vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 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 have never done business with this company, never given this company any of my information, i have no idea how they got my information and they need to have it removed from all XXXX of the credit bureaus. I have never signed or consented to any terms or agreements with convergent outsourcing.

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 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Amount was paid in full in XX/XX/2020. A representative of the debtor concern acknowledged same. Collection agency has reported this incorrect information 5 different times, XXXX, XXXX, XXXX, XXXX, & XXXX to credit bureaus thus dropping my score with each submission

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 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: SC

Complaint narrative:
In XX/XX/XXXX, the mortgage company ( AmerisXXXX XXXX sent {$1000.00} to XXXX for my homeowners insurance coveragethis payment should have been sent to XXXX XXXX XXXX In XX/XX/XXXX, the mortgage company sent the same amount to XXXX XXXX ( double payment ). In XXXX, I received a letter from Ameris saying that my escrow account had been adjusted ( to cover their error ), and that my mortgage payment was being increased by {$110.00}. I have spent countless hours on the telephone with rude/incompetent employees who refuse to help fix this. They blame XXXX, and XXXX repeatedly says they need more infowhich Ameris/XXXX will not provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing due to non-compliance with Experian. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond and complete its investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2022-03-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
The Truist merger caused a savings account that I am custodian on to become inaccessible to me. After trying to get it fixed for several weeks I went into the bank to close the account. Their system was down and they could not complete the transaction. I left after an hour of waiting and asked them to let me know when it was completed. It has been a week and no one will respond to my phone calls, the account is still not accessible or closed.

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 2022-03-28 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: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
I had an account with FS Genesis Card services. I paid off my card around XXXX and wanted my account closed due to the fact the said they keep mailing me out cards that never arrived at my place so I just ended up calling and getting my account closed. The person never closed my account so fast forward to a month ago and they said I was late on a payment and reported it to my credit company. I called up genesis card services and the first person I talked to seen where I was coming from and not only took off late payments and interest charges but took off the annual fee and put my account down to {$0.00} and finally closed my account. It has already been reported to my credit company that I am 60 days late on my payment that I was never suppose to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX sent me a letter on XX/XX/2021 about an alleged debt owed to American Express. I sent a cease and desist as well a debt validation letter with a green receipt that was received on XX/XX/2021. For the validation of the debt XXXX sent me statements and terms and conditions pages. They never provided me the address and name of the original creditor. They have since taken legal action against me and filed a lawsuit. This is a violation because a debt collector can not be an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
A transfer of {$8000.00} was made from my XXXX XXXX XXXX account to XXXX : by XXXX XXXX account on XX/XX/2022. 

The XXXX : by XXXX XXXX account was locked on XX/XX/2022 without any justifiable reason provided. 

I have made several calls to XXXX : by XXXX XXXX to return the transferred funds of {$8000.00} and it is yet to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I received a direct deposit form with an incorrect account number for my employer. On XX/XX/27 my first paycheck was deposited in this account for the amount of XXXX. Today was my last attempt to recover those funds with the bank manager of XXXX XXXX Chase Bank, XXXX XXXX, XXXX XXXX XXXX XXXX is the Manager phone number XXXX. She is taking the matter up with her executives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I NOTICED IN XXXX OF LAST YEAR THAT CITIZEN BANK WAS TAKING MY FUNDS FROM MY ACCOUNTS BY ACTIVATING CHECKING ACCOUNTS ON THEM. TWO WERE SAVING ACCOUNTS AND ANOTHER ONE WAS ON MY TERMINALLY ILL DAUGHTER SOCIAL SECURITY ACCOUNT WHICH I AM HER GUARDIAN, AND THE ACCOUNT IS IN MY NAME. SHE HAS NEVER BEEN ABLE TO DO ANY THING SUCH AS PAY BILL ALL HER LIFE.THE ALSO PUT {$410.00} ON A CREDIT CARD THAT I ONLY USED FOR XXXX. I TRIED TO SHOW THEM AT THE BANK BECAUSE I SAW IT AS SOON AS THEY DID IT BUT NOBODY WOULD DO A THING TO STOP IT. THEY JUST KEEP ADDING ON TO IT UNTIL IT WAS {$640.00} WHEN I GAVE THEM THE MONEY TO MAKE THEM STOP, BUT THAT DIDNT STOP THEM TWO DAYS LATER THEY SENT ME A BILL FOR {>= $1,000,000}. WHICH {$6600.00} WAS PAST ON THE CREDIT CARD THAT I HAD JUST PAID OFF, WHICH THEY HAD OVER CHARGED ME FOR. THEY LEAVE THREATING CALLS ON MY LAND LINE PHONE AND HAVE MESSED IT UP SO THAT YOU CAN NOT LEAVE A MESSAGE AND THE MESSAGES THEY LEAVE ERASE AFTER ONE PLAY, THEY MESSED UP MY TWO CELL PHONES SO THAT I COULD NOT USE THEM. THE ALSO HACKED MY COMPUTER AND PRINTED UP EVERYTHING IN MY MAIL BOX FOR ME TO UNSUBSCRIBE FROM THEM. I NEVER INVITED THE INTO MY COMPUTER. THEY CAUSE TROUBLE BY CAUSEING ME TO HAVE TO CHANG MY DEBIT CARD THREE TIMES AND CHANGE MY PIN NUMBER SIX TIMES IN LESS THAN TWO MONTHS THEY KEEP TRYING TO SIGN ME UP FOR LOANS OR REFINANCE THE MORGAGE. THEY WILL NOT CLOSE MY ACCOUNTS EVEN THOUGH THEY HAVE ASKED A LOT OF TIMES BY ME AND BY THEIR OWN BANK MANAGERS. I HAVE TOLD THEM I DONT WANT ANYTHING FROM THE, NO STATEMENTS, NO DEALS NO OFFERS JUST TO LEAVE ME ALONE THEY DO WHATEVER THEY WANT. TO DO. I WOULD NOT TRUST THEM FOR A LOAN ON A DOG HOUSE. THEY GET INTO EVERYTHING THEY CAN TO CAUSE TROUBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Conformation Number : XXXX To whom in May concern : Equifax mistakenly deleted my accounts below. Please reinsert my open accounts on my Equifax credit report. 

Other Accounts : XXXX XXXX XXXX XXXX XXXX ( Please see attachment ) Revolving Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Installment Accounts : XXXX XXXX XXXX  XXXX Please add my accounts back on my Equifax credit report. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/2020, someone fraudulently applied for credit in my name and XXXX notified of this and quickly shut down the credit line with XXXX XXXX. I contacted XXXX XXXX and requested the acct be closed and that I never applied for credit with them. The acct is still open in my name, the inquiry is still on my credit report and I want to close this acct AND remove the inquiry from my credit report on all credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
My loan is due quarterly, every 3 months on the XXXX in XXXX / XXXX / XXXX / XXXX On the website on XX/XX/XXXX I logged on to the account to make a payment for the XXXX due date. At the top of the website the account says " XX/XX/2022 Due Date '' with an amount due. I made my payment on the XXXX of XXXX. In late XXXX I received a notice in the mail indicating that my account was 30 days late and I was charged a late fee and now had a payment due on XX/XX/XXXX. I called Heartland ECSI and they indicated that my payment was made too early and that it was considered an additional optional payment on the loan since it came before my statement on XX/XX/XXXX. I let them know that their website very clearly has a due date and an amount due so if I make a payment the common sense assumption would be that you're making a payment toward the due date and amount due listed. 

As another example, my account now says that I have a payment due by XX/XX/XXXX for {$300.00}. I was told if I make the payment pretty much before XX/XX/XXXX ( the estimated statement date for XXXX due date ) that my payment wouldn't be counted for the amount due. I don't understand why their website would lay out in large letters a due date and amount but if I click make payment and make a payment then it won't necessarily count toward the amount due right next to the make payment button. I've attached 2 screenshots from the page showing this layout.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: DE

Complaint narrative:
My mortgage was transferred from XXXX XXXX to Specialized Loan Servicing XX/XX/XXXX. Prior to this loan transfer my annual sewer service charge, payable to my county was not paid by the mortgage company. I paid this service charge separate from my mortgage company. 
In XX/XX/XXXX, Specialized Loan Servicing increased my Escrow account to now include this sewer service charge. Even though the mortgagee company accrued the money, it has failed to make this payment on time. Payment was due XX/XX/XXXX, as of XX/XX/XXXX payment is still outstanding with penalty charges. 
I have tried to resolve this issue with the mortgage company numerous times, both by phone and text message. I can not contact the company by phone because my call is placed in an automated continuous voice loop. 
This mortgage company lacks the ability to resolve issues satisfactory and lacks basic communication skills.

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 2022-03-28 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-28 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)
State: ND

Complaint narrative:
My credit score recently dropped XXXX points from a debt that was sent to collections, of what appears to be a fake agency. We had had two other bills in the past that we ended up just paying from not having enough knowledge of the topic. This time however it is for a debt that we did not have any records of ever having with the medical facility. They also have no bills during that whole calander year of 2020. This bills shows it originated on XX/XX/2020. We have never received information on it and havent received any response. I can not attach any documents since we have never received any

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Due to covid i was unable to work in the filed i am in and shortly after diagnosed with health issues which did not allow me to return to work and in need of filing for XXXX. 
In the meantime we were just down to my husbands income therefore we fell behind on our loan and had close to 11 missed/late payments. We have been current now and see no reason why we could not to continue this. 
I reached out to Capital one a few times during covid and they did allow us to move a payment back however since we have remained current and on time on XXXX XXXX i called Capital one and spoke with a customer service rep requesting due to these above circumstances that were out of my control and are currently in good standing would they consider removing the almost {$3000.00} in late fees as well as missed payments on our credit report. I was then transferred to a supervisor and was told to dispute with credit reporting agency which i have done and was told they had no control of the credit reporting nor removing the late fees on our account. I feel they did not even try to help me resolve this issue and did their best to end our conversation without listening or trying to work with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: IL

Complaint narrative:
Hi I am submitting this XXXXXX/XX/XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XX/XX/XXXXhas me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing meXX/XX/XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.

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 2022-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing due to non-compliance with Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond and complete its investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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