vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
I have received 2 noticies on a debt owed to XXXX XXXX from Convergent Outsourcing, INC. in the amount of {$4300.00}. I have not responded to them because I do not owe this company any money, I feel it is a scam and i feel if I answer they will continue to send written data to my home. The latest letter has stated payment amounts to be made and sent to XXXX XXXX. Can you please tell me what to do next other than ignoring there letters.

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 2020-12-30 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: TX

Complaint narrative:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
We have requested Covid 19 help and got approval from Carrington mortgage. Just to find out that the company is doing nothing for us. They have posted bad credit for us also. This is wrong!!! Carrington does not follow financial legal practices. We have called in many times for help. Carrington always says they will help with given current pandemic and has damaged our credit. Congress is funding them and they are not helping people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My LLC has a checking account with People 's United Bank. We started with XXXXXX/XX/XXXX and then they were bought out and accounts transferred. 
This past year we have been charged account analysis fees monthly for XX/XX/XXXX/mo. It took calling the bank to learn it was because we had two two users on the account. However, the customer service folks could not tell me how to remove a user and thus get rid of the fee. I had to be transferred to the eTresury specialist. After waiting on hold over 30 minutes on two separate occasions, I did get through today after 40 minutes on hold. 
The representative told me I had to email the department to ask a user to be removed, but when I was unhappy with that action, I was transferred again to XX/XX/XXXX- who showed me on the site how to remove a user in a matter of a minute. 
I do not think I should have been charged for this fee over the last year having tried to get through to the bank to remove the user. It was easy to do once showed, but even 2 levels of their own Customer Service folks did NOT know how to do it. 
The bank needs to be better staffed to handle calls, the training needs to improve so folks know how to use their own system, and customers should not be charged fees they can not address easily or even understand as to why they are being charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-30 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I have applied for a refinance with my existing mortgage company. I was approved initially and have been waiting for approximately a month for the final closing. Freedom Mortgage has failed to communicate in any effective manner during this time and finally I called them only to find out my refi was denied for a late payment. Previously my mortgage was handled by XXXX XXXX at which time there has been issues with payments not properly being applied and transferred when the mortgage was sold to Freedom Mortgage. When I discovered this I began working with Freedom Mortgage to address and investigate where the payments went wrong. I provided proof and bank statements showing that I did indeed make all payments on time each month. I was put in forbearance to avoid any negative impacts and give me time to investigate/correct the errors. I have brought my mortgage current while in forbearance and applied for the refinance. I am not being denied with no communication or explanation. The loan officer assigned has refused my call as has his management. I have NEVER been late or missed a payment. I wasted a month trying to refinance with a company that clearly does not care about its customers.

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 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have a business card with Capital One and have for several years I have never missed a payment and it's the largest expense I have right now. When COVID hit like most small businesses we were impacted drastically and immediately contacted our creditors. I will say Capital One was great with deferring payments on the account when we were not able to pay it. I contacted them several times to try to get a smaller payment than the {$2000.00} a month on the high APR account. Every time I was asked numerous questions and then told they couldn't help me. I understand they can no longer defer payments but the deferment just caused me to be way over the credit limit and made a bad situation worse. I only want to close the account and repay the balance at a lower APR and lower monthly payment that does not seem unreasonable. Currently I'm not late past 30 days and I am trying to salvage my credit the only suggestion they gave me is to go to a debt settlement or consumer counseling program which will trash my credit and tell me to stop making payments to my creditors. This is not helpful and I really can't believe that is the only suggestion or assistance that Capital One would offer to a customer that is wanting and willing to payback the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my second time notifying the credit bureaus of my issue with identity theft. The accounts included in this dispute were not opened by me and need to be deleted from my credit reports immediately. 

I don't understand how they are still reporting these accounts after I have notified them of the issue. 

I am also a victim of the XX/XX/XXXX data breach so my information could be in several other peoples hand. 

Please delete these accounts immediately.

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 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Good afternoon, On XX/XX/XXXX and XXXX, XXXX my Transunion credit profile was pulled twice. That resulted in 4 hard inquiries on my credit report from Transunion. 

I am purchasing a house and this does not reflect positively and I am trying to fix this issue. I called the credit bureau and was advised to get a letter from XXXX XXXX XXXX requesting that 3 of the inquiries be removed immediately. 

The letter was sent by certified mail on XX/XX/XXXX and received on XX/XX/XXXX. 

On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX XXXX stating that the credit pulls were valid. The representative stated that the Dealer should have explained that they pull my credit, then send my information to XXXX XXXX XXXX XXXX who pulls it again. I stated that the dealer did not indicate that XX/XX/XXXX would pull my credit again and since they are affiliated can they send me a courtesy letter that I can send to the credit bureau requesting that 3 of the inquiries be removed. They declined stating that the 4 pulls that happened for one loan over a 2 day span was valid. 

I find this highly unreasonable as I would not be able to get a loan with them if I had bad credit and pulling my credit 4 times is definitely hurting my credit rating and scores for 2 years!

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 2020-12-30 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: FL

Complaint narrative:
I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and to remove these unknown accounts and inquiries. These accounts are definitely not mine. I kindly ask you to help me because I do not recognize these accounts. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

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 2020-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
First off, I finance my XXXX XXXX XXXX XXXX through Chase Bank, and not my normal bank, XXXX XXXX. I do not have an active credit or debit card through chase, however I do have a car loan account and that is all. All of my finances are banked through XXXX XXXX  where I actively have 5 accounts open through them. 

On XX/XX/XXXX, I believe, I logged onto my Chase bank app and scheduled my car payment to come out on XX/XX/XXXX, instead of the traditional XXXX of every month. With the XXXX being XXXX, I figured it was the responsible thing to do. Yesterday morning on the XXXX of XXXX, my payment for my car loan came out of my XXXX XXXX  checking account, {$390.00} as scheduled. This morning which is now XX/XX/XXXX, ANOTHER CHARGE for {$390.00} came out of my account, making it a double charge for my car payment. 

I caught onto this double charge and immediately started making phone calls! My first call was to Chase, in XXXX, CO off of XXXX XXXX, and they were very non-helpful and just directed me back to calling XXXX XXXX  ( where my accounts are located ) and left it at that! 

So after calling XXXX XXXX, those folks told me the right thing to do would be to call Chase back and speak to a manager about the situation. Although the XXXX XXXX  employee was very helpful and even said he could start the dispute but I wouldnt get my reimbursement funds in a reasonable timeframe he still thought that I would be better off taking up situation with Chase because technically it was their mistake in the first place. And even if it was a user error on the app, I should still be able to have access to my rightful funds when a transaction is disputed, right? 

So as of now, I talked to Chase once again in the Auto Loan department, and they have squared away the refund, BUT I wont have the funds available until XX/XX/XXXX? This is what angers me!!! I am currently on vacation ( we left this morning ) and now I am out basically {$400.00} that I can not use. The gentleman from their customer service department said that with the upcoming holiday XXXX XXXX XXXX  ) I wouldnt be able to access the refund funds until the XXXX of XXXX? 

WHY WHEN THEY ARE ACTIVELY STILL WORKING THE NEXT 2 days!!!! Why do I have to wait until the XXXX if they have employees working until the holiday?? I just want this squared away, and I would like my funds in the next day or so, so I can enjoy my vacation!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
There were three fraudulent cash advances and advance fees charged on my XXXX XXXX rewards card. The cash advances were total {$1500.00} and advance fees were total {$75.00}. The cash advances happened places I never visited. According to the credit card 's statement, the first cash advance happened on XX/XX/2020 on XXXX XXXX XXXX, XXXX, NJ, total {$500.00}. The second cash advance happened on XX/XX/2020 on XXXX XXXX XXXX, XXXX NJ, total {$500.00}. The third cash advance happened on XX/XX/2020 at XXXX, NJ, total {$500.00}. During those days I was never in those places in NJ as I live in XXXX. I have called the credit card company several times since XX/XX/2020 and reported the fraudulent activities. After XX/XX/2020 I received a letter from the company stating after their investigation those transactions are valid and they declined my fraud claims. Their reason is simply because it's a chip card. Now they say I am responsible for all the fraudulent charges on the card including interests, late fees incurred as I was waiting for resolving the issues. As a medical doctor working during those three days in XXXX, I can provide proof that I was not in those places during those three days. Thus, this is totally unreasonable for a credit card company to just simply put the all the fraudulent charges to a honest, five-year-long customer. As we know chip card technology is not 100 % safe.

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 monetary relief
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Received a threat that they will take me to jail. Not sure of the debt. 



This is the email below. 
ATTENTION- LEGAL ACTION FINAL NOTICE Inbox XXXX XXXXXXXX XXXX ( 5 hours ago ) to me Dear XXXX XXXX City : - XXXX State : - TX Zip : - XXXX S.S.N. : - XXXX XXXX, XXXX, XXXX My name is XXXX XXXX. From the National Credit Adjuster ( Attorney at law ), I want to inform you that there is a case file on your name in the amount of {$1200.00}. 

Case file No : XXXX As you are aware, you have a large printing debt of {$1200.00} that remains unpaid. We have given you more than enough time and every chance to resolve this matter outside the courthouse but you are not willing to resolve this matter. We will mark as a flat refusal on your account and take immediate action against you, we have repeatedly advised you of your long overdue balance in the amount of {$1200.00}. Since you have not made payment, now the company wants their money back so that is the reason why creditor has decided to forward your case file inside the courthouse. However, Our Company NATIONAL CREDIT ADJUSTER, would prefer to give you one last opportunity to make payment and avoid legal action, If once your case file gets downloaded inside the courthouse then you must pay {$15000.00} inside the court house including Court fees, Judge Fees, your bail charges, your attorney charges, extra late fees Penalty fees & interest and lots of more. Finally, your name and Social Security Information would be reported to the major credit bureaus of the USA, it would be affecting your XXXX scores and your social security number would be black listed. 



Bankruptcy filings can be listed on your credit report for 10 years. Most other debts can be listed for 7 years. ( M.G.L. c. 93, s. 52 ). 



If your credit is bad, you can work towards building good credit. 



( 1 ) Pay back the debt you owe.

( 2 ) Do not borrow money that you can not pay back. 



Explanation of Bankruptcy Discharge in a Chapter XXXX Case, That order does not close or dismiss the case. a creditor enforce a claim against the debtors ' property For example, a creditor may have the right to foreclose a home, mortgage or repossess an automobile. 

Your case file will be presented inside the courthouse on XX/XX/XXXX, Kindly let us know, If you are willing to resolve this case out of court so that we can offer you the settlement amount, If not then we have to download this case forcefully against you into the courthouse. 

Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse, Thank you. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, Alabama XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: IL

Complaint narrative:
My Identity was stolen By a unknown Identity theft all account open by this unknown theft are listed in this complaint.

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 2020-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am not aware of this debt nor do I believe I owe this debt. I disputed this with XXXX and they refuse to remove this from my credit report, The company failed to provide debt validation for this account.

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 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2020 I sent certified mail correspondence to the company requesting validation and proof of contract to substantiate their claim. They have not responded to my request. The company also never contacted me prior to furnishing information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I'm assuming that you either didnt receive my letter on XXXX or your just ignoring me I noted in my dispute misleading and unverified accounts that were just placed on my account without 100 % knowing if it was accurate. At this point it has been over 60 days since disputing with you and I have yet to receive a response which is a violation. I hope that we can get this issue resolved quickly and get the items i listed removed from my credit profile to show my true credit worthiness.

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 2020-12-30 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: DISCOVER BANK
State: FL

Complaint narrative:
Errors from DISCOVERY FINANCIALS SERVICES are being reported on my credit. The reporting information are inaccurate, last 4 of Account # XXXX was reported to the company as fraud and id theft because my cards were stolen from my wallet nothing was never done to help me as a customer and it is still reporting negatively on my credit with inaccurate information.

Company response to consumer: Closed with explanation