vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX put the wrong date on a bill. If they put the right date insurance would cover it but they wouldnt fix it. Years later I tried to dispute it through equifax. They took less then 3 days to investigate it and decided it was correct. When I called to get details they refused to give it to me over the phone and refused to give me copies in the mail. I asked what they investigated and they said they made sure it was my account. Once I talked to a supervisor they said they had not checked they dates just to make sure it was mine. I asked them to read off the details of my dispute and it clearly stated the dispute was about the date. I then asked for a copy of what XXXX XXXX sent them and I was denied. They refused to reopen the investigation and refused to open another dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
I was contacted by both my Mother and my wife today stating that they received calls from a company named XXXX about an alleged debt. Not sure how this company gained access to my mothers home number or my wifes unregistered work number. 

My wife forwarded me the info and I contacted a person and inquired about the alleged debt. They shared with me that there had been numerous attempts to collect a debt tied to a credit card company named XXXX. Told them that I hadnt received such info and asked if was sent certified mail. Their response was it was sent general mail. Told them I hadnt received anything. 

Contact told me that this info was on my credit report, which it is not, and that I went delinquent on this account in XXXX They say I was offered a settlement, which I was never contacted, and that I owe them {$2000.00}. Asked if I wanted to work out a plan. I told them that I dont recognize a credit card with XXXX, that I was never delinquent on any debt over the last 7 years, and that they should proceed with next step actions that they spoke of at the start of the call. 

My assumption is that they are trying to collect on something outside the statute of limitations. I have no records if this debt but my records only go back 10 years. 

I want to make sure that this company knows that my record keeping us impeccable and that I assume they will be willing to share all of their documents during discovery if they choose to go through the courts. 

I also want this company to know they have my cell number and that they should not be harassing my elderly mother or my wife at her place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I only get form letters asking for payment. They will not correct their mistake or send me proof in writing. I had XXXX  service for two years, XXXX. In XXXX I returned what equipment I had and paid the final bill sent to my new address. I never heard anything more from XXXX over the next 6 years. Then on XXXX of XXXX a form type letter, from Convergent a collection agency on behalf of XXXX communications, was mailed to my same new address. I called XXXX right away to correct this mistake and was told they no longer had my file. My file had been turned over to the collection agency. XXXX had never contacted me first. I called Convergent, the collection agency, and could never get good information about what the notice was for. It took me several phone calls and numerous agents to figure out I was being billed for equipment issued in XXXX, about 8 years before I purchased the property with XXXX service. I eventually learned from convergent that equipment was issued from XXXX. I sent Convergent closing statements showing I could not have been issued this equipment in XXXX having opened my XXXX account in XXXX. My previous address in XXXX was not even in a XXXX  service area. I asked that all information they had about the equipment be sent to me in writing, which I have never received. I have also asked numerous times to speak with someone that can correct the XXXX mistake and no one that could help has ever been put on the phone or called me back. I was told to send Convergent any information I have and it will be forwarded to a dispute dept. I have sent information and have contacted them numerous times with no results. I contacted them in a timely manor and sent them what I have but I am getting no where. It is only {$120.00} but I do not owe it and refuse to pay for their error. I will not be coerced by this collection agency that seems unwilling to contact XXXX and get this straightened out. All I ever get are form letters asking me to pay. My perfect credit history of 48 years has been hurt by this company. It is not right. I am a senior and feel preyed upon by this collection company, with their form letters and unwillingness to help correct the mistake.. I am very stressed and XXXX because they have lowered my credit score, will not correct the mistake and just keep sending form type letters asking me to pay it. It is not right that they can make a false claim and there be nothing I can do about it. They leave me with only two options, to pay this fraudulent claim or it sits in my credit history for 6 years and I pay higher interest rates. One way or the other I loose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX XXXX I am currently trying to dispute transactions that were not made be me With Bank of America for XXXX that was stolen off my card I am looking to make a police report and get that information I need to make these disputes so I can Recieve my funds back I have been trying to open them back up over and over I was requested to report to start another investigaton I took {$600.00} off my card the rest was stolen I stayed on the phone with an operator while I got the {$600.00} off I was to revive another card Im the mail cause the funds were deposited on an old card With the Remainding Balance cars card the next following week the XXXX was gone off it and didnt spend not a dime of it XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX my contact information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My business closed in 2017. XXXX Bank and I were negotiating payments, the amounts were charged off. Three years later XXXX Bank still files a late payment each month which is killing my credit score. I am not late on any account I have and I pay my bills on time. XXXX is preventing me from getting credit. Because it was charged off when you call they don't see the account and tell me they can't help. Frustrated!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The information reporting seems to me that it is inaccurate, therefore I believe that this information is reporting illegally and is not compliant. I would like to have this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent several letters to Transunion Llc requesting an investigation on the items being reported by their company. First letter was sent and received by them XX/XX/XXXX, Second letter XX/XX/XXXX received by them XX/XX/XXXX. Third letter sent and received XX/XX/XXXX in which at this time I gave them 15 days to respond to this inaccurate investigation per my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Instead they just once again sent me my credit report with the erroneous fraudulent items and no methods used on investigation. Therefore ignoring my request and violating my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX- XXXX XXXX XXXX IS ERRONEOUSLY REPORTING LATE PAYMENTS AND PAST DUE BALANCE ON MY CREDIT REPORT FOR THE LOAN THAT WAS PAID OFF AND TRANSFERRED TO ANOTHER SERVICER BY THEM BACK IN XXXX OF 2020 ... .I always made my payments on time, see attached proof of payments made in XX/XX/XXXX checks even and XXXX when they stated they transferred my mortgage to the new servicer whom I also paid in XXXX. HOWEVER, XXXX XXXX  FAILED to post my payments correctly on my credit report even though they deducted them from my account, and they failed to post the balance to {$0.00} even though they received full payment from the new servicer of the mortgage note .... this has been damaging to my credit for 8 months now ... My numerous attempts to resolve this issue with the Morgage company went ignored only causing them " confirm the accuracy of this account '' to the credit bureaus that went on to lower my credit rating further with each bureau .... 
this is unacceptable and my consumer rights have been violated greatly ... 
https : //www.consumerfinance.gov/rules-policy/regulations/1024/33/ # a

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX- XXXX XXXX XXXX IS ERRONEOUSLY REPORTING LATE PAYMENTS AND PAST DUE BALANCE ON MY CREDIT REPORT FOR THE LOAN THAT WAS PAID OFF AND TRANSFERRED TO ANOTHER SERVICER BY THEM BACK IN XX/XX/2020 ... .I always made my payments on time, see attached proof of payments made in XX/XX/XXXX checks even and XXXX when they stated they transferred my mortgage to the new servicer whom I also paid in XXXX. HOWEVER, XX/XX/XXXX FAILED to post my payments correctly on my credit report even though they deducted them from my account, and they failed to post the balance to {$0.00} even though they received full payment from the new servicer of the mortgage note .... this has been damaging to my credit for 8 months now ... My numerous attempts to resolve this issue with the XXXX company went ignored only causing them " confirm the accuracy of this account '' to the credit bureaus that went on to lower my credit rating further with each bureau .... 
this is unacceptable and my consumer rights have been violated greatly ... 
https : //www.consumerfinance.gov/rules-policy/regulations/1024/33/ # a

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX- XXXX XXXX XXXX IS ERRONEOUSLY REPORTING LATE PAYMENTS AND PAST DUE BALANCE ON MY CREDIT REPORT FOR THE LOAN THAT WAS PAID OFF AND TRANSFERRED TO ANOTHER SERVICER BY THEM BACK IN XX/XX/2020 ... .I always made my payments on time, see attached proof of payments made in XX/XX/XXXX checks even and XXXX when they stated they transferred my mortgage to the new servicer whom I also paid in XXXX. HOWEVER, XX/XX/XXXX FAILED to post my payments correctly on my credit report even though they deducted them from my account, and they failed to post the balance to {$0.00} even though they received full payment from the new servicer of the mortgage note .... this has been damaging to my credit for 8 months now ... My numerous attempts to resolve this issue with the Morgage company went ignored only causing them " confirm the accuracy of this account '' to the credit bureaus that went on to lower my credit rating further with each bureau .... 
this is unacceptable and my consumer rights have been violated greatly ... 
https : //www.consumerfinance.gov/rules-policy/regulations/1024/33/ # a

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I recently reviewed a copy of my credit report from XXXX, XXXX and XXXX and noticed that I was reported as being late on this account which has caused severe damage to my credit score. After doing some research and coming across the Fair Credit Reporting Act, I see that I am allowed to dispute any and all late payment history being reported if I feel it is inaccurate or incorrect. 

I was affected by XXXX. Per the amendment of the FCRA with the CARES Act passed by Congress in XX/XX/2020, any late payments need to be removed from my credit report and updated as paid on time with zero lates that were reported since XX/XX/2020. 

I already disputed this with the credit bureaus directly and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. 

Therefore, I would ask that you please conduct a reasonable investigation on the inaccurate negative information being reported on my credit for any errors or mistakes on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
CHASE SENT ME A CHECK FOR {$35.00} WHICH I DEPOSITED WITH MY BANK ON XX/XX/2021 AND ON XX/XX/2021 THE BANK TOOK THE MONEY BACK AND CHARGED ME {$15.00}!!!! APPARENTLY CHASE SENT ME A BOGUS CHECK OR STOPPED PAYMENT WITHOUT TELLING ME BUT I WANT ALL MY MONEY BACK INCLUDING THE {$15.00} I WAS CHARGED FOR THEIR BOGUS CHECK!!!!! THIS IS COMPLETELY UNACCEPTABLE!!!! NO WONDER I STOPPED USING THEIR CREDIT CARD, CUSTOMER SERVICE XXXX!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC
State: FL

Complaint narrative:
I don't owe this company any money. It's a law firm called Maury Cobb and they just keep robocalling me nonstop. I don't have any debt to be collected with them and all the robocalls are ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They keep calling me while I am at work, in the mornings and evenings and also on the weekends from different numbers and I have asked them politely to stop. I keep telling them to stop calling me and they will not stop. This company has so many phone numbers that the only way to block them is to never answer the phone. They disturb my work time and I have had them call while I am in meetings and it is affecting my job. 
They just called me again from XXXX at XXXX XXXX today XX/XX/2021 I have literally blocked over 40 numbers from them and I would guess they have called me over 100 times. This is madness. 
They have been told numerous times on their so called recorded line to stop calling me. 
Portfolio recovery is the worst and they dont seem to care about the law because I guess they think they are above it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX, snd XXXX XXXX XXXX. Also please remove the following incorrect addresses : XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX, XXXX, PA XXXX and XXXX XXXX XXXX, XXXX, PA XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Dear CFPB Representative, On XX/XX/2021 XXXX XXXX ET We applied for SunTrust XXXX XXXX Rewards ( App ID : XXXX ) and on XX/XX/2021 received a letter from Suntrust that application was approved for lesser amount and to call and make arrangements for balance tranfer update. 
On XX/XX/2021 I called Suntrust credot card underwriting department and gave them new instructions for balance transfer amount based on lesser approved amount. I was told by representative that new amounts will be processed and balance transfers will go through. 
Since then, I spoke couple times with Suntrust credit card representatives about this matter and was told that they would investigate my balance transfer request. 
On XX/XX/XXXX I received email from Suntrust representative that she couldn't confirm my balance transfer and I immediately called Underwriting department and was told that they have provided Credit Card department the request for balance transfer. 
on XX/XX/2021 I spoke with supervisor of credit card department and was told that she filed the case for research # XXXX She also told me that there is 13 calendar days requirement in Terms and Conditions for balance transfer to go through which I was not able to see in Terms and conditions and would like that Suntrust provides me it in writing. Due to delays I may get late fees on the accounts that should receive funds and also I would like a compensation from Suntrust for all the valuable time I took from my business to follow this case which is mishandling customers credit card account balance trader request. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is committing fraudulent activities. 
I have paid my credit card with them over more than 2 years ago. 
Capital One is selling paid off account to collection companies to make money. 
People must be aware of the criminal act of Capital One. 
I will post this on every social medial and consumers

Company response to consumer: Closed with explanation