vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
On XXXX the XXXX XXXX I switch services from XXXX XXXX to XXXX I called XXXX XXXX to let them know to cancel my services the lady on the phone stated that she ca n't cancel she can only suspend the account because they show that XXXX is trying to transfer my number to my XXXX phone. I told her that that should not show because I am keeping the phone number assigned from XXXX. I ask her since she could n't cancel only suspend the account will I continue to get charged. She answered no. So I said ok waiting for my final bill. Since then I receive three different bills from XXXX XXXX with different amounts. One dated XXXX XXXX XXXX for XXXX. Then I got a collection letter from convergent dated XXXX which I did n't receive until XXXX XXXX XXXX showing a balance of XXXX. Then I received another bill from XXXX claiming i now owe XXXX. My account should have been cancelled when i called and told them i switched to XXXX that was in the beginning of XXXX. So why ido i have all of these different amounts. This account is in dispute until XXXX  can explain why i was still getting charged for services that u should have canceled immediately when i called.

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 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I attached the correspondence I had with two car dealers, and XXXX. XXXX approved my loan for some {$12000.00} but when I refused to purchase a vehicle of their choosing, or dealer selection, XXXX of XXXX XXXX had my approval canceled. I argue the credit agencies refuse to post all of my loans, and instead post one negative item on my credit report. I believe this is a violation of The Fair Credit Act, Equal Opportunity in lending, and request you correct their violation of my civil rights. I believe XXXX XXXX XXXX. their internet department specifically XXXX Internet sales attempted to exploit me, and violated my civil right. I am requesting a Full Investigation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diverse Financial Enterprises
State: NY

Complaint narrative:
XXXX : Calls asking for an unknown called on my mobile. 
He does not exists at this number. They refuse to stop calling. 

Their number is XXXX. 
They ask for a person stating that it is a person business matter. Refuse to identify themselves and then finally after I angrily inquire why they keep calling me, they tell me where they are calling from.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Since XXXX XXXX XXXX, I have been getting the error message : " Sorry, account temporarily XXXX. Please contact support. '' when logging in from my authorized device. My Case ID is # XXXX I have XXXX factor authentication enabled, so am not sure why this happened in the first place. 

I have had no issues with verification and have previously made XXXX purchases on my account. I messaged support via their website on XXXX XXXX XXXX and only received a holding response thanking me for my query, so I called up their support number on XXXX XXXX XXXX, got through after XXXX mins waiting. I was told that I had to " reset my password '' and that my issue had been " escalated to a XXXX ''. They sent me an email confirming this. I successfully reset my password but still have been unable to access my own account. 

Once again, I called support on XXXX XXXX XXXX, got through after an hour, but no support offered beyond reiterating the previous message that my issue had been escalated and I was asked to " be patient ''. No timeframe was given as to when my seemingly straightforward issue would be resolved. 

It 's been over a week now of having a significant amount of money tied up in my account which I can not even access. I am not sure when this will be resolved, will they grant me access to my account in a few weeks / months / years? 

This company seems willing to accept deposits, but does n't allow customers to even access their accounts - this raises questions as to their legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Great American Finance Co
State: IN

Complaint narrative:
On XX/XX/XXXX, I received notification from my Mortgage Company and received a copy of my XXXX Credit Report, which determined that XXXX XXXX XXXX XXXX placed their credit transaction of {$1500.00} back on my credit report as of XX/XX/XXXX. 

This debt was discharged in my Chapter XXXX bankruptcy in XX/XX/XXXX and should not be reporting on my credit report. I have talked with the creditor who advises that this should not be on my report, but it somehow reporting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In the process of obtaining an adult guardianship for my mother. My mother is being financially manipulated by a fake priest. Signed legal documents were served upon Chase Bank instructing them to freeze a specific checking account/annuity accounts that are jointly named XXXX XXXX XXXX. Rather, Chase Bank went and froze every account under the name of my mother. This problem has been lasting over a week and my mother has general routine bills that she has to pay. I have been paying legal fees of {$470.00} hour in an attempt to have XXXX fix the mistake in which they made. The last contact was that XXXX at a local Chase Bank forwarded the relevant documents from the court to the legal department on XX/XX/XXXX, 2017, to unfreeze the accounts that Chase mistakenly froze. 

I am jointly listed on the primary checking account ending in XXXX and the related accounts as per Chase Bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VALLEY CREDIT SERVICES, INC. (WI)
State: VA

Complaint narrative:
On XXXX XXXX, XXXX, I received a letter from XXXX XXXX claiming I owed a debt in the amount of {$3000.00}. On XXXX XXXX I sent a certified letter acknowledging the letter but disputing the validity. Using the USPS tracking system for certified letters, the letter I sent has been repeatedly delayed due to bad address. An attempt to deliver the letter was conducted on three occasions. When I contacted XXXX XXXX over the phone the mailing address is in XXXX, MD. Furthermore, no followup letter, phone call, or additional notification was sent stating that this change in address had occurred. My complaint is that this business is expecting me to dispute the validity of debt within a thirty day window but knew any returning mail would and could not be collected by there office. Furthermore, there was no forwarding information to the address provided when you contact XXXX XXXX by phone. This company is using practices not conducive to good business and furthermore does not practice due diligence when trying to receive debt disputes, which leaves people vulnerable to having inaccurate and false information placed on their credit report. As a victim of identity theft, I take the validity process seriously and XXXX is allowed to continue their misleading practices others will be affected as well. 

Please see below for certified mail details Tracking Number : XXXX XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX The package is delayed and will not be delivered by the expected delivery date. An updated delivery date will be provided when available. The item is currently in transit to the destination as of XXXX XXXX, XXXX at XXXX XXXX. It is on its way to XXXX, VA XXXX. 
XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX XXXX XXXX, XXXX, XXXX XXXX Departed USPS Regional Destination Facility XXXX VA DISTRIBUTION CENTER XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX XXXX XXXX, XXXX, XXXX XXXX Arrived at USPS Regional Destination Facility XXXX VA DISTRIBUTION CENTER XXXX XXXX, XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, VA XXXX XXXX XXXX, XXXX, XXXX XXXX Departed USPS Regional Facility XXXX AZ DISTRIBUTION CENTER XXXX XXXX, XXXX, XXXX XXXX Arrived at USPS Regional Origin Facility XXXX AZ DISTRIBUTION CENTER XXXX XXXX, XXXX, XXXX XXXX  Accepted at USPS Regional Origin Facility XXXX AZ DISTRIBUTION CENTER XXXX XXXX, XXXX Pre-Shipment Info Sent to USPS, USPS Awaiting Item

Company response to consumer: Untimely response
Consumer complaint received 2017-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have banked with Bank of America for several years. Several months ago someone broke into my apartment and stole several identity documents and cards. I filed a police report. After the theft I noticed several unauthorized ACH debits from my Bank of America checking account. I notified Bank of America of the unauthorized ACH debits. This happened XXXX times. After noticing that my debit card was missing I went into a Bank of America branch and requested a new debit card and told the banker that my card had been lost/stolen. The banker did not close my old card and charges continued on that card. When I noticed the charges I called Bank of America and told them and demanded they close the old card and disputed the charges. A few days later my account was frozen by the XXXX XXXX an access to my accounts was restricted. During the holiday season when I need access to my money the most I have been locked out and can not access my funds due to no error of my own. My accounts were all in good standing all with positive balances. I had a Bank of America credit card that I never missed a payment on. Basically someone robbed me, stole my identity, I follow the advice of the Bank and reported it to the police and put a fraud alert on my credit profile and the Bank decided to punish me for it. Police report info : XXXX Police Department. Report 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 2017-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
XXXX XXXX recently raised my interest rate from 7.25 % to 7.5 % without notice, explanation, or legal authority. Please investigate this illegal conduct. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX opened a collections effort against me for XXXX XXXX  XXXX XXXX. It appears to be dated XX/XX/XXXX, 2017.  XXXX XXXX XXXX XXXX charged me for services provided by laboratories that were not in the network for my XXXX XXXX XXXX XXXX coverage without my knowledge or approval. Each time when I checked out of the office, I was told that no payment was due. 
When I attempted to discuss the account with XXXX XXXX  XXXX XXXX on several occasions, they would not address the issue in detail and never returned phone calls in regard to the matter. It appears that they have done this several times and have not attempted to resolve the issue when I contacted them to discuss the matter. These are unauthorized charges as they are associated with annual physicals that are fully covered under my insurance plan. This appears to be a repeating pattern for this medical group and should be investigated by the Georgia licensing board as an unfair practice. If this negative impact matter is not promptly removed from my credit report, I will file formal complaints with the governing medical licensing group and with my insurer in an attempt to have the practice removed from in-network status with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: KY

Complaint narrative:
I submitted a dispute on XXXX/XXXX/XXXX in regards to some inquires on my report that I did not initiate. The same day Equifax sent me a response saying that the inquires were all valid. I had at least 10 Inquires that I disputed and I know that in one day they did not verify them all. I also have never signed anything or gave consent on any of these inquires and there is a fraud alert placed on my account due to someone trying to get credit in my name fraudulently. I am upset because Equifax did not investigate these items and there is no way they verified them all accurately in one day. I feel that they just tried to feed me some XXXX, thinking that i would just accept it. I mean they did not even wait the 30 day period they normally take to investigate. They just sent me my dispute back the same day saying it was verified which i know for a fact is wrong because i have not signed or authorized anything with these companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a letter to XXXX, XXXX, and Trans Union ; asking them to correct errors on my credit report. XXXX and XXXX  responded with the corrections, but Trans Union has not yet responded. They are supposed to respond within 30 days.

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 2017-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
On XXXX XXXX, XXXX a major flood occurred in Louisiana involving my home. I got behind on my Mortgage, but was able to get caught up by XXXX of XXXX through a repayment plan. After hurricane Harvey in Texas, business slowed and I got behind on payments again. I asked again for a repayment plan, but I could not afford such large payments with the additional late fees imposed. I sent a full payment for XXXX XXXX on XXXX XXXX through XXXX XXXX, but the payment was declined by the Mortgage company. I received the notice on XXXX XXXX of the payment being declined, so I contacted the mortgage company. The representative on the phone kept insisting that I was 4 months behind and refused to work out anything except a deed-in-lieu or a cash sale. A letter sent in XXXX of XXXX states they would accept partial payments by placing the monies in a pending account until there was an entire payment accumulated, yet they would not accept a full payment for XXXX on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
the following unauthorized inquiry need to be removed : Made by : CAPITAL ONE AUTO FINANCE Made on : XX/XX/2017 To my knowledge, I have not signed any documents authorizing this organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Service Center, Inc.
State: PA

Complaint narrative:
The XXXX XXXX XXXX XXXX sent my bill to a collection agency while the bill was still in dispute. The XXXX billing office sent me a bill charging me for services, which was more than twice the amount I owed ( the amount based on the contracted rate from my insurance provider is much lower ). They have sent me this bill 3 times and then sent it to collections, even though I have informed them that I should get a contracted rate for these services, based on information from my health insurance provider XXXX. I am in discussions with my insurance provider to have the bill reprocessed and I have called the XXXX XXXX XXXXXXXX XXXX billing office twice so far disputing the bill and informing them that the bill is being reprocessed to reflect the contracted rate from my insurance provider. They ignored this piece of information and went ahead and sent it to a collection agency anyway instead of waiting for the reprocessed bill for the lower amount from my insurance provider. Moreover my insurance provider has since paid a portion of this bill to the XXXX XXXX XXXXXXXX XXXX as the attached claim details ( from XXXX ) show. 

At least 3 bills were sent to me from the City of XXXX XXXX, the latest one being from their collections department on XXXX XXXX. I have called and explained to them that the bill is being reprocessed and I need to wait before I can get the reprocessed to pay the exact amount I owe - my last call was on XXXX/XXXX/XXXX. 

My insurance provider has since paid a portion of the bill, so it also needs to be adjusted to reflect the amount already paid. 

In addition to this causing me unnecessary stress and anxiety over the financial matter, it could potentially affect my credit history at a very sensitive time for me when I am trying to buy a home and my credit standing is extremely important.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: KY

Complaint narrative:
On XXXX XXXX, XXXX I sent Convergent Outsourcing INC,  a letter requesting validation and to cease and desist from collecting until they prove the debt belongs to me. I asked them for the contract with the original terms and conditions. They have yet to send me all four items that i request on XXXX XXXX, XXXX. You can not collect until you validate the debt and that 's what convergent outsourcing is doing.

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 2017-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I closed on my loan on XXXX XXXX, XXXX, and I have been trying to resolve this with the servicing company for over 3yrs. This loan is considered Predatory based on the several things, one is my property taxes, that was put on my HUD 1 as {$100.00} a month for 6 months totals {$600.00} in XXXX, then the next year XXXX went to {$4700.00}, which raised my payments from {$1300.00} to over {$2100.00} the next year. The mortgage broker did not give me a proper estimate of my taxes, now putting me in an predatory situation, my broker did not seem to have my best interest in mind, by not giving me an option of taking an higher payment or walking away from the deal due to such a high payment increase, my broker did not advised me properly, because there were several other homes in the community that was exactly the same model as my home that was built and sold before my home was even built, the broker is responsible for giving me an estimate of what I should be expecting for my taxes, I had no idea that my taxes would increase over {$4100.00} the next year. 

My Private mortgage insurance was not calculated properly, I was charged too much a month, I was given quotes by three different loan officers and the cost was very different, was well below what I was given. 

Before falling behind on my mortgage my mortgage service did not do a face to face interview which is required.

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 2017-12-18 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 — Card was charged for something you did not purchase with the card
Company: GREAT WESTERN BANCORP, INC.
State: IA

Complaint narrative:
I have a health savings card through my employer. I had ordered some vitamins online, two products, and have the receipts for {$4.00} each. My health savings card was charged 4 times, 2 at {$69.00} and 2 at {$79.00}. I went to the bank that my employer uses for our XXXX account, filed a dispute, and they denied it. They did not ask any questions, just went by what the people who charged my card without authorization from me told them. I do not see how this should be allowed and not be taken care of by the people who I put my trust into, our bank. Our bank is Great Western Bank, and I talked with their acting manager, XXXX, at XXXX. I am furious over this. {$300.00} stolen from me and they will do nothing

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