vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 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: Convergent Resources, Inc.
State: UT

Complaint narrative:
Convergent Outsourcing is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from Convergent Outsourcing about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.

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 2021-03-17 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: FL

Complaint narrative:
i mailed letters on XX/XX/2020 to equifax XXXX and XXXX  about some errors and its been over 75 days and i havent heard nothing i even sent another letter not hearing back from them in order to get a response and that letter has been over 30 days since they received it back i sent certified mail and have the delivery receipts to prove that they received my letters this has to be some sort of violation with the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have a number of accounts with Synchrony. Last year when I was downsized because of Covid, I called the company and explained I was out of work and needed help because of Covid. They very nicely told me I didn't have to make a payment. Now they are showing I am behind on making payments and are closing any open cards I have.

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 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: VA

Complaint narrative:
To Whom it May concern : I have sent multiple rounds of letters to your company requesting that your company please verify the accounts that are being reported on my credit report as delinquent. The first letter was sent out via certified mail XX/XX/2020 and was received XX/XX/2020. Your company has failed to provide me with any signed documentation with my signature, only a summary of a debt that your company claims that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
Throughout the month of XXXX, I attempted numerous times through 45+ minute hold times, emails & faxes to obtain a payoff letter for a XX/XX/XXXX closing date. Payoff letter finally received and sent to title company. Closed on XX/XX/XXXX, wire sent from title company to Amerihome. XX/XX/XXXX, Amerihome rejects payoff amount and issues a new payoff letter $ XXXX more and wants interest accrued since XX/XX/XXXX. 
Nobody answers the phone - they literally say call volume is too high and won't answer. 
The title company is holding the funds and can not get in contact with anyone at Amerihome to communicate with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: CA

Complaint narrative:
The credit have fail to do their job yet again. I had a debt with XXXX XXXX XXXX account # XXXX. I settled with them for {$390.00} on XX/XX/2020. This was supposed to be deleted and still remains on my reports. Why after several months this is still on there I have no clue. Attached you will find the confirmation letter from XXXX with the proof it was paid. Why is this taking so long to be remove from my reports? I did my part now it time for them to do their.

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 2021-03-17 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: CA

Complaint narrative:
The credit have fail to do their job yet again. I had a debt with XXXX XXXX XXXX account # XXXX. I settled with them for {$390.00} on XX/XX/2020. This was supposed to be deleted and still remains on my reports. Why after several months this is still on there I have no clue. Attached you will find the confirmation letter from XXXX with the proof it was paid. Why is this taking so long to be remove from my reports? I did my part now it time for them to do their.

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 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Valley National Bank has not closed my credit card despite 17 ( seventeen ) attempts to contact them. We have called their credit card dept between the hours of XXXX and XXXX EST. They never answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
PHH Mortgage ( Based in NJ ) - I refinanced through XXXX XXXX XXXX late 2020, my mortgage was then sold to PHH mortgage. PHH requires signed " ammendments '' to be able to make online payments. I have sent these amendments multiple times ( signed and completed ) - if you do not sign them they require a XXXX XXXX XXXX or a check ( this isn't the 90 's, I don't have a check book or time in my day to figure out XXXX XXXX  ). I have sent the amendments 3 times this month and my account is not updated. They are now calling me saying I have late fees. They will not take payment over the phone and they will not update my file. I have spent hours on the phone with them and they will not fix it. This is a common issue with PHH ( read the reviews ). This is going to negatively affect my credit score. I am trying to pay but they simply will not let me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Dedicated Credit Repair
State: CA

Complaint narrative:
Dedicated Credit Repair are misleading with when it comes to their results of disputing negative times on a person 's credit report. In my situation the company filed a dispute with XXXX. They alleged that I had a total of ( 11 ) negative items on my credit report and that they were able to remove ( 8 ) of those negative items. When in reality, I never had ANY negative items of my XXXX report! My FiCO score was well over XXXX. This was a lie and misleading. Additionally, they are charging excessive fees for work that has not been performed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: PA

Complaint narrative:
This account is not mine. I stayed at the resort once but only paid for the room for the time I was there. I did not purchase anything from them. They have been billing me and I continue to pay because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this with the credit bureau and had no resolutions. XXXX took my information they had on file while I was staying there and fraudulently used it without my permission to open this account. XXXX & the credit bureau have been reporting this inaccurate account and it is hurting my financial stability. This is a scam. I demand this to be thoroughly investigated promptly. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to XXXX  and TransUnion and to the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of 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 2021-03-17 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 account is not mine. I stayed at the resort once but only paid for the room for the time I was there. I did not purchase anything from them. They have been billing me and I continue to pay because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I have disputed this with the credit bureau and had no resolutions. XXXX took my information they had on file while I was staying there and fraudulently used it without my permission to open this account. XXXX & the credit bureau have been reporting this inaccurate account and it is hurting my financial stability. This is a scam. I demand this to be thoroughly investigated promptly. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to Equifax and XXXX and to the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: U.S. BANCORP
State: MN

Complaint narrative:
There is a charge on my credit card that Im trying to dispute due to the fact that services were not rendered. Apparently US BANK states they sent me mail communication requesting additional information and I have repeatedly told them I did not receive this type of communication in the mail. Although this is a technicality issue and the dispute should continue as it is designed to you they are refusing to reopen an investigation, they have reverse the provisional credit and continue to charge me late fees and interest fees. I also did not receive any communication in the mail stating that this dispute was closed not in my favor until I received an email stating that my account was past due ... I do not carry a balance on my credit cards ever. I have continuously called US BANK and their claim representatives have told me that I now need to take up the issue with the Postal Service at is it its no longer there a problem. Due to their lack of respect for their costumers I have closed all accounts associated with this company and I am hoping that my credit reporting does not take a hit because they refused to cooperate with their customer on this issue.

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 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XX/XX/2021 : Can not access Equifax account to lift security freeze. Website wont accept account credentials and wont reset password. 

Phone service disconnects after entering all information and selecting " continue ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Our 2 family home is owned by 4 individuals with a Home Equity Loan of {$64000.00}. My wife and I owe {$20000.00} and my in-laws owe {$44000.00}. However the 3 credit bureaus report each of us owing {$64000.00}. This is not only misleading BUT inaccurate! When a bank, etc. 
checks our individual report it inaccurately appears as if we each owe {$64000.00}. Which in turn causes any of our individual applications to be denied. 
I have written to and filed disputes on the web sites of XXXX XXXX & Trans Union over the past years and HAVE NEVER RECEIVED A RPLY /EXPLANATION. 
I do not feel we are be treated fairly when a financial institution denies us, as individuals, because the 3 Credit Bureaus show us owing more than we do!!! 
Respectfully, XXXX XXXXXXXX XXXX  XXXX [ + other 3 owners, XXXX XXXX XXXX, XXXX 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 2021-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have completed a transaction with PayPal on XXXX XXXX, 2020. PayPal is holding on to my money and char4ged a transaction fee and still holding g on to it. 

In the mean time they charge me interest on their credit card. 

They hold on to my money with impunity Most unscrupulous company They waste time sending all calls to XXXX Paypal id : XXXX Every time I call they give me a hold time of 7 hrs

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX. CHASE Bank. Closed my account after I begged them to allow me time to keep it open because of my stimulus checks going to that account and to not fall victim to any of my money sent to wrong account. They closed it. I spoke with Account Recovery on XX/XX/XXXX to recoup the funds, they said that I had to have a 2nd personal checking to do so, and being that I didn't they sent my money back to IRS. Which I still haven't gotten as of XX/XX/XXXX. 
A 3rd stimulus was released from IRS on XX/XX/XXXX to the same account ending in 5206.. which I tried to update with IRS which they don't allow. Chase Bank said one again pay the old account off in amount XXXX and open a new account and they can reroute my stimulus from the closed account to the new account. I confirmed this with Claims and Dispute Dept at Chase Bank. So I paid it and opened a new up this time to avoid my funds being sent back. I asked for Notes to be on my account to prove that If I pay the old account I would have a reroute.. today XX/XX/XXXX my stimulus hit the account and How Nasty Chase Bank Claims dept Manager etc got with me. I feel hood winked and Tricked to pay that acct off and now being told it was a Corp decision to not reroute any funds regardless of new open account. Why wasn't that explained to me when I verified with the dept that reroute funds on Monday XX/XX/XXXX, and Tuesday XX/XX/XXXX I needed my XXXX to pay at mercy Bills to prevent a car repossession, and keep food the table and Chase Bank lied to me and led me down a dark path and then got nasty about my situation. I don't deserve that from Chase Bank to be lied to and tricked to get my last earned bucks and then told to Call IRS about your money, not us That was so nasty. As a consumer I've been wronged by a banking institution and account was notated that if I paid charge off, open a new account, I would still get my funds And the say of funds being deposited, I feel scammed by Chase Bank. They gave me false Hope in my drastic situation. Which is WRONG. No integrity, and all lies was told to me and I believed it. I don't trust Chase Bank and they practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I cosigned for my daughters Student XXXX loan when she was attending XXXX XXXX in XXXX, NY back in XXXX. Back then it was positioned as " The Student XXXX Loan is a flexible, private education loan sponsored by XXXX XXXX that compliments the XXXX XXXX XXXX XXXX '' Very misleading. 

They are far from flexible. The loan amount was {$24000.00} at the time. Her current balance is {$23000.00} after 12 years of paying approximately {$240.00} per month. She can not take me off the loan as a cosigner, she can not make extra payments. She wants out but has to pay the full amount of {$58000.00} minus what was paid to do so. She has had problems in the past making payments and we both get numerous calls and threats. As well, my credit rating went down when she missed payments, and they used that to threaten me when she was behind in a payment, so I could make the payment on her behalf. She was also charged late fees. 

Is there a class action suit that she is covered by? I am looking for guidance, without having to go to a lawyer on her behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent correspondence to each bureau on XX/XX/21 disputing inaccurate items and as of today over 50 days later I have not received a response notifying me of the investigation. I feel like I'm on a hamster wheel disputing this inaccurate information. In researching how these inaccurate items appeared on my report I discover my information was impacted by the XXXX  data breach. Now more than ever I feel my information has got into the wrong hands. I also researched it is illegal by US law inaccurate items be deleted. Your assistance is greatly appreciated

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 2021-03-17 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: TN

Complaint narrative:
I have a number of accounts with XXXX. Last year when I was downsized because of Covid, I called the company and explained I was out of work and needed help because of Covid. They very nicely told me I didn't have to make a payment. Now they are showing I am behind on making payments and are closing any open cards I have.

Company response to consumer: Closed with explanation