vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC, they are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

I am giving ENHANCED RECOVERY COMPANY , LLC, the opportunity to solve this matter amicably and avoid time and money spent in a legal process. I am contacting you regarding my ENHANCED RECOVERY COMPANY , LLC, account : Account Information : Account # : XXXX Date Opened : XX/XX/2020 Account Type : Collection Balance : {$0.00} The account has been re-aged, I was excessively called and harassed despite telling the collectors not to call my phone thought an auto dialer. I told them this was not a valid debt and they not only failed to mark account as disputed, they kept on insisting that I MUST pay and there is no other option. I was told if I paid the item would be removed from my credit report, which didnt happen+ Remedy : deletion account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
This company has been attempting to charge and collect amount from me by assigning this account to a different persona. I have made my part by reaching out to them and to the 3 major Bureaus. But to my surprise, I have not received any response from both parties. Thus, their act of negligence is highly not acceptable. I have made my research about this matter and by then the Bureaus have violated the Credit Reporting Act, 15 USC sections 1681i within the time set forth by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked. 

Account No : XXXX  Amount Disputed : 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 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ERC
State: TN

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX I made the final payment on my XXXX XXXX XXXX to JPMCB Auto Finance, for {$180.00}. On XX/XX/XXXX the electronic check cleared my bank. Since then they have admitted they received payment but they can't track it down in their system. I have made several attempts to clear this up with them and spoken to several senior account managers with no results. I have a copy of the electronic check. they also keep changing the date for the completion of their investigation. This has now shown up on my credit report as over 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Oklahoma Student Loan Authority
State: OK

Complaint narrative:
Concerning Oklahoma Student Loan Authority XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX XXXX XXXXXXXX XXXXlahoma XXXX, OK XXXX OSLA is reporting my student loan a being sent to collections in XXXX of XXXX, they still have not update or fixed this problem. This loan was discharged due to TOTAL and XXXX XXXX of a XXXX veteran on XXXX XX/XX/XXXX. The other problem is that there is a moratorium on student loans payments from the COVID-19 relief bill and no student loans should have been sent to collections. This is a total mismanagement of student loans by OSLA. This is hurting XXXX veterans, that have served this country. This is showing on my XXXX, XXXX, and XXXX  ad being sent to collections in XX/XX/XXXX and closed on XXXX of XXXX, however the part of it being sent to collections in XX/XX/XXXX is still showing up. The part about is being sent to collections in XXXX XXXX need to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
On approximately XX/XX/XXXX ( and many times thereafter ), I had my credit reviewed by the VA home loan center. During the initial credit check, the collection account for XXXX through CONVERGENT OUTSOURCING was not listed. Furthermore, there was no indication of a past due balance owed to XXXX at any point until today XX/XX/XXXX. This debt collection agency purchased a 7-year-old debt for pennies on the dollar and is attempting to collect an inflated amount. Not only has the statute of limitations ran its course for this account, but it is currently listed as 'charge-off/ uncollectible ' with XXXX  How despicable does this agency have to be to firstly, fail in providing us a payment option if it were still collectible and secondly, failing to provide sufficient notice prior to this account being placed on my credit? Ultimately, they are hindering a home loan approval with their egregious attempt to collect on an already 'charged-off ' account. After speaking with and being transferred to several agents of theirs, we were met with uncaring associates and no options but to pay the {$330.00}. After explaining the proof of the legal timeline for this old account, the agents said they can only go by the dates they obtained it.

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 2021-08-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/2021, the application was submitted to wells Fargo bank, which hold my mortgage for many years. I own this house for 27 years. the application was denied. I was told by a home mortgage consultant that it was denied due to my tax return, the other consultant told me that they take off 30 points from my credit score. then I received a letter that states that : 1. Time since most recent account opening is too short 2. number of banks or national revolving accounts with balances 3. too many accounts with balances 4. Too many accounts recently opened

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 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX II I and I do not have a contract with FIRST FEDERAL CREDIT C plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect times on my credit report. I have submitted my disputes over 30 days ago. I still have not received any communication for the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: Credit Plus Inc
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect times on my credit report. I have submitted my disputes over 30 days ago. I still have not received any communication for the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: First Texas Auto Credit, Inc.
State: NY

Complaint narrative:
Hi my name is XXXX XXXX and this is my second complaint my car was repossessed on XX/XX/2021 at XXXX in front of the homeless shelter that my family and I stay. When I found out about the repossession I was told that I could not get my vehicle back even when offered to pay the full balance. First Texas Auto Credit has not made any adjustments to help with payment my family and I. I have mailed them affidavit of their violations. And they still repossessed my vehicle, Even MrXXXX XXXX XXXX one of their reps XXXX was very rude even sighting that we are homeless and I dont know nothing about this business. Their actions is atrocious and unprofessional, because the same position that my family is in due the current pandemic can also happen to him Mr. XXXX. I am demanding my vehicle back, with the title because First Texas Auto Credit has made several violations according to XXXX. And cause major pain and suffering to my family and I.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
NCA has repeatedly attached 2 accounts to my social security number and refuses to remove them, validate the debt, show proof that they are allowed to collect in California. I am a victim of identity theft. One of these debts is from Georgia and the other is from Kentucky and neither of the names match mine. I have contacted them numerous times and they remove and then add it to my report again knowing that they are intentionally harming me with an unvalidated debt. Neither of the accounts that they attach to me belong to me and they are trying to collect on debts that are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I refinanced my vehicle. The payoff has been received by my previous finance company and verified by my new one. This has been almost 2 months ago and the previous company has still yet to apply the payoff funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX

Complaint narrative:
XX/XX/2021 contacted First Continental payment processing Issued payment via bill pay Company never applied payment or followed up with my serval request for assistance Company sold mortgage and all parties failed to notify applicant ( 609 ) ( g ) ( I ) ( D ) to date XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD bank, checking account opening bonus {$150.00} Received a mail in my mailbox as they say give me {$150.00} bonus when opening a checking account and finish a direct deposit totaling {$500.00}. 

Finished it several months ago, but no bonus posted. Tried to call them a lot of times, they said the bonus will be posted in 90 days and told me to wait. 

Then after 90 days, tried to call them again, they said Im not qualified for the bonus because I have to meet the mail requirement which is the mail has to be under my name. 

As far as I know, the mail said dear resident, if they say my name is not resident, that will make me laugh a lot. Also, they never told me all of these until last week. Its totally fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I, XXXX XXXX, have a Bank of America ( BOA ) joint checking account with my mother XXXX XXXX. The account number is XXXX. In XXXX of XXXX, My mother and I requested that my sister, XXXX XXXX, be added to the account. XXXX and XXXX are located in NC, and I am located in MA. The three involved parties went to thier respective BOA offices, filled out the required paper work, had them notarized, and the forms were submitted by BOA for processing. By XXXX, XXXX had not been added to the account. The three involved parties again went to BOA branches, and told representatives again about the request, and that the transaction had not been completed. We were assured by BOA that the problem would be resolved. By XXXX, XXXX had again not been added to the account. I went to my branch at XXXX XXXX XXXX in XXXX MA and spoke again to respresentative XXXX XXXX ( XXXX ), who again promised to resolve this problem. I gave him a week to resolve the problem, which expired on XX/XX/XXXX. I have had no communication from BOA since then.

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 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
XX/XX/2021 I ported my phone services from XXXX to XXXX XXXX XXXX. I had a final bill from XXXX which I paid off in the amount of {$1700.00}. This was paid off from bank card with XXXX XXXX XXXX XXXX on XX/XX/2021. On XX/XX/2021 XXXX XXXX alerted me that I have a collection from Convergent Outsourcing original Creditor - XXXX. I have contacted XXXX and they have told me that I need to contact Convergent Outsourcing. XXXX refuses to go over the bill with me and Convergent Outsourcing just keeps asking for payment. At the end of XXXX I did receive a paid in full balance receipt from XXXX which I did not keep because I did not think I would need it again. I have attached a copy of my bank statement showing Ive paid them. I marked in RED showing the debit from my account. I have also attached a copy of my XXXX XXXX XXXX initial bill showing when my services were transferred over. Please remove this debt because I owe nothing.

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 2021-08-16 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: Auto Trakk, LLC
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2021, but no response was ever received from them up until now. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the item that are still reporting on my Credit Reports : XXXXBalance {$8600.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Universal Payment Corporation
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CO

Complaint narrative:
Hello, I recently purchased a home with Home Point Financial ( Loan # XXXX ) but lost my job due to COVID right after closing. I explained this to Home Point via phone call and they promised me a forbearance program, which wouldn't negatively affect my credit. However after the second month of forebearance, my credit was hit with a 60 day late! Fortunately I was able to borrow money from a relative to make up those payments and exit forbearance as I began a new job, however Home Point has refused to remove the late payment reporting, although they agreed to a forbearance program for me! Their representative even told me over the phone that it was currently illegal for them to report late payments. Is that true? Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Ridiculous high interest and criminal business practices in the state of OHIO. INTREST is accumulated daily. I've paid three times the loan amount on a 2004 vehicle. The company is ONE MAIN FINANANCIAL based out of TEXAS. PLEASE HELP THEY CANT TREAT HARD WORKING PEOPLE LIKE THIS!!!!!!

Company response to consumer: Closed with explanation