vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
I have disputed with a collection agency by the name of Convergent Outsource stating an inaccurate entry of an account on my credit report by their company. They have made a claim stating that I owe the amount of {$1200.00} which I do not. 

I have reached out to them on XX/XX/2019 and XX/XX/2019 requesting again to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and that I have an obligation to pay them. They have failed to submit any contractual agreement with my signature with Convergent Outsource. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. 

According to FCRA & FDCPA, it is in violation to report any inaccuracy on a consumer credit report if there is no validation of the debt, they must request that all crediting reporting agencies delete the entry. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have legally binding contractual obligation to pay you the alleged amount. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

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 2019-10-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: WI

Complaint narrative:
Professional bureau of collections of Maryland has been trying to collect on items that have been discharged in a bankruptcy and closed. They constantly call me and have forced me into an agreement I did not want to sign as they stated this was the only way I could go back to school which is not true at all. They are trying to get me to pay XXXX and have been threatening and trying to intimidate me saying things like well we can just take you off and you won't be able to go to school. They are predators and should be fine and or closed. They are extremely aggressive and had I not known that I had the fair debt collection act on my side I would be terrified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX claimed some years ago that I owe over {$1000.00} yet was unable explain why. I had the incorrect information removed from my credit report with both bureaus years ago. Now random debt collection companies are putting this account back on my credit report. This has prevented me from purchasing a home, borrowing money at reasonable rates, etc. 

Equifax 's website shows pending investigations which have been allegedly completed, only electronically. After over an hour on the phone and 3 supervisors later, nobody was willing to acknowledge the logic behind previously removed information from a successful dispute should not be allowed back onto my credit report.

A credit bureau that has suffered one of the largest data breaches in the world, who also can not provide accurate information, and gives customers the run-around on the phone should not be allowed to materially harm people 's lives like this. 

Incorrect information should not be allowed back onto credit reports after a successful dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX th of of this year fortiva closed my account and failed to notify me in the thirty days register under the credit card act of 2009. XXXX a manager admitted on a phone conversation there negligence of fortiva. But he did not care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I purchased a bluebird card at XXXX. I paid a XXXX dollars service fee for this card. The instructions indicated was to register the card online at bluebird 's website. Upon attempting to register it. I was unable to register this card online so I spoke with bluebird support. They told me the card can not be registered and was ineligible to be registered. I inquired with them how to get a refund for the XXXX dollars service fee I paid. They instructed me to go back to XXXX where I purchased a card to obtain a refund. I went to XXXX and they refused to refund the money. They said prepaid debit cards are nonrefundable. Bluebird is  advertising a product that is sold through XXXX. Because I'm unable to register at this product is defective and I want a refund of the service fee I paid. XXXX will not give me a refund neither will XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
The Account : Hp Sears, Account Number XXXXXXXX Report Number : XXXX reporting on my credit report as a collections. 

I have no knowledge of this particular account I did not received any letter information or phone call pertaining to this inquiry .The are multiple errors in their information about 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 2019-10-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
At XXXX XXXX I received a email from my XXXX XXXX XXXX informing me that may credit limit was being reduced from {$6600.00}. to {$500.00}. because of a report from a consumer reporting agency, which indicates that I have a " substantial number of debts owed other creditors ''. I contacted customer service at the card company and they informed me that Equifax provided the information. I obtained a credit report from Equifax and see that my report is clean and free of any debt. 

I tried to file a dispute with Equifax using their internet format for over two ( 2 ) hours and was consistently timed out. The information provided to XXXX, by Equifax is at the very least inaccurate and has had an adverse affect on my credit. 

I have gone to great lengths in my lifetime to protect my credit and have no debt on a monthly basis other than my utilities and credit card purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: NH

Complaint narrative:
I paid off a creditor in XX/XX/2019, on transunion it is still listed as a derogatory remark. Only transunion is late in clearing this remark. 

The Company I paid was XXXX XXXX, XXXX / original debt. owed to XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/2019, I signed up for TransUnion 's TrueID app and service and, through the app, locked my credit account as a security precaution. Within one week of doing so, my credit score dropped more than 50 points. This is despite the fact that no major events occurred. In fact, all that occurred, per the company 's own admission, is that my balances went down ( as they had been every month prior ) on my home loan, auto loan, and two credit card accounts. The company told me that the significant drop was " normal. '' However, my XXXX score ( which lists the exact same accounts ) remained unchanged and is still generally unchanged. 

I simply find it not credible that they do not somehow link my usage of the TrueID app to my score given that they can not provide any other specific reason for the score decline.

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 2019-10-18 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: SC

Complaint narrative:
Yes I went to XXXX on XX/XX/2019 on XXXX XXXX in XXXX South Carolina I spoke with I gentleman by the name of Mr. XXXX I gave him permission to do a credit check for me I went back to XXXX on XX/XX/2019 I spoke to a young lady by the name of XXXX I did not give her permission to do a run a credit check on me she told me she was just gon na check in with System and see what I was approved for when I cant then on XX/XX/XXXX but they did she simply told me that She was not going to run a credit but she did I got hard inquiry from this credit report can yall please help me to get this off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I just recently redeemed XXXX  Thankyou points as it was stated that I had XXXX points expiring on the Thankyou website- believing that this would be an accurate number. However recently Citi reduced my balance by an additional XXXX of points that were not shown as expiring as Citi doesn't actually give an accurate account of expiring points ( after some research on the Web it appears this is a known issue with their site ) .. As I as a consumer relied on Citi 's system to show me the proper balance that was expiring ( hence the reason I took action and transfered the points citi was showing as expiring ). I only transferred the XXXX  points to ensure I didn't forfeit any. Had the balance shown the correct amount I would have transferred them to a partner prior to expiration, but relied on the improper account as shown in the screenshot below. I ask the following :. Please return the XXXX   points into my account and extend the expiration a nominal amount so that I can redeem them. 
2. As I have looked into this incident on the web it appears customers of Citi have had this issue with displaying improper expiration since at least 2016. As this is a feature consumers rely upon, I request your IT department look into fixing this. Showing improper amounts and then forfeiting points of customers who rely on this as an accurate number from Citi strikes me as abusive and I myself am frustrated in having to spend significant time correcting an issue that appears to have been known by Citi for quite some time.

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 2019-10-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/2019, I XXXX XXXX XXXX, disputed an account reported by XXXX XXXX. I was informed in XX/XX/2019, that the item was deleted from all of my credit reports. I have recently discovered XX/XX/2019, that a collection item has been re-inserted by an entity known as XXXX XXXX XXXX who has illegally reported a collection on all three credit bureaus. I have NO such business dealings with this company and ask they provide signatures stating that we have an agreement. I request that the collection item be removed permanently from Equifax, XXXX and XXXX XXXX credit agencies immediately as my credit has suffered from this form of identity theft. 
Again, I have had NO such business agreements with XXXX XXXX XXXX and demand swift deletion off all of my credit reports. The next step will be legal action against this entity and the bureaus that continue to report this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I apparently was in default back in XX/XX/XXXX and XX/XX/XXXX, and before I became aware of the default my student loans were once again transferred to another company and I didn't have any clue who my new creditor was. I barely found out about my new creditor was Navient and the default on XX/XX/XXXX. Also on a side note my loans were suppose to be in deferment since I was a full time XXXX. I then called Navient to discuss the 6, 120 day late payments on my credit report. They said I was obligated to pay even though my deferment should have rolled out until XX/XX/XXXX. I told them I did take the summer off of school but starting in the fall I would be back in school at least half time, so my loans would go back in deferment. One lady from Navient then told me that once the school sent there information to them I would be placed in deferment and the deferment would be back dated to the month I became in default and the late payments would be removed. One month later Navient received the information from the school and my loans were put into deferment. After checking my credit report I saw the late payment status/derogatory still as my status on my credit report. I spoke with another Navient representative about how can I remove the late payments so my credit score wouldn't be damaged since I was trying to buy a house. She informed me that since I was in deferment the late payments would no longer be in effect but they report at the end of each month to the credit bureaus so it just hadn't been updated. I called again a month later and spoke with another representative and asked her how much do I need to pay to get the late payments removed from my credit report, she told me I do not owe anything and the late payments had already been processed so she couldn't do anything about it. Which I waited two months from being told by a representative that they would come off to being told I couldn't pay the over due amount I owed to remove the late payments. I have never heard of a creditor refusing to take payment that was around {$850.00} to help pay off the overdue balance and fees that I owed. I do not feel that I was ever informed properly about my student loans and the policy of deferment for a student that has to have a half time or full time XXXX status to qualify for deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number  XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: FL

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed 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 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: LA

Complaint narrative:
Waypoint assumed a debt of {$36.00} ; a debt I knew nothing of until XX/XX/2019. I did not have a XXXX account on the dates claimed. I moved away from a XXXX service area a long time ago ( before the dates mentioned ). This debt is a grievous error ; the fact I was not living in this area, using XXXX services is incontrovertible evidence that I could not have accrued this debt. Furthermore, if waypointXXXX cared to investigate, I am sure, the companies will find no payment by me on this false account. If this account exists and was made in my name, I am sure someone else was paying for the service. Please provide me my signature assuming this debt, the contract I made, the legal right Waypoint has to collect, any burden of proof that I have any legal obligation to this debt, the breakdown of the fees assessed, and proof of the legal right to collect in my state. 

I demand the immediate deletion of this record from all credit bureaus. 

I am a XXXX veteran, trying to buy my first home, when this collection of {$36.00} popped up out of nowhere. I would not have ruined my credit for {$36.00} .... All I have is my credit, and this company destroyed it for {$36.00} dollars I do not owe. 

I have attached a long term lease in the state I live, a state that does not even have 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 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I should be allowed free access to my credit report and score any time I want without paying for it, its my file, my credit, and my score should be available to me free of charge whenever I request it. I feel its being withheld from me unless I pay money for it. ( ransome ) XXXX, XXXX, and Experian should have to provide scores and reports to consumers upon request for free. 
My experience is my score seems to be running backwards, the more I do to improve my credit the lower my score is going. Also items once removed just reappear, you can not dispute anything, if it does get removed it shows back up the next month. 
Experian was the reporting agency I have been dealing with and getting nowhere. They are sending me a report but I have to pay for my 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 2019-10-18 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:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed 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 2019-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
Since XX/XX/19 we have been trying to get the restricted escrow money in the amount of {$4700.00} released to our contractor. Our house closed in XX/XX/2019 and it was too cold to pour concrete so money was withheld at closing for the contractor to come back in warmer weather and complete the concrete work.The work was completed in XX/XX/2019. This amount is separate of our traditional escrow account. Multiple supervisors have been contacted, multiple " incidents '' have been filed to try and get this money released. As of today XX/XX/19 money is still not paid to our builder and a lien is being threatened on our home.

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