vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that was late in XXXX, XXXX and XXXX, XXXX on XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was consolidated in XXXX and should not be reporting any lates. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-07 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: AL

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, Company Inquiries : XXXX  XXXX XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX  XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Deinde Online Services, LLC
State: MO

Complaint narrative:
According to XXXX XXXX a short term loand was opened with my information - all correct except spelling of first name, bank and email. The original account was oppend with Integra Credit who never contacted me. My first contact regarding this fraudulent account was from XXXX in XXXX of 2020. 

During my first conversation with XXXX  I was told that it was an Integra account and any dispute had to be addressed with them. On XX/XX/2020 I contacted Integra who informed me that the account was no longer their 's but instead was sold to XXXX. Any dispute needed to be filed with XXXX. All further attempts to contact XXXX went to dead phone lines. 

On XX/XX/2020 I recieved written communication from XXXX stating that they investigated and determined the account was valid and that I now owed XXXX plus an additional late fee for XXXX. 

On XX/XX/2020 I spoke with a XXXX employee who informed me I needed to file a police report and return with the letter ( which will be done today, XX/XX/2020 ). The XXXX employee also informed me they are simply collecting the debt for Integra and that the account is not a XXXX  account. This contradicted the information provided by Integra on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
To whom it may concern, I would like to report a complaint against Convergent Outsourcing for not following with their promise to remove a collection item from XXXX  and or all Credit Reports. 

This account was paid in full on XXXX of XXXX in the amount of {$260.00}, before processing the payment of the entire balance. Myself and Convergent Outsourcing had agreed that once the account was paid in full, Convergent Outsourcing will then remove the collection items from all credit reports : XXXX, XXXX  and XXXX. 

The collection item was successfully removed from XXXX  and XXXX  around XXXX, XXXX & XXXX of XXXX. However the collection item is still present on XXXX. 

I have reached out to Convergent Outsourcing multiples and spoken to several employees that have promised me the removal of this item. I have been calling Convergent Outsourcing consistently since the XXXX of this year and have followed up every month checking in for an update. 

I lastly spoke with them on XX/XX/XXXX and they promised me that this situation was going to be resolved and the removal of the collection item, which is hurting my credit score. Today I received an update from XXXX  regarding my dispute of this item without any success. As you can imagine, I am simply looking to get this matter resolved and the removal of the collection item as agreed with Convergent Outsourcing.

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 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation
State: RI

Complaint narrative:
on XX/XX/XXXX, I received a card from card.com that was opened in my name but I did not request it and realized it was opened fraudulently because someone had tried to get unemployment in my name. I sent 2 emails to try and find out how to contact them because I couldn't get through by phone and finally talked to someone on XX/XX/XXXX. On XX/XX/XXXX the person I spoke to said the account would be closed and I should get something in the mail stating it was closed. on XX/XX/XXXX sent another email saying I wanted something in writing and on the XXXX they got back to me saying I had to call. On the XXXX I called card.com again and was told the account was closed but they didn't have the capabilities to send a letter about it being closed. I had created an account with identytheft.gov and the plan they suggested was to get a letter saying the account was closed, but the card was never used because it was sent to me. They had my name but not my correct address. They used an address I lived at 18 years ago, but the person that lives there I know so he gave me the mail. 
All I want from them is a letter stating that the account is closed so I can have it for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Entered wrong code number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: HW Holding, Inc
State: NJ

Complaint narrative:
Hunter Warfield is a collection agency for XXXX XXXX. XXXX XXXX is a collection agency for XXXX XXXX. My account for XXXX XXXX was held by XXXX XXXX. I contacted Hunter Warfield and spoke with XXXX XXXX who told me that Hunter Warfield no longer had my account and XXXX XXXX did. I asked XXXX to please send a request to the credit bureaus to remove Hunter Warfield from my credit report. XXXX was very rude and told me if I called back, the company would press charges. I called XXXX who agreed to give me letter stating that XXXX XXXX had my account for XXXX XXXX. I paid the account for XXXX XXXX in full including fees to XXXX XXXX. 
Hunter Warfield remains on my credit report and continues to increase the balance biweekly. I would like Hunter Warfield to remove themselves from all 3 of my credit reports as they did not even hold my account and my account is paid in full with another collection agency.

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 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I SENT SEVERAL LETTER TO THIS COMPANY AND THEY HAVENT RESPONDED TO ANY OF MY NOTIFICATIONS. ( LETTER SENT XX/XX/20 ) I HAVE SENT NOTIFICATIONS TO THEM VIA CERTIFIED MAIL THAT shows THEY RECEIVE THE LETTER. I HAVE REQUESTED THAT THEY VERIFY THIS INFORMATION CLAIMING A DEBT THAT I OWE THEM IN WHICH THEY HAVE NOT DONE SO YET. THEY HAVE NOT RESPONDED TO ME IN WHICH THEY ARE REQUIRED TO RESPOND WITHIN 3O DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
COVID Complaint As I stated in a previous complaint against BBVA, I  am a XXXX XXXX and XXXX XXXX XXXX by profession. I help XXXX  find XXXX XXXX XXXX to XXXX XXXX XXXX and XXXX XXXX. I personally have bank accounts and credit cards with several different institutions and BBVA continues to be sub-par. 

I have experienced financial hardship due to Covid. I reached out to BBVA 2 times in writing through their message center. When told to call, I could not get through. I pleaded for deferment in each of my emails to no avail while my other creditors quickly and easily and graciously granted me 30-90 Day deferments with no risk to my credit. BBVA was unable to do this despite my written request submitted online. I then submitted an application online, followed up in the appropriate number of business days in writing on XX/XX/2020. It is now XX/XX/2020 and still have not received a response. See attached screenshots of online correspondence. I continued to make this payment despite not having the funds in my emergency budget which made my financial situation even more difficult. I continued to make them because I did not want to risk a negative impact on my credit. I understand delays with Covid, but the hardship deferment was granted to me with 5 other financial institutions in a professional and timely manner. 

I sent Covid requests XX/XX/2020 XX/XX/2020 XX/XX/2020 If a XXXX XXXX by trade cant successfully receive COVID relief through multiple avenues with BBVA, please tell me how a a low-income or technically challenged or XXXX or elderly person might complete the task. My guess is, most clients would throw their hands up and give up! I will never XXXX  any of my XXXX, XXXX  or XXXX XXXX   to do business with BBVA. BBVA does them a great disservice and is simply is NOT accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE ENROLLED INTO THE FORBEARANCE PLAN DUE TO THE CURRENT PANDEMIA SITUATION. THE AGREEMENT SPECIFIES THAT THE MONTHS OF XXXX, XXXX AND XXXX WILL NOT BE REPORTED DELINQUENT. 
XXXX XXXX XXXX XXXX MORTGAGE  FAILED AND REPORTED ALL THESE MONTHS LATE AND PLAN ON DOING THE SAME FOR THE FOLLOWING MONTHS ( XXXX ) AND THEY CLEARLY SAID I WILL BE ENROLLED AND BE HELPED BECAUSE OF COVID-19. 
THIS IS AFFECTING MY HEALTH IMMENSELY, SO XXXX, SO MUCH FRUSTRATION, I WANT TO 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 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I filed a complaint against the three credit bureaus back on XX/XX/XXXX through your portal under the following complaint ID numbers : ID FOR COMPLAINT SENT TO XXXX  XXXX, ID FOR COMPLAINT SENT TO XXXX  XXXX, ID FOR COMPLAINT SENT TO EQUIFAX XXXX. 
The results that came back was that the following addresses were going to be removed : XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  - XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax - XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX

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

Complaint narrative:
Equifax removed ( incorrectly! ) the most positive item on my credit report. On XX/XX/XXXX, I sent Equifax a letter disputing three items on my credit report. They did not respond, so I sent the letter again on XX/XX/XXXX. The letter included a copy of the credit report with the disputes cross referenced to that report. They corrected one item, ignored one item, and decided one item was correct ( so this will be escalated further. ) But then - they took it upon themselves to decide that I had disputed two more items, which most definitely were not in the letters. One of these, a current XXXX XXXX credit card which is always paid on time, was the most positive influence on my credit report. They DELETED that credit card and subsequently my credit score as reported by them went down 12 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
This is the second complaint I file through cfpd.gov. We have been trying for years to get our loan modified through roundpoint and every time I has been impossible. The loss mitigation ( XXXX XXXX is our single point of contact ) constantly tells us sorry its human error and we have to start the process over. We received complete package acknowledgments and right at the 30 days something comes up and they deny the modification and ask us to start the process again. Because of the great amount of uncertainty with Roundpoint we have worked with a XXXX  counselor from XXXX and they helped is submit a completed package on XX/XX/XXXX ( before Covid ). Four months later and we have encountered same problems and the mortgage company has denied modification and told is they had noted the account to deny any further modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
This is not a duplicate complaint. This is a complaint in regards to CFPB complaint XXXX. USAA blatantly lied on this complaint and said I never requested to have my name placed on the do not call list. XXXX never researched my calls because of they did, they wouldve seen that I requested XXXX separate times to be placed on the do not call list. You have done no research in this matter and I have an issue with the dishonesty USAA provided to me and the original CFPB complaint. You need to correct that lie

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: AL

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-07 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: IL

Complaint narrative:
The company Discover closed my account with no real warning through mail and I am worried it may harm my credit score even tho it is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I filed a complaint against the three credit bureaus back on XX/XX/XXXX through your portal under the following complaint ID numbers : ID FOR COMPLAINT SENT TO XXXX   XXXX, ID FOR COMPLAINT SENT TO TRANSUNION XXXX, ID FOR COMPLAINT SENT TO XXXX XXXX. 
The results that came back was that the following addresses were going to be removed : Transunion - XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX - XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX - XXXX XXXX XXXX CT XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN 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 non-monetary relief
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I filed a complaint against the three credit bureaus back on XX/XX/XXXX through your portal under the following complaint ID numbers : ID FOR COMPLAINT SENT TO EXPERIAN XXXX, ID FOR COMPLAINT SENT TO TRANSUNION XXXX, ID FOR COMPLAINT SENT TO XXXX XXXX. 
The results that came back was that the following addresses were going to be removed : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian - XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN 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 non-monetary relief
Consumer complaint received 2020-07-07 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: IL

Complaint narrative:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information XXXX times. I filed XXXX police reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, gave me XXXX letters of release stating the debt wasn't mine XXXXn and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen XXXX times in the last XXXX years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX My name is XXXX XXXX. 
My phone number is 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 2020-07-07 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation