vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: A.R.M. Solutions, Inc.
State: FL

Complaint narrative:
I had a subscription to local newspaper, XXXX XXXX, for weekends only. When it expired they sent me an invoice to renew the subscription which I no longer wanted. I tried to call repeatedly, but was unable to speak to anyone. I did not pay, expecting them to discontinue service. I did not want to receive paper any longer. Instead of discontinuing paper delivery they continued to send the paper and have forwarded me to collections company, ARM Solutions. I tried calling the XXXX XXXX once again to no avail. 

On XX/XX/2020, I sent a letter to ARM and XXXX XXXX explaining the " MISUNDERSTANDING ''. Apparently the letter was ignored and they continue to send me letters. 

Is this legal? I feel they are trying to force me into paying for something I did not request or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
According to the Fair Credit Section 609 ( a ) ( 1 ) ( a ) you are required by Federal Law to verify through the physical verification of the original consumer contraction all and any account you post and credit report. 
I am demanding validation made pursuant to the Fair Debt Collection Practices Act and The Fair Credit Reporting Act along with the corresponding local and state laws. Note that I am requesting validation that is competent evidence bearing my signature showing that I have ever had an obligation to pay you. 
Please also be aware that any negative mark found on my credit report from your company or any company that represent for debt that I do not owe is a violation of the FCRA FDCPA therefore, if you can not validate the debt, you must remove. 
Pending the outcome of my investigation of any evidence you submit you are instructed to take no action that could be detrimental to my credit report. Failure to respond within 30 days of receipt of this letter may result in legal action against your company or XXXX dollars in damage per violation for : Defamation Negligent Enhancement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Sec 807-808 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Sec 623 ) Please be aware that depending upon your response, I may be detailing any potential issue with your company via online public press, including any documentation of any small claim action. I am also sending a copy of my complaint to the Consumer Finance Inspection Bureau. 

Credence Resource Management XXXX XXXX XXXX XXXX XXXX Debt XXXX Credence Resource Management XXXX XXXX  XXXX XXXX XXXX MI  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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 requested documents for verification from Convergent Outsourcing ( a third party debt collector ) to validify an alleged debt. I received documents from Convergent Outsourcing and the very first document stated that I did owe the debt. According 15 USC 1692b ( 2 ), that is a violation of the FCRA. I also notice on one of the documents that I later received that the alleged debt is associated with an address that I have never lived at. I have currently sent a dispute to the third part debt collection agency via certified mail and I'm currently waiting on a response. The documents ( Affidavit of Truth and invoice ) were received by the company on XX/XX/2021.

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 2021-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This delinquent account record is inaccurate because I dont recall making a payment late. Under the Fair Credit Reporting Act, I have the right to request method of verification of the creditor reporting the late payment. I request proof that I am indeed the party you are reporting the late payment for from the creditor validating the evidence of this late payment reporting. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
GM FINANCIAL XXXX Opened XXXX. XXXX, 2017 Balance {$4100.00} As a consumer, I have rights that are granted to me to protect me from misinformation being submitted on my own credit report. At this time I wanted to set up a last demand for assessment before I talk with my lawyer for advice on how to deal with inaccurate and unverifiable items that are ongoing to be approved as genuine. You need to deliver me with a copy with the contract agreed upon or voice dialogue where I granted billing me from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
Every week day for the past 2 week these people have been calling me every morning telling me they're collecting a debt for HRRG, but they call from a different phone number EVERYTIME and tell me to call this toll free number to get back to them. They won't tell me who the debt is for, they just state they need my credit info so they can take out what's owed but even then they won't tell me how much so I've stopped communicating with them. I reached out to everyone who I could possibly think of that might have submitted this debt and was told everything was fine. I just want these phone calls to stop.

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 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have Mr. Cooper mortgage for years now. On XXXX XXXX XXXX I made an additional payment of $ XXXX towards my principal. More than 4 days - it's not reflected in the Amortization schedule ( Amortization schedule is not even visible ). 
Even after so many additional principal payments, Payoff calculator is way off and it still shows XXXX maturity date while it should start showing something likeXX/XX/XXXX/XX/XX/XXXXas the initial date. 
There are lots of discrepancies on their website to reflect the balance and total. 

When called customer service on Friday and also chatted - i was assured of fixing this - but no fix till this point of time. Customer service there is a long wait. Auto bot doesn't let customers talk to the real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I requested dispute notes on my credit report be removed verbally and by written request, but the disputes have not been removed. I no longer dispute the late payments and need the dispute notes removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
XX/XX/2017 I applied for a borrowers defense application due to unlawful practices of Attending XXXX. The communication actually came from the Department of Education in the form of a civil suit concerning the school so i filled out the necessary paperwork on the loans to be included in the suit. The application number is # XXXX and at the time the servicer was Navient. The loans were supposed to be placed in a forbearance with Navient at this time. Instead they released servicing a year later and were reporting the loans as delinquent prompting them to go to a collections agency XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. I have done several conference calls with each of these servicers for someone to back date my loans and clear the negative reporting on my credit reports and noone is willing to fix their mistake and are demanding repayment on the loans. The 13 loans under review or in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these loans recalled from the collections agency and all negative reporting removed from my credit report in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I received an email from Wells Fargo Home Mortgage informing me that my home mortgage loan was being transferred to XXXX XXXX XXXX. The email from WFHM claimed that it was a follow up email, even though I had NOT received any previous correspondence from WFHM that my mortgage loan was being transferred prior to XX/XX/XXXX, nor have I received any information about the transfer from either WFHM or from Specialized Loan Servicing since XX/XX/XXXX. As there has been no follow up info, I don't even know for certain if my loan was transferred to XXXX XXXX XXXX. My mortgage is due on the XXXX of each month, with a grace period up to the XXXX of each month. I went to pay my mortgage on WFHM website on XXXX, but they would not allow me to pay. I sent them an email and still have not received a response. I've contacted XXXX XXXX XXXX and have not received a response.This situation is absolutely ridiculous. I have received no info about the transfer of my mortgage loan and I am unable to make a payment. As has been demonstrated with multiple complaints against Wells Fargo Home Mortgage, I already am more than aware that they are a corrupt and dishonest company. Once more I have been forced to file a complaint because of their dishonesty and incompetence.

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 2021-02-08 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I reviewed a copy of my credit report and found the following item to be an error. See the attached copy of my credit report. The error has been highlighted. Here as follows is the item in error : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Remove following account from my XXXX  Credit Report Collection Agency : National Credit Adjusters Original Creditor : XXXX XXXX  Balance : {$880.00} Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I was recently a victim of consumer fraud, and I have been unable to get any relief from the consumer credit company, TD Bank/TD card Services. I am a customer of XXXX XXXX XXXX and have an established credit account ( recently closed ) with TD Bank who finances the transactions for them. 

In XXXX of 2020 I received a bill from TD Bank for {$1700.00} for merchandise purchased from XXXX XXXX in XXXX, SC on XX/XX/2020 ( invoice attached ). Note that I have never patronized the XXXX location because I live in XXXX and have only shopped at the XXXX store. 

Someone impersonating me with my identification information fraudulently purchased merchandise using my credit account. They signed the receipt and drove off with the merchandise. I have subsequently formally disputed the charge on 2 occasions and have provided to them all required information and forms to TD Bank, all attached. I have also filed a police report with the XXXX, SC Sheriff, Case number available upon request. Unfortunately, this type of petty crime often receives little attention. 

I visited the XXXX XXXX store in XXXX, SC, and interviewed the salesman, XXXX XXXX, who worked with the impersonator. He acknowledged that I was not the person he worked with. Because I have a strong suspicion of who might have knowledge of my personal information and who would be able to successfully impersonate me, I showed XXXX a picture of my sister. He positively identified her with 80 % certainty as the person who he worked with on the transaction. 

Both TD Bank and the XXXX police have all of this information. Yet, TD Bank, XXXX XXXX in their Fraud Department XXXX, insists that I am still responsible for the transaction because a signature was written on the bottom of the receipt/invoice attached. The signature is not mine, and it bears no resemblance to my signature that both TD Bank and XXXX XXXX should have on file. 

Can you please help me with my dispute of the {$1700.00} charge? I clearly did not purchase the merchandise and did not sign for it, Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2021-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Terrill Outsourcing Group
State: FL

Complaint narrative:
Superlative RM www.superlativerm.com contacted me on XXXX/XXXX/2021. Demanded payment and asked me to borrow money from relatives in order to pay a debt that I had no idea I had. Provided names of my family members and vehicles I owned. Then after I stated I did not have {$6000.00} dollars handy to pay the debt, they proceeded to call my ex-husband and then called my ex-husbands wife in order to pay the debt as well. 

I just received my first written notice of debt on XXXX dated XXXX/XXXX/2021. 

They continue to call my family attempting to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This delinquent account record is inaccurate because I dont recall making a payment late. Under the Fair Credit Reporting Act, I have the right to request method of verification of the creditor reporting the late payment. I request proof that I am indeed the party you are reporting the late payment for from the creditor validating the evidence of this late payment reporting. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.

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