vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-24 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: Convergent Resources, Inc.
State: AL

Complaint narrative:
In XX/XX/2018 Convergent Outsourcing contacted me about what turns out was an old XXXX bill for {$750.00}, which was incorrect way back a long time ago. I told the representative, who sounded foreign, that I do not owe that because it was discharged several years prior because I had contacted XXXX  a long time ago and they told me it had been discharged. He began to raise his voice and tell me I was wrong and yell. I told him I wasn't paying it and they need to remove it because it should not be on my credit report. He kept talking over me and threatened to report it on my credit, which they did immediately. I told him not to ever call me or contact me in any way again. Since then, it keeps getting reported to look like there are late payments and at first glance it looks like it's an account that was opened in XXXX of 2018 because they actually had reported it then. It has been updated every month since XX/XX/2018 and looks like late payments. I do not owe these people and I want it removed from any credit bureau they have reported it to. I was so upset after this guy 's harassing call, I was in tears. I have enough on my plate with health problems and stress in my family. Please, please help me get this removed. I have read other peoples ' issues in dealing with this company and some are very similar to mine and worse. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Company responded stating that the prepayment fee structure they imposed on me " is standard for a 5 year business loan ''. 
This statement is not true as I have the paperwork from when we took the first note with Associated bank. Initially we were promised a 5 year note on the first note back in XXXX. On that note it says that the pre-payment penalty is equal to 2 % of the outstanding principal amount. As a consumer we do not know their " practices ''. If I did not have the paper from XXXX I wold have not known that they are misleading me now on their response from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report on Equifax and XXXX I notice that both companies are reporting not only inaccurate information. They are reporting two different things as well for a previous account that I had with XXXX XXXX. I have disputed this account with both companies previously and nothing has been done. This in fact is a violation of my consumer rights according to the FCRA. As a result I would like for the above mentioned companies to remove this account from my credit report IMMEDIATELY. 


I am really outraged that I have been going back and forth with the credit reporting agencies about this account for sometime. If nothing is done about this I will be forced to take legal actions and will exercise my consumer rights and file a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon reviewing my credit report on XXXX and Experian I notice that both companies are reporting not only inaccurate information. They are reporting two different things as well for a previous account that I had with XXXX XXXX. I have disputed this account with both companies previously and nothing has been done. This in fact is a violation of my consumer rights according to the FCRA. As a result I would like for the above mentioned companies to remove this account from my credit report IMMEDIATELY. 


I am really outraged that I have been going back and forth with the credit reporting agencies about this account for sometime. If nothing is done about this I will be forced to take legal actions and will exercise my consumer rights and file a lawsuit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This consumer filed complaints with the CFPB against XXXX XXXX XXXX and Cach llc.  XXXX XXXX XXXX answered first and in their response indicated that Cach llc declared chapter XXXX bankrupty and subsequently their entire portfolio was sold to Resurgent Capital Services. The response that this consumer received in regards to it's complaint against Cach llc was from resurgent capital services and no where in their response did they indicate there had been a bankrupty and that this consumers judgement debt had been sold. Cach llc/resurgent capital services and their attorneys knew or should know that when a debt is sold the rights to enforce it must be assigned and resurgent capitals response to this consumer is misleading as they have omitted any reference to the bankruptcy which ended cach lls ownership of the debt. 
Subsequently XXXX XXXX XXXX on behalf of cach llc filed a writ of garnishment against this consumer in the XXXX district court of XXXX XXXX mi. This consumer objected in part due to the lack of an assignment. A hearing on the objection was held on XX/XX/2019. the court adjourned for 30 days to give cach llc time to get the assignment as required by the statute of frauds in michigan. At a hearing held on XX/XX/2019 an individual who did not clearly state his name and did not state his P number on the record appeared on behalf of cach llc still without an assignment and indicating that XXXX XXXX XXXX bought the debt to which he and Judge XXXX XXXX agreed to. Judge XXXX XXXX changed his opinion on the plaintiff needing an assignment to the defendant needing to prove that cach llc and its portfolio  was sold to resurgent capital services in a chapter XXXX bankruptcy which the defendant has procured from the public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: MO

Complaint narrative:
A company called Portfolio Recovery has continued to harass about a debt from over twenty years ago. The debt is suppose to be from XXXX XXXX credit card from over 20 years ago. I went thru a debt consolidation company which I paid off. The credit card in question had a credit limit of {$300.00}. This company tells me that I owe {$3000.00} and that I can set up a payment plan. I have never acknowledged this company or debt but they continue with mailers and constant phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GMA Investments, LLC
State: FL

Complaint narrative:
Today, XX/XX/2019, XXXX from Summit Receivables contacted my work phone number. A co-worker who is now in that position answered the call. When XXXX asked for me, my co-worker explained that I am no longer in that department. XXXX said that she was from Summit Receivables and this was an attempt to collect a debt. She told her that the call was being recorded. My co-worker looked up my new phone number to transfer the call. I do not know who the original debtor is or what is owed. I am furious that I would be embarrassed at my place of employment by speaking to someone other than me.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo wrongfully reported me late for the month of XX/XX/XXXX attached is a statement that shows I paid in XXXX my XXXX payment and also another payment for the next month and never applied it or XXXX payment then reported me late. 
Ive called them and they claim that I am not allowed to pre pay a month in advanced, when I asked them to show me that in my contract where Im not allowed to do so - they replied that it doesnt show anywhere in the contract where I am allowed to prepay next months mortgage payment. 

Please advise

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Roycroft Management
State: SC

Complaint narrative:
First I want to point out that this complaint is not about the original creditor XXXX. This complaint is related to the third party collector, Central Mediation Services. I did default on the loan initially taken out for {$800.00} total with finance charges {$2000.00}. 

I received a call from XXXX, phone XXXX on XX/XX/2019. He left a rude message stating he did not know what I had gotten myself into and threatened to show up to my job and home to serve me papers which scared me. He threatened I would be sued for fraud, etc. He also left my full social security number, address and SC Drivers License number on my voicemail. He left a phone number to call back, XXXX. When I called this number the same day I was transferred to XXXX XXXX at Central Mediation Services. We got off on the wrong foot and I admit I was skeptical and upset. He initially hung up on me. I called back and ended up being pressured into making a payment arrangement for payments that I could not afford. XXXX XXXX and XXXX sounded like the same person to be honest. I was transferred to XXXX who took the payment arrangements and then hung up on me. I was promised paperwork in XXXX hours. I had to call Central Mediation Services back today XX/XX/2019 and request the paperwork. When I got the paperwork I first noticed it had the wrong account number for my XXXX  account. I called XXXX  and they said that my account had been sold to XXXX XXXX XXXX, XXXX. I did call and leave a message for XXXX XXXX XXXX. I also replied to the email that sent the paperwork over and asked how Central Mediation Services is related to XXXX XXXX XXXX. XXXX XXXX ( XXXX ) contacted me by phone from XXXX. He was nice at first answering my questions but ended up telling me my questions were XXXX, said that I should not have taken the loan out, that I did not want to payback the loan and was overall very unprofessional and pushy. He belittled me basically. I asked for a better payment and for the payments to start in XXXX and he stated you have had two years to make a payment and you haven't. He said he was going to recommend XXXX XXXX XXXX proceed with legal action. He also stated that he was cancelling the payment arrangement. I told him that I had left a message for XXXX XXXX XXXX. I was asking for a lower payment and the payments to start in XXXX. Honestly, I thought the entire thing was a scam, he never really explained how XXXX and XXXX are related. Every person I spoke affiliated with Central Mediation Services used scare tactics and threatened me with legal action.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-24 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: IN

Complaint narrative:
Accounts that do not belong to me are being reported on my credit. I did not give anyone permission to open these accounts in my name. I have called Transunion and told them in the past that these are not mine & I have no knowledge who opened them for XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. There is also 2 address listed that do not belong to me XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Wy XXXX XXXX, IN XXXX. My name is XXXX. XXXX & they are also showing that wrong as XXXX XXXX XXXX XXXX, and XXXX, XXXX, XXXX. There are inquires for things I never applied for XXXX, XXXX XXXX, XXXX XXXX. I have filed and also provided a police report as well as identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK
State: NY

Complaint narrative:
On XXXX/XXXX/19, I submitted an application to open a savings account following an online targeted ad. The website instructed me to call to customer service. Customer agent XXXX instructed me to send a copy of my drivers license to the banks email address ( unsecured ) to complete verification. I followed up on XXXX/XXXX/19 : representative XXXX escalated my case to supervisors XXXX and XXXX who promised to come up with the decision by XXXX/XXXX/19. On XXXX/XXXX/19, representative XXXX informed me that XXXX made a decision not to process my application because their internal system was unable to generate questions to verify my identity. XXXX refused to use alternative methods of verification ( statements from other banks, text messages on registered phone, copies of other forms of ID or credit cards ). Vio bank refused to send me an official letter explaining the reasons for denial. 1 ) The banks actions violate my FCRA rights. 2 ) Their verification protocol has disparate impact ( based on race and national origin ). The bank refused to open my account as a result of this discriminatory protocol, thus violating my civil rights. 3 ) The bank exposed me to increased risk of identity theft by forcing me to send them a copy of my DL through unsecured channels, even though they knew or should have known that my DL would not have affected their decision. 4 ) Representative XXXX refused to transfer me to their legal team stating that only litigants represented by accredited attorneys have that privilege.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I notified Equifax regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following company Inquiries : XXXX XXXX  XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b and a serious breach of my privacy rights. I requested copies of documentation associated with these accounts bearing my signature, in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that Equifax maintain under my Social Security number. I have not receive copies of documentation associated with these accounts bearing my signature, they continue to report negatively on my credit report. I sent a follow-up certified letter to Equifax regarding this matter but they still failed to provide documentation bearing my signature. This has been a nightmare, as of XXXX I have filed a Identity Theft report with the FTC report and carry this report everywhere I go. Also, I am having issues with XXXX   removing inaccurate reporting on my credit report company XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX. I have ongoing complaint and investigation filed with BBB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
Company contacted my title company to attempt to acquire funds outside of the amount they already had a lien for. The company informed a third party of my additional debt with them without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, I HAVE CONTACTED THE CREDITOR AND THERE IS NO NEW ACCOUNTS UNDER MY NAME. I HAVE SENT MY IDENTITY THEFT REPORT TO EQUIFAX FOR OVER A MONTH AND THEY HAVE NOT PROCESSED MY REQUEST TO REMOVE THE FRAUDULENT ITEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax affirmed a collection account from XXXX XXXX XXXX ( XXXX ) for an XXXX XXXX XXXX credit card on a dispute filed on XXXX XX/XX/XXXX. This account is now over seven years since the date of first delinquency ( XX/XX/XXXX ) and is illegally being reported by XXXX. This accounted was appropriately deleted by XXXX. 

I have attached some notices of the first delinquency from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Reported to XXXX several times that a collection account has been paid in full, and paperwork supplied, but still showing negative on credit report. Collection agency said they have sent in paperwork also, but this still hasn't been corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX of State Recovery Systems, XXXX, left a message on my cell with a reference #, when I returned the call on XX/XX/XXXX, and asked what creditor they represented, Mile stated he needed further verification, and asked if he had the correct address on file ( which he did ). Given the fact that I had my email hacked recently, I said I would not offer any information, nor confirm my address. I asked hime to please give me access to their website/portal so I may see for myself. He gave me the reference number mentioned in the voicemail, and issued a pin. 

When I went online, https : //www.statesrecovery.com/, and input the the reference # and pin # it states I have a balance of {$290.00} and had my correct address HOWEVER no creditor was identified, only a way to make a payment. Given the fact that my address is correct, and in my experience, creditors try to reach you via mail first, AND I have yet to receive any outstanding bills, AND know I don't have any outstanding debts, I thought it seemed fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, In regards to information requested to verify my Identity : SSN/Proof of Address, please see the attached documents listed - in regards to my prior complaint. 

The requested removal blockage of entries should be completed asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I had make my full mortgage payment in of {$1000.00} in two separate transactions of {$670.00} and {$370.00} from two different banking accounts. My mortgage servicing company Amerihome mortgage returned my payment of {$370.00} and said they will not accept a short payment. I made one payment for {$670.00} from one account on XXXX and a payment for {$370.00} from the other account on XXXX to meet my mortgage payment amount of {$1000.00}. Amerihome mortgage returned my payment of {$370.00} on XXXX. I resubmitted my payment for {$370.00} on XXXX and the Amerihome customer service representative. I am XXXX XXXX in the military and was unable to call due to being out of the country until Sunday, XXXX. I have discussed the situation with Amerihome Supervisor and all of my payments have been returned. Amerihome mortgage 's formal or informal policy is that they will not process payments in two separate transactions. I am unaware if I signed an agreement that states that I can not meet my monthly mortgage payment obligation in two separate transactions. I am sure that I am not the only mortgage customer in this situation attempting to meet my payment obligation and my payments being returned by the mortgage servicer because it is inconvenient for their accounting systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Vehicle was financed on XXXX XXXX and last payment was XXXX balance was XXXX. Chase auto never release the Title of the vehicle. I called chase Auto finance division in yearXXXX their answer was last payment was not clear. '' I asked them if they sent any written notice by mail if they did it send that but they never replied back ''

Company response to consumer: Closed with explanation