vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV promised to delete this account from my credit report as the debt was paid through XXXX. I have included the receipt as validation of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
My husband and I have held a mortgage through US Bank on our primary residence since XXXX. We have always received paper monthly statements from US Bank. In XX/XX/XXXX, we refinance our mortgage through US Bank. Subsequent to the re-financing, we began to receive email notifications of our monthly statement, instead of a paper statement. I reached out to the person at US Bank who had organized our re-financing and he said that he would submit a request to switch to paper statement. Nothing changed. I called customer service to request a switch to a paper statement. This time, the email statements were turned off and no paper statements were sent. As such, since XX/XX/XXXX, we have received NO monthly statement whatsoever. I have made two additional phone calls to customer service and we are still not receiving any form of a monthly statement. It is super frustrating - but also makes me angry as if I miss a payment I'm sure they will be happy to assess us a fee.

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 2020-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
When i checked my credit as i often do, i saw that XXXX XXXX placed a {$10000.00} and {$1300.00} collection on all 3 of my credit reports which is false and untrue. When i contacted XXXX XXXX demanding they provide me with documentation validating this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, they refused to comply within 45 days. Lastly XXXX XXXX has not validated any contract that i consented or agreed to with their company. XXXX XXXX has violated my credit and reputation, i am demanding collections be investigated, removed and communication be ceased from all credit bureaus.

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 2020-11-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: SC

Complaint narrative:
For about a year The Money Source TMS keeps showing unrealistic amount due. Ive emailed and called them and thy say that im not behind but the monthly statements shows : XXXX statement {$4000.00} XXXX statement showes {$2900.00} XXXX statement {$2900.00} XXXX statement {$1800.00} XXXX statement {$1800.00} All of this time im making my payments before the XXXX of each month and have XXXX been charged a late fee. 

Acct number XXXX THE MONEY SOURCE XXXX XXXX XXXX XXXX TX XXXX CORRESPONDENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX I asked for a Payday Loan from a company that called me and sent me an email. Being it was my birthday I thought it was a sign instead it seems to be the worst decision ever. I was sent {$1900.00} within minutes and told to XXXX an insurance policy the money to verify the insurance. They even emailed an insurance policy for the loan from XXXX. I did this again with {$700.00} and then Bank of America calls me with detailed questions saying I have been scammed. Why I did not know I was more than happy to cooperate with them to help the find the people who fraudulently filed a claim on my behalf. Instead Bank Of America instantly charges my accounts and puts my account in negative balance by over {$2600.00}. I have spoken with many of people who have said sorry but have not helped a bit. Now when I call the fraud department and ask to speak with a supervisor I am UNPROFESSIONALLY disconnected. I do not know what more there is to do. I am soo disappointed in Bank of America, i have been a customer for over 13 years ; the first bank account I ever opened and it feels like they are the ones who scammed me. 

I also have XXXX XXXX and with their security system I am wondering how Bank of America allowed someone to withdraw money from account and distribute money based on a false claim within minutes? When I asked the lady from Bank of America how I would know its a scam she says if someone asks for your online ID and Passcode it is most likely a scam. I have taking out a loan before under XXXX XXXX for a much larger amount that went directly to my Bank of America account and they asked for they same exact information so I do not understand why all of sudden Bank of America is trying to pin this on me when I am the victim of fraud. 

I also reached out to XXXX and the company. I can not reach the rep anymore from the number he call but I have his full name and number. 

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 2020-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020, I noticed my Chase bank card with the numbers ending in # XXXX missing from my purse. The only person at my apartment other than me was a guy named XXXX XXXX. I did not believe my card to be taken by this guy at this point. However, later, after he left my residence, I tried to send money via my account to my to my daughter. My transaction was denied. That is when I checked my actual account and saw my money missing. XXXX had taken out a total of over {$700.00} from my account. those charges are as follows. XXXX {$400.00}, {$100.00}, {$100.00}, {$100.00}, & {$21.00}. I immediately contacted the bank as well as cancelled any access to my card and changed the pin. I also immediately filed a police report. That report has been included. I then sent the police report to chase bank thru their secured messages as well as thru fax. Each time I have contacted them, they tell me that they have denied my claim and when I've asked about a dispute, they say they will reopen the claim. however, now I've been told that they can no longer open the claim again and there is nothing further they can do. My money still has not been returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-23 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: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
On XX/XX/2020 I filed a dispute with XXXX over an erroneous listing of bankruptcy filing on my credit report. I contacted my mortgage company and KIA Motors Finance immediately when I found that they had mistakenly moved my accounts into their bankruptcy departments.. The person filing for bankruptcy has the same name and the same last 4 digits of their SSN as I but whose full SSN and state of residence are different. 
I was told by both companies that the error would be immediately corrected. They both withdraw my standard monthly payments in early XXXX and unfroze my accounts. 
Despite this, XXXX is reporting in its completed investigative report that my KIA account is in bankruptcy based upon KIA 's last update on XX/XX/2020. When I called KIA Motors Finance when I received the report on XX/XX/2020, the company stated that they had updated the correct information on XX/XX/2020. On XX/XX/2020 ( same day ), I called XXXX with the file/control # that KIA provides to XXXX that reflects updated credit information but XXXX claimed they could not make any changes.

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 2020-11-23 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 — Problem getting your free annual credit report
Company: CORELOGIC INC
State: TX

Complaint narrative:
I have requested my credit report 3 times from CoreLogic at XXXX XXXX XXXX XXXX XXXX, CA XXXX. On the third time, I sent the letter certified. 

I included all the relevant information to find my credit report, including my full name, address, social security, one form of identification and one form of proof of address. 

I still do not have my report.

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 2020-11-23 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: VA

Complaint narrative:
I opened a complaint about inaccurate information on my credit report ( s ) about bankruptcy that XXXX was reporting. After filing a complaint about XXXX I received a letter from XXXX via email explaining they had made and mistake and that they removed it from my XXXX file. I have filed a letter and requested validation with each of the 3 credit bureaus and ALL responded back stating they in fact verified the records with XXXX. This should be impossible with this letter AND for the fact that my address is FAR from correct on the XXXX Account. Each of the Credit Bureaus responded back with letters stating that they VERIFIED with XXXX, I have received them via US mail. 

I have included a copy of the Orginal letter as well as my hi-lighted proof from said letter from 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 2020-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: J & B Endeavors, LLC
State: AZ

Complaint narrative:
I received a letter with a notice date of XX/XX/XXXX stating the amount of money I owe on my student loans and that I was eligible to participate in the " Student Loan Document Preparation Processing Services Program ''. The company provided a phone number which I called on XX/XX/XXXX, as the monetary amount that was noted to be due was accurate with what my XXXX XXXX was stating on their website. I called and set up payments to be taken out monthly from my checking account to go towards my student loans. When I called on XX/XX/XXXX, I was told I needed to submit my paystubs, which I did. I was also told what I was placed into a Revised Pay-As-You-Earn ( PAYE ) plan and that I would just have to pay $ XXXX. for 5 months beginning XX/XX/XXXX on the XXXX of each month, then after reconsolidating, I would be entered into the PAYE plan. I was told that if I worked any overtime, to let the company know so that they could adjust my account. I was told that my hours of working had to be over 30 per week in order to stay in the program and have my student loans paid down. I called again on XX/XX/XXXX as I was sent an email by a representative from their company stating that the monthly {$340.00} was set to be taken out of my checking account on XX/XX/XXXX. I immediately emailed back on XX/XX/XXXX and asked for a hold of the funds which they did not respect. I did not get an answer when calling XX/XX/XXXX ; I then tried calling the next day ( XX/XX/XXXX ), and an accounts representative answered and told me she was unable to help me and that she would only be able to set me up with a meeting with another person for XXXX XXXX MST the next day. I never received a call. When I emailed back, a different representative told me that I could call any time if I had any concerns, but I have been getting the run-around. I called my XXXX XXXX today ( XX/XX/XXXX ), who informed me that because this is a third-party company, there are unable to advise me in what I can/ can not do, but that at least filing something with the Federal Trade Commission would get me started. I intend to call my bank and have those funds stopped from being debited. I have also changed my passwords on both XXXX and XXXX as the company changed my passwords, password protection information ( e.g., city I was born in, etc. ), phone number, and email address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I wish to file this complaint not only with the CFPB about my issue with this dispute ; BUT also about how my issue has been handled. I have reached out to Transunion at least 15 times and they still have yet to understand the issue. I can tell you that my situation has not been taken seriously. I have been hung up on ; yelled at ; argued with and had my issue completely disregarded in a manner that has not just been condescending ; but just hurtful. I have explained to Transunion that this is my LIFE ; my situation. I clearly understand my rights ; however Transunion does not. I have uploaded documents into this portal ; overnighted them twice which cost money JUST to have Transunion tell me that " we have a retention process ''. Here is this situation again. 

I have a Chapter XXXX on my credit file. I have had it for 5 years ; it was dismissed shortly after filing because I noticed a ton of errors in the bankruptcy. I had it opened back up in court and FINALLY had the courts remove it from my file because it was wrong. I spoke with the furnisher ( XXXX ) and they have deleted it from my file with them ; as well as the court records. I have sent this information over to Transunion several times ; and uploaded through this portal as well JUST to make sure they have the 80+ page to add it to my credit file. I have called ; one rep told me she could see the docs, and another rep told me that she couldn't see the docs ; then ANOTHER rep told me she could see it and FINALLY the last rep told me he couldn't see them. I let him know that the docs were uploaded the first time to this portal ; they told me they didnt have them ; but they emailed me and told me they received them and they were investigating my dispute. After we went through this long conversation ; I was told that even if they received the docs ; it would be up to them to delete the bankruptcy. I told them that didnt make sense ; bc is the furnisher is no longer reporting this derogatory account that they credit reporting agency is supposed to remove it. He patronized me for about 20 minutes. This is my life. I have spent countless hours and LOTS of money fighting this bankruptcy. Please do the investigation properly. Or I will have no other choice to seek legal council and proceed with litigation against Transunion ; bc the other bureaus have had no problem following my request and just proceeding with the investigation. ALL OF THE DOCUMENTS HAVE BEEN SENT OVERNIGHT XX/XX/XXXX TO ARRIVE AGAIN ON 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 2020-11-23 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: GA

Complaint narrative:
I am writing this due to non-compliance with the CRA ( Experian ). 

They have failed to remove information and have failed to perform a proper investigation. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 


1. Negative monthly activity reporting after the account was charged off in XX/XX/XXXX is a violation 2. It reports the Charge Off was in XX/XX/XXXX which means " Account Closed but also shows a closing date in XX/XX/XXXX. An account can not have 2 closing dates. 
3. It also states this account was sold to another Lender but never reported who the the new lender is in my credit file. That is a violation. 
4. Experian claims to have certified this on XX/XX/XXXX as being accurate but they have XX/XX/XXXX listed in the " Status Updated '' area which further confirms they DID NOT perform an actual investigation on this account 5. I have repeatedly requested the Method of Verification used and to date no information has been sent to me via mail or email. 

All of these errors are being done and they have refused to remove the account as requested due to inaccurate reporting.

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 2020-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was charged by a company ( XXXX ) for {$16000.00} on XX/XX/XXXX and the transaction posted on the XXXX. I called in on the XXXX to report the transaction since I didn't do it. I have filed a police report and submitted it to Bank of America but still have not received my funds. This is my second time contacting the CFPB and the first time you didn't do anything to help me get my funds back. I reached out to XXXX XXXX 4 times and no response then they say their investigation is concluded without speaking to me. I have done business with them in the past but not for {$16000.00}. All my other transactions were under {$500.00} with that company. I have contacted the company for a refund but they won't give me one. I have not received a product or my money back from Bank of America. I filed a claim and they said that I authorized the transaction which is false. They advertise {$0.00} fraud liability but now I'm out of {$16000.00}.

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 2020-11-23 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: NE

Complaint narrative:
Hello, My name is XXXX XXXX and I called and submitted a fraud alert with Experian back in XX/XX/2020. My rights under the FCRA was violated under 15 USC 1681C2. There was 19 inquiries involved within this fraud that Experian allowed to report on my credit report. I did not consent to any of these transactions to report nor did I benefit from them reporting. Experian removed all 19 of these accounts after their investigation which from my understanding is admission to me being violated under FCRA and according to civil liability in FCRA in pursuant to 15 U.S. Code 1681n they must be held accountable. I am seeking justice to be served.

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 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Received a " reduced balance opportunity '' notice from Convergent Outsourcing , Inc. regarding an alleged debt from XXXX for {$4600.00}. I have never had an account with XXXX and I told this woman who answered, who identified herself as XXXX XXXX. When I was going through the prompts and asked for an agent, it then asked why I wanted an agent I replied that I thought it was fraud. After going through account numbers, etc., I told her I never had a XXXX account. She immediately replied that it was probably " identity theft ''. She then said she would send me a " fraud packet '' and that I would need to file a police report, and then return the packet and police report. Supposedly this will arrive in 7-10 days. 

The " offer '' is : " We have been authorized to accept payment of 60 % of the total balance, which is {$2700.00}, in exchange for which XXXX will recall your account and cease all collection activity. If you are interested in taking advantage of this offer, call our office within 14 days of the date of this letter. Please note that this is not an offer to accept 60 % of your debt as payment in full, but an offer for XXXX to remove your account from further collection efforts. We are not obligated to renew this offer. '' There has been no " collection activity ''. This is a scam. 


There are two addresses on the " letter '' : Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX WA XXXX and XXXX XXXX XXXX XXXX XXXX, PA 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 2020-11-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am not sure if you actually do anything but I will try once more. I made a complaint about Shellpoint Mortgage and you sent them a letter. They responded by saying that they needed some more time and were working on it. You seemed to think this was an adequate response. Would it help if I told you that in the three years company has failed to resolve this problem they have sent me approximately 30 letters stating the exact same thing? 

I have many of them still in my file. 

Do you think that sending numerous exact letters in 3 years is enough time to resolve this? 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation