vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
This Company have failed to provide debt validation on acct XXXX Debt Validation was sent out on XX/XX/19, The company received it on XX/XX/19. They had 30 days to validate the debt and they have failed it is now XX/XX/19 and they still have yet to provide proof me giving them and little extra time to provide something and have fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: American Credit Acceptance, LLC
State: NC

Complaint narrative:
Ive Called numerous times and asked why I cant get my credit reported or even a time table of when my payments ive made can be reported.My Account was bought about a year and month ago and still no time table of when my payments can reported to the credit bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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:
I AM A VICTIM OF ID THEFT. I HAVE ENCLOSED THE NECESSARY DOCUMENTS TO HAVE THE ITEMS BLOCKED PURSUANT THE FCRA.

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 2019-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONWIDE EQUITIES CORP
State: VA

Complaint narrative:
On XX/XX/XXXX I wrote Mr XXXX XXXX at Nationwide equities corporation that I wanted to cancel the loan process we had started. He replied saying he would take care of that. It has been 34  days and he still has not sent me a letter of cancellation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I receive a response from this company that simply telling me that the call they call their sister company and they dept was accurate and Im not satisfied with that so Ill challenge this company to show me proof of Id social or signature or any other documents that was use to validate this dept Ill like this in writing by mail or email! And if this company fail to provide all proof to show that this Debt is 100 % accurate Ill ask for them to remove this account under the fair credit act

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 2019-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Already settled issues with Rash Curtis over XXXX XXXX XXXX XXXX Ca it was found that the bill was paid since I have medical insurance all I owed was a deductible which was {$100.00} and I paid that to Rash Curtis and associates now they have filled again for the same issue and have damaged my credit over the same issues had to resolve issue due to myself buying a home time was XX/XX/2019 when it was resolved the first time spokes with a supervisor name XXXX and an employee named XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My tenant sent me rent money via check from his Bank of America account. A mailbox thief got a hold of the check, signed it over to themselves, forging my signature, and cashed it at another bank ( XXXX ). The check total is {$1200.00}. 

I noticed the check had been taking too long so called my tenant. He called the bank and found out it had been cashed and immediately started an investigation. This check was dated for XX/XX/XXXX and cashed illegally on the XXXX of XXXX. The investigation started late XXXX, I believe the XXXX. 

I signed and notarized an affidavit that it was not my signature or authorization for someone else to cash it on the XXXX of XXXX and sent it two day air with an arrival of Friday the XXXX of XXXX to the person in charge of the case. 

It is now XX/XX/XXXX and I, nor my tenant who originally provided the check, have received the money back. I read somewhere that the bank had 10 business days from the start of the investigation to come up with a conclusion, and payment needed to be submitted back by the XXXX day. Bank of America told me they have up to 90 days to resolve it. 

I please need help knowing my rights to get my money from the bank. This money is to pay my mortgage so I don't get backed up. 

Thank you. 

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 2019-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT. I HAVE ENCLOSED THE NECESSARY DOCUMENTS TO HAVE THE ITEMS BLOCKED PURSUANT THE FCRA.

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 2019-07-22 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: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT. I HAVE ENCLOSED THE NECESSARY DOCUMENTS TO HAVE THE ITEMS BLOCKED PURSUANT THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX have contacted me stating that I owe {$4000.00} to Citibank USA N.A.  with an original date of XX/XX/XXXX and a change off date of XX/XX/XXXX I did send them a certified letter on XX/XX/XXXX stating that this debt is not my debt and to cease and desist letter however instead they did utilized my information and send me back a " computer generated verification '' with my information typed on a blank paper pretending this is my debt however they never send the original document signed with my information in the original document as stated in Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. they have Illegally and fraudulently utilized my information to collect a debt that is not my debt due to the fact that I have never had any business with Citibank.

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 2019-07-22 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I was sued by XXXX and XXXX Attorney firm and they got a judgement to levy my bank accounts. I have never received anything from this company before. The original creditor is XXXX XXXX credit card. Then Portfolio Recovery bought the debt and hired XXXX and XXXX to collect the debt. I received the judgement in the mail on XX/XX/XXXX. It states it was mailed on XX/XX/XXXX. The amount of the debt is {$2000.00}. The Statute of Limitations applies to this case. This account is Time Barred. The account was opened in XX/XX/XXXX. The last payment was received by the company on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OK

Complaint narrative:
Hello! 
I have a direct unsubsidized consolidated loan through US DEPT OF ED. I am eligible for PSLF and have submitted my ECFs on time every year. I should have 30 qualified payments but Fedloan has only 15 counted. I called them on XX/XX/XXXX and was told my account was under review. I called again XX/XX/XXXX and nothing had been changed. I called again today, XX/XX/XXXX and they have not updated my count and have no timeline to do so. I would like to qualified payments updated since I have done my job by submitting my employer information each year. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I pulled my credit in XX/XX/XXXX and discovered Capital One had reported many late payments on my credit file. I called them, and they found that billing statements had not been sent to my house nor had my online profile been properly setup, so I wasnt getting the correct information. As a result, they agreed to remove XXXX and XXXX inaccuracies and investigate the remaining negative reporting. I called today to follow up and they are not willing to fix the other late payments to this account. All the late payments from XX/XX/XXXX until this year should be updated as paid as agreed. I am filing a complaint to the CFPB since Capital One has failed to honor the agreement to get these items fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
On XX/XX/2018 Americredit Pulled my credit after sending a letter stating that they didn't the following attachment you will see the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TOLL BROTHERS INC
State: FL

Complaint narrative:
I was never provided a closing disclosure for my settlement. I did receive a document at the settlement table. I contacted the lender tbi mortgage many times and was never able to obtain a closing disclosure or an amount to have wired for settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, and XXXX, XXXX, while I was trying to set up utilities for the townhouse I was moving into on XX/XX/XXXX, Equifax ERRONEOUSLY reported that I had HOLDs or ALERTS on my account to XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX and XXXX ( XXXX ) I verified with Equifax representative over the phone and online that THERE WERE NO HOLDS or ALERTS on my account. But she refused to get on the line with the utility companies to straighten this out. She said I should tell them to have their people call Equifax Business Assistance line. BUT SHE WOULD NOT TELL ME THE NUMBER SO I COULD TELL THE UTILITY COMPANIES. I COULD NOT FIGURE OUT WHAT ELSE I COULD DO. 
I faxed additional identification information to Equifax as requested but heard NOTHING FROM THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MT

Complaint narrative:
On XX/XX/XXXX, I sent money via CashApp to someone. The money quickly left my bank account as it is tied to my debit card. The next day, XX/XX/XXXX, the money was refunded via CashApp by that person as the transaction between the 2 parties was cancelled. I received a notification via CashApp that the money would reach my accound by Wednesday, XX/XX/XXXX. When the money did not return to my checking account, I reached out to both CashApp and my bank to attempt to resolve the issue. CashApp has been giving me generic responses with information that my bank can not use to track the funds. Today marks 5 business days that I was supposed to wait for the transaction and the funds are still not showing up anywhere on my end and they are not on the other end of the original party I sent them to. After reaching out to CashApp, there is no sense of urgency to solve the problem as they see it's now the problem of my bank. I am beyond frustrated that I am not getting any further with them and have no other information from them other than a " transaction number '' that is supposed to reveal where the funds are. My bank says otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX ( per XXXX ) someone using my identity created an account online as a seller with XXXX. Apparently item ( s ) were sold and then a " charge back '' was initiated by a customer. It appears XXXX paid that individual {$100.00} and charged it to this fraudulent account. Since the fraudster did not pay them they put this into collections with Convergent. I had disputed this to XXXX and they denied my dispute, without explanation. 
In XXXX, I received the first notice from Convergent that this debt was in collections. I contacted XXXX XXXX, a service that was first provided to me as a result of the XXXX breach in XXXX. Together we contacted both Convergent and XXXX to explain this was fraud. We were advised to proved Convergent with a police report and FTC Identity Theft Report as proof of identify theft. That was sent to Convergent on XX/XX/XXXX. On XX/XX/XXXX I received the response from Convergent. Letter was dated XX/XX/XXXX and stated that XXXX has rejected my dispute again. They did not disclose any reason why it was denied this second time either. 
Conversations with XXXX have been a series of transferred calls and no communication as to why they have determined this fraudulently opened account was a valid account. 
One day after receiving the response from Convergent on XX/XX/XXXX ; a representative from Convergent was already calling me and asking me when I am going to do to settle the debt.

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 2019-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OR

Complaint narrative:
Hello, I received a notice in the mail from Convergent USA claiming that I owe debt on a XXXX  cell phone account that was closed and paid in full. As soon as I received the notice from Convergent I contacted both Convergent and XXXX to ask them what the debt was for. Both companies refused to provide this information. I have repeatedly attempted to work with Convergent and have provided them with proof that the debt is not mine. Convergent continues to refuse to provide any information on the source of the debt while simultaneously trying to collect money from me.

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 2019-07-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I disputed a credit card transaction after numerous unsuccessful attempts to resolve the issue with the merchant ( XXXX XXXX ). They simply did not respond to any of my complaints. The company acted in a fraudulent manner and gave me false and misleading information to obtain the sell. I did not receive the correct tires or installation services I paid for. The card issuer Citi Cards failed to dispute my claim properly. They failed to contact the merchant for a response to my dispute. I provided ample and detailed information and multiple documents in regards to my tangible and non-tangible purchases. Citibank determined the outcome in favor of the merchant without considering all the evidence I provided to them. Citi Cards did not mandate the merchant to issue a refund.

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 2019-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Debt Holdings, LLC
State: FL

Complaint narrative:
Received call from agency on my cell number claiming they were collecting on behalf of XXXX XXXX XXXX. Stated that I owe {$2000.00} and the funds were deposited into XXXX XXXX XXXX and they plan to file a civil complaint and seek judgment. I requested verification of debt but the agent stated they would set a court date sometime mid XXXX then hung up. I then called XXXX XXXX XXXX to find out about the debt they say I owe but the representative stated they did not have my file and that my file was sent to United Debt Holdings LLC. Tried to call could not get anyone on the phone. I checked the XXXX website and United Debt Holdings , LLC is no longer in business. Not sure what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have a problem with late fees be assessed to XXXX XXXX XXXX through Comenity BANK. Comenity Bank had decided to Discontinue XXXX XXXX  AS OF XXXX XXXX. So, I could no longer use card. The account has been closed. I have been paying down the balance, until I finally paid off the balance. The due date every month was XXXX of each month. I made my last payment in full on XX/XX/2019 after XXXX XXXX  CST. I was then assessed a late fee of {$27.00}. I called customer service to explain and have them remove late fee as courtesy. They wouldnt do it. I ask to speak to a SUPERVISOR, she said since the account is closed, that couldnt do anything. Although, they can add late fees and interest. I was assessed {$27.00} late fee and {$2.00} interest on the late, because the balance was PAID IN FULL. I also requested my account information and could give my account number to make a complaint. My name is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I received a letter from Pressler, Felt & Warshaw threatening to take me to court regarding an alleged account in collections from XXXX XXXX XXXX. Since I use XXXX XXXX, I knew not only was there no past due account for XXXX on my account, there is NO XXXX account except for one paid in full in 2005. They also contacted my employer about garnishing my wages. They didn't even have the common sense to put the amount due on the paperwork but the closed account was only for {$200.00} anyway. 

This law firm has been sanctioned by you before ( under Pressler & Pressler ) but they have not changed their tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation