vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 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:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.

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 2020-09-15 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:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: LEXISNEXIS
State: CA

Complaint narrative:
I have filed multiple disputes with XXXX XXXX  and XXXX about this bankruptcy that has been showing on my report for I'm not sure how long. I have notified them over and over about this docket and they keep telling g me to contact lexisnexis a company that is reporting information to them. I called lexis nexis in XX/XX/2020 to request a report and once I received the report I saw the bankruptcy and immediately disputed the information. They sent me a correspondence stating the bankruptcy is some how " verified '' so I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ). Which states that : a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I have not recieved any corresponding information from lexisnexis to determine the validity of this alleged bankruptcy on my file. I have already been notified of my mixed file by the 3 bureaus and lexisnexis refuse to remove this inaccurate information in my file. Also, XXXX   XXXX XXXX, and Lexis Nexis are in violation of fcra 616, 617 and 611 ( a ) ( 6 ) ( B ( iii ) refusing to reasonably investigate and refusing to remove this unverified inaccurate information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
My wife and I are both unemployed due to COVID-19. We currently have 3 accounts with BBVA USA. Since XXXX which is the start of COVID, there have been charges for overdraft fees in the amount of {$960.00} just on one account. These came without the bank making a single phone call. We also have overdraft protection on the accounts which it turns out was a bad decision because if they had denied payment, none of my other creditors have charged a fee, meaning the payment just wouldnt have gone through, however, BBVA still would have charged the overdraft charge. ( What is the overdraft protection for????? ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
Debt Collection agency called " Convergent '' mailed me on XX/XX/XXXX that creditor : XXXX XXXX placed a debt of {$80.00} against XXXX XXXX XXXX. 
I contacted Convergent in XX/XX/XXXX first week that I don't recognize these charges as I moved out from Arizona in XX/XX/XXXX, where I took services from XXXX & I cleared all my dues & made all payments on time. So, I need to check with XXXX & asked Convergent to put this on dispute. Convergent said till the dispute is sorted out, they will not report this debt to any Credit agencies. 

I contacted XXXX XXXX Collections department to discuss this matter and they informed me it is a reporting error from XXXX 's end and I don't owe anything towards XXXX equipment. The charges will be reverted by XX/XX/XXXX and I should inform Convergent about it not to report this debt to any Credit agencies. I wrote 4 times to Convergent email provided in there letter received via mail, but have not received any response. 
On XX/XX/XXXX I generated XXXX  credit report as it was required for my rental home application. I was disappointed to see that Convergent reported this wrong & disputed debt as I owe {$80.00} towards XXXX XXXX. 

I called Convergent to report why they reported this as debt to XXXX credit agency when this matter is in dispute? and I already clarified that XXXX confirmed this is a reporting error from XXXX side. They said it will be reverted as {$0.00} in 40 days & can't explain why it was reported to XXXX   They also confirmed that I don't owe any debt. 

I feel ashamed that my landlord agency questioned me about this debt in my rental application & said they have to rethink about my application. I think this will be reported to any credit card agencies as well if I apply for credit cards or bank accounts. 

My intention to complain is such agencies like Convergent should not be allowed to report wrong debt collections until matter is in dispute and when I am constantly updating them with latest developments. Ultimately, it was mistake of XXXX as reporting error and Convergent to report to credit agencies. I was not at mistake.

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 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This account was paid in full last year 2019. I am tired of receiving different collectors on this account reporting to my credit bureaus. My next step is to hire a consumer attorney if this shows up again! This is the 3rd time that this account has been removed and reappeared. It needs to be deleted ASAP! I do NOT owe this and it was paid with the original creditor even before account was closed. Remove now and stop reporting this ACCOUNT 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 2020-09-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WESTERN MASS CREDIT CORP.
State: MA

Complaint narrative:
Recieved numerous calls claiming I still owed a private school money after filing chapterXXXX. Company refused to acknowledge the debt was included in my discharge claiming it was a *student loan* I was paying my tuition out of pocket with NO LOANS and what federal loan I did take was already PAID OFF. I have contested this with XXXX  using THEIR OWN RECORDS of dates of discharge. They refuse to remove the negative statement from my credit report, instead aiding with creditor. I have the discharge and it states clearly the schools monies owed XXXX XXXX ] was included in discharge. I contacted the school, they dismissed me BACK to the collection agency!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
I called Keynote Consultants who is managing a collection account of mine for XXXX XXXX at XXXX XX/XX/20 The man I spoke too identified himself as XXXX XXXX XXXX Now Mr. XXXX is listed as the company 's COO and I highly doubt that he himself would be handling collection accounts or speaking to debtors in such a derogatory manner. But that's besides the point. I was looking to see how accouny could be settled. I asked if I could offer and amount to be presented to XXXX XXXX yo clear debt and update as such on my credit. The man on the phone stated " I can settle debt, but I can't remove it from your credit, I'm not even allowed to, its against the law. '' Now am I to believe that if I settle a debt I can not receive it in writing? That if I settle a debt I can't have it updated to my credit as paid? 

He proposed a question, " If i close this account for {$3800.00} but don't send it in writing and don't report it as paid do you want to settle? '' I answered " not without it in writing '' His response " enjoy seeing it on your credit for 7 years and hung up '' Someone please help the way this person spoke down to me and refused to present offers to client is very wrong.

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 2020-09-15 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: PA

Complaint narrative:
As I stated before as the consumer that I sent a certified letter with return receipt to all 3 credit bureaus requiring according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), that they are required by federal law to verify through the phyiscal verification of the orinigal signed consumer contract. Any and all accounts they post on my credit report. Otherwise, anyone paying for them for service could fax, mail or email in a fraudulent account.

I demand to see the verifiable proof ( an original Consumer contract with my signature on it ) no response accept XXXX  said they updated it but didn't send me any proof on file ( Section 609 ( a ) ) on the accounts I listed. I have attached both letters that was sent so they could notify the creditors or collections companies. So, I did notifiy you guys through the credit bureaus so you are still non-compliance because they said you were in compliance.

Your failure to verify positively these accounts have hurt my ability to get house and other credit. I have read the website CFPB, FTC and other sources. That under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
1 ) XXXX XXXX 2 ) XXXX XXXX XXXX 3 )  XXXX  I will be mailing out certified letter with return receipt today and have attachment them in this complaint. Please have them items deleted from my credit reported within 15 days. Because the credit bureaus said you guys to them you met the standards but you have committed fraud. As, goodwill gesture that all I want you guys to do have them deleted these items. So, by law of these accounts should be deleted no proof was given.

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 2020-09-15 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: PA

Complaint narrative:
As I stated before as the consumer that I sent a certified letter with return receipt to all 3 credit bureaus requiring according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), that they are required by federal law to verify through the phyiscal verification of the orinigal signed consumer contract. Any and all accounts they post on my credit report. Otherwise, anyone paying for them for service could fax, mail or email in a fraudulent account.

I demand to see the verifiable proof ( an original Consumer contract with my signature on it ) no response accept Equifax said they updated it but didn't send me any proof on file ( Section 609 ( a ) ) on the accounts I listed. I have attached both letters that was sent so they could notify the creditors or collections companies. So, I did notifiy you guys through the credit bureaus so you are still non-compliance because they said you were in compliance. 
Your failure to verify positively these accounts have hurt my ability to get house and other credit. I have read the website CFPB, FTC and other sources. That under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
1 ) XXXX XXXX  2 ) XXXX XXXX XXXX  3 )  XXXX I will be mailing out certified letter with return receipt today and have attachment them in this complaint. Please have them items deleted from my credit reported within 15 days. Because the credit bureaus said you guys to them you met the standards but you have committed fraud. As, goodwill gesture that all I want you guys to do have them deleted these items. So, by law of these accounts should be deleted no proof was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX  and Experian are fraudulent on my credit : XXXX   XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX U S DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX   XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-09-15 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
This company reduced my credit limit by more than 50 %. I want my {$5200.00} limit restored.

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 2020-09-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
An account with XXXX XXXX was open in my name with an identification card that doesnt belong to me using my social security number ... Ive filed a dispute with Experian and they always come back and say it has been verified ... I contacted the company which told me they have responded and they arent reporting this trade line ... Experian is refusing to delete this account from my credit file ... which was open fraudulently ... I have submitted a police report to Experian and they continue to ignore me ... I need this fix.

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 2020-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XX/XX/2020 - XXXX XXXX XXXX calls and the phone Identified them as " XXXX  XXXX XXXX '' the call was from XXXX. An automated message stated that I have a debt to pay and to call back immediately. They gave me a number to reference XXXX. 

I called and asked for who the collector is etc. The acct. ends in XXXX, original debt is from XXXX XXXX for {$700.00} ; they also gave me an address for a home that I haven't lived in for over a decade. I asked for their address so I can send a validation letter, and I was hung up on. I called back, spoke with XXXX, and told them that I am a victim of ID theft, and I want their address. They put me on hold then said they could email me and asked for my email. I said no, I want their address for validation. I said I would be contacting the FTC, Consumer Affairs, XXXX, and others, and I am taping this, so I want their address. I was going to ask for also a written notice of validation by mail, but I never had the chance. XXXX said that they could not be taped and hung up on me. I cant send anything to a company without a valid address for validation. I cant even find an address online. 

I have had one credit card in my whole life, and it had been canceled over a decade ago. I do not have debt with this company or XXXX XXXX. I am a victim of ID theft. 
XXXX next send a certified letter to XXXX  XXXX since I have an address for them due to past ID theft and I after filling out a FTC ID theft but I have no information on XXXX XXXX XXXX or even if the debt is valid. I would like XXXX XXXX to stop opening up invalid accounts under my name or my husbands name. I currently have a fraud alert active with the 3 main credit companies. I also am opening up an account for XXXX XXXX ( this week ) to fix the XXXX  Fax Data Breach issues my spouse and I have been battling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nation One Mortgage Corporation
State: NJ

Complaint narrative:
When the application was initially taken on XX/XX/XXXX the interest rate was 4.25 with no points but an origination fee of {$4100.00} based on a credit score of XXXX. On XX/XX/XXXX XXXX XXXX called to say that the interest rate went up to 5.375 due to the credit score going down. The final credit score on the closing documents is the same XXXX. At that time ( XX/XX/XXXX ) we asked XXXX if we could use another lender and he said no you can't do that. When we asked about the {$4100.00} origination fee XXXX said this loan was under water. I didn't know what that meant. With our settlement date less than 1 week away ( XX/XX/XXXX ) we thought there were no other options as we really wanted this home we completed the closing. In addition once we were made aware of the rate 5.375 with {$4100.00} origination fee we searched other lenders interest rates/fees and were told 2.625.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WATERMARK CAPITAL, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I submitted an application to WaterMark Home Loans through XXXX XXXX NMLS ID # XXXX. On XX/XX/2020 XXXX contacted my wife and I to review the interest rate and our monthly payments. At the end of our conversation I ask XXXX to e-mail me the loan estimate. XXXX 's reply was I don't have the bandwidth to do that. I pressed further and mentioned that I didn't think this was right and he said he doesn't have the time to send everyone that applies a written up estimate just so they can go shop other lenders with it. At that point I got off the phone. A little bit later I did some research into it and found that because I submitted my application with the information with my name, income, SSN, address, estimate of the home values, and the amount to borrow that he was required to send me a standard loan estimate within three business days. 

I called XXXX back and let him know that I still wanted the loan estimate and that he was required to by law. XXXX got quite for a few seconds and then responded with ridiculous answer claiming we hadn't really finished the application and that he wouldn't be a paper pusher just to satisfy one customer. The same application we have done with multiple other lenders who quickly returned to us with the standard three page loan estimate. XXXX still wanted us to lock in the rate he quoted without having ever seen the loan estimate sheet I am entitled to see prior to locking in a rate and continuing on in the process. 

Later that evening I decided to call WaterMarks corporate office in California. The receptionist talked with XXXX about why he hadn't given us a loan estimate. The information he gave her was that it wasn't their policy right now to provide a loan estimate. 

Had XXXX given me the required documentation, my wife and I would have happily refinanced through him as he had the best rate. Not being able to check the numbers leads me to the point I'm at now. We have been given three different responses as to why he would not provide a loan estimate after we submitted all of the required information on our end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: IL

Complaint narrative:
The companies " Trans Union and XXXX  '' continue to report inaccurate information on my credit report. I disputed the inaccurate information correctly and they claim they verified the information. I challenged the information and asked them who verified the inaccurate information? Because it's against the law to report inaccurate information on a credit 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