vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-28 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: NC

Complaint narrative:
On XXXX, {$630.00} was reported to the credit bureaus as a collection from Convergent Outsourcing. Ive never done business with this company. Ive disputed the account twice and both the company and the CBs never provided me with a signed contract with my signature. The collection bill is not a validation and I have a right to be provided with proof or it the account needs to 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 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a complaint about XXXX  XXXX  a few days ago in regards to them deleting my charge card with them off my credit reports. Today XX/XX/2020 I received a response back that they reported my history to the credit reporting agencys on XX/XX/2020 and they report every 30 days. Today is XX/XX/2020 its past 30 days and this account should be reporting. Due to them deleting this account off my credit reports my score dropped over 93 points. I am extremely frustrated that I now have a much lower credit score and I had asked me to please per TransUnion call them and TransUnion said they will have them immediately report it back on my 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 2020-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020 I sent a letter to Chase disputing a credit card debt and made an offer of settlement. I sent the letter to the address on back of my monthly statement that was solely designated as their " dispute '' address. The letter was received as per the USPS certified mail receipt. I included a check in the amount of {$1900.00} as and offer of settlement. On the check I wrote " PAID IN FULL BALANCE XXXX ( XXXX ) IF CASHED. In addition, I disputed late payments reported to the credit reporting agencies that were in dispute also. Chase cashed the check and continues to send me statements. The most recent statement has a " new balance '' of {$2000.00} and is due XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AL

Complaint narrative:
Companies involved in filing this fraudulent claim against me twice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount of fraudulent claim : XXXX On XX/XX/XXXX and Individual : XXXX XXXX fraudulent used my SSN to obtain cellular Service from XXXX XXXX in XXXX, AL. Her birthday, address and name did not match mine, which leads me to believe that no one asked to see her identification before granting her this fraudulent account. In XXXX I joined XXXX XXXX and noticed a collection had been filed against me by XXXX XXXX XXXX. I was successful in removing this from my bureau at this time. However, they filed the same claim against me again in XX/XX/XXXX through XXXX  XXXX  through XXXX XXXX  XXXX  again i was made aware of this through XXXX XXXX. I am in the process of removing this claim again. So far, I have had to verify where I lived in XXXX, file a police report, and provide them with a copy of my birth certificate and driver 's license. I also had to provide them with my address, an address i have lived at for 34 years. Since providing them with my address they are now sending correspondence to XXXX XXXX, ( the person that used my SSN # to obtain the account placed into collection ) to my address. I did not open the correspondence and placed return to sender no one lives here by this name on the envelope. Surely, there are steps i can take to stop them from continuing to ruin my good name and credit. I am a XXXX XXXX XXXX woman, working as a real estate agent during a pandemic as an essential worker, caring for an XXXX XXXX XXXX mother, while maintaining and running my home. This is beginning to wear on me. I need help. Please advise of my rights and provide me with any information you can to make these people leave me alone. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Penny Mac has been telling me that deferring my payment to the end on my loan was a foreberance option available to me..Tonight, a  supervisor, XXXX, told me that because I paid XXXX XXXX   mortgage on XX/XX/2020, instead of XX/XX/XXXX, the option to defer my mortgage to the end of my loan is no longer available..I have made a formidable effort and have caught up to my mortgage to most of XX/XX/2020. I have exhausted my savings and have NOTHING LEFT. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
i had two mortgages with bank of america that were transfered in XXXX banks are not supposed to report payment issues during the transfer because it is being transferred. we actually got a check back from bank of america as the loan was being transferred. very suspicious that my loan goes into delinqunecy on the month it is transferred. that is not supposed to happen

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 2020-07-28 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: CA

Complaint narrative:
THERE ARE SEVERAL ALLEGED COLLECTION, CHARGE ACCOUNTS SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623 IM DEMANDING THE REMOVAL OF THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: CA

Complaint narrative:
THERE ARE SEVERAL ALLEGED COLLECTION, CHARGE ACCOUNTS SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623, IM DEMANDING THE REMOVAL OF 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 explanation
Consumer complaint received 2020-07-28 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: VA

Complaint narrative:
Equifax is violating the HIPAA Law by reporting 5 medical accounts from XXXX XXXX that discloses the type of medical treatment received from XXXX XXXX and XXXX XXXX. This is a clear violation of the HIPPA Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
unauthorized and fraudulent inquires reports on 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 non-monetary relief
Consumer complaint received 2020-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
After Citi fraudulently stole {$2900.00} and refused to refund me despite my multiple appeals, I filed a CFPB complaint. As retaliation, they closed my account the night of XX/XX/XXXX, the day before XXXX of XXXX weekend. These cowards refused to provide me with the true explanation, but I finally found out it was retaliation through some digging. 

On XX/XX/XXXX, I received a letter that I would receive my funds from the closed account no later than 10 business from the date ( XX/XX/XXXX ). I called on the 8th business day, and was assured I would receive my funds by the XXXX. I did not. I tried to call again today, and it appears the bank has blocked my number and stolen these funds as well ... ..

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 2020-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
It all started with XXXX who kept saying I owed {$2900.00}. They would call Example XXXX then my cell phone number. I would call XXXX and they stated they had no Idea what i was talking about I was in good standing and also left to XXXX and was able to port my number XXXX XXXX XXXX. I transfered 3 numbers to XXXX XXXX. My wife stayed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She stayed because she still had a year left on her contract. One day some called no name given but this time they called me around XXXX XXXX   and I was told they have been trying to collect {$3000.00} debit. They even said they were going to have me arrested. When I said come to the station I am working ( i am XXXX XXXX ), they hung up. I called XXXX   they put me on hold and they called the number they said for that person to get rid of the debit they needed my Entire Name, My DOB, MySS #, My current address. When XXXX identified themselves they hung up. They added all the notes to account. Then she sent to XXXX Fraud Dept. They Investigated and did admit it was Fraud. they sent me a letter. Some how the it took three months and they sent me to collections. When I called and was on the Phone for 6 hrs that day the collection agency said that This Matter was already resolved XXXX XXXX. They even tho they knew it was fraud they left it on all three credit agencies and No one has taken it off. I went from an XXXX to XXXX on two of the three and XXXX has me at XXXX. I signed up with Identity Guard Family Plan ... .. I Am in the process of of getting a SBA loan and have a Lease that is going ending XX/XX/XXXX and am going to get another My world has been turned upside down and dont know what else to do I contacted all 3 Credit Agency 's and Some one tried to open another Cell this time with 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 2020-07-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
unauthorized and fraudulent inquires reports on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: NY

Complaint narrative:
I have contacted Equifax numerous times in reference to the XXXX XXXX XXXX account the is reporting on my credit report that was not and is not authorized by me, i didnt sign anything and i did authorize anythings, This is a FRAUDULENT ACCOUNT, I am a vicitim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I enrolled in this lenses COVID 19 program in XXXX. I was incorrectly hit with a late payment on my credit and drastically impacted my financial situation during these hard times. I have already paid this company the amount that was supposed to be differed and I am current with them. When I made the amount to be current their rep said sometimes during the COVID hardship program late payment get reported incorrectly. Still I am getting the run around and no assistance whatsoever. This should not e tolerated in a time like this because of an employees incompetence.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have a loan with BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and BANK OF AMERICA with no successful resolution. There was definitely an error on their part.

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 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I enrolled in this lenses COVID 19 program in XXXX. I was incorrectly hit with a late payment on my credit and drastically impacted my financial situation during these hard times. I have already paid this company the amount that was supposed to be differed and I am current with them. When I made the amount to be current their rep said sometimes during the COVID hardship program late payment get reported incorrectly. Still I am getting the run around and no assistance whatsoever. This should not e tolerated in a time like this because of an employees incompetence.

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 2020-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I called Bank of America card services to pay a balance of over {$25000.00} on XX/XX/2020. I provided the correct routing and account numbers to the representative named XXXX, located in Virginia, to satisfy not only the balance, but the expected interest that will be billed in XX/XX/2020. The payment did not process from my bank account as expected. I called Bank of America on XX/XX/2020 and spoke to XXXX about this issue. I was reassured that no negative impact would affect my account as this was a bank error. I have now been charged a {$28.00} fee for the returned payment due to Bank of America 's error. So far, BofA has not credited my account for this fee or removed the returned payment history from my account. This is absolutely no fault of my own. At this point I want the errors corrected, and additionally, I no longer want to be charged the anticipated residual interest due to the fact that I have been MATERIALLY IMPACTED, and my time has been wasted in trying to resolve this. I also want further compensation, to the effect of no less than {$5000.00}, for the time and stress which I have incurred due to Bank of America 's blatant incompetence in being able to service my account needs accurately. Without a satisfactory, and timely, response, I will pursue further legal recourse.

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 2020-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: VA

Complaint narrative:
I contacted Rent Recovery Solutions after receiving an alert of a collection attached to my social security number on my credit report. After learning that this was an account for 1 ) a lease that I never signed for residency 2 ) City and State were I have never resided 3 ) attached to a name that is not me. After the representative become combative, I decide to write a letter to this company, Rent Recovery Solutions that I have absolutely no dealings with, nor the client that they are representing, XXXX at XXXX. Rent Recovery Solutions stated that they purchased the debt from XXXX at XXXX and that the debt belongs to XXXX XXXX. I received an ineffective response in writing from Rent Recovery Solutions. I'm extremely perplexed as to how a debt belonging to another person whom I do not know is on my personal credit file and social security number. When I requested the contract/lease, any supporting documentation for this action, my request was not honored. I would like to receive assistance prior to filing a complaint with the circuit court for the Common Wealth of Virginia for this matter. I'm extremely upset about this and I will not allow this company cause this harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: FL

Complaint narrative:
Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute which was filed XXXX XXXX, and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. To date, I have received no response from all 3 bureaus. 

Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), the bureaus are required to have provided me written notice of the results of the reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of the reinvestigation. Since the statutory periods have expired, I consider all 3 bureaus to be in violation of the cited sections of the FCRA. 

Please be advised there are not exceptions listed, when faced with extreme weather or health pandemics. If the bureaus are given exceptions on breaking the law, they need to go to congress and  have the law changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I have contacted XXXX  numerous times in reference to the XXXX  XXXX XXXX account the is reporting on my credit report that was not and is not authorized by me, i didnt sign anything and i did authorize anythings, This is a FRAUDULENT ACCOUNT, I am a vicitim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I have a mortgage with my mother who was deemed incompetent in XXXX. The mortgage is in both our names, I was not made aware of the foreclosure until XXXX, my mother 's guardians kept this information from me. Wells Fargo did not attempt to contact me at my residence which is the address of the mortgage. When I did find out about the foreclosure, I went to the next court date. Wells Fargo 's attorney 's XXXX, XXXX and XXXX rarely showed up for court proceedings. I hired an attorney and was assured that Wells Fargo would allow me to make my payments. They declined payments, they will not speak to me about the loan. Also, I filed for loss mitigation and never received a response. This is an FHA loan and is a Ginnie Mae loan. The XXXX website shows that the loan is no longer active. XXXX, XXXX and XXXX purchases mortgages and tries to collect the debt. This debt collector tried to get information from me acting as if they were helping me with the process. The guardians of my mother did not show up to court on her behalf, they sold her other properties and did not pay off this mortgage. The guardians are my cousins who I had appointed as her guardians. They had documents signed off on by her husband, the county judge executive at that time and by the coguardians sister in law who is the county clerk. The judge would not look at material facts because he is a dear friend of the guardians. The County Clerk is their cousin. The attorney who I paid {$3800.00} dropped out of the case due to running for judge and I had to find a new attorney, then the pandemic began, the courts were closed, I couldn't meet with attorney 's and the next court date the judge would not allow more time to acquire a new attorney and said he would get back with me on a decision. I received a document from the court on XX/XX/XXXX stating that the foreclosure auction would be on XX/XX/XXXX. The notice of sale was listed on XX/XX/XXXX. This is not sufficient time according to advertising if foreclosure sales. Wells Fargo 's attorney 's did not have the escrow account deducted from what was owed. The XXXX   documents were robosigned by an employee of Wells Fargo to transfer to Wells Fargo in XX/XX/XXXX, but they actually started servicing the loan in XXXX. Their are so many discrepancies and statute violations in this case. I need help and no one will help me save my home. Wells Fargo also stopped all foreclosure sales during the pandemic, but my sale is still on. Please help me!

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