vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
My daughter received a debt collection letter from Convergent Outsourcing IncXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Wash., XXXX - phone XXXX This company said my daughter owed {$49.00} and the account was placed with them for collection. But Convergent refuses to tell us the alleged merchant or company who is owed the {$49.00}. We have no bank, credit card or XXXX records of any transactions for {$49.00}, so this is a scam. 

They did eventually give us a phone number of the company and it was XXXX 's phone number. This makes no sense because you have to have a credit card or bank account connected to a XXXX account, so a XXXX account can't be past due. Convergent Outsourcing is a scam. 

I've contacted Convergent but they are unwilling to expunge this. Please look into Convergent. As I said, this is a scam. XXXX  has no record of accounts past due so they are trying to collect on a bogus claim. So there's nothing past due. Convergent Outsourcing made this up to try to rip us off.

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 2019-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
XXXX emailed me adverse action letter denying the application stating that they are unable to verify my identity based on the information provided. When they contacted me in an attempt to verify identity, they asked for last four of social security number, address, current employer and phone number. During application process I also uploaded my bank statement and 2 pay stubs. No other attempts to verify my identity were made. Their customer service stated that the information that I have provided does not match consumer report, but would not share what exactly did not match. I pulled up my credit report and offered them to send verification for the information on my credit report that they found not matching. They declined to release what exact information was not matching or accept any other forms of identity. I also asked if adverse action letter listed a correct reason for declining the application and they said that it did. XXXX is treating me unfairly and not providing true information on the reasons for declining the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
There are two inquiries that were placed on my credit report on XX/XX/XXXX and XX/XX/XXXX from SYNCB/QVC, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the application they claim that I submitted. What I received from the company is not enough to validate this inquiries. I received the copy of the application today XX/XX/XXXX, this application was submitted fraudulently.

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 2019-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc.
State: DC

Complaint narrative:
I have received daily phone calls from a company called USI Solutions , Inc. Their address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , PA . They claim that I was paying on a debt that was being collected by a previous debt collection company, almost a decade ago. And that the other company went out of business without me having paid off the debt, which was originally owed to XXXX. I do not owe a debt to XXXX and have no memory of ever having an outstanding debt with XXXX. 

I sent a letter to USI Solutions informing them that I am disputing the debt. The letter was mailed as a Priority Certified mail parcel, XX/XX/XXXX and arrived to the post office in XXXX XX/XX/XXXX. So far the post office is saying that no one from USI Solutions has  attempted to pick up the mailed letter. 
I believe this is intentional and that they are not picking up the letter, as then there would be evidence that they had received the dispute letter. I suspect that they will wait a significant period of time to retrieve the letter, so that they can claim that it was received outside of the 30 day window. 

Now they have started calling my wife in addition to calling me. 

The Account # USI Solutions assigned to me was XXXX, and they stated that the original account from XXXX was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX is reporting a {$1500.00} collection balance on my credit report that exists due to fraud. I am attaching the FTC fraud affidavit and police report I submitted to XXXX about the matter, but they refuse to remove the fraud from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX a charge came in from XXXX for XXXX. I was charged XXXX for this transaction. I have been in contact with XXXX my account with them is currently on hold. Pncs reason for not refunding this charge is due to a refund given back in XX/XX/XXXX. {$36.00} is excessive for {$1.00} charge. I also believed I had an at work checking account and therefore would receive no charges such as monthly fees. For one month I fell below and was charged a fee of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
My current servicer sent me an offer to refinance. They can not possibly fund anyones loan under the terms presented. This is a bate and switch false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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:
Store XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FLa. XXXX XXXX XXXX Sales Rep # : XXXX XXXX On Wednesday XX/XX/2019 at approximately XXXX hrs, I, XXXX XXXX XXXX went to T-Mobile- XXXX, XXXX XXXX   XXXX XXXX XXXX XXXX. Upon purchasing the new XXXX Plus XXXX, I specifically asked Sales Rep # : XXXX if it was a soft hit or a hard hit on my credit and his response was it was a soft hit, however, on XX/XX/2019 I received an email from my XXXX account indicating on my FICO that Sales Rep # : XXXX had lied about this matter. I called customer service and spoke with rep XXXX and she too admitted that the employee should have known. She also stated for me to go back to the to the store and speak with the manager which i did. I called and I spoke with his manager XXXX and he said that he would speak to him about this issue. When I confronted Sales Rep # : XXXX about this matter his response was quote, Hey XXXX my bad I got coached and go into trouble and I feel bad and apologize. 

I ask that Equifax DELETE this unauthorized inquiry from my credit report immediately as he admitted by stated that. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

Another reason that this inquiry is inacturate is because the above named on the receipt is not my name and or spelling is incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WY

Complaint narrative:
On XX/XX/2019, I transferred {$780.00} to my daughter 's Paypal account. Unfortunately, the destination account was a foreign ( XXXX ) account that she had used while living abroad. My daughter discovered belatedly that she had limited access to the account because she could not prove she physically lived in XXXX, so she was unable to access the funds I sent to her. 

On XX/XX/XXXX, I put a stop payment with XXXX XXXX XXXX Bank, hoping that the transfer would not be made. The transfer was completed anyhow to my daughter 's old account with Paypal fronting the funds. Because I placed a stop payment at my bank on the transfer, Paypal now claims that my account has a negative balance that I owe to Paypal. 

Because I don't want to be charged twice for the same transaction, I have refused to cover the balance. Instead, we have tried to work with Paypal USA and Paypal XXXX Customer Service to resolve the problem without success. They say there is no recourse for recovering these funds from the old account, even if the owner gives her permission to refund the money or transfer it back to my account, yet still I have to cover the negative balance on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC
State: UT

Complaint narrative:
Enhanced Recovery account # XXXX is incorrectly reporting my account. This account is paid and is also past the statute of limitations. This debt should not be on my credit and should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/2019 I was access a late fee of {$38.00}. Now in XX/XX/2019, I was access a late fee of {$38.00}. I called to pay my XXXX bill and was told that I owed {$150.00}. Now they have accessed me a late fee on the XXXX bill which isn't due until XX/XX/2019. Hence {$150.00} ... my monthly payment is {$39.00}. Now customer service say they can dismiss the XXXX late fee, ok that should just leave XXXX late fee, which would bring total cost to about {$75.00} for XXXX. Now that should get things on track ... but no they want that access fee for XXXX to bring it current. Now, when I asked about the XXXX bill they say I owe {$77.00}, this is why the late fees total {$78.00} for XXXX and XXXX and the payment being {$150.00} to bring current, why is that if XX/XX/XXXX is not here yet. They keep talking about the total bill going down, of course that will happen if I pay all these fees I dont owe. XXXX bill should not be in picture with a late fee attached if that payment has not come due to XX/XX/XXXX. To me these people are crooks. I dont mind paying but not for them to extort money from 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 2019-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX is reporting a {$1500.00} collection balance on my credit report that exists due to fraud. I am attaching the FTC fraud affidavit and police report I submitted to XXXX about the matter, but they refuse to remove the fraud from my credit 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 2019-05-23 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: NC

Complaint narrative:
XXXX is reporting a {$1500.00} collection balance on my credit report that exists due to fraud. I am attaching the FTC fraud affidavit and police report I submitted to XXXX about the matter, but they refuse to remove the fraud from my credit 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 2019-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
Patenaude and Felix proceeded to take action without proper documentation or notification. They also provided my personal information to unknown individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
My company pays a {$150.00} overpayment on my loans directly to Navient. For the last year, I have requested it be directed at my highest interest rate loans. I have been told every time I call, that it is directed that way. Yet every single month it is not. Initially, it was going to my lowest principal/lowest interest loan. I first started calling a year ago. I was able to redirect it at first, but recently I have just been told that it is going to the highest interest rate despite my loan summary/account summary stating otherwise. When asked if they are seeing something different than I am seeing displayed online, there was no explanation and I was told they would send my history in the mail. When I asked again what the discrepancy is, I was just told that they would send it in the mail. I have the authority to direct my overpayment as I choose and Navient continuously is choosing to direct it against my direction in their favor of a lower interest and principal, costing me more money in the long run. I have been exhausted and frustrated from calling every month, so unfortunately numerous months were left incorrect as Navient continues to not correct their errors for future payments. 

Attached are a few examples of my lower interest loans clearly being paid by the overpayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: UT

Complaint narrative:
Jefferson Capital System incorrectly sent my account to collection. I never received a notice and this debt has already been paid. The account is # XXXX, they are reporting incorrectly and this should not be on credit, I have already paid this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I recently called to ask Chase bank why they reported to the credit Bureau that I was 30 days late on a payment that was already paid off. When I called I got this info : They showed that on the XXXX of XX/XX/2019 I was very late on my bill and owed XXXX to bring this balance down to XXXX and be finished with the bill. I paid that amount on the same day the XXXX to being it to XXXX. 

THey say that I tried to make another payment for {$250.00} later that same day and in a few days that came back as a return payment. 

The man on the phone stated to me that if the payment went through then it would have meant that I had a credit on my account for XXXX since I didnt owe anything. 

They updated my account with charges and late fees from the return payment that I had no idea of since I thought I paid off the entire amount. They reported to the credit Bureau that I was 30 days late for not paying what accrued to be {$56.00} The guy representing Chase agreed with me that they were in the wrong for charging me the fees and said they would remove them. I still have {$2.00} in the negative that they are saying that i owe in the mobile app. 

Additionally, because they reported me being late my credit score dropped 51 points. When I called back to ask if they can report that they made a mistake they said I would have to do that on my own. I think that's XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-23 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: IL

Complaint narrative:
I have sent multiple request that accounts on my credit report be verified because these loans or amounts were never taken out by myself and aren't mine. Under the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I have repeatedly requested these documents on numerous occasions and were either ignored or sent a report that simply said " verified '' which does not suffice for verifiable proof through the XXXX  system.

I have attached copies of the letters requesting verification that were sent via USPS certified mail.

1st request- USPS Tracking #  XXXX 2nd Request- USPS Tracking 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 2019-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent the credit bureaus a copy of my credit report and told them that they had accounts on my file that did not belong to me. I sent a copy of my credit report to them and circled the fraudulent accounts that do not belong to me. They only removed 3 of the fraudulent accounts and left the others on my credit file. I sent them an FTC Identity Theft Report # XXXX to all 3 credit bureaus. My social security number was in the credit bureaus data breach as well. They just do not seem to care if it was or not. I told the credit bureaus that these fraudulent accounts do not belong to me. Please have them to remove these fraudulent accounts from my credit file. This is causing me severe stress.

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 2019-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accounts Management, Inc
State: SD

Complaint narrative:
XX/XX/XXXX I received call from Accounts Management Inc from XXXX XXXX SD. Female stated that I had a bill from XXXX XXXX XXXX in XXXX that was in collections for the amount of {$200.00}. I was a little confused and asked what. they stated that my husband, XXXX XXXX was the patient and they had a judgement for {$200.00}. I advised that XXXX and myself have not been married for well over 13 if not 14 years. I asked for the service dates to which she would not give me. She said that if I wanted my name removed I would have to produce my divorce decree. I advised that I in fact did not need to do that as we have been divorced for far longer than your statue of limitations. I called XXXX XXXX XXXX and after some research was told that my name was not in their system at all. My name or ssn did not appear in there system and was not connected to my ex-husbands accounts. I advised them that they may need to talk to their debt collection company as they decided to attach my name for some reason. They assured me that they did not have my name connected to anything and it should not be that way at Accounts Management Inc. I advised them that the collection agency they are using is using some illegal tactics. I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There are two inquiries that were placed on my credit report on XX/XX/XXXX and XX/XX/XXXX from XXXX, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the application they claim that I submitted. What I received from the company is not enough to validate this inquiries. I received the copy of the application today XX/XX/XXXX, this application was submitted fraudulently.

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