vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IA

Complaint narrative:
XXXX of XXXX I had XXXX net work installed. I was told XXXX XXXX would install my internet. When XXXX XXXX came to install it, they said I needed to have phone line installed and to call them. He gave his business card so I could call him/ So I did. Then XXXX XXXX was charging me for the installment. Calls to XXXX XXXX and XXXX XXXX billing manager ( 3 way calls ) did not solve the issue. 
Then XXXX XXXX turned the bill over to Convergent, a  collection agency. I answered their letter but it was rejected for not enough information and sent to the credit bureaus. 
The bill started as {$260.00} and now is {$370.00}. 
I have talked to XXXX XXXX billing, a XXXX ID # XXXX. This is the following information XXXX gave to me. Disconnect order # XXXX, XXXX XXXX, XXXX 
my acct # with XXXX XXXX is XXXX. 
I need this item corrected on my credit bureau reports. All 3 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 2017-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This debt is paid in full collection agency stayed the send the updated to all three bureus on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: TX

Complaint narrative:
XXXX XXXX, XXXX, I obtained credit report from Equifax and submitted a dispute for investigation. 
Equifax report confirmation number XXXX Dispute Confirmation # : XXXX Expected completion date : XXXX/XXXX/XXXX ( Estimated ) XXXX XXXX through XXXX, after the 30 days allowed by law had passed, I was unable to obtain the results of the dispute investigation online or over the phone due to nonworking online/automated systems of Equifax. Additionally, no response was delivered by mail. 

Equifax failed to respond within 30 days and continues to violate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: KY

Complaint narrative:
There is a hard inquiry from XXXX XXXX made on XXXX XXXX, XXXX. I did n't authorize this inquiry. I do n't have or have never been interested in XXXX XXXX. It appears on my Equifax credit report. XXXX XXXX has no automated option to speak to someone about credit inquiries. Selecting any of the other options will not get me to anyone who can help. All calls to Equifax have been met with " your call can not be completed at this time. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25 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: Lendmark Financial Services
State: DC

Complaint narrative:
LENDMARK FINANCIAL SERVICES IS TRYING TO COLLECT ON A DEBT THAT DOES NOT BELONG TO ME. I SENT 3 LETTERS TO THEM REQUESTING FOR VERFICATION AND VALIDATION AND AS OF TODAY THEY HAVE NOT VALIDATED THE DEBT. THE DEBT IS NOT MIND AND DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This amoun was paid in full

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 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I 'm having issue with ocwen loan servicing, my name is XXXX XXXX loan number is. XXXX. 
For some reason payment did n't go through for the month of XX/XX/2017 even thought payments are Being automatically deduct from my account every month, now I 'm trying to find out why This happened and I ca n't even access my account anymore, and it tells me to call XXXX XXXX, which I keep calling and leaving messages because person not answering and at this point every day that goes by I will be one more day behind on payment. 
Keep calling customer services as well and they say they can not do anything till I speak with this person XXXX XXXX.his phone number is 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 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
We filed a CFPB complaint against HFC for valuation fraud and they responded by telling me that i didnt send the complaint to the right lender. This is just another attempt by HFC to defraud their clients. I want this STOPPED. It is obvious that i sent both CFPB complaints to the same lender -- SEE ATTACHED COMPLAINTS FILED XX/XX/XXXX AND XX/XX/XXXX WITH LENDER INFO CIRCLED IN RED. They responded to the 1st complaint by stating that they do not have to follow CFPB guidelines. They responded to the 2nd complaint by stating i didnt send the complaint to the  right company. Both of these are examples of misdirection and fraud. It is obvious HFC has no desire to adhere to any kind of moral guidelines, much less following the laws set forth to protect the consumer. I have attached both of the previous CFPB complaints here. It is obvious they were both sent to the same company - HFC. Why is HFC allowed to continue this FRAUD??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In XXXX day I typically receive about XXXX phone calls during work hours from a " No caller ID '' number. In the past I have answered while on break from work and learned that it was from Comenity Bank. I have agreed to make payment on the late accounts on XXXX XXXX when my next check clears and they are still continuing to call me at the rate of XXXX calls per day from the same " No Caller ID '' number. I have asked them to remove my phone number from the account and yet I still receive calls. I have not disputed the debt and have told at least XXXX people what my personal situation is. After having been a credit consumer of each account for at least 2 years and this is the first time I have ever been late, the harassment of several phone calls a day with no call back number sincerely has me thinking lawsuit. Especially since I now work for an XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Obtained Transunion Credit Report. Noted incorrect address, phone numbers that were no longer in use by me, and incorrect birth date. Also questioned XXXX bank credit card I dd n't recognize. XXXX XXXX called me and told me name of card they had issued so I assume call was initiated by Transunion. The information was correct. Incorrect address and phone numbers were removed from report BUT they still have my incorrect date of birth. I sent them by certified mail a copy of my birth certificate and my driver 's license and they still have inorrect birth year of XXXX. My birthdate is XXXX XXXX, XXXX. 
Please have them correct my birth date on their report. 
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 2017-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
On XXXX, XXXX a XXXX XXXX account was opened in my name and it was not me. In opening this account their was a debt for over {$3000.00} that is on my credit and went into collection and it was not me thayvwent a started service with XXXX to have owed them any money. The account was open XXXX, XXXX and closed on XXXX. It was open for less then 1 year and it was not myself that had opened the account to begin with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
To whom it may concern, I have been dealing with an issue with Community Choice Financial , Inc ( CCFI ) for almost two years now. The issues and time lines have been addressed previously in CFPB complaint number XXXX. At the conclusion of the complaint, CCFI responded to the complaint asking for me to reach out to a XXXX.XXXX at XXXX x XXXX. I have reached out to XXXX XXXX several times and left messages with no repsonse. Additionally, I have attempted to reach XXXX XXXX by speaking with employees at CCFI asking if they could transfer me to him. Every time I have talked with someone at CCFI, they do not transfer me, they terminate the call resulting in my need to call back repeatedly. I have done this continuously and received the same result, " Hang Up! '' Not only does this make it extremely difficult to resolve the account, it is extremely frustrating and makes me anxious. 

Also in the Company response from CFPB complaint number XXXX, XXXX said they had successfully recalled the collection accounts from XXXX, XXXX XXXX XXXX so the account could be handled internally. Instead of communicating with me like they suggested ; they wo n't return calls, hang up on me repeatedly and then turn around and reassigned my account back out with another collection company XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 

I see all of their practices in this matter to be harassing and misleading. During this time I have not been able to speak with someone my account has over doubled. There is no interest from CCFI to resolve the matter because they had been charging a usury interest rate that I will not be able to ever resolve. I have paid back nearly twice as much as I borrowed when this whole matter started. 

In the interest of resolving this matter, I request this matter be closed and the account be satisfied. CCFI is a large company that has deep pockets to oppress and corner me. It makes me sick and anxious to think about this matter. I have more than paid back the monies and then some, but they will not take my calls, so the balance can quadruple. I request the response from CCFI be a resolution to this matter, not a request for a call. 

Respectfully, 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 2017-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was informed by my credit card company on XXXX XXXX, 2017 that they have changed my credit card from a Credit Limit to a " Credit Access Line ''. Based on what my research indicates this will have a negative impact on my credit score. As a result of my research I reached out to my credit card company and informed them that I am declining this change. Within 24 hours Chase informed me that I had no say in this matter and that they would not be reverting my account to its original terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: GA

Complaint narrative:
I have contacted Transunion several times to inform them that this City of XXXX account do not belong to me. Transunion still have not removed this account from my credit file. Please assist me in getting this account removed from my credit file.

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 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PARKS TITLE COMPANY
State: MI

Complaint narrative:
Cfpb # XXXX XXXX From my complaint filedXX/XX/XXXXXXXX XXXX stated that yes we conducted the sale transaction at XXXX XXXX XXXX. In XXXX XXXX XXXX response you said previous claim was denied and turned over to the underwriter. 1. Who was the previous claim with and denied? 

Who is the underwriter? 

You said parks title did the title work, then show it. 

Why are both of our names at the top of the title which has forced me to update law enforcement XXXX and have served a 30 days notice to XXXX XXXX. 

Cc. 

XXXX police department XXXX county sheriff dept. 
Michigan state police mortgage fraud task force XXXX fbi Because I was not happy with the statements to me yesterday, I asked to speak to her supervisor XXXX XXXX, both I was unhappy and asked to speak to the supervisor above them. They would not give me the persons name, I left messages at each of their phone numbers today asking for the supervisors name above them. After some research I was able to locate the CA headquarters office. I called there today at XXXX I spoke to a gentlemen who asked me for the claim number, I gave him this claim number which was given to me XXXX. He immediately indicated that the claim number was one number short. I indicated to him that this was the claim number from XXXX XXXX. He said well give me the address, he located the property by address. He then indicated that the supervisor I needed to speak with, is XXXX XXXX. That he will be calling me back today. 

I received a phone call around XXXX XXXX from XXXX XXXX, following up on my complaints. He said was sorry for me and it was complicated situation. He listened to my story. He advised me to talk to XXXX XXXX, he indicated XXXX XXXX is above XXXX XXXX and XXXX XXXX gave me his number which is XXXX. I brought to his attention that I was told one number was missing from the claim number by his assistant claim number XXXX. He corrected me, he said the claim number is XXXX. I then told him this is exactly the claim number XXXX XXXX sent me by email. He then clarified with me that I was missing the 9 at the end. As he starting to give me XXXX XXXX number the phone call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Account Control Technology, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX XXXX XXXX University was notified that they were included in my Chapter XXXX Bankruptcy. They contacted me during this process which my lawyer advised them that they could not collect this debt. Once my BK was discharged in XX/XX/XXXX they continued to still contact me and I had sent them the list of creditors and copy of BK discharge, they sold the debt to a collection company and I supplied the old collection company with the same info and it seemed to stop. But on XX/XX/XXXX I  received a letter stating that I owed XXXX XXXX {$3500.00} to them and my debt has been placed with Account Control Technology , Inc . I dont know what else I can do to show them this debt was discharged and I do not owe it. As stated my attorney explained all this to them several times and has sent them letters. 

I have worked really hard to repair my credit and I do not want this to hit my credit report and lower my XXXX fico score. I am going to try to purchase a house next year and I am watching it closely.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is " stacking debits '' in order to maximize the overdraft/NSF fees they are charging me. For example, my XXXX XXXX XXXX bill was debited from my account causing my balance to be - {$33.00}. I immediately went to Wells Fargo within hours to deposit money into my account to cover the charge. After the deposit my account was positive again. Shortly afterwards I withdrew cash from the ATM knowing that I would be charged an overdraft fee. Once my account balance was negative again, the XXXX XXXX XXXX charge mysteriously disappeared for several days then was re-debited to my account and I was charged another NSF fee. When I called them out on it, they only offered ton refund part of it. I accused them of stacking debits and told them I would file a complaint with the CFPB. They refunded the fee then but now they have done the same thing again today with a XXXX purchase for {$10.00} on XXXX XXXX, XXXX ( TX toll tag ) on XXXX XXXX for {$20.00}, XXXX 's restaurant for {$35.00} on XXXX XXXX and XXXX XXXX for {$7.00} on 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 monetary relief
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Have been trying for a Mortgage modification through Wells Fargo for years ... most recently X/XX/17.  This time they denied us because we have too much equity in our home. Previously they denied us because we were " underwater '' - not enough equity. Wells Fargo has been rude and consistently unhelpful - we only stopped paying the mortgage because we were told by one of their reps that it would be the only way to get a call back. They dont deserve to be in business. I caution EVERYONE to boycot Wells Fargo.

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 2017-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Capital Management Services, LP
State: CA

Complaint narrative:
My loan has been sent to a second collection agency - I think. I have received a letter from Capital Management Services , LP stating they " have been engaged by XXXX XXXX XXXX XXXX to resolve your delinquent debt .... '' I have been making payments to another agency - XXXX XXXX XXXX XXXX XXXX XXXX - since XX/XX/XXXX 2015. 

I have written a letter to Capital Management Services , LP asking for an explanation. I am mailing this letter today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I called TransUnion to place a fraud alert on my credit and used their automated phone system. After answering their prompts to place the alert but before the alert process was complete the phone system offered a 30 day trial of TransUnion 's credit monitoring service at $ XXXX. This initial offer was short and required pressing 1 to accept or 2 to decline. Upon declining the phone system went into a long commercial for the service that begins with, " Are you sure you do n't want to protect your credit? ". This commercial lasted > than 30 seconds ... I hoped that pressing 2 would be the decline option and just pressed it before the commercial ended. 

This is an inappropriate use of the fraud alert protections and should be stopped immediately. The credit reporting agencies should not be able to intrusively market their own services to consumers who are forced to call them.

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 2017-09-25 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX Chase reported the account as Charged Off and reported to the account C/O on XX/XX/XXXX. 
XX/XX/XXXXChased sold the debit to XXXX XXXX XXXX that clearly sated in their letter to no longer communicate with Chase. 
Chase continued to report the account as C/O thru XX/XX/XXXX 
Chase no longer sent any form of communication. They never once confirmed or attempted to collect the debit because they had sold it off to the credit collectors.
Chase claims that they did not sell of my debit. This is false as they willing supplied information to the debit collectors.
Chase falsely reported to the credit reporting agencies that I still had a debit and that I was still in charge off status.
Chase at their own admission clams that they reported this debit but that there was no way for me to pay the debit and stop the charge off reporting. 
Chase continued to report to the credit agencies that their was a balance due even though they no longer held the debit. The debit was sold numerous times over the course of the next four years. 
I have contact and reported this to Chase numerous times with no logical resolve. 
This reporting has destroyed my credit and has preventing me from moving forward in life. My report to this day appears as if I charged off the account on XX/XX/XXXX when in fact the account was charged off on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief