vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Convergent Outsourcing INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Wa XXXX Has been sending me collection notices. The collection has been reported as ast due balance. I dont not know this company. This company does not have a contact with my signature. This debt is a 2018 debt i was incarcerated at this time ive tried to resolve this error with convergent outsourcing inc multiple times.

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 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Reading this pointless letter was a huge waste of my time. However, acting oblivious to the consumer laws does not make them go away. The laws are the laws, and they stand as such which I see you lack knowledge of. Unfortunately for you, Im just going to take this process to the next step and my rights will be enforced by a court. Also, unrebutted affidavits stand as truth, so maybe learn about the laws to avoid embarrassing yourself next time. Take care, talk soon. Cant wait!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP
State: MA

Complaint narrative:
I keep getting letters and phone calls from a law firm named Rausch strum trying to collect a debt for XXXX XXXX I have no idea what this debt is and they have not provided what the debt is also XXXX XXXX  is a debt collection agency i do not have any outstanding debt with any companies and want the phone calls and letters to stop

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 2021-09-08 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: MA

Complaint narrative:
Bank : XXXX  XXXX XXXX Credit Card Open Date : XX/XX/XXXX Status - Account charged off. {$10.00}, XXXX written off. {$10.00}, XXXX past due as of XX/XX/XXXX. 
Status updated - XXXX XXXX Balance - {$10000.00} Balance updated - XX/XX/XXXX Highest balance - {$10000.00} I spoke to XXXX  XXXX XXXX. They confirmed that there was no credit card under my social security number.

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 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: PR

Complaint narrative:
CBE Group has original creditor as XXXX XXXX XXXX began frequent calls from times like XXXX XXXX, XXXX XXXX  and XXXX. 

The debt is already being taken care of with XXXX XXXX XXXX  for automatic withdraws for the amount of {$20.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
On XXXX XX/XX/2021 I was looking around for rental property and found them on XXXX Was told to fill out an application which they sent me through email. I did fill it out and send it back. The application included my SSN as well as other information. They came back and said we were accepted for the property and that they were missionairies out of town in Ohio and that after I wired over the deposit of {$1000.00} that they would mail me the keys. I thought this was a bit fishy but ok I did so. Then today they sent me the lease to look over and sign. Everything looked on the up and up in the lease so I signed it and sent it back. At this point they asked for the first months rent and an HOA fee of {$1500.00}. This is when it really raised a flag because there was no mention of an HOA fee anywhere in the listing nor on the lease. I then checked out the same property on XXXX and saw that there was a property manager XXXXXXXX XXXX XXXXXXXX. I contacted them and gave them all of this information and they said that the property did not belong to this person and that it was a scam. I should also mention that the wire transfer through Zelle was to be sent to their " son '' a XXXX XXXX phone number ( XXXX ) XXXX. I only sent them the initial amount of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I previously submitted complaints regarding mortgage fraud, I received a response from your agency regarding XXXX XXXX XXXX XXXX You agency referenced these reports as duplicates, however, all reference numbers were connected to loans taken out or transferred by XXXX subsidiaries. I created a spreadsheet based on all fraudulent XXXX 's submitted and it appears the above reference reports many not be duplicates. Please review my spreadsheet just to double check, It appears documents were passed to each XXXX subsidiary and new loans were taken out on their behalf which, explains why there was a a balance on the home were was stated by XXXX XXXX to have been paid off, This document is located in the Georgia Clerk of Superior Court System. We have never refinanced any loans on our personal property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I keep getting letters and phone calls from a law firm named XXXX XXXX trying to collect a debt for midland funding I have no idea what this debt is and they have not provided what the debt is also midland funding is a debt collection agency i do not have any outstanding debt with any companies and want the phone calls and letters to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was trying to cash a {$2000.00} check from a guy that I met on an online dating website. It was stupid, I know that now. But anyways I thought I would open a bank account with part of it and the rest I would send back to him. I learned from my mistake. Looking back over it now I can see all the red flag signs that I chose to over look. But it obviously turned out to be a fraudulent check. I have since tried to be a better person. I don't do any online dating and since been trying to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received letter from XXXX, this is the company experian uses to verify information, XXXX shows bankruptcy is not correct and has been removed on XX/XX/21, experian said they verify information with them and it looks like they did not, because XXXX shows it not listed on XXXX records, i uploaded documents ( letter from XXXX showing this has been removed and date of XX/XX/21 ), to file experian XXXX and XXXX and just uploaded with no file number, still no response or removal of bankruptcy from experian,

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 2021-09-08 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: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
Received an unsolicted Master Card from Barclay bank. After two dropped calls following a lengthy hold, I then held for over two hours with no one ever answering. No one responds.

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is a continuation of account number XXXX, submitted on XX/XX/2021 closed on XX/XX/2021. 

Although the letter received from the company ( Macy 's ) states that there indeed WAS a mistake and the account was duplicated and would be corrected, I have since received letters stating that there was not an error and no corrections would be made.

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 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I have a mortgage loan serviced by Mr. Cooper and they have charged me XXXX in fees ( {$25.00} x 2 ) because 2 lenders had made unauthorized requests for a payoff amount on my Mortgage. I was in the initial stages of looking at refinancing options and didn't give these lenders permission to request a payoff quote. Mr Cooper not only provided them the info they charged me for each request. 

I called them and they said they would not remove the unauthorized charges. They tried justifying it by saying the requesters could have got it for free by mail but they chose to get it electronically and accepted the {$25.00} fee while totally ignoring the fact that I was repeatedly telling them that I never authorized them to request it in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX states the account was paid off on XX/XX/2021. I need credit report updated to purchase another vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
XXXX XXXX was my original mortgage company who financed my purchase loan but within a month or so I was sold to U S Bank XXXX XXXX. Under U S Bank my due date to pay my mortgage changed putting me in a strained position over the last 11 years and 2 months. 

My due date now is anytime between the XXXX of the month to the XXXX to make my loan payments. XXXX XXXX was due towards the end of the month which gave me time to receive my social security benefits so I can make my payments on time without late fees being applied. 

With U S Bank I asked them to change my due date to appear in the range of when I receive my benefits they have declined me several times. It is as if they want me to lose my home. 

Each month I have to hold 2 months payments out of my social security benefits to avoid paying late fees or being in default. It has been very frustrating to hold 2 mortgage payments out difficult I may add causing a monthly financial burden. 

Although, U S Bank XXXX XXXX  gives us until the XXXX of every month to make our payments, they have another stresser in addition to our payments. They print our monthly statements on the XXXX. I was told by U S Bank representative XXXX just on Tuesday that the reason my statement doesn't show my payment was made on the XXXX the grace period date due to their cut off date of the XXXX. The statement shows me being a month behind in my payment and on their website as well. But in my bank account they were paid on the XXXX. 

This made a problem for me when I applied to refinance my home with a different company when they asked for my most recent statement and it makes me appear to have not paid my previous monthly mortgage payment. 

U S Bank representative said oh on your XX/XX/XXXX statement will not show a mortgage payment past due. So I had to explain to the new mortgage company to check my bank statements to see I did pay my mortgage and contact U S Bank if they like. 
Now I have to wait 8 days to get my new statement when U S Bank to prove I am not delinquent on my payments. I feel they don't want customers to go any other company by publishing falsified information on the borrowers payment history.

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 2021-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Collection Bureau Of FWB Has been sending me collection notices. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: GA

Complaint narrative:
On XX/XX/2021 I requested to have Equifax remove an account from my credit report. The company that is show up is XXXX XXXX The balance that is being reported is too high. I have them verify this information according to Section 609 of the FCRA requires you to send me copies of the agreement with my signature. That is the only satisfactory proof and I am yet to receive it.

The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I applied for a covid deferment and was approved for 12 months and was told at that time that there would not be an increase in the principal owed. I resumed payments after 7 months. My latest statement shows a penalty at {$8000.00}. I was not aware of any penalty for accepting help for covid. I was not aware that it was allowed by law. I was assured that there would not be any extra charges before I agreed to the deferment. I asked a supervisor to make sure and was told that I had correct information. My mortgage was {$160000.00} and now is {$160000.00}. 
I can't understand how this company can lie and actually steal money from victims of the pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I paid off my auto loan with XXXX in full. The loan originated on XX/XX/XXXX. I never had a late payment during the loan. 

Because I paid off the loan and closed the account Transunion lowered my credit score by 41 points and the rating to fair. XXXX lowered my credit score by 39 points. 

As a result of their actions the rates I would be charged on new loans demand a higher interest rate as well as reduce the market for companies willing to loan to me. 

I protested to the companies and was told I was a higher credit risk since I closed the account which lowered my credit rating. 

This is absurd since by paying off the account I reduced my monthly debt by {$550.00} which intern increased my liquidity by {$6600.00} annually. 

I feel they should have done the complete opposite and increased my credit rating due to the perfect history for the loan.

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed information on 2 accounts same company XXXX XXXX XXXX XXXX, transunion removed one but not the other XX/XX/21, see attached letter, both of the accounts are over 7 years and should be removed,

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 2021-09-08 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 received an alert about an unauthorized inquiry on My Equifax Credit Report From XXXX XXXX XXXX XXXX Dated XX/XX/2020 ... This is an fraudulent attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: TX

Complaint narrative:
I HAVE REASON TO BELIEVE IVE BEEN A VICTIM OF IDENTITY THEFT BECAUSE THERE IS AN ACCOUNT AND INQUIRES REPORTING TO MY CREDIT REPORT THAT I'M NOT AWARE OF AND NOT SURE WHO THE ACCOUNT BELONGS TO AT THIS TIME.

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 2021-09-08 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: TX

Complaint narrative:
I HAVE REASON TO BELIEVE IVE BEEN A VICTIM OF IDENTITY THEFT BECAUSE THERE IS AN ACCOUNT AND INQUIRES REPORTING TO MY CREDIT REPORT THAT I'M NOT AWARE OF AND NOT SURE WHO THE ACCOUNT BELONGS TO AT THIS TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Inaccurate and fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XX/XX/XXXX my name is XXXX I purchase a XXXX on XXXX from Ally financial I have been paying on the van for over 4 years I have paid about {$17000.00} for the van already the van when I first bought it the value of the purchase price was {$19000.00} at this moment in time Ally financial is telling me that I owe them over {$19000.00} this is impossible because I already paid them over {$17000.00} I tried very hard to communicate with them and the representative of Ally but they refuse to give me statements or help me in answering my question about the amount of money they said that I owe them that I feel is not true I'm trying really hard to pay off the van and not get a repossessed but they are not helping me at all they told me at one time six months ago to get on a deferred payment plan because of the virus. They're not willing to help me at all in no kind of way or there's no one that I can speak to they put me on hold for hours at a time and never answer my questions I need some help. My cell phone 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 2021-09-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested a copy of my credit report two weeks ago i have not recieved my copy by mail. XXXX has not updated my credit report in three months. XXXX is in voliation of FTC laws governing my credit file. XXXX has not provided documention for any of my recent disputes.

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