vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: IA

Complaint narrative:
In  XXXX  of   XXXX   I received a letter from Convergent Collections with my nephew 's name and my address. It was a collection notice for a supposed account from a number of years ago. My nephew has never lived in Iowa. There is only  one way Convergent cou ld have gotten my work address and that is from one company that I have power of attorney to represent my nephew in negotiating a settlement. There is nothing else linking my nephew to my work address. When I called Convergent they would not tell me where they had obtained my address and they lied to me telling me that my sister-in-law had told Convergent that the bill was really mine and that she had given them my work address. I am attaching a letter from her disputing their claims. We have attempted to resolve this issue but without any success. We need your assistance in this matter.     Prior to this time Convergent or  XXXX  had not notified my nephew of the bill, he had not received a right to cure notification and it was turned over to a collection agency.

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 2017-04-24 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: MS

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of m y Trans Union  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     Under the Fair Credit Reporting  Act, 15 U.S.C. 1681g I have t he right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.     If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required unde r Section 611 ( a ) ( 5 ) ( A ) ( i  ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.     Under the FCR A 15 U.S.C. 1681i, all  unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court O rder The following credit inquiries are related to none of the aforementioned permissible  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Credit and Collections Inc.
State: LA

Complaint narrative:
I have a debt wit h United Credit Collections  in  XXXX   XXXX , MO from a broken lease and I am trying to get a paid in full letter from the collection agency once I pay the debt and they 're telling me that they are unable to email or fax the letter to me once the account is paid in full and that they can only mail it to me. And the representative that was initially handling my accoun t (   XXXX   XXXX   )  is so unprofessional and I had to call numerous times today  X/XX/2017    and he will not allow me to speak with anyone else and saying that he is the only one who can help me and I am trying to pay my debt today.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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:
I have previously disputed the following inquiries on my credit report and TransUnion refuses to remove the following inquiries, even after providing proof that the inquiries were fraudulent.     I 've contacted  XXXX  and they are unable to find inquiries or reason why they put an inquiry on my report.     -  XXXX   XX/XX/16    -   XXXX    XX/XX/16

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 2017-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been approved for a short sale  XXXX   XXXX ,  2017 and th e documents were submitted for approval but the offer was rejected and the listing contract had expired I submitted a third party authorization and changed real estate agents and submitted a higher offer. In the meantime the SS bank negotiator was aware of the change of the agent and new buyer and the documents were not submitted to get approved and he stated this morning that we were out of time. I do not want to loose my home to foreclosure when there is a sale on the table and active file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had a GA tax lien on my credit report since   X/2011  in th e amount of {$1400.00} that has been paid and satisfied.I requested for the lien to be removed from all  XXXX  credit bureau agencies . (   XXXX ,  XXXX  and TransUnion  ) b ut has not been done.The GA  State tax sa id they do not report to credit bureau and  XXXX  GA  Superior court s aid they do not also. I tried to pull my name up on   XXXX   XXXX   XXXX   but nothing comes up under my name so this is proof I have no outstanding state tax liens.   This is affecting m y credit score s ignificantly and I desperately need help getting this removed.

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 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had a GA tax lien on my credit report sinc e  X/2011  in  the amount of {$1400.00} that has been paid and satisfied.I requested for the lien to be removed from all  XXXX  credit bureau agencies.  (   XXXX , Experian and  XXXX   ) but has not been done.The GA State tax sa id they do not report to credit bureau and  XXXX  GA  Superior court said  they do not also. I tried to pull my name up on     XXXX   XXXX   XXXX   but nothing comes up under my name so this is proof I have no outstanding state tax liens.     This is affecting m y credit score signifi cantly and I desperately need help getting this removed.

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 2017-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
XXXX   XXXX ,  XXXX  I filed a complaint with the BBB and CFPD agains t NCB Management services, Inc. I n their response to my complaint they stated they would send validation of the debt owed. They have not done so. All they have done was state they would send the required information. I am requesting the original contract, complete financial transaction history, and a copy of the letter they stated was sent in  XXXX   XXXX ,  XXXX . With out this information in a timely manne r. NCB Management serv ice is deliberately violating Fair Credit Reporting Ac t, 15 U.S.C & 1681. Under that  act all unverified accounts must be deleted. Without validation of this debt and continue reporting to the  XXXX  credit bureaus, will result in me seeking damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: FL

Complaint narrative:
I received a debt collection notice in the mail today fro m Tate & Kirlin, Associates, Inc. The  notice says I owe {$130.00} to  XXXX   XXXX . I have no idea what TRS Limited is nor I owe a single penny to them. I tried to call them at the number listed on the notice but have not had any luck getting in touch with a live person. I strongly believe this is a scam.

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 2017-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Visa/Mastercard administration de nied and Declined my application because of my  XXXX    XXXX   and  XXXX  and Military Veteran status.   Also, because I have a Bankruptcy chapter  XXXX  on my credit report since  XXXX    XXXX   in which  XXXX , Texas  Federal Judge Discharged  on  XXXX    XXXX  .   I am a homeowner in  XXXX , Texas and have a  XXXX   XXXX  income of {$ XXXX } @ month with a  2  percent raise every year on  XXXX   XXXX .   I provide evidence to Capital One on financial status and I still was declined and Denied because of my  National Origin  as a   XXXX   XXXX    XXXX  and military Veteran.   This is a Discrimination and Retaliation against  XXXX  Military Veterans and a Federal Violations against my  ADA Disability Act  Civil Rights.   Notice : l will send decline response fro m Capital One cred it card administration by email ... Urgent Matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: PNC Bank N.A.
State: PA

Complaint narrative:
On  X/XX/2017    my parked car was struck by a hit and run vehicle outside my house. I had it towed by  XXXX   XXXX    XXXX    XXXX  because they were on the scene first and offered a {$50.00}  XXXX -mile tow and their facility was only  XXXX  miles away. I went to get the car the next day and somehow the bill had shot up to {$610.00}. I went there again the day after that and after  XXXX  hours of attempting to negotiate that to a fee that was not outrageous I eventually had to pay because they threatened to put a lien on my income and everything I own once it accrues {$2000.00} in storage fees if I just let them keep the car ( it was not worth more than {$700.00} at the time ). Paying with credit card ended up being my only option and it costed an extra {$61.00} so my grand total ended up being {$670.00}.     Naturally, I called PNC 's dispute department as soon as I got home and told them to withhold the charge and I 'll file a dispute. They said they would send out a letter for me to respond with my own letter detailing the events and any evidence. I agreed and waited for the letter to come. Somehow within the next few days, the charge was posted anyway and my request to stop payment was ignored. I moved forward with the dispute assuming that would n't be an issue once I get the chargeback initiated anyway.   Within  2  weeks I got the letter and responded as directed with my written statement.     A month later on  X/XX/2017   , I find out that my dispute has somehow been denied and they are letting the tow company keep the {$670.00} that they wrongfully took.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Sometime in  XXXX , we were very surprised to receive a VISA credit card fr om Wells Fargo in  the mail. We did not request the card, nor did we want it. I kept the cards that were sent, but did n't know what to do about it.     Then  XXXX   XXXX ,  XXXX , we received a letter saying t hat Wells Fargo  was discontinuing t he VISA and Cash  Advance features, and that we would receive replacement cards. These non-VISA cards arrived, and I saved them as well.     As background, we signed up for  the Wells Fargo Financial National Bank Automatic Payment ser vice  XXXX   XXXX ,  XXXX  for {$6800.00}, to purchase a heating and air conditioning unit from  XXXX   XXXX    XXXX   XXXX  . At this time, they sent VISA cards which we did not request, but I ignored them and filed them away.      Wells Fargo  was helpful in resolving a disputed charge with this vendor. This account was paid in full ( I believe in 3 year s ), and we did NOT have any further contact with Wells Fargo.

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 2017-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I was injured at work. On  XX/XX/XXXX  i received a letter from New York state saying they made a determination as of XX/XX/XXXX  they felt i was still unable to return to work. My credit card was due on  XX/XX/XXXX , in an effort to be proactive before i was late on my payment I called barclays bank on XX/XX/XXXX at approx.   XXXX   XXXX   ( i have all calls recorded to and from the bank if you require copies ) and told them my situation that i waas unemployed, currently recieving public assistance and awaiting a disability hearing from social security and would be unable to make my payment. I was told that they would be able to help me but i had to call back after my account was late becuase nothing could be done if my account was current.
So i called back on XX/XX/XXXX  at approx   XXXX   XXXX   ( recorded ), the day after my payment was due, this time i was told yes they could help me but not until my account was at least 30 days late and that i should call back at that time.
On XX/XX/XXXX  i was looking over my accounts and noticed that my barclays card was now listed as being late and a late fee was applied. So i called back that day at approx.   XXXX   XXXX   ( recorded ), and after going over everything on the phone with them again only to be told " sorry theres nothing we can do to help you, good luck with your disability case '' so i contacted to office of the president at barclays bank on XX/XX/XXXX a woman called back from that office on  XX/XX/XXXX  and told me they absolutely could help me and put m on the phone with another rep. I again went through everything with them again only to be told sorry theres nothing that can be done.
I was illegally deceived under false pretenses into allowing my accounts to become late and these people refuse to do anything about.I am   XXXX   and unable to work, my life savings has been drained my 401k has been drained i have lost my home my cars and everything i worked for due to my injuries and the entire time still managed to keep my credit cards current until now, as i explained theres nothing left, these people used deceitful tactics to get me to allow my cards to go late with them, knowing hey would do nothing to try to help me, and now almost every day i get emails from them stating " your account is past due call us we have many options to help you get back on track '' Something needs to be done about this.

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 2017-04-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I have b een discharged of my debt obligation to SPS Portfolio Servicing for ov er 2 years now. I have legally removed my name from the property deed and title, and mailed proof of such to the bank and conveniently one department does n't communicate with the other and claims such documentation does not exist ... and its public record. The only person on the deed and title is my ex wife, but she was NEVER AND NOT on the mortgage loan in any way what so ever nor is she financially obligated to the mortgage company at all. The bank obviously has a lien against the property until sold. SPS sends me monthly mortgage payment coupons and statements as if I were a current customer, with updates as to what 's owed, back taxes owed to them and how much to pay them, what the current escrow balance is and how much I need to pay to make it current, also sends me statements of what I owe them as far as home owners insurance they purchased in my name, and the balance they claim as I the " debtor '' owes them ... and it goes on and on ... HOW DOES THAT WORK ... WHY DOES THE BANK CALL ME THE " DEBTOR ''? When I was by law ... been released of the debt and the title of " DEBTOR '' I 'm being HARRASSED relentlessly, I WANT TO SUE and be compensated for every piece of correspondence they sent me, SENDING ME INTO  XXXX , AGRAVATION, sleepless nights wondering if or what they might try ... mess with my wages, my job, I do n't know how far they will go??!!! Once I lose my job, or wages ... it would be ages for me to recover, even if they were at fault in doing so to me ... They wont stop..I told them many times. The last statement they sent me shows them claiming a balance of almost a  XXXX  dollars, OMG ... from an original balance of {$460000.00}!!! TRY HAVING THAT ON YOUR MIND!! lastly, they claim the property was surrendered, THIS IS NOT TRUE, THE PROPERTY IS NOT MINE TO SURRENDER. THEY LIED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I was fully up to date with my HELOC with  XXXX  and was making my payments through my bank 's autopay. They sold to Shellpoint. It was hard getting through to make payments. I did not realize I fell behind with them in  XXXX  as I thought I had changed the bill pay information. I tried paying on their website and calilng but it seemed impossible during work hours. When I finally was able to get through and pay them, they somehow reported  me two months late  and made it impossible for anyone to refinance me. I then continued to make payments from thereon. I have a HELOC balloon payment as it turns out so as of  XXXX   XXXX  they would only accept full payment and began to report me late and rack up fees. They told me in  XXXX  to submit a package to do a " work out. '' The would only contact me by phone call and would not email me back to tell me if paperwork was acceptible or incomplete or in their correct format and so not until end of  XXXX  was package submitted. They have not gotten back to me with any answer and they say the do not know when or if they will do anything for me. I have no idea whether to wait for their answer or if they are trying to foreclose on me because I have good equity. I have  XXXX  children. The only hardship I have is I do not have  XXXX  but am willing to make payments. It was only because of their late reporting I could not refinance with  XXXX  or  XXXX   XXXX . They were the only ones in the way of us refinancing.  XXXX  would have refinanced us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
All of my  Capital one ac counts were included in my  DISCHARGED Chapter   XXXX  Bankruptcy in  2013  ... YET they continue to update the accounts monthly!!! By law they can not continue to update and damage credit after a  discharged bankr uptcy!

Company response to consumer: Closed with explanation