vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have received at least half a dozen letters and phone calls trying to collect on a supposed debt to XXXX. I currently have an account with XXXX but it is in good standing. I called to confirm this with XXXX. The collection company XXXX XXXX XXXX XXXX says it is an older debt from a couple of years ago but I haven't had an account with XXXX since the XXXX 's, which was also in good standing when it was shutdown. 

I have repeatedly told Convergent that I do not owe the debt to XXXX, XXXX has confirmed to me that I do not owe them a debt. I've told Convergent this as well. I told them to stop contacting me and they should verify the debt with XXXX and they have refused to do both.

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 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am so upset with Chase Bank and regret opening an account with them. I was approved for the SBA EIDL Loan, and went through underwriting process, SBA determined my eligibility and qualification as an XXXX 1099 XXXX, and approved me for the loan and deposited into my personal checking account. As an XXXX XXXX XXXX  XXXX earning 1099, I do not have to have an EIN number to be qualified for EIDL program. Chase is mandating to show an EIN verification form in order to release my funds. Chase did not approve me for this loan, Nor are they the issuer of the EIDL loan program, to determine eligibility or even set their own requirements. They can not mandate me to have an EIN number to be qualified for this loan, when it is not the requirement of SBA EIDL eligibility and qualification, 1099 individuals are also quailed for this loan, and they can not freeze my funds. Chase is only the bank holding my funds, but they do not determine or qualify individuals for EIDL nor can they set forth their own requirements for this loan. If they do not accept any ACH wires from the SBA they should have rejected the funds and not accepted them, and I would've just used a different banking institution that accepts EIDL funds in personal checking accounts. I can not open a business account without an EIN number, and as a XXXX XXXX   1099 XXXX, im not obligated or required to have an EIN. and I am repeating again SBA accepts 1099 XXXX for the EIDL loan. I tried resolving with chase, and they refuse to listen, they have the worst customer service representatives who don't even listen to you when your talking, they are like trained robots, who only say what's written in front of them. I have requested for chase to send back the funds to SBA, they are refusing the send back the funds, I have contacted SBA to recall back the funds, but they said they do not recall back the loan once the funds are deposited. So now the money is stuck In that account with chase, refusing to send it back, and I am liable to to pay back this loan, when I didn't even receive the funds. PLEASE HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
According to a report from Transunion ( reported on XX/XX/XXXX 2020 ) I opened a credit card/loan with XXXX with a credit limit of {$6000.00} and a balance of {$4900.00}. My boyfriend went through XXXX and opened a credit card with them for this amount, and he gave them his social security number and allowed me as an authorized user on the card. XXXX never asked for my social security and I never gave them any authorization to run my credit. My credit report is now saying that I have {$4900.00} in debt with XXXX and they ran a hard report which dropped my score significantly. When I contacted XXXX more than once they denied any of 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 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I have never had the account that the debt collector is trying to say I owe. this has gone on for years dating back to 2016. I have contacted PORTFOLIO RECOVERY ASSOCIATES many times over the years to dispute this debt and they keep telling me that it is my debt.They tell me it is an account from XXXX XXXX Original Creditor. I have not had any accounts with this bank ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america is debating my account for {$130.00} and {$140.00} so far and might continue to debit my government card up to around {$700.00} because of purchases made by another individual that had used my card on a mobile phone website XXXX. The items were out of malicious acts and l XXXX wasn't responding due to XXXX reguarding stopping the transactions. I moved from the address and am at a different one altogether and am still followed by the same individual XXXX XXXX. 

XXXX is issuing payments and Bank of America is taking out my payments without talking with me and don't believe me!!! 

Please help! I use that money for rent, food and clothes.

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 2020-10-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
Collection company is trying to collect an early termination fee of {$3000.00} but doesn't have a valid contract. Apartment complex XXXX decided to swap out a page of previously signed contract and the terms of my contract. The complex automatically broke the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX. I'm a XXXX XXXX and XXXX XXXX and XXXX XXXX with over ten years of experience. Any work during these unprecedented times is a true blessing. I was fortunate enough to XXXX a XXXX XXXX XXXX last month and spread commerce by XXXX a couple local crew and vendors. I was paid {$6000.00} for the XXXX ( a bargain for the client! ) and I received the check on Saturday, XX/XX/XXXX. 

I deposited the check into my Bank of America account on Sunday, XX/XX/XXXX. I then received a notification that the money would be held in its entirety until XX/XX/XXXX, over 10 days later. I attempted to call Bank of America today, XX/XX/XXXX, as they were closed yesterday for XXXX XXXX. I spoke with 3 different representatives, including a supervisor in XXXX, who all told me there was absolutely nothing that could be done and I would have to wait until that day. I asked the supervisor if there's anyone else I could talk to and she said there was absolutely no one above her and no one could help me. Her name is XXXX and her employee number is XXXX. I explained to XXXX and the other representatives that I need this money to pay my back bills and my crew/vendors. I'm a freelancer, and this is how it's always worked. They told me because I've never deposited a check from this particular bank before, the funds would be held until that assigned date. I asked if any of them could please call the bank or contact them to verify the funds or at least make the date sooner if possible, and I was met with absolutely no help. I've been a customer at Bank of America for over 15 years, but it just doesn't matter. 

We are in a pandemic, and everyone is swimming upstream at the moment. I'm not trying to pull one over on anyone, I'm just trying to get access to this money to pay my crew. This is affecting my job, my reputation, my livelihood and my life. Please help 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 2020-10-13 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: CITIBANK, N.A.
State: IL

Complaint narrative:
The company called XXXX XXXX, holding my debt from CITIBANK, NA ( BEST BUY ) has been sent 6 letters from XX/XX/XXXX until XX/XX/XXXX trying TO SETTLE this debt and get it REMOVED from my credit files! They have ignored ALL ATTEMPTS to communicate with them or settle this debt! Instead they called family and friends and made me look like a fool! ALL I wanted to do for over the past year is SETTLE the debt and have the information REMOVED from my credit file! 
XXXX XXXX account # XXXX amount offered for settlement {$190.00} No one has ever responded to my repeated attempts to settle this matter.

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 2020-10-13 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: ARS National Services, Inc.
State: IL

Complaint narrative:
COMPANY CALLED XXXX XXXX XXXX XXXX HOLDS MY DEBT FROM XXXX XXXX XXXX THEY HAVE RECEIVED XXXX LETTERS FROM XXXX OF XXXX TO XXXX OF XXXX TRYING TO SETTLE THIS DEBT! 
THE SETTLEMENT OFFER WAS XXXX WHICH I AM STILL WILLING TO AGREE WITH AS LONG AS THEY RESPOND TO ME, ACCEPT THE OFFERING WRITING AS WELL AS PUT IN WRITING THAT ANY AND ALL INFORMATION PERTAINING TO THIS WILL BE REMOVED FROM ALL THREE CREDIT BUREAUS. 
THEY HAVE REPEATEDLY IGNORED ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNT IN MY NAME WITHOUT MY CONSENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: TN

Complaint narrative:
Was sent a direct mail from XXXX XXXX XXXX XXXX  regarding me being in my home for XXXX months and being eligible for XXXX VA XXXX refinance. The letter included a XXXX XXXX XXXX worth {$100.00} and said it was as a thank you for your service and due the time in current home. To activate the card you had to call a loan agent though and get their sell tactics for the loan. I listed and said I was not interested but once I did that they hung up and failed to activate the XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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:
I have been trying to dispute a bankruptcy reported on my credit reports several times but it has yet to be removed. I spoke to the Clerk of Courts in XXXX XXXX where the bankruptcy was filed and was told they did not report it to the bureaus but the bureaus keep stating this information is being verified by them. I also requested a my records from XXXX and was advised they have no record of a bankruptcy on file. Although I have disputed this inaccuracy several times they have yet to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i am writing for 2 reasons. one is i own XXXX XXXX XXXX XXXX XXXXXXXX XXXX in texas and we have been getting letters to a XXXX XXXX credit card letters no such person exists and it needs to be stopped. this is not my current mailing address please look into it. thank you second reason i write i got a letter about XXXX i disputed i cant tell what the status of it is by this letter or if it was credited not sure the account but it was from XXXX and i never got the merchandise told the merchant as well so i should not pay for it. please let me know the status. nd please credit sas it was never received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
My complaint is against Monterey Collections, first I want to mention that I had sent them a cease and desist since I never agreed to work with their organization nor did I receive a documentation stating that I would agree to work with their company and they failed to abide by the cease and desist. Additionally, Monterey Collections has portrayed themselves as Attorneys on my credit reports. I had contacted both the original creditor and the collection agency relentlessly for cancellation options.

We weren't even coherent and yet they fail to assist us! We never used the timeshare either and had mentioned to mutually cancel the contract based on the circumstances and yet the original credit failed to respond to us. Finally, they informed us after months it was cancelled, we were never informed it was going to collections or had any idea until we received a letter say they can put a judgement against us!? We were trapped, poisoned, did not understand the contract of what we were signing into this contract. I then lost my job so contacted them for option in which everyone failed us! Now, Monterey collections has been adding fees at an alarming rate to our reports and affecting our ability to obtain credit. I DEMAND THIS REMOVED FROM BOTH OF OUR REPORTS, WE FEEL WE ARE BEING FORCED TO WORK WITH THIS COMPANY OTHERWISE THEY WILL RUIN OUR CREDIT, THEY FAIL TO PROVIDE US WITH OPTIONS, WE NEVER AGREED TO WORK WITH THEM AND THEY NEVER PROVIDED PROOF OF DOCUMENTATION. THEY ARE REPORTING PAYMENT HISTORY WHEN WE NEVER SIGNED UP WITH THEM, THEY ARE REPORTING PAST DUE ON AN ACCOUNT WE NEVER SIGNED AN AGREEMENT WITH THEM FOR. THEY ARE ADDING INCREASING FEES AND THE REPORTS DO NOT MATCH DELETE THIS ACCOUNT FROM MY REPORTS IMMEDIATELY AS I WOULD LIKE TO CEASE ALL COMMUNICATION AND ATTEMPTS TO WORK WITH YOUR COMPANY, AS WELL AS PROVIDING PROOF THAT MY ACCOUNT HAS BEEN CANCELED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My complaint is against Sallie Mae , Inc. and XXXX XXXX XXXX XXXX. I previously had a student loan through Sallie Mae that was paid/satisfied for {$940.00}. My bank, XXXX, was able to confirm this on a credit report from XX/XX/XXXX, when I was working with them as a first-time homeowner. In order for them to finance my house I could not have any open judgements.

I'm currently in the process of selling the house that was financed. On  XX/XX/XXXX, my realtor stated that the closing attorney located a judgement against me that would need to be paid from my closing proceeds. He sent me a copy of the judgement and it was the same one from Sallie Mae that was paid/satisfied years ago, except it had accrued interest. The balance was now {$2000.00} ( {$2000.00} by the time of closing ).

When I contacted Sallie Mae they stated they had no record of the  loan. They transferred me to Navient who also stated they had no record of the loan, so they transferred me to XXXX. XXXX was able to verify that the loan was sold to XXXX XXXX XXXX XXXX, so I requested that they contact me to discuss. When I spoke with XXXX XXXX XXXX XXXX  they stated they received the loan for collections in XXXX from Sallie Mae and had no record of a payment. I told them about the loan showing paid/satisfied on my credit report 7 years ago. The representative stated the credit report and/or a statement from the bank was not enough. I would have to provide a copy of the actual payment directly to them or Sallie Mae. The representative was very rude and stated " the issue is the loan was never paid in the first place '' meaning she did not believe me. I have been calling XXXX XXXX XXXX XXXX  and Sallie Mae for over a week trying to resolve this issue. None of the information or lack of information from both companies makes any sense. Since the judgement was

sent to my County 's Clerk of Court for civil processing directly from Sallie Mae , Inc., they should have a record of my loan account and the payment history. I just moved out of the house into an apartment for the closing, so all of my previous mortgage and student loan docs are in storage. XXXX stated they would try to search my checking account for transactions. However, it could take awhile since I'm unable to
provide any actual payment dates. I graduated in XXXX and the loan had to have been paid off between then and XXXX. The sellers closed on the house today and the loan payoff was taken out of my closing proceeds. I would like CFPB to investigate this unfair business practice of trying to collect on a loan that has already been paid/satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: U.S. BANCORP
State: IL

Complaint narrative:
COMPANY CALLED XXXX XXXX XXXX XXXX HOLDS MY DEBT FROM ELAN FINANCIAL SERVICES THEY HAVE RECEIVED 6 LETTERS  FROM XXXX OF XXXX TO XXXX OF XXXX TRYING TO SETTLE THIS DEBT!

THE SETTLEMENT OFFER WAS XXXX WHICH I AM STILL WILLING TO AGREE WITH AS LONG AS THEY RESPOND TO ME, ACCEPT THE OFFERING WRITING AS WELL AS PUT IN WRITING THAT ANY AND ALL INFORMATION PERTAINING TO THIS WILL BE REMOVED FROM ALL THREE CREDIT BUREAUS. 
THEY HAVE REPEATEDLY IGNORED 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 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I have never had the account that the debt collector is trying to say I owe. this has gone on for years dating back to XX/XX/2016. I have contacted XXXX XXXX XXXX many times over the years to dispute this debt and they keep telling me that it is my debt.They tell me it is an account from SYNCHRONY BANK Original Creditor. I have not had any accounts with this bank ever.

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 2020-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Frost-Arnett Company
State: IN

Complaint narrative:
I receive a blank envelope in the mail with no information other than my name, address, and sender address.

The issue arises when looking at the visible paper through the plastic of the envelope : the paper used to print was thinking enough you could easily read what was on the other side, albiet backwards.

This revealed information regarding the company sending the letter, listed " payment options '', and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNT IN MY NAME WITHOUT MY CONSENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX t

o Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation