vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
Saw on my credit for Diversified Consultants for {$5100.00} for XXXX. I immediately called XXXX to see what was going on. Said had an old account from last year and verified was opened and all items were sent back but some how I am still being charged for all the items. XXXX said there was nothing they could do on their end so called Diversified and the people were extremely rude and abusive on the phone before I could even get a word in to explain why I was calling. Threatened me and harassed me. I am also looking into an attorney to go after them for the way they treat consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
I have a pending Complaint I recently file with you concerning a defective XXXX XXXX  bought from XXXX XXXX XXXX XXXX. 
I have been receiving repeated collection calls and today I received a letter from Diversified Consultants the collection agency that has been calling and harrasing me about a bill I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
On XX/XX/2018 in the amount of {$420.00} my auto loan payment was due. I called the Auto loan company and they agreed that I could pay past the 30 days and as long as it was paid before 45 days it wouldnt be reported as a late payment. I tried to reach the creditor and credit bureaus but no resolution was met. It still reflects on my credit score as 30 days late.

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 2019-05-19 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The following accounts that currently listed on my Equifax credit report was previously deleted by Equifax, but keep reappearing on my credit report : MN XXXX XXXX XXXX account number in # XXXX and the XXXX  XXXX XXXX, the accounts are fraudulent, unauthorized and not mine. I have attached documentation for proof the accounts dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NM

Complaint narrative:
Ditech Holding Corporation, et.al, has filed for bankruptcy. 
I sent my regular mortgage payments on XXXX and XXXX XX/XX/2019. 
My XX/XX/XXXX mortgage billing statement shows that Ditech has stopped crediting my payments to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I have a XXXXl MC card that accumulates points with purchase. I can not LINK my credit card to the online XXXX wallet that allows use of credit points like money. I have repeatedly called ( at least 10 times ) the credit card XXXX # to get this problem fixed. I always get the same answer : they can not do it, they have to submit a request to get this fixed -- wait 3-5 days -- and ABSOLUTELY NOTHING HAPPENS. 
Customer service on phone always nice people and polite, but the request never happens. Nothing is done. I have waited at least 6 weeks. NADA. 
I believe they are deliberately ignoring the request so I can not access my credit points and my points expire every month, because guess what, I can't access my points online. I get an error message every time I do this online. 
This is FRAUD on a slow walk. 
I absolutely hate XXXX but so many small business people use XXXX because you don't have to obtain a CC # to use. 
Since Synchrony Bank took over, all this problem began.

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 2019-05-19 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: WA

Complaint narrative:
After reviewing my credit report, I realized that there was a Bankruptcy on there that was innacurate. The entry had the wrong court name, Date Paid and Date Updated. 
I mailed in a dispute to Transunion, XXXX and XXXX asking them to investigate and verify this bankruptcy. 
On Friday XX/XX/XXXX I received a response from them saying the bankruptcy was verified as accurate. I did my own independent investigation and I contacted the court where the bankruptcy was filed and they stated they do not issue information to anyone about court records, especially credit reporting agencies ( See Attached Letter from Court ) The fair credit reporting act requires that original court documents be supplied by only the issuing court and not a third party. 
I found out that the information was being supplied by a third party credit reporting agency called XXXX XXXX. I contacted them and asked for information about this bankruptcy and they did not have it on their reports ( See Attached Letters from XXXX XXXX ) XXXX XXXX in a letter stated that they have filed a dispute with the three credit reporting agencies to delete the bankruptcy record but the 3 agencies have not responded.

Essentially, the three credit reporting agencies are not interested in deleting inaccurate accounts because they are more profitable if they are left on month after month. 
This bankruptcy is not on XXXX XXXX which is where the CRA 's get there information for bankruptcies ... so if they don't have a record for it ... how is this bankruptcy " Verified as Accurate '' by Transunion, XXXX and XXXX? It isn't verified because they never investigated my dispute. 
This is a violation of the Fair Credit Reporting Act and is punishable by {$1000.00} per offense. 
Action Required : Investigate this inaccurate bankruptcy and delete from Transunion, XXXX and XXXX credit report. 

Sincerely, 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 2019-05-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NCB Management Services Inc.
State: MS

Complaint narrative:
I had an account with them. I got laid off wasn't able to make payments. Couple months later they sold my account to NCB Management services without notifying me now i have a collection on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: FL

Complaint narrative:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from CONVERGENT OUTSOURCING in XX/XX/2016 in  the amount of {$110.00}. First and foremost, I have confirmed that the debt collector, CONVERGENT OUTSOURCING is not licensed in the state of Florida to collect on this debt. Secondly, CONVERGENT OUTSOURCING violated the Fair Debt Collection Practices Act rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to CONVERGENT OUTSOURCING? I have never heard of them, have no written contract with them, and have never received any benefits from them. Yet, CONVERGENT OUTSOURCING has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX ) against my name and social security number and demands collections payment from me in the amount of {$110.00}. 

Therefore, I am requesting VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that CONVERGENT OUTSOURCING provide me with competent evidence that I have any legal obligation to pay them. I am asking CONVERGENT OUTSOURCING to please provide the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my " WET ''  signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof  that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent.

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 2019-05-19 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: GA

Complaint narrative:
I am a victim of fraudulent activity and requesting your assistance for resolution - I have been unsuccessful and have tried numerous times disputing this with XXXX XXXX XXXX XXXX and now the credit bureaus. The XXXX XXXX XXXX XXXX loans currently show XXXX balance and permanently assigned to government but the past derogatory marks remain. I did not attend college. I am not being treated fairly and is against Fair Debt Collection Practice Act. I am led to believe they have destroyed my credit intentionally.

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 2019-05-19 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: GA

Complaint narrative:
I am a victim of fraudulent activity and requesting your assistance for resolution - I have been unsuccessful and have tried numerous times disputing this with US Dept of Education and now the credit bureaus. The US Dept of Education loans currently show XXXX balance and permanently assigned to government but the past derogatory marks remain. I did not attend college. I am not being treated fairly and is against Fair Debt Collection Practice Act. I am led to believe they have destroyed my credit intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2019, I made an advance purchase reservation at XXXX for a resort under their official list. This also would qualify me for the {$250.00} XXXX resort credit from American Express, which is why I used my XXXX XXXX card. Since then I have not seen this credit. I have checked the terms of this benefit and it did not exclude any advance purchases : During each year of your Card Membership ( " reward year '' ), you are eligible to receive up to {$250.00} total in statement credits on your Card Account for eligible purchases made directly with participating XXXX Resorts with your XXXX XXXX American Express XXXX XXXX during that reward year. Your first reward year begins on your account opening date. Each subsequent reward year begins on the anniversary of your account opening date. 
Eligible XXXX XXXX purchases must be made directly with the participating XXXX XXXX and charged to your XXXX XXXX American Express XXXX XXXX account for the benefit to apply. Incidental charges ( including charges made at restaurants, spas, and other establishments within the hotel property ) must be charged to your room and paid for with your XXXX XXXX American Express XXXX XXXX at checkout in order for them to be recognized as XXXX XXXX purchases. Visit hilton.com/resorts for the list of participating XXXX XXXX. Purchases made by both the Basic and Additional Card Members on the eligible Card Account are eligible for statement credits. However, each Card Account is eligible for up to a total of {$250.00} per renewal year in statement credits across all Cards on the Card Account. Please allow 8-12 weeks after the eligible XXXX purchase is charged to your Card Account for statement credit ( s ) to be posted to the Account. Please call the number on the back of your Card if statement credits have not posted after 12 weeks from the date of purchase. Card Members remain responsible for timely payment of all charges. 

I have asked American Express to credit this in a dispute and they have ignored me and violated their own terms and conditions. I have attached proof of the reservation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
My original loan was being serviced by XXXX when it then got transferred to PHH Mortgage Services ( www.mortgagequestions.com/ - NMLS ID # XXXX ). Before the loan was transferred, I completed a modification with XXXX. After the modification was completed by XXXX, XXXX charged me a {$99.00} 'Charge - Notice of Default Cancellation fee on my XX/XX/19 statement and the fee was listed with a date of XX/XX/19. I disputed the fee with XXXX but then the loan was transferred. PH Mortgage Services then charged me a {$99.00} 'Assessed Expense - RECORDING FEE Paid ' fee! They charged me on the statement with date XX/XX/19 and listed the charge with date of XX/XX/19. They also raised my principal, interest, and escrow payment portions from the agreed upon rate that was in the modification agreement I signed with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: WA

Complaint narrative:
After reviewing my credit report, I realized that there was a Bankruptcy on there that was innacurate. The entry had the wrong court name, Date Paid and Date Updated. 
I mailed in a dispute to XXXX, Equifax and XXXX asking them to investigate and verify this bankruptcy. 
On Friday XX/XX/XXXX I received a response from them saying the bankruptcy was verified as accurate. I did my own independent investigation and I contacted the court where the bankruptcy was filed and they stated they do not issue information to anyone about court records, especially credit reporting agencies ( See Attached Letter from Court ) The fair credit reporting act requires that original court documents be supplied by only the issuing court and not a third party. 
I found out that the information was being supplied by a third party credit reporting agency called XXXX XXXX. I contacted them and asked for information about this bankruptcy and they did not have it on their reports ( See Attached Letters from XXXX XXXX ) XXXX XXXX in a letter stated that they have filed a dispute with the three credit reporting agencies to delete the bankruptcy record but the 3 agencies have not responded. 
Essentially, the three credit reporting agencies are not interested in deleting inaccurate accounts because they are more profitable if they are left on month after month. 
This bankruptcy is not on XXXX XXXX which is where the CRA 's get there information for bankruptcies ... so if they don't have a record for it ... how is this bankruptcy " Verified as Accurate '' by XXXX, Equifax and XXXX? It isn't verified because they never investigated my dispute. 
This is a violation of the Fair Credit Reporting Act and is punishable by {$1000.00} per offense. 
Action Required : Investigate this inaccurate bankruptcy and delete from XXXX, Equifax and XXXX credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
After reviewing my credit report, I realized that there was a Bankruptcy   on there that was innacurate. The entry had the wrong court name, Date Paid and Date Updated. 
I mailed in a dispute to XXXX, XXXX and Experian asking them to investigate and verify this bankruptcy. 
On Friday XX/XX/XXXX I received a response from them saying the bankruptcy was verified as accurate. I did my own independent investigation and I contacted the court where the bankruptcy was filed and they stated they do not issue information to anyone about court records, especially credit reporting agencies ( See Attached Letter from Court ) The fair credit reporting act requires that original court documents be supplied by only the issuing court and not a third party. 
I found out that the information was being supplied by a third party credit reporting agency called XXXX XXXX. I contacted them and asked for information about this bankruptcy and they did not have it on their reports ( See Attached Letters from XXXX XXXX ) XXXX XXXX in a letter stated that they have filed a dispute with the three credit reporting agencies to delete the bankruptcy record but the 3 agencies have not responded. 
Essentially, the three credit reporting agencies are not interested in deleting inaccurate accounts because they are more profitable if they are left on month after month. 
This bankruptcy is not on XXXX XXXX which is where the CRA 's get there information for bankruptcies ... so if they don't have a record for it ... how is this bankruptcy " Verified as Accurate '' by XXXX, XXXX and Experian? It isn't verified because they never investigated my dispute. 
This is a violation of the Fair Credit Reporting Act and is punishable by {$1000.00} per offense. 
Action Required : Investigate this inaccurate bankruptcy and delete from XXXX, XXXX and Experian credit report. 

Sincerely, 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 2019-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My previous complaint number XXXX filed on XX/XX/2019, is related to this complaint. On XX/XX/2019, I called NFCU and left a message that I want in writing a letter stating that the credit card charges were an error reposted by Navy Federal Credit Union and the charge should not have been reposted to my account. This assures me if the charge is ever reposted by Navy Federal I have documentation to support removing the charge. On XX/XX/2019 I received a call from XXXX a Navy Federal representative stating the charge was removed. I informed her I want it in writing and left a message for the representative. XXXX said she would follow up with the representative to insure a letter was sent. I have heard nothing back from XXXX or the representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This is a secured credit card in which i made a XXXX deposit. I made an arrangement to auto pay my payment down to a XXXX  balance. I had problems with my direct deposit payroll check being late. So I made a second call explaining this and then paid acct to XXXX. The next day Citibank closed my acct and won't refund my XXXX deposit. After not explaining why they closed my acct to start with. I tried to reopen this acct but not able to. That's fine but I still want my money back. I owe them nothing paid in full acct. After 3 weeks of a complete runaround and a total of 11phone calls each lasting 30 minutes or more, and spoke to XXXX ( a manager in customer service ). He promised to see if through and call me go directly. Of course no call!

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 2019-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Borrowed student loan funding from Navient back in XX/XX/XXXX for my sons pursuit of a degree from XXXX XXXX  University. I believe Navient placed me in a risky and expensive subprime loan. The loan doubled in principle as I experienced hardship in the economic downturn in XXXX. I was lead by Navient to multiple forbearances that incresed to overall cost of their loan, instead of telling borrowers who did finally obtain repayment plans costly and un-affordable increases to their payments. In the end, I have been forced to repay far more debt than actually owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: AES/PHEAA
State: GA

Complaint narrative:
XXXX XXXX XXXX is fraudulent. I've never attended college. I have tried to resolve this multiple times but XXXX XXXX XXXX will not help me. They have intentionally destroyed my credit.

Company response to consumer: Closed with explanation