vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 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: NM

Complaint narrative:
Experian is not responding to any of my many requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: AZ

Complaint narrative:
Hi : XXXX XXXX XXXX  put my account in forbearance. I never requested this or wanted it but thought to look at my account status after reading this article : XXXX XXXX XXXX I was shocked to see my account was put into forebearance without my request to do so. My account is in good standing. There have been no missed payments. I want forbearance off my account because this was a gross mistake by XXXX XXXX. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: HEARTLAND PAYMENT SYSTEMS INC
State: MI

Complaint narrative:
XXXX XXXX University XXXX XXXX XXXX first issued the XXXX XXXX XXXX XXXX while a successful student at the XXXX XXXX XXXX and several payments were made although I incurred hardship due to economic disadvantages including COVID-19. My current status is postponed until XX/XX/2020 via a phone call from a XXXX representative, XXXX. However upon receipt of my account statement, disclosures of information indicated that fees and an amount should have been adjusted due to the current pandemic. During my attendance at XXXX XXXX University XXXX XXXX XXXX, the XX/XX/XXXX crisis in New York at the XXXX XXXX XXXX XXXX on XXXX XXXX transacted and several bodies were lost such as in the current pandemic of COVID-19 and additional financial relief should be required to offset my medical school studies and other opportunities beyond. In addition to the foregoing, my XXXX school education should be paid for with financial relief disaster plan funds under the executive orders of Governor XXXX XXXX and approved through the XXXX XXXX and all forthcoming Presidents of the United States of America for my long history of problems incurred trying to find work after XXXX school and now as I am applying to return to XXXX in the XXXX at XXXX XXXX XXXX XXXX XXXX even my University of XXXX XXXX XXXX XXXX XXXX XXXX should los be allocated into the funds that would pay for my XXXX education and even XXXX School should that plan fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KLS Financial Services, Inc
State: AZ

Complaint narrative:
Paid in full please stop taking advantage of me and marking my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I had an overdue balance on my XXXX account in the amount of {$430.00}. I initially had a 24 month contract which provided promotional pricing. However, as the end of the contract was coming up, I was unable to login into my online account. XXXX locked me out of my account even though I still had and was paying for service. Each time I called XXXX Customer Service, the wait was over an hour. So I continued to pay the high monthly price even though I really couldn't afford it. It's almost impossible to get through to someone unless you have at least an hour, but usually more, to set aside to call them. 
My service was disconnected in XX/XX/XXXX due to nonpayment. I contacted XXXX XXXX on XXXX ( see attached ) XXXX refused to close my account after my contract was over and until I returned the equipment. This resulted in charges from XX/XX/XXXX through XX/XX/XXXX. ( see correspondence with XXXX XXXX on XXXX ) even though I did not have service. Moreover, I had requested XXXX close my account which they refused to do until the equipment was returned, thus incurring additional monthly charges for services I did not even have. 
I had trouble going in person to return the equipment because of the limited hours they were open. If I returned the equipment via mail, it would take ten days before XXXX would update my account and would continue to be charged until it was received. 

I was finally able to return the equipment on XX/XX/XXXX ( see proof ) via UPS office although I was nervous doing so. XXXX then credited my account in the amount of {$340.00} for the equipment rental. They did not credit my account for a portion of the monthly service charge even though I didn't have service and I requested they close my account. They charged me even after I requested my account to be closed and refused me access to my online account. 
XXXX then put my account in collections on XX/XX/XXXX through CCS Collections in the amount of {$430.00}. This is more than three months after the equipment was returned and the account closed and paid. I have attempted to dispute the information with all three credit reporting agencies, however the account is still showing as an open balance under Collections on my credit report in the amount of {$430.00}. My XXXX report states the account information disputed by consumer, meets FCRA requirements but clearly, this is not inaccurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RS Clark and Associates, Inc.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX XXXX.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Integrated Asset Recovery LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-21 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: NC

Complaint narrative:
My identity has been stolen by the same person for the last 9 years, He has opened credit cards in name and auto loans and several boat loans. There is several police reports and FTC reports on file with XXXX, Experian, and XXXX but they don't use 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 non-monetary relief
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
My long standing credit card account with Capital One was closed on XX/XX/2020. I called immediately upon receipt of the email notifying me of the cancellation. I called to ask them to reopen it, but they wouldn't. I am simplifying my finances and moving everything to capitol one, but this prevents me from doing so. I tried to reapply for the same card, but was denied. I'm a customer of 8 years, have more than 10k with them, and they won't reconsider their decision. Right now, I have 3 accounts I just setup to auto pay to my credit card, but it won't work because they closed it. I was not notified ahead of time about the account closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Don't recognize the account never applied

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
For the last 10 months, M & T Bank charged my account {$24.00} per month for premium services, but would not provide any of the services. They would not allow deposits or withdrawals or enable me to meet the requirements to waive the fee. I contacted them to change the account to a free account, and they refused to do so. 

I have not received any services for 10 months. I am entitled to credit for the monthly {$24.00} fee when they stopped providing services. 

Now they are threatening to take my account into overdraft due to the fees but they will not allow me to make a deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
I HAVE JUST LEARNED THAT ALL OF MY PAYMENTS HAVE BEEN MISS APPLIED FOR YEARS NOW! THE COMPANY HAS TOLD ME ON XXXX XXXX THAT THEY WOULD FIX THE PROBLEMS BUT TO THIS DATE OF XXXX XXXX THEY HAVE NOT MADE THINGS RIGHT AT ALL. I NEED YOUR HELP PLEASE THEY ARE STILL MISS APPLYING MY MONEY TO THE ACCOUNT AND THEY ARE NOW CHARGING ME A NSF FEE THAT THEY JUST WAIVED THE FEE BUT I ASKED THEM TO COMPLETELY REMOVE THE FEE BECAUSE I HAD NOTHING TO DO WITH ANY KIND OF NSF CHARGES WHATSOEVER ; & THEY ADMITTED THAT IT WAS AN ERROR ON THEIR PART AND WILL NOT TAKE IT OFF MY ACCOUNT AT ALL! PLUS THEY HAVE FOUND A LOT OF MONEY THAT HAS BEEN APPLIED TO AN UN APPLIED FUNDS ACCOUNT THAT I DID NOT KNOW ANYTHING ABOUT UNTIL XXXX XXXX WHEN THEY TOLD ME ABOUT IT THEM SELF 'S YES I HAVE TRIED MANY TIMES TO GET THEM TO DO WHAT THEY TOLD ME THAT THEY WOULD MAKE THINGS RIGHT WHEN I HAVE ALREADY GIVEN THEM 30 PLUS DAYS TO FIX THE MATTER ; AND THEY HAVE NOT DONE ONE THING WHAT SO EVER IN FACT I WAS TOLD THAT THEY SEE MY PAYMENTS ; BUT NONE OF THE PAYMENTS WERE REALLY APPLIED TO MY MORTGAGE ACCOUNT AT ALL THERE FORE THEY ARE WAY OVER CHARGING ME ON THE PRINCIPAL BALANCE, I AM XXXX WITH XXXX XXXX AND XXXX XXXX INJURY I AND GETTING TO BE ELDERLY! THEY DO GET ALL OF MY MONEY EACH AND EVERY MONTH I HAVE NEVER BEEN LATE AT ALL ; I HAVE NEVER UNDER PAID ANY THING WITH THEM AT ALL! 
I HAVE ALWAYS BEEN EARLY EACH AND EVERY MONTH! I HAVE ALWAYS PAID EXTRA ON THE PRINCIPAL ONLY EVERY SIGNAL MONTH ALL THE TIME THAT I HAVE HAD THIS MORTGAGE ; AND I HAVE TO BARROW THE MONEY EACH MONTH TO PAY ON THE PRINICPAL ONLY PAYMENTS I HAVE NOT PAID ANY EXTRA PRINCIPAL FOR THE MONTH OF XX/XX/2020 BECAUSE I AM AFRAID THAT THEY WILL MISS UP MY PAYMENTS AND CHARGE ME AN NSF FEE AGAIN ; I HAVE ALSO TOLD THEM THAT I CAN PROVE THAT I DIDN'T HAVE ANY KIND OF NSF FEES OR CHARGES OR ANY RETURN CHECK FEES PERIOD MY BANK HAS WROTE A LETTER I HAVE TOLD THEM ALL ABOUT THIS LETTER AND I HAVE TRIED TO SEND IT TO THEM BY FAX BUT I HAVE NOT GOTTEN ANY REPLY FOR THAT FAXED LETTER AT ALL I NEED YOUR HELP PRETTY PLEASE THANK YOU KINDLY FOR YOUR TIME SORRY FOR THE CAPS BUT I HAVE A HARD TIME SEEING THANK YOU. 

P.S. YOU MAY PUBLISH THIS BUT I ONLY ASK THAT MY NAME AND EMAIL AND MAILING ADDRESS NOT TO BE USED YOURS TRULY XXXX XXXX PHONE XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: MI

Complaint narrative:
XXXX XXXX University XXXX XXXX XXXX first issued the XXXX XXXX XXXX XXXX while a successful student at the XXXX XXXX XXXX and several payments were made although I incurred hardship due to economic disadvantages including COVID-19. My current status is postponed until XX/XX/2020 via a phone call from a XXXX representative, XXXX. However upon receipt of my account statement, disclosures of information indicated that fees and an amount should have been adjusted due to the current pandemic. During my attendance at XXXX XXXX University XXXX XXXX XXXX, the XX/XX/XXXX crisis in New York at the XXXX XXXX XXXX XXXX on XXXX XXXX transacted and several bodies were lost such as in the current pandemic of COVID-19 and additional financial relief should be required to offset my XXXX   school studies and other opportunities beyond. In addition to the foregoing, my XXXX school education should be paid for with financial relief disaster plan funds under the executive orders of Governor XXXX XXXX and approved through the White House and all forthcoming Presidents of the United States of America for my long history of problems incurred trying to find work after XXXX school and now as I am applying to return to XXXX in the XXXX at XXXX XXXX XXXX XXXX XXXX even my University of XXXX XXXX XXXX XXXX XXXX XXXX should los be allocated into the funds that would pay for my XXXX education and even XXXX School should that plan fail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: MI

Complaint narrative:
XXXX XXXX University XXXX XXXX XXXX first issued the XXXX XXXX XXXX XXXX while a successful student at the XXXX XXXX XXXX and several payments were made although I incurred hardship due to economic disadvantages including COVID-19. My current status is postponed until XX/XX/2020 via a phone call from a XXXX representative, XXXX. However upon receipt of my account statement, disclosures of information indicated that fees and an amount should have been adjusted due to the current pandemic. During my attendance at XXXX XXXX University XXXX XXXX XXXX, the XX/XX/XXXX crisis in XXXX XXXX at the XXXX XXXX XXXX XXXX on XXXX XXXX transacted and several bodies were lost such as in the current pandemic of COVID-19 and additional financial relief should be required to offset my XXXX   school studies and other opportunities beyond. In addition to the foregoing, my XXXX school education should be paid for with financial relief disaster plan funds under the executive orders of Governor XXXX XXXX and approved through the White House and all forthcoming Presidents of the United States of America for my long history of problems incurred trying to find work after XXXX school and now as I am applying to return to XXXX in the XXXX at XXXX XXXX XXXX XXXX XXXX even my University of XXXX XXXX XXXX XXXX XXXX XXXX should los be allocated into the funds that would pay for my XXXX education and even XXXX School should that plan fail.

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