vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I received a collection notice from Convergent Outsourcing, Inc. for a bill for XXXX. 

Per response sent via certified return receipt ( attached ) delivered to Convergent Outsourcing, Inc. on XX/XX/XXXX, the account was disputed and proven as fraud in XX/XX/XXXX/XX/XX/XXXX via the CFPB. 

That XXXX has sold, once again, the previously proven fraudulent account to Convergent Outsourcing, Inc. violates Federal FDCPA and State of Maryland laws governing collection accounts. 

I am cc : ing this complaint to the Maryland Attorney 's Generals Office of Consumer Protection and the FTC. 

The account is fraud and was proven as fraud therefore you, Convergent Outsourcing, Inc., are in violation of Federal and State laws attempting to collect 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 2020-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
To all parties, My vehicle was repossessed XX/XX/2018.. Right away I called Nissan because I thought it was an error. Once I found out what happened i tried to explain but no one would listen. Yes, i was behind on my payments but in error. Due to my husband filing bankruptcy not me. I assumed my payments were going directly to Nissan but, I found out not during bk can not make auto payments. Right away i asked to reinstate my loan and allow me to pay all payments right away because i had the money and I was immediately turned down. I was told I must pay all XXXX amt owed which I could not do. 

How does this happen??? I work really hard and would just want my vehicle back to continue to pay it off. The Nissan Finance recovery keeps telling me Fl is not a reinstatement state which I found out is completely wrong.Its just Nissan ... Please Help..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: CA

Complaint narrative:
TRANSUNION, XXXX, and XXXX  permits the debt collector XXXX XXXX XXXX to report derogatory medical collections bills on complainants credit reports. The complainant is presently applying for a mortgage loan modification in which may be adversely affected because of these inaccurate reportings since at the end of the day the Affordable Care Act contained a mandatory health insurance requirement that compels healthcare providers to provide adequate information about enrolling in a health insurance plan such as Medicaid in order to give the physician informed consent.

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 2020-02-18 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: CA

Complaint narrative:
I am victim of identity theft as a result of a previous illness. I have contacted Transunion 14 times to date to please correct the errors. Transunion has failed to provide any verified documents so that I may assist law enforcement in remedying this problem. They have also stated that they did not receive my 2 previous requests but I show successful certified mail delivered on XX/XX/2020. Have attached the tracking information as proof!

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 2020-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I had consolidated my student loan back in XX/XX/XXXX, for XXXX and lost my in XX/XX/XXXX. My servicer was Nelnet I was only offered a forbearance which I did not know it racked up interest and fees and fell even more behind. My taxes were withheId numerous times from Dept of Education I filed for Bankruptcy in XX/XX/XXXX and XX/XX/XXXX trying to get caught up but never did. Fast forward to now My loan was transferred to XXXX. They tried to garnish my wages for an amount of XXXX. I have asked for a statement to see how payments, interest and fees were applied and only got partial years. I went to Dept of Education Ombudsman and was told that Nelnet refuses to let me have a statement of how my loan was processed, they say that they can not release confidential codes so I must trust that the number is correct or supply a statement myself to dispute the charges I cant believe that I do not have access to my payment records or how interest and fees were calculated and just flippently say it looks right to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: Williams & Fudge, Inc
State: NM

Complaint narrative:
On Tuesday XX/XX/2020 at approximately XXXX XXXX, XXXX XXXX, and XXXX XXXX I had three missed calls from a company trying to collect a debt. I called back asking who was calling because I did not know who it was. The lady stated her name was XXXX from Williams and Fudge and a debt collector trying to collect a debt. Asked if I was the person on the account, and again asked who I was speaking to and she proceeded to tell me she was trying to collect a debt for a client and proceeded to tell me about this debt without confirming who I was. I said that Ive spoken to someone about it and I couldnt make a payment plan at the moment because I was in a financial rut at the moment. She asked how long Ive been in this rut and I said a few months. She started to raise her voice and become really rude with me at this point. She said that its been over a year that i owed this debt and said that I owed over {$6000.00} dollars for this debt ( that was not the right amount ) and I needed to pay it. I said that I couldnt at the moment. She then asked if I knew that this is on my credit and if I knew that its going to impact my credit score. I told her yes I know but I still cant. She asked if I filed my taxes, and I asked her why she needed to know and she raised her voice more and said that she had a right to know and if I was refusing to state this information over a recorded line, I said yes I am refusing plus its already going to be taken. She asked from who? I said that it was not any of her business! She then asked if I was going to get a second job to pay this debt. I finally told her that I would not like to speak with her regarding my debt and she should not call my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A.
State: NM

Complaint narrative:
I opened an account on XX/XX/XXXX in the amount of {$1200.00}. I have been paying {$360.00} per pay period. A total of {$1400.00} I checked my account on XX/XX/XXXX and I owe {$1500.00} I asked them what happen and they said i was renewing my loan of {$1200.00} every pay period so the {$360.00} was just the renewal fee. They charge {$30.00} per every {$100.00} They would not accept the {$1200.00} as final payment today as they want the full {$1500.00} even though my payment isnt due again until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: CA

Complaint narrative:
XXXX, EQUIFAX, and XXXX  permits the debt collector XXXX XXXX XXXX to report derogatory medical collections bills on complainants credit reports. The complainant is presently applying for a mortgage loan modification in which may be adversely affected because of these inaccurate reportings since at the end of the day the Affordable Care Act contained a mandatory health insurance requirement that compels healthcare providers to provide adequate information about enrolling in a health insurance plan such as XXXX in order to give the physician informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: CA

Complaint narrative:
XXXX, XXXX, and EXPERIAN permits the debt collector XXXX XXXX XXXX to report derogatory medical collections bills on complainants credit reports. The complainant is presently applying for a mortgage loan modification in which may be adversely affected because of these inaccurate reportings since at the end of the day the Affordable Care Act contained a mandatory health insurance requirement that compels healthcare providers to provide adequate information about enrolling in a health insurance plan such as XXXX in order to give the physician informed consent.

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 2020-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
This company keeps calling and calling and hanging up. At least 5-6 times a week. I called back TWICE and told them I wanted information on their business and just exactly what they are trying to " Collect ''. They became very rude, one woman hung up. I told her I want verification of any debt, including the creditor that is trying to collect sent to me via US Mail. They have refused for the past two plus months. I asked them to stop calling, but they have ignored me, This is becoming harassment. They are in violation of the FDCPA law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I chose to close out my savings account with Capital One, on or about XX/XX/XXXX. As of XX/XX/XXXX, Capital One has not sent the required 1099INT forms as required by law, which must be mailed and/or available by XX/XX/XXXX.. When i called, the representative knew this was an issue, but stated it will be mailed shortly and to give it another 10 business days. 

When i began asking about why it was not mailed, or why i can not access it online, he became rude and hung up the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On the evening of XX/XX/2020, my purse ( including wallet, checks, driver 's license, credit/debit cards, SSN card ) was stolen from the trunk of my locked car by way of smashing the front passenger window and subsequently unlocking the trunk from inside. I immediately filed a police report, cancelled all cards, confirmed my cards stolen with my bank 's fraud department, froze my accounts with all credit reporting agencies, and issued stop payments on all the checks contained in the checkbook. On XX/XX/2020, I applied for and received a temporary replacement driver 's license as well as attempted to close my primary DDA account with US Bank and open a new one as I was worried that because my account information was exposed on the checks, it could be tampered with. However, when I explained my situation, US Bank denied my request to close the original and open a new account on the grounds that I didn't have a valid photo ID ( the temporary one issued by the DMV did not include a photo ). A few days later, on XX/XX/2020, I was alerted that a fraudulent counter withdrawal in the amount of {$6300.00}, unauthorized by me, was issued at a US Bank branch to the offenders the day before, on XX/XX/2020. The offenders fraudulently impersonated me with my stolen driver 's license and forged my signature on the withdrawal slip. I immediately contacted the Fraud Department at US Bank on XX/XX/2020 who only then proceeded to close the compromised account and transfer the balance to a new account. On XX/XX/2020, I completed and filed Fraud Documents sent by US Bank 's Fraud Department to dispute the fraudulent transaction as well as initiate an investigation with the confirmation that the funds would be reimbursed and I would not be held liable in any way. I followed up on the progress of my claim on XX/XX/2020 and was told it would be another 2 weeks until the final review was complete and to check around XX/XX/2020. I followed up again on XX/XX/2020 and was informed that my claim was denied on the grounds that the trunk of my locked car was not a secure enough location. This is inaction by US Bank is unacceptable. There was very clearly gross negligence and inconsistencies on US Banks part to protect my funds. This fraud was enabled solely by the lack of attention of US Bank as all the parameters to reject any and every transaction subsequent to XX/XX/2020 were in place.

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 monetary relief
Consumer complaint received 2020-02-18 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: VA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 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. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: FL

Complaint narrative:
I believe someone used my personal info to get credit cards. I noticed there was accounts on my credit which I do not recognize such as XXXX, XXXX, XXXX XXXX, and XXXX  XXXX XXXX and XXXX XXXX. I think I am a victim of identity theft and these accounts are fraud. Help remove with credit bureaus.

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 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have no idea or aware of this card and how or why it was opened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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 believe someone used my personal info to get credit cards. I noticed there was accounts on my credit which I do not recognize such as XXXX, XXXX, XXXX XXXX, and XXXX  XXXX XXXX and XXXX XXXX. I think I am a victim of identity theft and these accounts are fraud. Help remove with credit bureaus.

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 2020-02-18 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 believe someone used my personal info to get credit cards. I noticed there was accounts on my credit which I do not recognize such as XXXX, XXXX, XXXX XXXX, and XXXX  XXXX XXXX and XXXX XXXX. I think I am a victim of identity theft and these accounts are fraud. Help remove with credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my 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 2020-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, one of our promotions with Best Buy ( citi bank ) was expired. We call on Sunday, XX/XX/XXXX and the lady we speak to said we were giving until Tuesday XX/XX/XXXX to pay an amount of XXXX, and that they would take away the interest. So thats what we did, we call the XX/XX/XXXX but that day they were not validating there word. And the manager was giving false information saying he had a call on Saturday the XX/XX/XXXX. Also he said that they had giving us that exact day to pay and if they check there call they never said that. They had giving us until the XX/XX/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 2020-02-18 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: NJ

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
i can't open a bank account or cash checks

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