would need my bank account login information ( username and password ) in order to get into my account. I was polite in refusing to yield to his request. He became rude and the tone of his voice increased, threatening that he wont give me the loan and I shouldnt call him back. Well, maam, {$8000.00} is a lot of money and I cant deposit it into your account without logging into your bank account, he said. I told him again politely that my login information should be my private thing. He told me not to call him again until Im ready to give him the information he needs. Call back tomorrow when you really need the money, he said and then ended the call. I was shocked and wondered how unprofessional this company was and decided to call again in order to ask if there were other options for me to get the loan. He picked up and said maam, if youre not ready to give me the login information, dont call this number again. He did hang up again for the second time. Few minutes later, I decided to call again and the company refused to answer. I called two more times. No answer. I came to a conclusion that XXXX XXXX XXXX is either a scam or it has a horrible customer service. Im still shocked. Also, this business is not same as PROSPER MARKETPLACE INC ( XXXX XXXX XXXX ) because I called PROSPER MARKETPLACE INC and was able to confirm the differences.

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 2019-03-12 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:
TransUnion reported me having 1 past due account. And they lowered my FICO tremendously compared to the last month. 
I requested my credit report and there is no late payments. 
I called TransUnion and representative confirmed that I don't have any delinquent accounts. 
When I told him about this problem he said he can't do anything about it. 
I need to apply for a credit card for my business and can not do it because of the unfairly lowered FICO score. It is affecting my business and 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 2019-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One took over the credit card program for Cabela 's in XX/XX/2018. They changed my account number and my due date before sending me a new card, which meant I was unable to access my account to pay on time. They then charged me a late payment fee and interest, removed the interest grace period and then started charging residual interest even when my account was paid in full. I have never had a late payment on this card until Capital One took over. It was Capital One 's poor handling of the transition that caused the late fees and interest, and when trying to remedy with Capital One, they were rude and condescending on top of it all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hello I try 4 times to dispute same account and credit bureaus didn't show me any evidence the i get that account or that account is my. thank you

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 2019-03-12 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: DISCOVER BANK
State: VA

Complaint narrative:
Charges upheld by my credit card company that I did not authorize or disputed : a charge from The XXXX XXXX for items that were not delivered to me, taken back by company, resold by company. I told this company that I would NEVER shop with them again. Charges made to the same company while I was held in XXXX ( no access to purse including, but not limited credit card & phone ... no computer access ). A lot of charges made while I was in the hospital with my mother after a XXXX. This company let this company get away with this even after making it almost impossible to use this card for everyday charges in the past for fear of fraud. They allowed these charges, not me, but want me to pay for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I lost my wallet on the train and someone found it and stole my identity. I didn't know about the incident for a few months. I didn't really find out what was going on until I started receiving phone calls from XXXX XXXX  's collection agency. I spoke to the collection agency and told them I had no knowledge of the debt and went to the police dept. and filed a report. I also notified the credit bureaus and disputed the items and attached police reports. The credit bureaus placed fraud alerts but did nothing about the accounts that were opened up in my name. I called XXXX XXXX fraud dept today, spoke to a woman named XXXX and asked if they recived the police report about the fraudulent XXXX XXXX acct. that was opened in my name. The woman proceeded to tell me that XXXX XXXX  fraud investigation decided that the acct. wasn't fraudulent because I took too long to report it. She also stated that a police report means nothing because anyone could file a police report and it could be bogus. She stated that I was on the hook for the charges because they didn't believe it was fraud. The amount owed on the fraudulent acct. is around {$300.00}. The credit bureaus continue to report the charged off account and my credit score is trashed because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
i have over 30 medical accounts reporting on my credit report that i have no idea about and i tried and tried to dispute these account with the 3 bureas they will take 1 or 2 off my credit report instead the resart the 7 years over by re open the account,,,, Here are the accounts ... XXXX XXXX XXXX account balance XXXX.. XXXX XXXX  XXXX balance $ XXXX XXXX..balance $ XXXX..XXXX XXXXXXXX XXXX balance.. $ XXXX..XXXX XXXX XXXX.. balance $ XXXX..XXXX XXXX XXXX ... balance {$61.00} ... XXXX XXXXl XXXX.. {$58.00} ... XXXX XXXX XXXX balance {$140.00} ... XXXX XXXX XXXX ... balace $ XXXX XXXX XXXX ... balance {$61.00} ... XXXX XXXX XXXX ... balance {$77.00} ... XXXX XXXX ... balance ... {$58.00} ... XXXX XXXX XXXX ... balance {$140.00} ... XXXX XXXX ... balance {$110.00} ... XXXX XXXX ... balance {$210.00} ... XXXX  XXXX ... XXXX XXXX ... XXXX XXXX ... balance.. $ XXXX..XXXX XXXX ... balance {$110.00} .... XXXX XXXX ... balance {$240.00} ... XXXX XXXX XXXX ... balance ... {$650.00} ... XXXX ... balance {$750.00} ... XXXX ... balance XXXX ... XXXX XXXX ... balance {$57.00} ... .XXXX XXXX ... balance {$170.00} ... XXXX ... balance {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello I try 4 times to dispute same account and credit bureaus didn't show me any evidence the i get that account or that account is my. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello I try 4 times to dispute same account and credit bureaus didn't show me any evidence the i get that account or that account is my. thank you

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 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After working with a lender and attempting to purchase a home, I noticed there are numerous items on my credit reports that do not belong to me. XXXX in the amount of {$13000.00}, XXXX XXXX XXXX in the amount of {$700.00} and XXXX XXXX XXXX  XXXX in the amount of {$300.00} were not originated by me and per FCRA guidelines need to be removed. I also noticed my address is reporting as XXXX XXXX XXXX, XXXX Virginia XXXX and it should be XXXX XXXX XXXX XXXX, XXXX NC 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 2019-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
- XX/XX/XXXX : Applied for HSBC Premier Checking account with the promotion to earn {$750.00} bonus by depositing $ XXXX and keep for 90 days. The terms stipulates the $ XXXX can be a combined balance of checking/saving/investment balance - XX/XX/XXXX : HSBC Premier Checking account approved. 
- XX/XX/XXXX : HSBC Direct Saving account opened - XX/XX/XXXX : Deposited $ XXXX into Premier checking account - XX/XX/XXXX : Transffered $ XXXX from checking account to saving account - XX/XX/XXXX : 90 days requirement has been met, but no bonus amount has been posted - XX/XX/XXXX : Checking account no longer appears online. Did online chat with HSBC agent, and was told the account was closed by the bank for {$0.00} balance. I inquired about the {$750.00} bonus as I have met all the terms required. Agent responded that since the checking account got closed, they will not provide the {$750.00} bonus. 
- Also called them on the phone, and was again told there is nothing they could do. 
- The terms of the promotion only specified that the combined balance of checking/saving/investment need to be $ XXXX or more for 90 days, which was clearly met. The bank can not simply close my checking account and refuse to pay me the {$750.00} bonus originally promised

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I sent out a validation letter on XX/XX/XXXX Convergent received the letter XX/XX/XXXX. I have been trying to validate this debt with Convergent Collection Company asking to Validate this XXXX debt account # XXXX they claim is mine. In my Affidavit to Convergent I asked to send me a wet Ink copy of a sign agreement naming XXXX XXXX as the owner of this debt. I also asked Convergent Collection to send me a copy of the Bill of Sale to show they have the right to collect this debt naming XXXX XXXX which gives Convergent the right to collect this Debt. 

I also stated in my Affidavit that if Convergent has first hand knowledge of this debt they should be able to product these documents. Convergent sent be a copy of a bill with a letter. The FTC states a copy of a bill does not validate a debt. IIn Addition if you do not have a bill of sale naming the person owning this debt you have No Right collecting on this debt. There are some inaccuracies and Red Flag with this debt. Convergent admit some inaccuracies in their letter, but continues to report this debt and damage our abilities to secure a loan. Convergent in their letter stated " their company has not sufficient time to complete an investigation into the inaccuracy and a corrected copy ''. Under the FDCPA they have 30 days to verify this debt again there are some serious red flags with this debt. In closing they have not proved the debt is mine, they have not completed the dispute process in the 30 days. They have admitted to inaccuracies, but continues to report this debt as accurate. Please help!!

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 2019-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: HI

Complaint narrative:
Subject : FAILURE TO PROPERLY SERVICE MORTGAGE ACCOUNT Ditech Holdings : Bankruptcy Case XXXX - Ditech Holdings ACCT NO. XXXX XXXX XXXX Mortgage : XXXX XXXX XXXX XXXX, Unit XXXX, XXXX, HI XXXX To Whom It May Concern : Over the past 6 weeks I have faxed several written requests to your customer service fax number filing a formal power of attorney notice for the subject property and requesting a copy of the appraisal associated with the mortgage. To date, I have not received the appraisal. 
Additionally, I have made several calls to your mortgage servicing phone number ( located in the XXXX and staffed by foreign nationals ) and have had a horrific experience. The wait time to speak to someone was never less than 30 minutes. I had to lead the service rep step by step through the Power of Attorney document that I had filed with you to ensure my contact information was updated to even get them to speak with me, even though the POA had been submitted weeks before. On two occasions the phone line went dead shortly after it was answered. In two instances I was assured that the documents would be emailed to me and they were not. In one instance, I insisted that the foreign rep connect me with a knowledgeable U.S. Ditech staff member to assist me. After assuring me that the call would be transferred to a U.S. staffer, I spent another 10 minutes holding on a silent line before hanging up. 

Please send me an electronic copy of the appraisal associated with this mortgage with out further delay. Send it to : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, HI XXXX SSN XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
After working with a lender and attempting to purchase a home, I noticed there are numerous items on my credit reports that do not belong to me. XXXX in the amount of {$13000.00}, XXXX XXXX County in the amount of {$700.00} and XXXX XXXX XXXX XXXX in the amount of {$300.00} were not originated by me and per FCRA guidelines need to be removed. I also noticed my address is reporting as XXXX XXXX XXXX, XXXX Virginia XXXX and it should be XXXX XXXX XXXX XXXX., XXXX NC XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
After working with a lender and attempting to purchase a home, I noticed there are numerous items on my credit reports that do not belong to me. XXXX in the amount of {$13000.00}, XXXX XXXX XXXX in the amount of {$700.00} and XXXX XXXX XXXX XXXX in the amount of {$300.00} were not originated by me and per FCRA guidelines need to be removed. I also noticed my address is reporting as XXXX XXXX XXXX, XXXX XXXX XXXX and it should be 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 non-monetary relief