vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response?? 


furthermore CONVERGENT OUTSOURCING ( Original Creditor : XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code ? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately. 

You have caused me additional stress, frustration, credit damage, and costs. You have also waived your opportunity to amicably resolve this issue without the need to litigate. I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served process, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist debt collection, ( 2 ) delete all of your credit reporting, and ( 3 ) pay me {$1000.00}. The {$1000.00} must be made payable to the order of XXXX and received within ten ( 10 ) days.

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 2022-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I recently lost everything I owned. This fact also means any communication methods including computer or mobile device like my former cell phone I no longer posses. I can not login to an account with the email address of my personal reference source to allow me a method of communication for personal private social or business events. My former email address I selected for business use XXXX I can no longer use. I can not because the cellphone I used it own is destroyed and methodology to validate account ownership is entirely associated with this phone 's cell phone number through email address associated. Cash App format is difficult for my comprehension because website on computer efforts is very strange to me. I do not understand how the process or formulation from the outside may produce result like adding money then transfering into individual accounts on the App until procceses are completed. Also I need need password

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown inquiries on my credit report and to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these inquiries be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I closed this credit card with Wells Fargo on either XX/XX/XXXX or XXXX of this year. The account was closed after a significant number of issues with extremely poor customer service. I went to a branch office here on XXXX XXXX in XXXX Colorado. I specifically asked to be able to pay any outstanding balance. To the best of my recollection I paid with cash. I specifically gave instructions not to accept any more charges. I would resolve any charges specifically with merchants. I went home and threw away the credit card. Weeks later I continue to receive mailings and phone calls indicating I owe a balance and late fees. Attempts to resolve the issue with Wells Fargo have been met with continuing confusion and poor customer service.

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 2022-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX my California XXXX ID was stolen from a mail truck in my neighborhood. Since that time, the person that stole my ID has tried to open several XXXX XXXX in my name. When they were blocked due to a credit freeze, their next move was to walk into a Chase bank branch on XX/XX/XXXX and approached a bank teller with my XXXX ID. The bank teller, without asking for other proof of identification, proceeded to write my account number out on a withdrawal slip, and give this fraudster {$1500.00} dollars from my savings account. It happened at another branch on XX/XX/XXXX in the amount of {$500.00} dollars. I then was made aware of the funds being stolen. I called Chase, put a lock on my account and was told to go into a branch to change my account numbers. I did so on XX/XX/XXXX. On XX/XX/XXXX while out of town, the person walked into yet another branch and successfully withdrew another {$1500.00} from my savings account. I am working with XXXX to get my funds back, however, Chase keeps denying my claim of fraud saying that since the funds were withdrawn from branches near my home, they believe it was me. Also, according to Chase the signatures look similar, however when you look at the fraudsters attempt at my signature, they misspell my name, why would I misspell my OWN name?!?! I am having to jump through major hoops to get my hard earned money back and the Consumer Finance Protection Bureau needs to know about this!

You should also be aware that there was another withdrawal done from my checking account with just my Real ID in the amount of {$1300.00}. Chase has returned those funds, however, they made the decision to send the refund to my mother! I had asked them to mail me a check since I left Chase bank entirely, they instead did an electronic transfer of {$1300.00} to my mother! When she called on it, they had no explanation as to why they made that decision. 

What's most alarming though is that someone can walk into a branch with just an ID, no other proof and withdraw money from someone's checking/savings account. People need to be made aware of this. 

I have many documents that give proof off all these occurrences including a police report, however, most have personal information on it and I do not want to submit that at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
The debt is from 2007 ( over 6 years in the state of Tennessee ) They have NEVER read me the XXXX XXXX They called my father and left a Complaint number and told him I could be arrested for failure to appear because they had been trying to reach me and sent a sheriff to my home. ( It was an old address from 3 years ago ) and left my dad a phone number and case number I called them and they told me the same thing. Would not provide proof stated once I paid a portion ( first payment of {$640.00} they could send a letter and stated due to the urgency of the matter by the time I got the letter it would be too late as the papers were waiting to be delivered for the lawsuit I paid XXXX and of XXXX putting the rest on a payment plan in XXXX weeks a {$320.00} was due and I called to make a payment as I was scared to be sued and wages garnished when I called they stated my payment was scheduled to run the following day. I advised them I never gave permission for my card to be kept on file or ran a second time

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 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have noticed an incorrect address on my report as well as reported by the bank. 

It stated that I have a previous address : XXXX XXXX XXXX XXXX XXXX, OK XXXX I do not live there and have never lived there were been a resident of Oklahoma.

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 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have noticed an incorrect address on my report as well as reported by the bank. 

It stated that I have a previous address : XXXX XXXX XXXX XXXX XXXX, OK XXXX I do not live there and have never lived there were been a resident of Oklahoma.

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 2022-04-20 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: FL

Complaint narrative:
Equifax, XXXX  and XXXX fail to properly do a thorough investigation on my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 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:
XXXX, experian and XXXX fail to properly do a thorough investigation on my dispute.

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 2022-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I am making this complaint against Navient because it is my belief that Navient is not in possession of the original instrument of indebtedness and this note may have been sold or traded without novation or consideration. In accordance with the freedom of information act, I'm requesting that Navient produce the original instrument or proof that it hasn't been sold. I am aware that in accordance with XXXX XXXX that only the holder of the note may collect on an instrument. 

Please provide me with your statement of the amount owing as of XXXX XXXX, 2022, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form ( no copies ). I would like to make arrangements to settle the above referenced matter. 

Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before XXXX XXXX, 2022, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
In the early hours of XX/XX/XXXX, I received several emails from Wells Fargo with regards to an application for opening a checking account. I did not apply to open this checking account. ( I did have a car loan through Wells Fargo that closed in either XXXX or XXXX ). 

Later that day I called Wells Fargo to report the fraudulent account and identity theft. I didn't document who I spoke to or the case number for the report, but in a subsequent call, Wells Fargo confirmed that I had called on XXXX. On my XXXX call to Wells Fargo, I do remember telling the representative that I had received these emails and that I had not applied for this check account. I was transferred to another representative who, I remember this, told me that since the account was still in the application stage, it would be cancelled ; I remember asking the representative if the fraud investigation would be sent to law enforcement authorities, and I was told that it would not be, that the investigation would be handled internally. After the call, I considered the matter closed. 

On XX/XX/XXXX, I received a statement for a Wells Fargo checking account dated XX/XX/XXXX, a month after my initial call to Wells Fargo to report the fraud. 

I called Wells Fargo the morning of XX/XX/XXXX to report the fraudulent account. The representative acknowledged the XXXX call. I was told that the account would be blocked and an investigation would be opened this time. I was transferred to another representative to discuss identity theft.

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 2022-04-20 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: FL

Complaint narrative:
On XX/XX/2022 I sent a letter asking what method was used to verify a XXXX XXXX XXXX that is reporting on my credit report. I simply want to know what company or entity you are verifying this information with so that I may reach out to them directly to get this inaccurate item removed. Under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give you the method of verification information within 15 days of your request. It has now been over 45 days with no response. Per the law I have the right to know how they verified this inaccurate account and failure to respond gives a reason to immediately remove this items from my credit report. I demand this account be deleted immediately or I will file for litigation due to all of the emotional stress you have caused me.

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 2022-04-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown inquiries on my credit report and to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these inquiries be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts has violated my rights : - XXXX XXXX  Acct # XXXX - XXXX XXXX XXXXk Acct # XXXX - XXXX XXXX  Acct # XXXX - XXXX Acct # XXXX - XXXX  Acct # XXXX - XXXX  Acct # XXXX - XXXX Acct # XXXX - XXXX  Acct # XXXX - XXXX  XXXX Bank Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX - XXXX XXXX Acct # XXXX 15 U.S.C. 1681 Section 602A states, I have the right to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts has violated my rights : - XXXX XXXXXXXX  Acct # XXXX - XXXX XXXX XXXX Acct # XXXX - XXXX XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX  Acct # XXXX - XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX XXXX XXXX  Acct # XXXX - XXXX XXXX XXXX  Acct # XXXX - XXXX XXXX Acct # XXXX 15 U.S.C. 1681 Section 602A states, I have the right to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a personal Capital One Quicksilver XXXX. My statement closing balance on XX/XX/2022 was {$210.00}. I used available cash back on the account to credit my XXXX {$200.00} on XX/XX/2022. I made a payment for the remainder balance of {$14.00} on XX/XX/2022, the payment due date. Capital One then charged me a Past Due Fee of {$25.00} on XX/XX/2022. I called Capital one on XX/XX/2022 and spoke with XXXX in the XXXX customer service center. She stated that since I did not make a minimum payment of {$25.00}, I was charged a {$25.00} past due fee. I argued that since I credited the account with {$200.00} from cash back and made a payment of {$14.00}, the full statement balance was paid in full by the due date. She said I needed to pay more to satisfy their payment requirements. I believe this is overcharging the customer. The statement balance was {$210.00}, I had a credit for {$200.00} and a payment for {$14.00}, which satisfies the full balance on the account as of the statement closing date. I asked if I charged my account {$100.00} and received a statement showing {$100.00} due, and then returned the item for {$100.00}, would I still need to make a payment? She did not answer me, but I suspect I would be charged a late fee and possibly interest since I did not make a minimum payment even though the balance was {$0.00}. 

It is not fair or right to the consumer that Capital One does not treat credits or returns as payments in the current credit cycle. In my experience, Capital One does not count returns toward the current payment due, but credits the next statement balance. Again, Capital One is penalizing the consumer for credits and returns by requiring full payment of the statement balance, even though they have received money ( payment ) in the form of a credit or return. This is not a fair or equitable way to treat their consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, the following companies have violated my rights. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX  XXXX # XXXX 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