vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 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: Convergent Resources, Inc.
State: MI

Complaint narrative:
I have two accounts that do not belong to me on my XXXX credit report ; Convergent Outsourcing , Inc and XXXX XXXX XXXX. I filed a dispute with XXXX  and received a response on XX/XX/2017 that the accounts were " verified and updated ''. I filed a second dispute with XXXX  as well as contacted Convergent Outsourcing multiple times by phone and mail requesting validation and physical proof that the debt is mine. Convergent sent me a letter on XX/XX/2017 stating " we have completed our investigation and reported our findings to the credit agency ''. They did not give me the results or proof. XXXX responded with the account has been " verified and updated '' and stated they would not investigate these matters anymore unless I provided documentation. How am I supposed to provide documentation that an account doesnt belong to me? So, I am stuck with damaging inaccurate information on my credit report and no recourse except litigation. Now Convergent Outsourcing has listed ANOTHER fake account on my credit report ( not XXXX ). I am hoping to resolve the matter through the CFPB rather than a FCRA attorney. Any help you can provide would be appreciated.

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 2020-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX my Checking account with Bank of America account # XXXX was closed due to a check that was deposited in the amount of {$4600.00} which they felt at the time would not clear however after further investigation they could not find anything in regards to the check being fraudulent therefore the amount of {$4500.00} was released on XX/XX/XXXX to a special account with Bank of America which there after a letter shouldve been send out to me in regards to unclaimed property giving me the opportunity to claim These funds however when contacting the company Im givin nothing but the runaround and no information as to how to access the money or when I will receive it so I am in hopes that contacting you I will get elsewhere

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 2020-03-30 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: TX

Complaint narrative:
ftc violations on all 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 2020-03-30 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: TX

Complaint narrative:
ftc violations on all XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have contacted PenFed several times due to issues with my account e.g.Complaint ID : XXXX and Complaint ID Number XXXX, FTC # XXXX ... I mailed Pentagon Federal Credit Union, XXXX XXXX XXXX, XXXX, NE XXXX, and called XXXX and emailed XXXX requesting for my account to be dissolved in case of XXXX  XXXX and accounts removed from my report. PenFed did not provide a decision/ response to my request for debt forgiveness due to 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 2020-03-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are erroneous inquiries that I did not authorize on my Equifax credit report. I filed a police report, put a freeze on my Equifax report and a statement of fraud on my report. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. According to the Fair Credit Reporting Act these inquiries are to be deleted immediately and you have failed to do so. Thank you A police report was filed, a fraud alert place on my credit report, and a case created with XXXX. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. According to the Fair Credit Reporting Act these inquiries are to be deleted immediately and you have failed to do so. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
This is our third complaint against this company SPS. We secured an FHA mortgage from XXXX in XXXX. The company states that it is not now, nor was it ever an FHA Mortgage although all of the existing information including the original foreclosure documents state FHA. This information was filed by their original lawyer. Please request documents and I can forward to you because it has our personal information and the address. The documents filed by their Attorney and filed by certification for their attorney States that they are Attorney for the Plaintiff and further certifies that in said matter that the premises are not subject to Act 91 because it is, and there are 4 choices an FHA Mortgage, Non owner occupied, vacant, Act 91procedures have been fulfilled. The Lawyer clearly checked FHA Mortgage. It further states that this certification is made subject to the penalties of 18 PS C.S.  Section 4904relating to unsworn falsification to authorities. signed on the XXXX of XX/XX/XXXX. We submitted further evidence of HUD Form 9539 Request for Occupied Conveyance which was sent to our home and was dated for XX/XX/XXXX. This conveyance listed our property address with the FHA/HUD Case Number and goes on to explain that the House was in Foreclosure and would be transferred to XXXX XXXX but before XXXX XXXX conveys property back to HUD that the occupants would be able to reside in the property and we just needed to send all of our information to the lawyer and further listed HUD 's occupied conveyance procedures Even with all this as evidence, the lawyer continued to deny that the Mortgage was HUD. On the last complaint we requested a Qualified Written Complaint to identify where all the fees were coming from but SPS never sent that. In addition, prior to SPS serving our loan we were approved for a Modification from XXXX which was not honored when the Serving went to SPS. Under SPS we were consistently denied a modification and once we received our last documents with the assistance of our lawyer they continued to deny us. Under the current modification agreement, their current lawyer tells us that we are not allowed to negotiate and SPS refuses to answer the questions we posed to them about the modification. Even our Housing Counselor could not get answers to where the fees were coming from and what type of modification we obtained. They further sent information about them having followed procedures to continue to foreclose if we did not sign and return documents that we don't understand. We are happy to obtain a modification. It for 15 years but at the end we will still owe {$170000.00} balloon payment after paying XXXX and the house only cost XXXX and when we stopped paying we only had XXXX left. Please help us get some answers so that we are not bullied by this lawyer or SPS.

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 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2020 I have called several times to get access to my report, i have also mailed in disputes from other reports from other sites. I mailed my identification and i still have not gotten access to my reports online via their Direct websites. I am also unable to dispute items because of 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 2020-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
My father, XXXX XXXX, ( over whose finance I have power of attorney ) has a Flexible Premium annuity that he opened years ago with USAA. Policy number # XXXX. My father called and asked what the taxable liability was on the policy in XXXX and was told roughy XXXX was the taxable liability. The interest on the account was taxable. I asked USAA to transfer XXXX from this annuity to his checking account. USAA never did this even after after my father and I both reached out to them several times. At the end of XXXX ( XX/XX/XXXX ), I sent a transfer of ownership request via US mail to USAA which was received by them on XX/XX/XXXX. In XXXX, my father called USAA to inquire why the transfer was not made and was told they were too busy to process the transfer and it would be done soon. Called again in late XXXX, and was told again it was in process. In late XXXX, I received a 1099 form showing a withdrawal of XXXX. I called USAA to inquire why I received this when the money should have been taken out of taxable interest, not principal. USAA responded it was taken out of principal accidentally. USAA now maintains that there is a major ax liability on this policy. The XXXX was taken out of principal not interest mistakenly. My father has called many times and has not been allowed to speak with a supervisor. They will not discuss the matter with me and they have held me on the phone for 30 to 45 minutes while my case was discussed. They still have not transferred ownership to me ( his daughter ) nor they have clarified why they applied the withdrawal to principal rather than interest. They claim they have conducted 3 audits and have offered no explanation. Their attitude has been adversarial. While they claimed to have fixed the mistake there are two secondary effects of this. First, my father wanted to transfer this money to me in Florida where the income tax is lower, so he is now left with a larger tax liability since he has moved to New Jersey. Second, my father has spent countless days and a lot of worry trying to get USAA to fix this problem with zero help. He feels emotionally drained and cheated when this is a company that is supposed to be helping veterans like him. Never once has USAA apologized. Please help me help my father hold USAA accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: NC

Complaint narrative:
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. Reached out to Credit reporting agency and companies, and having able to get any assistance in getting the account removed.

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 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I called in today regarding fraudulent recurring charges on my account. I'd previously raised a dispute over the charges online, and those charges were reversed. However, Chase did not block those charges from being made to my account again in the future as I had originally requested. I called in to dispute the new charges and to close the account. After a wait time of over 3 hours, I was told that they aren't able to close the account because the charges are being disputed - we'll need to wait until after the charges are reversed, and then I would need to call in again to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
FedLoanServicing is deliberately misleading borrowers enrolled in the Public Service Loan Forgiveness program about the relief benefits they can take advantage of through the CARES Act. This is not OK. Please fix by having myfedloan.org make a corrective statement on their website. Thank you. 

On XX/XX/2020, FedLoanServicing has incorrect information on their website because it provides a false interpretation of the CARES Act ( Sec 4513 ( c ) ) by stating " Special Considerations for Borrowers Pursuing Public Service Loan Forgiveness or Loan Forgiveness Through an Income-Driven Repayment ( IDR ) Plan : The time spent on the emergency administrative forbearance will not count toward your required payment count. '' ( https : //myfedloan.org/borrowers/covid ) The CARES Act in Section 4513 ( c ) states the complete opposite of what MyFedLoan.org states : "  Consideration Of Payments.The Secretary shall deem each month for which a loan payment was suspended under this section as if the borrower of the loan had made a payment for the purpose of any loan forgiveness program authorized under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ) for which the borrower would have otherwise qualified. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
on XX/XX/XXXX amazon store card through synchrony bank, withdrew a payment from one of my accounts for XXXX, which was the full balance on my amazon card. I didnt wish to or choose to pay my balance in full, only pay a standard payment of {$100.00} dollars. I contacted them and they refused to admit any fault on their part or help in any satisfactory way. this payment they took caused my bank account to go over {$1200.00} in the negative, which was a hardship and prevented me from paying any of my other debtors. I contested the charge through my bank on XX/XX/XXXX, and they found that this charge was an error and the money was returned to my account. after this happened, I made my account through synchrony/amazon current as far as payments go. Today, on XX/XX/XXXX, I recieved a letter from synchrony, stating that they reduced my credit limit from {$6000.00} to {$1700.00}, which is barely over my current balance with them. This seems like a retaliatory action on their part, and it will adversely affect my credit score, I had used this card for quite some time with no problems until recently, with even higher credit to debt ratios on this account and others.

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 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Just saw a Bank of America hard inquiry show up on my credit report. I did not apply for any Bank of America cards. Not sure why this popped up. 

Only thing I can think of is somebody got my information off of my stolen phone and my accounts compromised. 

That being said Id like it if this hard inquiry was removed from my credit report if possible at your earliest convenience as this was done fraudulently. 

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 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is an bankruptcy reported on my credit report that does not belong to me. 

US BANKRUPTCY COURT-XXXX  XXXX Reference Number : XXXX I previously wrote you to investigate and verify this bankruptcy listed on my credit report, which you responded to as being verified with the bankruptcy court. I know that this bankruptcy should not be on my credit report, so I decided to contact the courthouse myself. The court informed me that they do not show any record of a bankruptcy filed under my name and identification information. Further, the court does not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information relating to any bankruptcy cases. It is quite clear that someone from Equifax lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report this type of erroneous information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : I have filed a police report and have provided the police report to Equifax and a copy of my drivers license and utility bill. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: TX

Complaint narrative:
In XX/XX/XXXX, I filed Chapter XXXX bankruptcy. As a result, I was allowed to maintain possession of my assets which included a vehicle financed through XXXX XXXX. The payment agreement for the bankruptcy was wage garnishment, but unfortunately I was laid off due to medical reasons and I could no longer maintain the payments so my bankruptcy was dismissed. Shortly thereafter, XXXX XXXX began pursuing me for payments. I explained that the vehicle was broken, it had been towed and I was not able to pay so I offered to voluntarily surrender the vehicle which XXXX XXXX declined so the vehicle remained in tow storage which accumulated more debt. 

As you can see XXXX XXXX failed to properly report the loan to the three bureaus at the time the loan was acquired in XXXX. It wasnt until XX/XX/XXXX that they began reporting the vehicle as 120 days late, XX/XX/XXXX - XX/XX/XXXX it was reported 90 days, XX/XX/XXXX - XX/XX/XXXX 90 days late and finally in XX/XX/XXXX it was reported as a collection account. The conflicting and erroneous information during this time frame was date of last activity was reported as XX/XX/XXXX to Equifax and XX/XX/XXXX to XXXX. No date was provided to XXXX. However, the opening date was reported as XXXX XX/XX/XXXX to XXXX, but it was reported as XXXX XX/XX/XXXX to Equifax and XXXX. 

Considering this, I started an investigation disputing inaccurate information begin reported for the account. Neither verification nor validation documents were provided. Instead, the account was permanently removed from XXXX. It was also removed from Equifax and XXXX, but returned a short time later without any form of communication from XXXX XXXX. I continued to dispute the account through XXXX, but I still did not receive any correspondence from XXXX XXXX. Once again, the account was deleted from Equifax and XXXX, but returned this time as a charge off. It is no longer being reported to XXXX. 

More recently out of nowhere on XXXX XX/XX/XXXX the comments were updated from collection account affected by natural disaster Chapter XXXX bankruptcy dismissed fixed rate to collection account auto Chapter XXXX bankruptcy dismissed fixed rate. This vehicle was never affected in a natural disaster. Additionally, after being contacted by Equifax Mortgage in reference to verifying the account as charged off, XXXX XXXX   changed the status of the account from Closed, Charge Off, Collection to Open 120 days late XX/XX/XXXX - XX/XX/XXXX. Today my credit report was updated and XXXX XXXX conveniently changed the account again this time only with Equifax to show 90 days late XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation