vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent outsourcing has tried contacting me to collect {$710.00} they claim I owe to XXXX. I have expressed to them in the past I do not wish to be contacted with this matter and my willingness to pay for a deletion off my credit report. Harassing phone calls have taken place at my place of employment after expressing I do not wish to be contacted, much less at work after hours. Not sure how they got my work number, but I no longer wish to be contacted and demand my account be removed and deleted from report for the pain and suffering this has caused in my place of employment. If Convergent Outsourcing Inc. continues this action I will be filing disputes, complaints with XXXX, Federal Trade Commission, and XXXX XXXX office ( attorney general ). Their collection practices are illegal and unethical!

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 2020-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I was charged a {$700.00} charge that was not supposed to and due to this was charged ISF fees. Making my acct negative & I had bills that came out and got more fees. Then Once they deposited the {$700.00} back they never did the last fee and then the acct stayed negative with almost {$500.00} in late fees. And now its over {$1000.00} in fees. 

They should have gave me back my late fees. So my account could be positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have had consistent problems getting into my Equifax account for the past few months. Early in XX/XX/2020 I talked to a customer service rep about this, but she did not understand what I was talking about ( not English speaking, not very well trained, etc ). During the conversation a survey interrupted the call, and then the call was cut off. I sent an email to XXXX who said they would contact me within 2 business days and gave me a case #. They did not follow through on this. I called yesterday XX/XX/2020.. again the same problems. Could not understand the rep. While she was checking on her end the survey came on again and cut off the call. So I had to call back an start the process again, and the same thing happened. They have not bothered to contact me via phone or email to try to solve the problem. I sent another email to customer service, said they would have someone call us within 2 days. With something this crucial I can not believe that there customer service is so TERRIBLE. The reps do not have any training. Most are foreign speaking which makes communication horrible. Who is the watchdog for Equifax? This is very serious, and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
People 's United Bank, located on XXXX XXXX XXXX XXXX, CT XXXX has abruptly closed all my business checking accounts on Friday, XX/XX/2020, without giving any notice ahead of time. I noticed unauthorized debits on my accounts that day and immediately called and emailed the bank. They did not give any chance to discuss the matter and gave no time for me to transition. The funds that were in the account, around {$20000.00} was to be mailed to me but did not give time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
Cash Central responded to my complaint that they have nothing to do with an old payday account. The as of XX/XX/XXXX, have reported the account on my credit report. The recently replied to my complaint stating they would send documents for identity theft. They have never sent me anything in writing. This is the third time they have reported a debt they had previously removed from my credit report. Per the fair debt collection act, they can not report a debt once it has been deleted. The original complaint was XX/XX/XXXX and that was the last time they deleted it from my credit report. Upon further investigation, i found an old voicemail threatening to come to my work and be arrested. I kept the voicemail as I knew it was violating so many laws. This company is causing a lot of distress for something that was never mine to begin with. I want to make sure they stop this harassment. Please ensure they delete any information off my credit report permanently. If it continues, i will have no choice to to open a full investigation with the attorney general into this company. I do not owe them any thing and will never pay this debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc.
State: FL

Complaint narrative:
I moved from XXXX to XXXX in XXXX in XXXX i received a bill. This is incorrect. It took them two years to process this and send me a bill all my mail was forward in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
i moved to florida in 2017 and i left the apartment in XXXX, this information was sent to XXXX XXXX. Yet my gas was still running. I wasnt aware of it until i got a XXXX bill here in florida.

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 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I recieved a letter in the mail that I'm owed CCS {$650.00}. Now I sent in a dispute letter to which I've gotten back no response. I've asked for validation to prove this account is mine. No copy Assignment clause, Notarized letter of debt purchase, Signed contract from original creditor and also proof to collect in my state of NJ. Now this is unacceptable. I need them to send me everything I asked for and not a copy of a bill that is not proof. As per the fair credit reporting act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
This company continues to report an account on my credit report which can not prove this debt is mines. I told them i am a fraud victim. They continue to assist that i owe this debt from CAVALRY PORTFOLIO SERVIC. I reported an extended fraud alert on my credit on XX/XX/2014.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 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: TX

Complaint narrative:
XXXX XXXX responded to my complaint that they have nothing to do with an old payday account. The as of XX/XX/XXXX, have reported the account on my credit report. The recently replied to my complaint stating they would send documents for identity theft. They have never sent me anything in writing. This is the third time they have reported a debt they had previously removed from my credit report. Per the fair debt collection act, they can not report a debt once it has been deleted. The original complaint was XX/XX/XXXX and that was the last time they deleted it from my credit report. Upon further investigation, i found an old voicemail threatening to come to my work and be arrested. I kept the voicemail as I knew it was violating so many laws. This company is causing a lot of distress for something that was never mine to begin with. I want to make sure they stop this harassment. Please ensure they delete any information off my credit report permanently. If it continues, i will have no choice to to open a full investigation with the attorney general into this company. I do not owe them any thing and will never pay this debt that is not mine.

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 2020-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been on income driven repayment since the late XXXX. I was out of work in XXXX when I had a XXXX and just went back to work in XX/XX/XXXX. Right before XXXX of XXXX, a representative of Navient called about recertifying my IDR plan. At that time she offered to put my loan into deferment as I was trying not to lose my home from the time I was off work. 
I questioned when my loan will be forgiven as I had been paying for 20 years at that time. She told me that it would be forgiven in XXXX ( I can't recall the month ). I straight up asked if the deferment would in any way change that forgiveness and she told me absolutely not! 
Now the deferment has ended and I spoke with a Navient representative to begin repaying and they tell me that I have 20 years to go as I have only been on IDR for 14 months with them. 
My loan was serviced with Salllie Mae prior to Navient. I have never been on anything BUT an income driven plan since I began repayment in XXXX. 
I'm so done with this. There seems to be no recourse and the agents are so ignorant and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: LendKey Technologies, Inc.
State: CA

Complaint narrative:
Due to challenging financial circumstances, I filed for Chapter XXXX Bankruptcy. As my circumstances worsened, I ultimately had it converted to chapter XXXX and was discharged XX/XX/2019. On my list of debtors, my private student loan under for roughly {$7000.00} under XXXX was included. While I was not expecting this loan to be erased, a quick reference in XXXX XXXX showed the loan as either payed off or closed, which I have screen shots of. I used this information to move forward with building the rest of my credit, not paying toward my XXXX private student loan, and not realizing my loan was still active. I fell behind on my private student loan payments which has lead to " late payments '' showing on my credit report, negatively impacting my credit score. This has negatively affected my ability to apply for a VA Home loan due to the late payment remarks on my credit report. With good intentions, I contacted the private loan company and have setup payments to bring my account back up to current and am continuing to make on time payments. Though I take responsibility in missing such an important detail, I would like to reach out for assistance in having these late payment remarks removed from my credit report if possible. This was a misunderstanding on my end, as well as my private student loan company who never received a copy of my bankruptcy, neither chapter XXXX nor chapter XXXX. At the moment, I am simply continuing to make on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: OK

Complaint narrative:
I wrote previously about this issue ( last night ). The company XXXX ( Conduent ) is very, very difficult to deal with, there is NO way to send email to try to get help for any problem you are having. It says " Contact US '' but the page is blank and there are no links in order to contact them. It is very obvious the company wants you to spend 50 cents numerous times in order to contact them to TRY to straighten out any problem you may be having. AGAIN. there is no email link, the telephone service does not give an option to speak to a representative to help you. when you finally do get a representative, they tell you thay can't help you with the problem for one reason or another. This is Government Benefits. Do I need to contact the Government?? This is absolutely ridiculous that this company is holding people hostage to their mean and hateful practices and waaaaaaaaay overcharging them without being able to get any assistance ... ... .SOMETHING HAS GOT TO BE DONE ABOUT THIS SITUATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or about mid XX/XX/2018 Capital One Bank represented by XXXX XXXX/XXXX XXXX coerced me while shopping to apply and use their credit card for my purchases. They offered an immediate {$25.00} credit. After 3 persons pursued my business I relented and completed the application and was presented with a phyical credit card almost immediately. ( Most unusual ) After completing my purchase, the very first statement showed fraudulent charges, I contested. The bank after several calls credited the card. I requested to close the acct and no more cards. Capital One ignored my request sent another card. Again the very next month showed new additional fraudulent charges. Again after numerous phone calls, exhausting phone wait times they credited and closed the second account. 
Capital one continued to send statements requesting payment. I wrote to them and stated due to their incompetence and uncaring attitude toward me, as the customer, I would not respond to their request for payment, and infact sent Capital One a legitimate invoice for my time and effort. Their response was, " we respectfully decline to pay your invoice '' to which I responded, " if that be your stance then I respectfully decline to pay your invoice '' Capital One has finally closed the account and reported me to the credit Bureaus as if it were only my issue. My opinion is that Capital One is as much to blame and if they can create an issue for me with the credit reporting bureaus, then how do I do the same for their lack of payment for my invoice?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Our mortgage was previously being serviced by Seterus Inc up until about XX/XX/XXXX when the mortgage was transferred to Mr Cooper Mortgage. The problem is during this transfer, I was in the middle of doing a loan modification on my loan. On XX/XX/XXXX I set up 3 payments per Seterus to be ACH drafted from my account XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX for the monthly trial payments as per Seterus Inc direction. My first two payments were applied correctly and then the third was not and a portion of the modification payment went into an " unapplied funds '' account with Mr Cooper. Mr Cooper did not keep in place the loan modification agreement that I was already in. Mr Cooper has violated many mortgage lending laws in one reporting me delinquent  during this transfer period and two, they did not and would not honor the modification already in process. They would not allow me to go into another modifcation agreement since they said I did not complete the first one in which I clearly did and have banking records to prove. Mr Cooper stopped my already in place modification not me. I fought with them back and forth throughout XX/XX/XXXX trying to get my already set modification back into place since I had made all of the required payments but Mr Cooper refused any assistance. After 6 months of back and forth I finally paid over  {$49000.00} to bring my loan current and cover between $ 7- $ 8k in fees that Mr Cooper added to my account. I feel that Mr Cooper forced me into having to pay all of these fees as they would not honor the modification alreay approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one bank took over Walmart accounts in XX/XX/XXXX me and my wife have had nothing but problems now claiming I do not make payments, payments not on time and were getting charge late fees according to capital one my I owe almost XXXX due to late fees which is untrue I make my payments every month on time they claim I do not yet my checking account shows different my wife card I paid on XXXX XXXX she gets email claiming payment late on XX/XX/XXXX this bank is trying to XXXX us both and charge us late fees this is total XXXX I tried to get them to fix my account they refuse I ask for person in California to serve notice, as I will take them to small claims for fraud they refuse to give me the persons name and I have tried to get this info for 2 months now I closed my account do to this XXXX and I will not pay them any late fees period my payments are always on time for my other credit cards no issues yet Capital one is trying to XXXX us out of money now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I took a loan out with Santander in XX/XX/XXXX. I was co-signer to my mother in-law. I had the car until XX/XX/XXXX. I stopped making payments in XX/XX/XXXX. My mother in law past away due to XXXX. I spoke to them three years ago because the amount reported paid on my credit report compared to five years of payments is incorrect. On my report it shows I only paid {$3000.00}. When my payment were {$520.00} I made 58 payments on the account. I paid over {$30000.00} on a {$16000.00} car. ( XXXX XXXX XXXX ). When I spoke to them three years ago they said the repossession would be removed from my credit XX/XX/XXXX. It has not. So my issue is they reported to my credit that I paid 10 % of what I actually paid and that its been 7 years since my last payment and the file is still being reported on my credit. Also in the report it states my last payment to them was XX/XX/XXXX. Which is completely incorrect. It was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Acceptance Inc.
State: FL

Complaint narrative:
i have been fighting with XXXX XXXX/united acceptance for years and i am not getting anywhere. These cars were paid off and yet the score is incorrect. I also years ago was part of the civil lawsuit where information was being reported incorrect. They have it on here double and this is wrong i have reached out so many times and i need this to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: IL

Complaint narrative:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
See complaint XXXX. 

Subsequent to " resolution '' ( which is an erroneous interpretation ) BoA committed to returning my payments to not include an escrow for taxes and insurance. On XX/XX/XXXX they debited my bank account the mortgage payment AND taxes and insurance. They immediately admitted their mistake and promised to refund my payment. Instead of crediting my account or wiring me funds, they sent me a check one week later. The check was over {$500.00} less than the amount they committed and old me that they would 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 monetary relief
Consumer complaint received 2020-01-14 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: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates 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