vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I called to settle a debt with convergent outsourcing for {$1000.00} and was told I will get an email confirmation about my debt being paid and havent received the email. I was told that the debt will not be paid to be deleted from my credit. Im in the process of repairing my credit

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 2019-03-04 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: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
I have sent 3 dispute letters to both XXXX XXXX, XXXX, XXXX XXXX and 3 credit bureaus in regards to failure to verify my account. They have continued not to provide me copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. They continue to send me to account statements which is not a proper form of verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: Firstsource Business Process Services, LLC
State: AZ

Complaint narrative:
I have sent 3 dispute letters to both First Source, XXXX, XXXX XXXX and 3 credit bureaus in regards to failure to verify my account. They have continued not to provide me copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. They continue to send me to account statements which is not a proper form of verification of debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a collection on my credit report, reported by XXXX XXXX that originated with XXXX XXXX XXXX for a home that I rented through them. We were there throughout the term of the lease and had complained several times that the home was bug infested. Once the term of the lease had ended, I did a walk thru of the home with the Landlord and was told that everything looked fine. I then received a letter that I would not receive my security deposit back and that the home was damaged due to a bug infestation. According to Texas Lease Law - the Landlord must send me the balance of my security deposit along with a list of damages and costs for any repair. I have never received an itemized list nor do I  have any idea of how they came up with this balance owed. This is a violation of the lease law and I request that this item be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
On XX/XX/2019, I sent a validation to enhance recovery asking them to validate, i requested proof that I am indeed the party they were asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I asked for a signed contract. 
Instead the documentation I received was a copy of a phone bill statement, What Did the COllection agency use? what did they send the credit bureaus to verify that the account was accurate and please ask them to validate the debt. 
If they are unable to validate this debt all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: CHARLES SCHWAB CORPORATION, THE
State: GA

Complaint narrative:
On XX/XX/2019 a hard inquiry by Charles Schwab Bank was made without my authorization. I called them sent the bureau a request to remove it from my credit report. They did not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing this letter to help investigate why the three credit bureaus XXXX, Equifax, XXXX have ignored the certified and notarized letters I have sent on XX/XX/2018 to them to correct my personal information that they have on file. The only thing they did was send me a copy of my credit report but they did not update any of the information I asked for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing this letter to help investigate why the three credit bureaus XXXX, XXXX, Experian have ignored the certified and notarized letters I have sent on XX/XX/2018 to them to correct my personal information that they have on file. The only thing they did was send me a copy of my credit report but they did not update any of the information I asked for.

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 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I discovered on my credit report that there was a credit account opened under my name at J.P. Morgan Chase Bank, N.A. I have attempted to contact the bank multiple times however they kept transferring me to different departments. I have never had banking relationship with this Bank and their reporting in my credit report, when I disputed it with the credit reporting agencies, they asked me contact the bank directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage ( Loan # XXXX ) has not followed the rules clearly outlined for mortgage servicers by the CPFB under the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 and is therefore in violation by not identifying and communicating with " successors in interest '' since the demise of the original borrowers. As requested by telephone discussion with Freedom Mortgage on XX/XX/XXXX, court documents and death certificates were submitted ( emailed ) to them confirming the death of the original Borrowers with property being willed to their daughter who also resides at the residence. Freedom Mortgage sent confirmation of receipt of those documents. Despite numerous documented directives and communications since, Freedom Mortgage has not contacted or communicated to the heir and has rendered further harm to the " successors in interest '' by postponing required actions, not communicating loan information, unilaterally paying erroneous taxes assessed on the property without consulting the " successors in interest '' and has now tendered a notice of default with intent to initiate the foreclosure process.

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 2019-03-04 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: OK

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 {$450.00} XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The documents attached provide all info. I have unrecognized and unauthorized inquiries. 

I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I deposited a {$550.00} check on my phone on XX/XX/XXXX on the Wells Fargo app but it immediately got debited in my account and marked as a duplicate even though there wasn't a duplicate deposit. 

I call them and they said that they can't do anything on their end and that I have to go to a branch. I go to a branch on XX/XX/XXXX, tell the banker what was going on, and deposit the check. The next day it gets debited from my account again. 

I go back to the bank to ask what's going on and they open an accounting case and that I'd hear from them in at most 10 days. I get a letter in the mail on XX/XX/XXXX stating that " We have reviewed your case and a debit card adjustment of {$550.00} has been processed to your account on XX/XX/XXXX '' which is just restating the problem that I had in the first place. 

I've been calling them and visiting branches fo a month and I just get passed around to different people because they all say they can't do anything about 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 2019-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: MA

Complaint narrative:
CMRE Financial Services , INC, acting on behalf of XXXX XXXX XXXX XXXX, XXXX, Texas, reported to my credit agency that I had not paid a medical bill ( {$1200.00} ). The adverse report decimated my credit score and I will very likely be unable to purchase the house I was intending to buy this year. Also, I am currently going through a routine background investigation for work with the federal government that will now include a massive drop in financial score and delinquent account. 

The doctor billed the wrong insurance company. The office billed the VA rather than XXXX. I was not notified nor did I have the opportunity to resolve this prior to the debt collector taking action against me. 

My life has been ruined by a measly medical bill not being billed correctly by XXXX XXXX and not researched by CMRE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019, I opened escrow on a property with One West Bank 's home mortgage division, this is after multiple calls with the lender to get timelines and list of documents. On the same day, I sent ALL of the documents on the list of required documents to XXXX XXXX, the loan officer, no missing files. On XX/XX/2019, I called XXXX and she informed me that I need to sign some documents online. I immediately went online to sign and notice there was a mistake on one of the forms and told her to get it corrected and send back to me. It wasn't until XX/XX/2019, 10 days later, I called her to followup since I haven't heard anything, she told me that NOTHING has been done on their end and when I logged into their online portal, the wrong form was still in there. I asked her to get the processor to change the form. Effectively, she did NOT followup as she should have, and did not move the process along. 4 days later on XX/XX/2019, the day that I was suppose to sign off my loan contingencies, I received an email from XXXX telling me that the underwriter needed more documents and that the INITIAL review hasn't even been completed yet, and the purchase agreement clearly spelled out sign off of loan contingencies on XX/XX/2019, and that we were closing escrow on XX/XX/2019. On XX/XX/XXXX, initial hasn't even occurred yet. At this point we have wasted 3 weeks of time and nothing was moving along, AND she did not communicate or inform me or did ANYTHING to push things along. I then called her manager XXXX, who promised me that he would make some calls and move things along. Then I was emailed by another processor, XXXX who then 3 days later send me another LONG list of documents required by the underwriter. Both XXXX and XXXX seems very incompetent, and neither could explain to me what the underwriter wanted. They each gave me a complete different answer regarding a particular document that was needed. Their lack of understanding and knowledge of the underwriting process was absolutely ridiculous and unprofessional. After I had provided all the document requirement only to find out a day later when i proactively called the processor that she still needed 2 pieces of documents from the escrow and that she wasn't proactively obtaining, and refuse to submit the documents from underwriter until all of the documents are done. XXXX and XXXX, the processor are both non-communicative and I have to call them constantly just to get information, as they continue to hender process and extend my closing date. Their competence is costing me $ XXXX of earnest deposit that I owe to the seller and escrow, and this is unacceptable. I have over 100 emails and call logs regarding this process, not able to upload all of them. Thank you for your investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
Suntrust Mortgage provides a horrible level of customer service. My mortgage loan was sold to Suntrust through no choice of my own. I have been trying to make an online account for almost two weeks, since THEY ( Suntrust ) changed their website, and my old login no longer works. When I try to create the new account, I receive an error message stating, This service is temporarily unavailable. Two weeks is more than temporarily. When I try to call, I am consistently on hold for OVER FORTY MINUTES!! The main reason for my call is that my autodraft amount has changed against my will. I have previously requested that an extra amount be drafted each month. This extra amount has not been drafted since Suntrust has changed their system/website. This change is going to cost me more over the life of my loan, through no fault of my own. In the past, Suntrust has also erroneously reported on my credit report. If anyone reading this has any choice in the matter, DO NOT ALLOW SUNTRUST TO SERVICE YOUR MORTGAGE LOAN. I wish my loan could be transferred to another servicer, and that these inadequate service levels would not be tolerated in the industry.

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 2019-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/2018 branch associates at Capital One in XXXX New York encouraged me to open a 360 account  with Capital One to access more ATMs. I agreed. I opened the account online. Soon thereafter Capital One froze and locked me out of my online banking account ( ending in XXXX ). I called the technology helpful line between 3 to 5 times, reported the issue and asked that my request for access be restored.. I also wrote to Capital One via its investors relations email on its webpage. I was told by technology that my access would be restored. No access restored and no call back. I had to go to the XXXX New York branch more than once to request printed copy of statements. 
Eventually the lack of online access forced me to close my account. I could not track my debits, credits or liabilities. Till this date, no call from Capital One. I have been a customer for approximately 23 years. Now Capital One has sent me letters regarding a {$130.00} debit. This debit was traceable to Capital One 's breach of federal regulations in locking my account without notice, refusing to restore access and til today not contacting me. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: TN

Complaint narrative:
I have been a victim of identity theft and numerous credit cards, bank accounts, and cell phone accounts were opened using my information and the balances were left unpaid. I previously submitted a complaint ( XXXX ) on XX/XX/XXXX against Equifax with CFPB. Despite receiving the FTC ID Theft report and police report, Equifax did not remove the information despite many requests and disputes. After filing the first CFPB complaint, Equifax finally removed the accounts and responded to the complaint stating they did so because of a referral from another credit agency. However, just a few months later they put these accounts back on my report. 

Equifax has received information in excess of what is required to remove the unauthorized accounts. Despite telling me and CFPB they were permanently blocking the information they placed it back. The 5 accounts are listed below. I have also filed yet another FTC ID Theft report and attached it to this complaint. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 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: CA

Complaint narrative:
Remove Inquiries. All the information is in the documents attached.

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 2019-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
The school had me take out a nearly $ XXXX student loan in order to enroll and complete their XXXX XXXX   program. however, they did not tell me that there was two parts to the program and that I will later have to take out a second loan to complete the second part of the program. The whole time I was in school, I was under the impression that the $ XXXX loan would cover both parts of the program. Once the first part was complete or nearly completed, I was then informed of the fact that a second loan would be needed in order to continue. I was then also informed that I would have to quit my job in order to complete the second part, again, the whole time I was under the impression and the school made it seem like I could continue going to school and keep my day job in order to pay my rent. It turned out that the second part could only be completed full time which made it impossible to complete the second part of the program and keep my job to pay my rent. I was left with no choice but to stop going to school and was left with a nearly $ XXXX student loan which I've paid more than half already but it is getting harder and harder to pay it and the school didn't really help me reach my goal. Is it possible to get this type of loan forgiven? It has made hard for me and my wife financially and I got nothing out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
I don't own capital card never had a credit card

Company response to consumer: Closed with non-monetary relief