vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
This is a formal complaint against Convergent Outsourcing located in XXXX, WA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Convergent Outsourcing has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The company refuses to remove a creditor that was deemed a predatory lender. a settlement was reached and is not being recognized by Experian.

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 2021-04-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
Bank of America is reporting my mortgage as being late in XXXX and XXXX of 2020. BOA changed their mortgage system in XXXX. At that time I had cancelled an autopayment to an old account and my ex wife created a new payment plan. BOA attempted to take from both the old account and new. All the payments for the old account were returned but the payments from the new checking account went through just fine. Essentially they were trying to take double payments. 

My Ex wife has already sent them bank statements proving this. BOFA online banking also confirms that account was never late just returned payments from the old checking account. They removed the incorrect information a month ago just to report it incorrectly again. This is clearly a violation of FCRA. 

The previous dispute case with BOA was Late Payment Dispute Case # XXXX I've included the previous email to BOA including what online banking shows proving they're incorrect.

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 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
I have a letter from XX/XX/XXXX from a debt company called afni written to settle for {$79.00} for a debt they assumed is {$120.00} from XXXX. 

I called XXXX several times and even made an appointment to a local store to discuss the debt. No one from XXXX has been able to justify that debt for me after 3 months of calling and asking. 

From my record, I have paid my monthly dues to XXXX and when I stopped using XXXX as my utility company in XXXX, they issued a refund to me via check. And now 3 years later they sent my account to collection. 

I have tried to apply for a loan recently and that XXXX case has brought my credit score down and unable me to get my loan approved. I usually pay my bills on time and never miss one but this is affecting me a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
Texas had a ice storm that shut down the whole state of Texas..target card services shut down the payment processing facility in texas. 
No fault of my own I mailed numerous payments to target red card account.. 
Delays made payments late and now they are reported to the credit reporting agencies as late I wrote letters and called numerous times no response..they told me I should of and would of pay it a different way like i knew the payment would be late because of the texas ice storm that shut down everything.. 

I called numerous times to get it resolved and getting the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Credit Card and its Credit Bureau Disputes Dept. closed both of the credit card accounts listed below and sold them to XXXX XXXX XXXX XXXX. 

XXXX XXXXXXXX credit card closed by Comenity on XX/XX/XXXX. 

XXXX XXXX credit card closed by Comenity on XX/XX/XXXX. 

XXXX has removed both accounts from the credit report under the " Collections " section but Comenity still shows this account as delinquent under the " closed account " section of my credit report.

I called Comenity regarding the concern and I was told that they were unable to provide any information on these closed credit card accounts as it pertains to them being removed from my credit report, although they removed the XXXX XXXX XXXX account which was in dispute. 

I advised that all credit card accounts listed needs to be removed as they're still looking like outstanding items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-04-15 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: Georgia Student Finance Authority
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This is a formal complaint against LVNV Funding located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, LVNV Funding has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I received a notice from Aldridge Pite Haan ( APH ) in regards to a past due debt owed to XXXX XXXX on XX/XX/XXXX. 

To my knowledge, I have no contractual obligations or have never had a business relationship with XXXX XXXX. My wife, XXXX XXXX, called APH on XX/XX/XXXX immediately upon receipt of this letter, she was advised that I was being sued for this debt and had the opportunity to resolve it, per Mr. XXXX. Not understanding who APH and XXXX is and why they would be suing me, she asked them to provide validation of this debt. 
Shortly thereafter, I received the documentation showing I owe a balance to XXXX who purchased a charged off debt from XXXX XXXX on XX/XX/XXXX. While I am familiar an outstanding debt to XXXX XXXX, the documentation attached is an incomplete/invalid validation of debt. For the following reason, this account remains in dispute. 

When XXXX XXXX charged off this debt, they sent me a XXXX - debt cancellation form and reported to the 3 credit bureaus that this was charged off. Therefore, XXXX XXXX  is no longer pursuing this item for collection. 

XXXX XXXX did not send any documentation indicating they acquired this debt. Furthermore, the first notification in regards to this debt being owed to XXXX was from their servicer, APH who is now threatening litigation on the past due balance. 

The last payment made on this account was on XX/XX/XXXX. The exhibit indicates the debt was sold on XX/XX/XXXX, which is prior to charge off. My account with XXXX was still active at the time the exhibit indicates the debt was sold to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Paid final payment and Capital One sent email voicing payment was received and title would be transferred once payment cleared. XX/XX/2021 payment made for {$730.00}. Capitol one closed account and app. On XX/XX/XXXX, I noted an email stating I had a payment due. I returned to the app and noted that it was reopened and said I owed {$730.00} again. I called Capitol One, XX/XX/2021 and they said upon account review a system error was noted. The representative reassured me that the account payment would be reapplied and no additional charges or principle would accrue. XX/XX/2021 I noted the account still reflected my payment was " returned by COAF '' multiple times. I called Capital One and the rep voiced that the payment was returned multiple time due to " insufficient funds '' or " wrong account number '' I contacted my bank and was notified that the payment was not returned. I notified Capital One that the payment was not returned. I was asked to fax my bank statement, I requested email due to security issues with faxing. I was told I could not email. I requested documented proof that payment had not cleared and was told this would be emailed to me. I did not receive the email. I was notified the specialist, XXXX would return my call XX/XX/2021. I called Capital One on XX/XX/2021 to notify that my bank had reviewed the account and that my payment was not returned and that I had my bank statement to forward. I requested email again for security and was again denied the email address. I was told to fax and I asked to whom I should attention the fax to. I was told that there was no one to attention the fax to. I asked to be transferred to the specialist. The representative told me the specialist office was closed and that the transfers would not go through. I was notified that it would now take 3-5 days to review my account when prior I was given the time of 24 hours..

My complaint concerns : an Auto Loan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RICHLAND HOLDINGS, INC.
State: LA

Complaint narrative:
I was accused of damaging a room ( Door Frame and Door ) at the property address located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Nevada XXXX ( XXXX ) ; during my stay between the dates of XX/XX/XXXX XX/XX/XXXX. This frivolous accusation is 100 % false. On XX/XX/XXXX when I checked out of the room, the dwelling was inspected before check out was completed. I turned in the keys and the bill was paid in full and I left the property. The incident in question took place after my check out and departure ( The Staff contacted me over 48 hours later to inform me of the damage ). Therefore by law I can not be held accountable for whatever occurred in an empty unit after the lease/agreement has come to an end and all bills/ ( and or ) fees have been satisfied. I have also contacted XXXX XXXXXXXX XXXX on XX/XX/XXXX. I spoke to the current Property Manager Mr. XXXX. He informed me that I was cleared from the unit with no outstanding bill/ or fees at my departure. Mr. XXXX also notified me that the cost to replace a door, and its frame is {$900.00} ( Door {$500.00} and Frame {$400.00} ) but however the credit collection company : XXXX XXXX XXXX XXXX XXXX XXXX has place the ludicrous amount of {$2900.00} on my account. This is in clear violation of the Fair Debt Collection Practices Act as Amended by Public Law 111-203, tittle x, 124 Stat. 2092 ( 2010 ). Section 15 USC 1692, Section 807 False or Misleading representations 2A, 8, Section 808 Unfair Practices, and Section 809 Validation of debts. Your immediate assistance is appreciated in helping me to resolve this matter.

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 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I requested a credit increase on my business ( XXXX XXXX XXXX ) credit card with Capital One, only to be denied for what they say was " You have to many inquiries '' they also show my score as a XXXX, but my XXXX score is over XXXX and all of my credit cards have great payment history, this is open racism. They once told me I could get a increase after I had my card for more than 14 months then they said 16 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: NY

Complaint narrative:
I contacted the three consumer reporting agencies, Equifax, XXXX, and XXXX and let them know I am a victim of the Equifax data breach and my social security number was compromised. I am a victim of Identity theft. I didn't know at first so I only did the Identity theft affidavit. I got some letters from them saying that they couldn't block the information because I didn't provide an Identity theft Report. So I filed an Identity theft Report and sent one in certified and didn't get any response from them. This is not fair. There taking advantage of the law. I don't deserve this. How am I truly and identity theft victim and they choose not to help me. This is extremely unfair. I don't feel protected. I feel defamation of my character. My intent is to sue if Consumer Financial Protection Bureau can't help me. I have proof that they have my Identity theft affidavit on file so I will upload proof of that along with my Identity theft report, the notarized letters I sent them, My ID, My utility bill and that should be more than enough information for them to remove the accounts. No consent is Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: IL

Complaint narrative:
these bureaus are falsely reporting alleged debt which is a FCRA section 807 violation 15 USC 1692e. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
I relocated from XXXX to XXXX around XX/XX/2020. I telephoned, and wrote the bank on several occasions to close the account without success. I just received a letter from the bank stating the account is dormant and I will be charged a fee. That's not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: P&B Capital Group, LLC
State: TX

Complaint narrative:
Stop sending text messages and stop calling. They arent clear what the debt is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
The company refuse to comply with XXXX Law, this law states : Exempt from fee per GC 27388.1 ( a ) ( 2 ) ; recorded concurrently in connection with a transfer of real property that is a residential dwelling to an owner-occupier also " All instruments necessary to transfer ownership, relinquish debt and secure new debt recorded in a single transaction will be considered to be in connection with an exempt transfer, if an exemption is declared and presented with the document. 

The Bank of West did not declared and asked for exemption for me when they summit the documents to XXXX XXXX, they are responsible for their mistake. 
I've filed complain to both XXXX XXXX  and XXXX XXXX and they have refund the fee. So please comply with law, otherwise, I smell class action for Bank of the West. 

My loan # 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 2021-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: MO

Complaint narrative:
SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNTS : NATIONWIDE RECOVERY SYSTEMS OPENED : XX/XX/XXXX AMT. XXXX NATIONWIDE RECOVERY SYSTEMS OPENED : XX/XX/XXXX AMT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
I am currently going through a security clearance with the XXXX. I had a debt with XXXX XXXX ( original lender ) that has been transferred to Mountain Lion Acquisitions. I called them on XX/XX/XXXX at 1108hrs. I spoke with XXXX and my financial counselor attended this telephonic appointment. When we asked to be placed on payment arrangements, XXXX disclosed that my balance was {$17000.00}. This loan was taken out in XXXX of XXXX. I made 3 payments of {$360.00} for a total of {$1000.00}. After that time, I was unable to continue payments. My current credit reports list this debt as having a balance between {$2600.00} and {$4100.00}. I asked why the balance was so high and he explained that the interest rate was 186 %. He said he could stop interest from accruing starting today and that he could possibly reduce my amount owed but refused to lower it to the amount listed on reports of {$4100.00}. I asked for a settlement of {$4100.00} with payments of {$200.00} per month auto debit until the balance was paid in full. He could not do this and it was at this time I requested he validate the debt.

Company response to consumer: Closed with explanation