vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 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: FL

Complaint narrative:
While checking my credit report on XX/XX/XXXX, I discovered that there is a collection on my report from a company named Convergent Outsourcing for {$950.00}. I called them and they mentioned it was from XXXX. I was surprised because I'm a client of XXXX and have been since XXXX and I pay my monthly bill and had no past due balances, and they were not calling me to collect any debt. So, I called XXXX. After talking to 5 or 6 different people from XXXX, they determine that the collection balance was related to the fact that I transferred my account when I moved using the mobile app and according to them, that created a new account in their system and, once I moved, I never knew they were charging me anything. Their explanation makes no sense to me. Why would XXXX have an application to transfer services when you move and then penalize you by opening a new account and left hanging the old account to create charges for equipment not returned, and a snowball of charges and penalties unknown to me? On top of that, they had me and have me as a client!! XXXX could have called me and send me letters to my current account and address ( which is what they should have done by consolidating the 2 accounts when I moved like I have done on other occasions in previous moves ). To add insult to injury they sent the old address account to collections seriously impacting my credit not only for an incorrect amount but without my knowledge and without giving me a chance to dispute it. They have violated so many consumer protocols!!! And when you call either Convergent or XXXX, they give you tons of excuses but don't solve the problem they created. On my first dispute, they reduced the {$950.00} alleged debt to {$370.00} without any explanation and when I called to ask about the new balance NO ONE could explain why. At this juncture, I want the collection to be erased from my credit. If these companies can be penalized under the FCRA or any other law, I want them to be fined as well. It is very unfair to ruin a current customer 's credit by reporting a collection that they created and that is not only inaccurate it is simply wrong and non-existent for an equipment that they know I have and use within the new account that I've had with them for XXXX years before they reported the collection.

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 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PlusFour, Inc
State: NV

Complaint narrative:
Collection agency ( Plus Four ) unable to provide any supporting documentation for this debt. I have no knowledge of this debt or this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Dear Citi Executive Response Unit : I received your letter dated XX/XX/XXXX ( see attachment ) in regards to the dispute for {$130.00} dated XX/XX/XXXX. I notified Citi immediately as soon as I saw the charge on my Account as per the cardmember agreement that I did not authorize this transaction ; yet Citi did not do anything to protect my account from the unauthorized charge. This is a breach of the agreement by Citi. If this transaction is not removed from my account immediately within 10 business days, I will be pursuing alternative options of resolution outside of Citi for resolution. 
Sincerely, 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 2021-02-26 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. I am writing to request that you block the following unauthorized information from my credit report. I have no idea how the misinformation come to take place. I pulled my credit report in XXXX, 2020 and there were inquires and open accounts on my credit report that are not mine and ARE UNAUTHORIZED.

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 2021-02-26 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. I am writing to request that you block the following unauthorized information from my credit report. I have no idea how the misinformation come to take place. I pulled my credit report in XXXX, 2020 and there were inquires and open accounts on my credit report that are not mine and ARE UNAUTHORIZED.

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 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: UT

Complaint narrative:
I received a gift card from my employer and registered the card. The card was used by someone and attempted to dispute the transactions. No action was taken by the card issuer and was told they will send me a form which I never received when I reported the issue 4 weeks ago

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: MD

Complaint narrative:
During the application process the lender fees were not disclosed despite my repeatedly asking before consenting to a hard pull. I was very specific that I was only consenting to a hard pull if the deal I saw on the aggregator website was exactly what I was getting since all the information I provided was accurate and verified. When I received the initial disclosures I saw the large lender fees and complained. The company, in writing, agreed to a 0.25 % lender credit which I accepted. This was several months ago and they are refusing to provide documentation. Throughout the process they repeatedly promised me I would see new disclosures very soon. When I received the final disclosures months later, it did NOT include that credit. When I pointed out their error they said they would get me new disclosures. It's now been 9 days with no reply. Since interest rates have increased greatly since I started this application, I am no longer able to refinance my mortgage at similar rates and am stuck. Feels very much like a bait and switch UDAP violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
Calling when I dont owe debt. This is a new phone line. They need to stop calling

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: PA

Complaint narrative:
i am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received a debit Visa card from USBank ( Reliacard ) with a notice to activate it. I have not filed for unemployment benefits or anything else. I have read that this means I may be a victim of fraud. Calls to all of the numbers I have result in automated responses that don't allow me to go further, or speak to a representative. I have reported to 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 non-monetary relief
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received a fraudulant card in the mail today. It is not in my name, but was sent to my address from " ReliaCard '' issued by U.S. Bank with a return address of XXXX. XXXX XXXX, XXXX, IN XXXX. Despite claims made online that they are there for us " 24/7 '' I have spent the afternoon and, now the early evening, waiting on hold for a real-life human being to inform me if I am a victim of identity theft.

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 2021-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Every loan payment made with Santander Consumer for my used vehicle is going toward interest. NOT XXXX XXXX HAS GONE TOWARD THE PRINCIPAL. I have asked for a copy of my contract via a customer service rep and still have not received a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: OH

Complaint narrative:
To Whom It May Concern : Id like to file an official complaint against Sallie Mae regarding harassing telephone calls and emails. My wife is a cosigner on three student loans our son received. I pay the monthly bill and my wife has authorized me to speak with Sallie Mae regarding the account. 
In late XX/XX/XXXX ( XX/XX/XXXX ), I mailed my XXXX monthly payment to Sallie Mae in the amount of {$320.00}. Starting on XXXX XXXX and daily through XXXX XXXX, we received emails from Sallie Mae implying our payment was overdue. During the week of XXXX XXXX, I received a phone call from Sallie Mae regarding this matter. 
So, whats the issue? My electronic bank records indicate my XXXX payment of {$320.00} cleared my XXXX account on XX/XX/XXXX. Despite this, we continued to get both collection emails and telephone calls weeks after my payment was received, and at least a week after it cleared my bank. 
I previously called Sallie Mae in XXXX to double check that the payment was being sent to the correct post office box and that the correct information was being included on the check. The representative I spoke with told me I was using the correct address and the information I put on the check was correct. 
These events that occurred throughout XXXX have been consistent for at least six months. My wife and I honestly dont know if this is incompetence on Sallie Maes part or an orchestrated attempt to try to get us enrolled in automatic payment, which we choose not to do.

We also dont know how to stop Sallie Maes harassing collection attempts that are being made in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I made a transfer of funds in the XXXX cryptocurrency ( XXXX ) from a binance account to my coinbase account, but the transaction did not appear and the money is missing. Below is the transaction on the XXXX XXXX : XXXX XXXX XXXX I wrote to coinbase support a short while after the transaction was validated, but did not receive an answer after two weeks of waiting. Following are the support tickets I submitted XXXX and XXXX After making the transfer I noticed that the wallet address for transfers changes every time I pick a currency, so I suspect coinbase just steals all the crypto deposits. 
My account is under the address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have sent mailed my FTC report to Transunion and Im still waiting with no response. I feel violated and a violation of my rights.

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 2021-02-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and misleading items on my credit report. As of today, over thirty days later, I have not gotten a response regarding the items I have disputed. In accordance with the Fair Credit Reporting Act Section 611 A ( 15 U.S.C. 1681I ) it clearly states a failure to investigate these items within thirty days gives a reason to immediately remove these items from my credit report. I demand these items be removed promptly in accordance with the law. My information was also impacted by the XXXX data breach.

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 2021-02-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and misleading items on my credit report. As of today, over thirty days later, I have not gotten a response regarding the items I have disputed. In accordance with the Fair Credit Reporting Act Section 611 A ( 15 U.S.C. 1681I ) it clearly states a failure to investigate these items within thirty days gives a reason to immediately remove these items from my credit report. I demand these items be removed promptly in accordance with the law. My information was also impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gatestone & Co. International Inc.
State: WI

Complaint narrative:
My husbands company, Mr. XXXX XXXX was sold to another individual and Mr. XXXX XXXX was closed in XX/XX/XXXX. They had a debit card through XXXX Banking that was also closed at the time of the sale. Between the close of the account and the next billing cycle, a charge of {$24.00} was processed thru the account. We no longer received statements on the closed account, so we had no knowledge of the outstanding charge - which we never disputed. Had we known, we would have paid the balance promptly. In XX/XX/XXXX we received a Memo Statement from our bank indicating an unpaid balance of {$310.00} with a statement on the Memo Statement stating for information only - do not remit payment.. We visited our local banker and at this time were informed that they can not resolve the matter and that the debt had been assigned to XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX. To date we have never received any written notice that the initial amount and resulting late fees and interest are due from XXXX. We only continue to receive the Memo Statements from our bank. 

We have contacted XXXX ( XXXX ) to resolve this matter but are only allowed to speak with persons who will except full payment, but not consider this matter to an agreeable conclusion. If we owe the {$24.00} - that is not an issue. What we do not feel is fair is to charge us the late and interest fees for the past two years without ever receiving a method in which to resolve the matter. 

The last conversation in had with XXXX on XXXX XXXX they told me to write this matter to the attention of XXXX. I did so that day and have not received any response. Today, I received another Memo Statement from XXXX showing the current balance as remaining at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I recently received my federal taxes and used a good portion of it to completely pay the balances on both of my Capital One Credit cards. Both payments were paid instantly out of my Fidelity Cash Management Account and funds were deducted in real time. This was on XX/XX/XXXX. 
3 business days later I tried using my credit card for some diapers and milk, etc..and my card available credit is still XXXX. On both cards! 

I called customer service TWICE! The first time I spoke with someone I barely understood and they told me they placed an 8 day hold on my account, but then they were gon na reverse it after calling my bank to verify the funds were released. Well because of the while XXXX trading app debacle, fidelity has seen an increased volume in phone calls from people switching brokerage firms and we were on hold until I had to leave for work. So I ended the call with no resolution. 

In the meantime I logged onto my banking app to confirm and found out that the double dipped BOTH PAYMENTS!!! 

I called back again today and got someone in an American Call center. However, this person was adamant on not helping me. She told me there was nothing she could do even after yesterday there was a solution being attempted. I escalated to a manager. His name was XXXX. He literally patronized me the while time. " I understand, I apologize, blah blah blah. '' So I explain to XXXX that this is unacceptable that just yesterday a rep was calling my bank so they could release my available credit, and now they aren't even interested in helping me at all. 

I told him I should just close my account if that's how they treat a loyal customer, and that dude literally didn't even care. Straight up just said eff you, we have other customers, and closed one of my two accounts almost instantly. 

I'm so sick of credit card companies XXXX on poor people and holding their money for unjustified reasons. It was an instant debit payment from a Cash Management account. No XXXX way does it take 8 days to make sure you got the payment. They could have called my bank tonight to verify and kept a customer satisfied. Instead, the chose to not give a XXXX. I've attached a screenshot of my actual account SHOWING the payments being taken ... ..TWICE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
For many months I did not realize or check my credit reports until one day I was called by one of the companies about a 'new card I had opened up '' To my surpise I didnt realize my identity was pretty much stolen and I was a victim of fraud. And later when I checked my credit report there were several inquiries I had not recognized!! 

The crazy thing is that I reported all of this months ago and the companies assured me they would be removed from my account but somehow the credit pull is still on my account after several months!! 

This is very ludacris I have to go to such extents to protect myself. This has hurt my chances of buying a house and I am tired 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 non-monetary relief
Consumer complaint received 2021-02-27 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: MO

Complaint narrative:
This is my second time report Experian. Experian has refused to remove inaccurate information from my credit report whereas Equifax and XXXX  have removed the same inaccurate information from there system but Experian has fail to do so I have disputed these items over 10 times and they still remain. I am the original creditor and consumer.

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