vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX CONVERGENT OUTSOURCING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the  XXXX District oXXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX  XX/XX/2017 XXXX {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I was approved for a Capital One Credit Card ending # XXXX and been making timely payments over {$25.00} in which I pay {$100.00}, {$150.00} and {$300.00} to keep my utilization usage under 30 % so my credit scores keeps increasing. 

On XX/XX/XXXX I applied for a Capital One Visa Card and I was declined because of my XXXX and Retired status and Lifetime XXXX Pension Retirement Income in which I receive monthly of {$4500.00} with a 3 % percent COLA increase every year on XXXX XXXX.as my XXXX income and Cost of Living increases is Lifetime. 

On XXXX XXXX I received a very Retaliating and Discriminating against me as a XXXX XXXX Military XXXX. 
Letter stated that a payment was returned in which this is false accusations I called Capital One and my XXXX XXXX to stop the payment as I implemented another payment amount of around {$150.00}. 

Than XXXX letter says that my average monthly payment has been low, and this is not true, because if Federal Government can conduct a investigations. 
Capital One can be subpoena for my payment history on Federal Investigations in which I am requesting. 
Mt Capital One Mastercard # XXXX limit was {$500.00} than around XXXX.or XX/XX/XXXX I receive a {$250.00} credit increase in which it made a credit increase of {$750.00}. 
With my credit scores of XXXX I should have received a higher credit limit as I am in California and Cost of Living is expensive. 
Also, {$750.00} is not enough for travels as a major credit card is needed to travel and rental cars, etc. 
I am XXXX Lifetime and Capital One has violated my XXXX XXXX XXXX.under Department of Justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Rocket Mortgage/Quicken Loans like to do the bait and switch. I applied for a XXXX mortgage loan. I was then contacted by XXXX XXXX who said that he would need to run my credit and upon finishing that, I was PRE-APPROVED! Now to ensure everything would be ready when I found my dream home, I would need to submit all my documents and provide all my personal information to go ahead and close on the loan now. I was quick about providing everything and they even set me up with a realtor to " start looking for my dream home ''. I decided to download the app to stay on top of everything and found the loan amount to be around XXXX. I immediately called XXXX and asked what was going on because we discussed XXXX but that is not showing on my portal. He put me on hold and " pretended '' to be confused as well. He then tells me that my credit does not support a XXXX loan and it won't be able to be closed. Why was this not disclosed before I provided all of my personal information and documents? 

I ask XXXX why this happened and why he was not honest about the amount I was pre-approved for and he states that the change happened in another department. What?! It made no sense. Needless to say, I ended my business with them immediately. A month later I get a text asking for permission to run my credit to get me to closing ... .what??? You guys are trying to trick me again, I tell them they do not have permission and that I did not appreciate the bait and switch just to gather my most sensitive and personal information. The " senior '' specialist named XXXX XXXX said he was " Sorry I feel that way. '' I informed him it was not a feeling but what actual transpired. I am filling this formal complaint so others are aware of these unethical practices. No one should be lied to, just to gather personal information and then offered almost half of what was originally offered via " pre-approval ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC
State: IN

Complaint narrative:
I have been contacted by Capital Accounts daily since the end of XX/XX/2019 in regard to some medical debt from XXXX XXXX. They immediately asked me my intentions to correct this debt. I never received a physical account summary, so I had them email me said document. On XX/XX/XXXX and XX/XX/XXXX, they emailed me this document. I inquired in one of the daily calls, how I can pay this account online. They directed me to their website, which was on the account summary. There are 2 options ; One is an immediate one time payment option, which I told them I am not comfortable with because I want to track what I pay them for my records, but that will pull up my account correctly. The other option is a link to " other payment options '' which I input my information into and it says it can't find my account and to contact a rep via phone. I have told them multiple times I am attempting to verify my account on their online system with some type of portal login so that I can track what I pay them and have records. They say their system doesn't work that way. Every time I ask them why or tell them I need documentation of what I pay them, they abruptly bid me a good day and end the call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX   {$620.00} XXXX XXXX - XXXX XXXX XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} PORTFOLIO RECOVERY SYSTEM - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX  AND XXXX {$0.00} BALANCE XXXX/XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH PORTFOLIO RECOVERY SYSTEM {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX XXXX - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES XXXX XXXX XXXX  ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. 
I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX  XXXX XXXX Val {$620.00} LVNV FUNDING - XXXX XXXX XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} XXXX XXXX XXXX - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX AND TXXXX {$0.00} BALANCE XXXX  IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX BANK - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. 
I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Requested a credit limit increase with Capital One, Was given a denial due to a frozen credit report. Credit reports are all unlocked. Error on Capital one 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
A man came to fix my furnace. He told me to pay him advance for the services, he said he would buy the part and then return to my home to fix my appliance. I paid him through XXXX XXXX. The man never returned- it seems now that the man has run this scam on others before. I paid him {$120.00}. My house was cold, I found the part myself, I fixed my furnace myself. I was assured by Bank Of America that I could submit a claim and my money would be recovered. Bank Of America waited 90 days to tell me my claim was denied. I submitted proof that the man never fixed my furnace again, Bank Of America waited another 90 days to tell me this second claim was denied. BOA says XXXX XXXX is a third party and they can't recover the money through them, it can only be recovered from a vendor. By now, XXXX XXXX has most likely considered my claim too outdated to consider. The man has scammed me, Bank of America wasted my time and XXXX XXXX considers the claim too old to investigate. 

The learning lesson is to not pay people in advance for work. Also beware that Bank Of America will not always refund your money as they say ( you are not always guaranteed through BOA ) and XXXX XXXX will not work in favor of the buyer.

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 2019-03-20 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: Comerica
State: NJ

Complaint narrative:
On XX/XX/2019 around XXXX XXXX I used an ATM in XXXX XXXX  XXXX XXXX XXXX XXXX Fl.. The ATM was owned by XXXX XXXX XXXX. I put in my XXXX XXXX Master Card and requested a cash withdrawal of {$80.00}. The transaction ended with no receipt and no funds dispersed. I asked for the manager and she explained that XXXX has no affiliation with XXXX and to call them direct. The XXXX was debited from my account. 
I called XXXX and they told me only my XXXX XXXX credit card company could handle this mater or file a dispute. I called XXXX XXXX and completed their affidavit of fraud. I was given provisional credit, but almost 2 months later I received a letter indicating the dispute was rejected. While a tracking number was provided, no dispute resolution number was indicated on the letter to allow me to followup with the credit card company. I managed to get through to a Tier 2 agent after a Tier 1 agent hung up on me when I questioned why she was asking for my social security number. 

The Tier 2 agent from XXXX XXXX Master Card indicated the merchant had represented the debit and said my card was charged and told me to handle it myself as they can not do any more for me or get a video pulled.. I agree, my card was charged - but no monies were dispersed from the ATM for that debit to my card. When I did not get my monies or receipt from the ATM I called store manager promptly and followed the correct procedure. There are cameras on ATMs that could validate that no funds were dispersed and my credit card company is claiming there is nothing more they can do. This is deplorable - so XXXX  answer the monies were debited we know that but they were not dispersed. I don't have access the video to prove I'm correct, but they do and my credit card company should pursue this on my behalf instead of hanging up on me and basically telling me that this is all they can do - they did nothing. I want my {$80.00} credit back on my card. XXXX XXXX agent XXXX which I spoke to on XX/XX/2019 around XXXX XXXX  just said sorry and hung up on me. 
Videos do not lie. 

Concerned Senior Citizen for all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX  XX/XX/2017 XXXX {$17000.00}

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 2019-03-20 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XX/XX/2017 XXXX {$17000.00}

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 non-monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I recently charged an item for {$21.00} When the statement arrived it was paid in a timely manner. inadvertently the payment made was {$.00} short at {$21.00}. there were no additional charges were made during the next billing cycle.The next statement received showed a late fee of {$21.00} plus {$1.00} of interest plus the {$.00} short payment from the previous month for a total of {$22.00}. Ultimately a credit was issued after much debate and my request for a waiver which was granted for {$15.00} My concern is that for a balance of {$.00}, the company could charge me what amounts to in excess of 100 %. is legal? 
The company in question was XXXX XXXX  XXXX in Florida XXXX #... XXXX Is this much fee and interest legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Butte County Credit Bureau
State: CA

Complaint narrative:
Complaint : I communicated with this Bureau previously about debt ( s ) and inquired why was the debt listed on my credit report in XX/XX/2017. I made the Bureau aware that I had no knowledge of the bill because the hospital did not notify me by mail or any other form of communication to my knowledge. I wanted to resolve the matter so I informed the bureau that I had medical insurance and instructed them to contact my medical insurance company to see if they would retroactively pay the bill. The Bureau agreed and said they would contact me later to inform me of the outcome. I updated my information with them so they could mail me any updates concerning the matter but they failed to do so. Consequently, the debt is still on my credit report. I never received nothing in writing in regards to the bureaus communication with the insurance company nor the dispute. Not even a call. I recently requested the Bureau to dispute the matter for me and they refused. I informed them that I wanted a statement of account and to remove any negative reporting from my credit until I'm given written verification of the account and also a chance to resolve it esp. due to financial hardship at this time. The Bureau acted rude and very unprofessional as though they did not want to resolve the matter nor did they want to file the dispute. I should of had a fair opportunity to resolve it before the hospital sold the debit to a third party collection agency and filed a negative report ( s ) to a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
Yesterday I attempted to transfer money using Western Union to a  company in XXXX to purchase scientific software. After going through their on-line procedure and providing the information money transfer services usually require, Western Union asked for the username and PASSWORD of my personal BANK account. Please understand I'm not confusing them asking for my Western Union account password - I was inside their system already when this occurred - they asked for my banking password. I feel the need to report this because no company or person EVER legitimately asks for the access password to a customer 's bank account. If someone at their company obtained that password, they could withdraw all of my money, manipulate my mortgage, bank loans, credit cards and so forth. And of course, the consequences of such a company being hacked are gigantic. This is a totally illegitimate business practice which surely must be illegal and I am attempting to notify the government of its existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have called Experian and XXXX  at least a dozen times each in the last 24 hours, in an attempt to resolve a negative public record issue on my credit report. I have spent half of the time on an automated system, unable to reach a live human being. The other half was spent reaching a live human being, outsourced from XXXX. The customer service representatives were professional, but the language barrier made it impossible for us to communicate. I had often had extreme difficulty understanding the representatives broken English, and in like manner, the representatives did not understand my issue, nor my plea for a resolution. I was at one point instructed to " go to the courthouse ''. Needless to say, the federal courthouse advised that this was an issue outside of their wheelhouse.

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