vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Back in XXXX I was called by a collection agency about a XXXX account I had never opened. I informed them they are incorrect and I have never had a XXXX account before. They told me to pay {$3000.00} or get an affidavit saying that it was Identity Theft. I went to a XXXX store and told them what happened but the only help they offered was giving me a copy of the account statement opened in my name ( Account # XXXX ). I filed a police report on XX/XX/XXXX with XXXX County Police report # XXXX. I gave them the incident report number and they left me alone. One year after that another Debt collector tried to contact me. I gave them the police report number and they left me alone. Then in XXXX Convergent Outsourcing contacted me for the same debt. I told them the same thing, and shared with them the incident report. They didn't care and said that they were going to put it on my credit report as a derogatory account. Since XXXX of XXXX they have impacted my credit report even though I told them it was not my account and provided the police report. I tried disputing the report with XXXX  but they did not resolve it either.

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 2021-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
A XXXX account was opened under my name. 
A XXXX XXXX XXXX account was opened under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Applying for mortgage refinance. Received credit score report from XXXX XXXX XXXX. Next to Equifax, under " Key factors that adversely affected your credit score, '' it says " Amount owed on revolving account is too high. '' I pay my account off every single month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: GA

Complaint narrative:
I am in violation by XXXX  experian and XXXX by being ignored constantly. I will continue to send in disputes until i recieve an answer. Yes I XXXX XXXX authorize all three bureaus to investigate 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 2021-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bliksum, LLC
State: NM

Complaint narrative:
I received a voice message from XXXX XXXX XXXX XXXX claiming to be from Loan Me, a company in California that makes personal loans. The caller claimed that I applied for a loan. I did not apply for a loan with this company and I want any report of a loan application to be removed from my credit report. This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: GA

Complaint narrative:
I am in violation by XXXX XXXX and transunion by being ignored constantly. I will continue to send in disputes until i recieve an answer. Yes I XXXX XXXX authorize all three bureaus to investigate 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 2021-04-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am in violation by equifax XXXX and XXXX  by being ignored constantly. I will continue to send in disputes until i recieve an answer. Yes I XXXX XXXX authorize all three bureaus to investigate my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XXXX XX/XX/2021 when I went to use my card for a purchase I was told by the Automated Voice that the account was closed for any future purchases? My concern is this account was always paid on due date and due to medical hardship carried a balance. For Synchrony originally GE Money to make the assumption based on my credit score or information on my credit reports decisions made to close my account can be premature? Especially when I have submitted disputes to include utilizing the Consumer Financial Protection Bureau. Taking these measures has removed negative information from my reports and is still ongoing. Additionally, my concern is that Synchrony has been reviewing my wife 's medical hardship debt management program settlement with her individual accounts that are exclusively her accounts but were settled by her attorney 's just recently. May be a coincidence? I have been a good customer on all of my accounts and feel to close my accounts based on credit reports that have numerous inaccuracies to include disputes should not be the only criteria to close accounts for example I have 40 years of Federal Service an excellent employment history and 40 years of great credit history. There has been Life Events with my wife 's medical XXXX that has created some credit issues but are constantly under review and challenged through the credit bureaus dispute process which becomes a lengthy process to delete negative information from the reports..

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 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Since filing bankruptcy in XXXX I have tried to keep my credit reports free and clear of any bad SCORES. I have been able to keep my SCORE in the six hundreds and have been working really hard to get my SCORES to XXXX and above. Between years XXXX til now XXXX my SCORES have not changed much and I truly believe it's prejudice. 
After filing Bankruptcy I immediately applied for a 'secured credit card ' with my Credit Union , to boost my credit SCORES ..since, I have recently paid-off, with a credit balance of {$800.00}. I also have a credit card with XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX ) that I have not used since XXXX, after paying the bill-off. Yes, there were late payments during the time of use, that would or could lower my scores. My point is I'm still getting DECREASES on my report for accounts that aren't being used anymore. My SCORES has been between 664-669 for the past two years and when I get a DECREASE, my score drops significantly. Today I checked my scores, ( because I get notices from EXPERIAN that my scores have either increased or decrease ), it was XXXX today then I clicked on the score for further information, ( because I couldn't believe my score had gotten to XXXX ), my score changed back to XXXX, dropping to 23 points, with not explaination other than previous late payments from two ( 2 ) years ago. 
I hate bringing racism into this, but I believe credit reporting companies ( Experian, XXXX and XXXX ) desecrate different ethnicity buy keeping their 'credit SCORES low and not being able to gain crediblity in the community. It makes not sense to me that my SCORES have been at a stand-still two ( 2 ) or more years. Please FIX this problem with the 'credit reporting companies '.

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 2021-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Long & Foster Financial Services, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I applied for a mortgage with Prosperity Home Mortgage ( XXXX, GA ). I provided all financial documents requested and received a pre-approval for XXXX ( XX/XX/XXXX ) which increased to {$180000.00} ( XX/XX/XXXX ) .The mortgage consultant XXXX XXXX NMLS # XXXX requested that I try and have a late payment removed to increase my buying power, but other than that my scores were good with a range between XXXX. Initially I was not finding any homes I liked. After about 2 months in that changed and my realtor XXXX XXXX began putting in offers with the pre-approval from XXXX. In the beginning of XXXX, XXXX began asking questions that he asked in the beginning about my income and adding my husband to the application. With me having stronger credit I told him no to keep the application with just me. My realtor asked me to contact someone else she knew and had confidence in to possibly submit an application. After speaking with this gentleman he said it didnt take an application for him to know my DTI was too high and he didnt understand how XXXX was able to get the pre-approvals in the first place. I contacted another lender who said the same thing. After months of having the pre-approval, XXXX says he couldnt get me approved. XXXX has done a credit check 13 times. There are 13 inquiries on my credit report because of his negligence and total disregard for my credit history. I reached out and he said there was nothing he could do. He said the inquiries would not affect me but that was another lie. I have been denied credit due to high inquiries. The company he used XXXX was all that appeared 13 times. I was told a supervisor  would call and that never happened. I also filed a XXXX complaint and sent one in directly Prosperity and never got a response. These inquiries are unacceptable. There should be one at the beginning and one at the end of the process depending on how long it took to find a peppery to purchase. The entire process was negligent on his behalf and very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a bill in the mail from Chase. I paid and mailed the {$18.00} bill on XX/XX/XXXX, then realized that the bill was for purchases at XXXX in XXXX, IL. I never use XXXX and did not make these purchases. I called the customer services number on the bill. I talked to an agent, who then transferred me to security. The security agent asked for my social security number to check my identity. I know better but gave her my number. Then there was interference on the phone line and I couldn't understand anything else she said. I hung up and called the customer service number on another Chase bill ( which was a different number ) .. I spoke to another agent who told me my name was not on the Chase account in question but it was listed with my address. I checked the 2 Chase credit cards in my possession and gave that information to the agent. I had no credit card for the Chase bill I most recently paid. I was transferred to fraud alert dept. That agent told my the customer service number on the recent bill was not a Chase number. She is looking into my complaint and will get back to me. I called the 3 credit bureaus to freeze my accounts and filed a report with local police department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NJ

Complaint narrative:
Debt does not belong me. The amount of {$440.00} is not owed to the Capio Partners LLC ( XXXX ). Not sure where Capio Partners LLC obtained my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
I have sent 3 letters, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to Cavalry Portfolio Service requesting they verify this debit. To date they have ignored my request and are still reporting this debit as collection on my credit reports. I did receive a letter when I made my first request, however, my request was completly ignored, in which I followed up with a second request and then a third. I have attached the letters I sent and the lame response that followed. Cavalry has refused to verify this debit and they have ignored my written requests to do so. Each month they report this on my credit reports they are in Violation of the Fair Credit Reporting Act by reporting inaccurate information and in Violation of the Fair Debt Collection Practices Act, continuing collection activity on a debt which has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: CT

Complaint narrative:
I submitted CFPB Complaint # XXXX on XX/XX/XXXX regarding an illegally re-aged account XXXX XXXX XXXX XXXX on my credit report. So far, I have received an update from both XXXX and Equifax regarding their false and inaccurate reporting. Equifax claims that the creditor has confirmed that the false " date of first delinquency '' date that they are reporting is " correct ''. XXXX has " updated '' the information on the same account with a different " date of first delinquency ''. How is it possible for the 2 credit bureaus to investigate the same account and both get dramatically different results? 

Equifax XXXX XXXX XXXX  " date of first delinquency '' XX/XX/XXXX XXXX XXXX XXXX " date of first delinquency '' XX/XX/XXXX This shows that neither Equifax or XXXX  actually investigated anything and are willfully violating my rights under the FCRA by reporting inaccurate damaging information and have been ruining my creditworthiness in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I Mr.XXXX XXXX is having problems with a debt collection with Pressler & Pressler of having a substantial bill of XXXX with XXXX XXXX XXXX that was paid in full with my insurance company with XXXX Medicare during XXXX for my XXXX, This has been going on since XXXX until the present, I'am trying to closed on a house and I spoke to XXXX XXXX at XXXX fax # XXXX on Tuesday XXXX XXXX had said he want to resolve this issue, but I contacted The billing department of XXXX XXXX of whom is associated with XXXX XXXX XXXX the same day Manager name is XXXX number is XXXX whom sent my billing report that stated I owed XXXX balance, I immediately faxed to Me.XXXX XXXX and gave him several calls that and up til XXXX still no answer he and company Pressler & pressler seem as though they want me to pay for a bogus bill of what of which I owe nothing, I need to get this resolved asap, but no one has contacted me as of yet, Pressler & Pressler is located at XXXX XXXX XXXX XXXX , NJ XXXX , this is a bogus claim whom was file by a third party and I don't know who did it, but this issue is need to be cleared on my self asap, I need with this unlawful claim for it to be removed promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: U.S. BANCORP
State: WA

Complaint narrative:
I have never lived at XXXX XXXX XXXX XXXX, XXXX, OR. or XXXX XXXX XXXX XXXX, XXXX, OR I have never received a credit card, billing statement or late notice at my address XXXX XXXX XXXX, XXXX, WA I have asked for my original application for this card AND THEY ARE SORRY they are unable to get me that. It would show that XXXX XXXX was an AUTHORIZED USER and not a JOINT CREDIT CARD HOLDER They activated this card for him and let him change the mailing address and phone number. I am attaching my credit report showing the adverse information which will stay on my account for 7 years If you cant help me can you direct me to another agency that can help me. If not I will get an XXXX to help How did credit card companies get so much power

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 2021-04-17 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: NY

Complaint narrative:
I have asked XXXX XXXX and transition several times to investigate my credit profile with my disputes. if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

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 2021-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
I attended XXXX XXXX  College XXXX in the XXXX ( remotely ) from Fall XXXX through XX/XX/XXXX for the equivalent of a XXXX XXXX XXXX, paid using Sallie Mae loans. ( This is because the school, and the U.S. Department of Education, insisted that I was somehow unable to use my federal student loans for my attendance. ) Since then, Sallie Mae has been, at best, difficult. I received my degree in XX/XX/XXXX and they attempted to collect payments prior to my receipt of my degree. Then, after receiving my degree, I notified them that my current financial situation ( public servant, with a wife who is a XXXX, in XXXX XXXX XXXX ) and my inability to presently pay the loan. They argued with me. In early XXXX, I fought with Sallie Mae repeatedly, until a high-level Sallie Mae executive wrote me a letter saying they had created a new program that would allow me to defer my loans -- for only three months at a time -- due to financial hardship. Since then, I have been calling every three months to notify them that I am still a public servant in XXXX with a XXXX wife and that I still am not in a financial position to begin paying my loans. I also notified them, in XX/XX/XXXX, that I have gone back to school for a graduate degree in law from the University XXXX XXXX XXXX XXXX XXXX ( remotely ). 

Now, I am approximately 45 days from having to begin to make payments on my existing Sallie Mae loans, because they have determined that I am somehow no longer qualified for this deferment/forbearance program and/or that I have used the program for what they decided was somehow too long. This ignores the fact that I will be in-school until at least XX/XX/XXXX. This ignores the fact that I live in one of the most expensive cities in the country, but live on a XXXX federal salary, combined with the salary of a local XXXX XXXX XXXX  Although we have been getting our financial situation in order -- to include substantially reducing our non-student loan debt load -- we are not yet sufficiently financially stable for Sallie Mae to be demanding payments. 

Sallie Mae has been disruptive and disrespectful throughout this process, constantly inventing new ways to tell me that I must pay them money I don't currently have. These two loans need to have their payments delayed/deferred until XX/XX/XXXX, at least, due to my in-school status and my ongoing employment, domestic, and financial situations. Sallie Mae, however, refuses to cooperate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: NY

Complaint narrative:
Checkr 's did a background check for XXXX and XXXX in which it submitted inaccurate information. It was noted in the background check that I was convinced of XX/XX/XXXX in XXXX and XX/XX/XXXX XXXX in XXXX. However, those charges have since been reversed as of XX/XX/2020 and I am no longer convicted of those charges. I am a free man no longer convicted of any XX/XX/XXXX. I need this error to be corrected because the companies I wished to work for are not interested in employing a convicted XX/XX/XXXX. I have the necessary documents to show that my case has been reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: DISCOVER BANK
State: CO

Complaint narrative:
I have reached out to this creditor and the credit bureaus on multiple occasions. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and i have yet to get a response to my disputes. the Tradeline is outdated and paid in full. I would like the negative tradeline remove from my credit report.

Company response to consumer: Closed with explanation