vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
I received a collection account from Convergent Outsourcing Inc and I requested.a validation of the account letter, Convergent responded with account summary and order statements from XXXX. 

After analyzing the items order statements, I discovered that the address, which XXXX  claim to have shipped the items and the date does not match up. 

The address is : XXXX XXXX XXXX XXXX, VA XXXX According to the items order statements, items ordered at various date though all in the year XXXX and shipped to the above post office box. 

To my records, the post office box was opened on XX/XX/XXXX. So, there is no way items could have been sent to the post office while I didn't have the PO BOX yet. 

I asked Convergent Outsourcing to provide more information on the debt they are attempting to collect but I received the same documents and with letter stating the account is valid.

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 2020-09-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I applied for a credit card with Bank of America online. The application was no processed because they wanted more verification of identity. I called their customer service and spoke with an associate who told me they had not began processing my application at which time I told her Im not sending in any verification of identity and I no longer want the card and I I dont Bank of America to to inquire on my credit report. She assured me that they hadnt started the application and no inquiries would be made. But as I checked my XXXX  report the following there was a hard inquiry by Bank of America.

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 2020-09-15 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: PA

Complaint narrative:
I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-09-15 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
My husband XXXX XXXX entered a contract with an auto dealer in XXXX, California. The vehicle he was approved for at purchase was financed with Santander for a XXXX XXXX and the amount of approved loan was for approximately {$30000.00}. In 2014, at the time of purchase, my husbands yearly income was {$6200.00}. My husband was also diagnosed with early stage XXXX. My husband was not financially capable making monthly auto loan payments for a {$30000.00} vehicle. His mental state, and financial state makes it impossible for him to be approved for this auto loan. In other words, why was he granted this loan? 

His judgment was impaired at the time of purchase. Based on my husband need to purchase vehicles he can not afford my this loan predatory lending, an unscrupulous actions carried out by a lender to entice, induce, and assist a borrower in taking a loan that they otherwise are unable to pay back reasonably. This is my third attempt to have the amount appearing on my husbands credit report removed and the contract null and void. I had the vehicle be returned to the auto dealer. 

Sincerely, XXXX XXXX XXXX Rep Payee for XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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:
I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-09-15 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:
I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have a loan with XXXX XXXX ( Original Creditor : 06 XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and AMEX. 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 XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), and AMEX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a small business account with TD bank, NA as of XX/XX/XXXX. I went to the XXXX XXXX XXXX XXXX  NY XXXX, branch to obtain 2 certified checks.The TD Bank Teller ( XXXX XXXX ) and Assistant Manager ( XXXX XXXX ) refused to allow me to take money out of my business account and disburse two cashiers checks. Refusing to accept my current state ( EXP.XX/XX/XXXX) issued NY drivers ID and setting a higher standard for confirming identify by requesting I provide a passport and social security card. No effort  was made to verify that I was a signatory on the account, EIN, location of business, last deposit amount or total of monies in the account. They profiled/using bias/racism against me and refused me service and access to my small business account. As a XXXX owned business I took offense at the TD reps conduct where they claimed they did not care if I had an account or withdrew my money to close the account. I had to leave the business without obtaining the service I was guaranteed as a customer of TD Bank. I contacted my business relationship manager afterward and he confirmed only by a state issued driver license was needed for the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XX/XX/2020, i submitted my 2nd dispute letter to Experian regarding some questionable accounts that were being reported. they responded back, with what i believe to be a stall tactic or letter, stating that they were '' unable to honor '' my request for a dispute. As per the FCRA, i sent everything needed that identifies me. in addition, they even removed items in the previous month that i had disputed, which is why i believe this is a stall tactic on their behalf and that they do not want to remove items that they know they will not be able to verify.

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 2020-09-15 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Went online to place a credit freeze with Experian on XXXX XXXX and they said it was free. That is all I wanted to do. Then they enrolled me in a monthly membership without my knowledge at {$22.00} per month and never sent me any credit reports. I called them to cancel and wanted a refund on XX/XX/2020 and they cancelled it and refunded only one month. I never wanted this and feel they take advantage of us senior citizens. I never got anything free that they advertised on their web site except for the freeze on the account. 

Tired of companies taking advantage of seniors.

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 2020-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened the credit card account with Capital One on XX/XX/2013. Capital One is overcharging interest rates and interests amount on my credit card. I am paying {$37.00} per month on {$1700.00}, amount owed. I have tried to speak with Capital One about lowering the interest rate but the company has refused to work with me in any way. These excessive and abusive interest rates and amounts of {$37.00}, is causing me financial hardship. I have asked to closed the credit card but Capital One has refused to stop the interest charges of {$37.00}. I want to pay off the remaining balance without these excessive and predatory lending business practices. I am a XXXX American Veteran and a senior citizen, and can not afford these excessive charges. I am asking for Capital One, to allow me to close my credit card account, and pay just the balance of the account without recurring interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: FL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX account number XXXX I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-09-15 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: MA

Complaint narrative:
I applied for a credit card with XXXX  XXXX XXXX online. The application was no processed because they wanted more verification of identity. I called their customer service and spoke with an associate who told me they had not began processing my application at which time I told her Im not sending in any verification of identity and I no longer want the card and I I dont XXXX  XXXX XXXX to to inquire on my credit report. She assured me that they hadnt started the application and no inquiries would be made. But as I checked my Experian report the following there was a hard inquiry by 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 2020-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My name is XXXX XXXX my loan number is XXXX and the property address is XXXX  XXXX XXXX XXXX, XXXX, PA XXXX. My loan was foreclosed while it was with Ditech in XX/XX/2017but the IRS says Ditech did not report the mortgage to the IRS. I need the XX/XX/2017 1098 mortgage interest statement but XXXX and Shellpoint say they can not see the info from Ditech since the loan was not active when they took over the portfolio. 

I'm requesting your assistance in obtaining my XX/XX/2017 mortgage interest statement from Ditech so that I may resove the issue they have caused for me with the IRS since they ( Ditech ) failed to report the mortgage to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
MY lender does not want to remove the differed principal as per the principal forgiveness program as of XXXX after the court settlement to reinstate the loan. 

They purposefully forced by not accepting payments under hardship and took me to court demanding full payment and then a foreclosure and sheriff sale date, which ended in the court by me providing the proof of funds to the judge and he asked then to reinstate the loan as per the agreement. Which puts both the parties at the original point. 

They include in the statement all late fees and legal fees and interest and every possible way of making more money from me, I paid every single dollar and they still do not honor the original agreement as of XXXX. I have emailed the servicing company multiple times and they fail to understand and the Lenders are unreachable. 

The original loan was in XXXX. 
The Loan was modified in XXXX. 
Court settlement in XXXX. 

If you investigate into this loan you will see the Loan origination fraud and the unethical Practices of the lenders.

Please refer to section 3.C of the loan modification and compare with my current month statement and you will notice that in the current month you still see {$140000.00} of the {$210000.00} still showing up on my statement till date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: SANTANDER BANCORP
State: PR

Complaint narrative:
Point of Sale system closed on XX/XX/2019, but still getting charged monthly for merchant service. I contacted bank and case was opened last year. I still have not received funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
complaint # XXXX i addressed not being able to dispute debt.in court the debt was showed paid with interest owed the judge gave them there interest and ordered them to return the rest of my money.The law firm of XXXX XXXX and associates acting for ford motor credit is trying to collect same debt court case # XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I received a Letter from Midland Credit Management Via XXXX stating I have a balance of XXXX. MCM stated they are considering forwarding this account to an attorney in my state for possible litigation. If they do not hear from me MCM may proceed with forwarding to an attorney. The letter head date says 9/3/2014, with a supposed deadline of XX/XX/XXXX. I receive restricted harassing phones calls through out the day every day after XXXX, I Believe its Midland Credit Management .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XXXX XXXX XXXX, I singed up for a XXXX 3 day trial for a website. At the time I signed up for the XXXX 3 day trial the website charged me for the XXXX trial AND a 18 month membership for XXXX that I did not authorize. Both charges occurred at the same time and are still on my account, even though I have gone through the dispute process. The bank declined my dispute siding with the website that fraudulently charged my account almost XXXX.

This is unacceptable in modern banking and internet era. This means anyone can just charge me whatever they want and I have no protections that the bank advertises. It specifically states on their website upon signing up and in the TOS that I am not liable for unauthorized charges, that is apparently false and or false advertising. It is obviously not true.

In addition to the fraud charges being allowed. The bank suddenly close out my ATM card without notifying me causing me issues at merchants and embarrassment which could have been avoided. After sending me the new card, the new card is being declined and turned off randomly with a code to the merchant that it is a fraudulent charge, again causing me much embarrassment with the local merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc.
State: NC

Complaint narrative:
I am submitting this complaint because Associated Credit Services is being unfair and negligent. This company has RE-AGED the account and IS reporting discrepancies across bureaus.

I am disputing the following item on my report : Account information : Associated Credit Services, account # XXXX, opened : XX/XX/2019, original balance {$440.00}, original creditor : XXXX XXXX. 

I am willing to take this to the next step by filing a small claim against the company because they have committed multiple violations against my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15 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: FL

Complaint narrative:
XXXX XXXX XXXX  on my credit report was not mine it was determined by the police that this credit card was used to pay a cable bill at an address I never lived at

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 2020-09-15 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: FL

Complaint narrative:
XXXX XXXX XXXX  on my credit report was not mine it was determined by the police that this credit card was used to pay a cable bill at an address I never lived at

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