vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 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: HI

Complaint narrative:
This debt appeared on my credit report. The company sent the debt to collections without my prior knowledge that I owed the debt. I reached out to the company in an attempt to resolve the issue. The company employees sent me through multiple channels over a period of a few months, none of which solved my issues. I attempted numerous times to dispute the inaccuracies through the appropriate credit bureau. Each time the dispute process was over, the company would add the debt to my credit report again, thus starting the origination date over. This prolongs the process of getting the debt removed. Furthermore, Ive reached out to the company to provide me the details of the account in order to prove the debt belongs to me, to which the company offers no response or they respond by telling me that Im not a current customer, they cant locate an account in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OR

Complaint narrative:
This complaint is regarding CHIME Online banking, the freezing of my account, the failure to communicate, and the most egregious not returning my money when I asked for my account to be closed. 

Friday XX/XX/21 I received three automated e-mail about unusual activity and that I needed to send all my personal documents via e-mail to them. 

I was traveling that week, they froze my account. 

Friday XX/XX/21 I uncomfortably sent all these documents and personal information via e-mail. 
-received an automated e-mail saying basically " not good enough '' I send another e-mail with better pictures of these documents. 
-received an automated e-mail again Saturday XX/XX/21 I send them a reply with more documents INCLUDING me having to send a picture of myself holding my passport Meanwhile NOT ANSWERING any of my many questions, just automated e-mail after another. I don't think I have ever felt this ignored and disrespected in my life. 

A few more automated e-mails requesting my documents then finally they sent an e-mail saying because I didn't comply they were closing my ticket, and if I wanted them to unfreeze my account I'd have to open a new ticket requesting assistance ARE YOU KIDDING ME? 

-Finally I sent them an e-mail that Sunday requesting that they return my money and close my account, tired of being treated like trash and not being able to access my money. 

-It 's Tuesday night and after a few e-mails asking for the return of my money and closing of my account they haven't replied with a single e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: HI

Complaint narrative:
This debt appeared on my credit report. The company sent the debt to collections without my prior knowledge that I owed the debt. I reached out to the company in an attempt to resolve the issue. The company employees sent me through multiple channels over a period of a few months, none of which solved my issues. I attempted numerous times to dispute the inaccuracies through the appropriate credit bureau. Each time the dispute process was over, the company would add the debt to my credit report again, thus starting the origination date over. This prolongs the process of getting the debt removed. Furthermore, Ive reached out to the company to provide me the details of the account in order to prove the debt belongs to me, to which the company offers no response or they respond by telling me that Im not a current customer, they cant locate an account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: NC

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX in response to a solicitation. I did not purchase a vehicle. I was advised by the agent she needed my social security number to verify my address and I received an alert from XXXX. I requested a letter to dispute as I did not authorize a hard pull. We decided to accept an offer they gave us but confirmed that they would only run my credit through XXXX XXXX XXXX XXXX to get the cash back and apr they were offering. The next day I was alerted that they ran my credit through the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I did advise that I am only consenting to SETF as I do have an approval from my bank and do not want all those inquiries. 

This was done without my consent by the sales agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Manhattan Beach Venture, LLC
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XX/XX/21 : Contacted CapitalOne regarding a {$59.00} membership fee charged to the account for our Venture card. We asked to have this fee waived, but were told this was not possible. It was explained that the Venture Card provides benefits including 2x miles for purchases. Given COVID, and the fact that travel is not happening, these benefits hardly outweigh the membership fee. We do not carry revolving account balances and hardly use the card enough to warrant any such fee, because we would never recoup through the benefits.

After reviewing our options, we decided that downgrading the card would be the best choice since travel is not possible at this time. 

XXXX We called CapitalOne again to downgrade the card from a Venture to a Quicksilver card. It was explained that our miles would convert to cash rewards ( less than what we previously had ) and there would be no membership fee. However, even with a downgrade, we would still be charged the annual membership fee for the Venture card. We asked to speak to a manager and to have an explanation of why we would be paying for a membership to a card we have just downgraded. I.e. paying a membership fee but not realizing the equivalent benefits ( as the downgraded product, Quicksilver, does not have the same rewards as the Venture and has no annual fee ). The manager did not offer any explanation or offer to waive the fee and simply stated that they have the right to charge us this fee. Eventually, he hung up on us. 

It seems highly deceptive and borderline illegal to charge a membership fee for a product you no longer use. Capital One customer service is beyond deplorable, especially given the current climate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
We have called several times the company directly to try and fix the information being reported to the credit but each time we tried to work with them the problem got worse and it seemed they were just un-willing to work with me to fix it. I have been working on this for the last 3 months to see what i could do to resolve any issues that existed including making additional payments if necessary to fix it. But no co-operation from 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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
We have called several times the company directly to try and fix the information being reported to the credit but each time we tried to work with them the problem got worse and it seemed they were just un-willing to work with me to fix it. I have been working on this for the last 3 months to see what i could do to resolve any issues that existed including making additional payments if necessary to fix it. But no co-operation from 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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My deceased parents left their house to me and appointed me as personal representative of both of their wills, not knowing their had a mortgage on the house. In the will my stepbrother was only over medical of power of attorney on his father. some how he has his name on the house. I called Bank of America, to let them know that they left the house to. I sent Bank of America a copy of the Will and Testament of both and copies of both death certificates They will not talk to me at all, I tried on several occasions also several companies have inform me that the was over charging my parents for mortgage payments .All this stated back in XXXX, when my mother passed and XXXX when my dad passed away. This person name is nowhere on the wills as personal representative We do not want to lose this house of 49 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please note that I have made 2 attempts to resolve this issue. Equifax is reporting inaccurate information ( addresses ) on my credit file and a few UNVERIFIED Accounts.

I've written multiple letters demanding these unverified information removed. 
They claim this information came from the a third party company ( XXXX  ). I have checked with XXXX  / XXXX XXXX and they both do not have these UNVERIFIED ACCOUNTS on their files. Even after all of this they keep telling me that the information is verified but they have NOT provided proof by way of documentations such as contract agreements with my signature to show that these are my actual debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
PHH Mortgage via their representative are stating multiple different things while charging for insurance they've admitted to the CFPB isn't necessary, but lied about the date the policies were cancelled.

Attached is documentation showing that they've been supplied the insurance documents prior to the commencement of the TPP and failed to update the information in their system despite claiming to " review '' the matter. It took me personally uploading it on a third-party website, which evidence is attached, to show that I had insurance going back nearly a year ago - and have never been without insurance. In fact, as the information shows, they had MULTIPLE policies on my property. 

On XX/XX/XXXX they stated " The breakdown of the trial payment is Principal and Interest : {$2100.00} and Escrow : XXXX. The account will be escrowed for the taxes and insurance both even you pay your own taxes and insurance per investor guidelines. If you would like to send a copy of your homeowners insurance policy to us to ensure that we have the correct policy on file you can. If the trial plan is successful and a permanent modification is entered into, the foreclosure judgment will be vacated and the foreclosure dismissed. '' As they indicated - they are stating that the investor is requiring forced place insurance. 

They claimed they sent the policy to be updated - they did not. As the attached images show - it was in fact NOT cancelled and was active throughout the month and doesn't " cancel '' until XX/XX/2021. 

They also are violating my religious tax exemption. My XXXX, XXXX XXXX, reached an agreement with the Treasurer in XX/XX/2021, which is shown by release of tax liens and debt. 

All parties for PHH, including counsel, are acting in bad faith. PHH own website shows the payment listed as {$3100.00} - another different amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/2021 we contacted Chime.com concerning an account which was fraudulently opened in our name. While we attempted to contact them via the phone number on the card received, there was no way to resolve the issue over the phone since their whole system is automated messages. Ultimately we had to send an email to chime.com about the identity theft. 

Upon contacting Chime via email and explaining that we did NOT apply for a card/account and that it was identity fraud, the Chime representative insisted that we email a copy of our state ID/license along with the last 4 number of our social security number. Now mind you, email is NOT secure and we already informed them that it was a fraudulent account. Asking us to send such documentation via insecure email is not only terrible customer service, but a very high-risk method to send sensitive data. Given the fact someone had already opened an unauthorized account, we refused to provide the data they requested since they don't provide any secure means to do so. 

After several emails back and forth they finally stated they locked the credit card so that it could not be used. However right after that statement they said " If you have any additional questions or would like to formally close the account please respond to this email so we can assist you further ''. 

It seems impossible to get this company to acknowledge that the account was opened fraudulently. Currently the account is still there, but they locked the card. This makes no sense and it should not be this hard for a consumer to protect their credit. Chime has made it practically impossible to report credit card fraud where other banking intuitions have secure methods and are very prompt to assist when it comes to fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please note that I have made 2 attempts to resolve this issue. ETransUnion is reporting inaccurate information ( addresses ) on my credit file and a few UNVERIFIED Accounts.

I've written multiple letters demanding these unverified information removed.

They claim this information came from the a third party company ( XXXX  ). I have checked with XXXX  / XXXX XXXX and they both do not have these UNVERIFIED ACCOUNTS on their files. Even after all of this they keep telling me that the information is verified but they have NOT provided proof by way of documentations such as contract agreements with my signature to show that these are my actual debts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
im filing this complaint because I have been a victim of identity theft. I am a protected consumer and would like your assistance in removing misleading information from my credit report at it is ruining my reputation. 

attached is my identity theft report, along with supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I sent verification letters to all three bureaus and never received a response. The original letters were dated XX/XX/2021. Today is XX/XX/2021. This far exceeds any 30-45- or 60 day window the bureaus could have. The FCRA Clearly States that if the disputes are not addressed in a timely fashion ( typically 30 days ) the inaccurate items must be removed.

Please instruct the bureaus to remove the accounts at once based on the laws. Particularly FCRA 15 US Code 1681i. It's unfair practice and hurting my ability to lead a normal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Keynote Consulting, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is a leasing organization in the XXXX area who I had an apartment leased from. Per XXXX rental code they were legally obligated to attempt and release my unit at a fair market value when I left the premises, I was to pay the rent until they did that. The company never made any attempt at mitigation, and spent months arguing with me instead of trying to release it, even after I asked for communication to stop ; which in the city of XXXX eliminates their ability to collect debt. The organization was sent a cease and desist letter from a lawyer outlining they were not able to collect this date. They immediately after sold the debt to Keynote Consulting. This is an illegal debt, and XXXX investigation did not eliminate the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

2. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Automated Collection Services, Inc.
State: NY

Complaint narrative:
In XX/XX/ I made a payment arrangement for {$55.00} after telling the representative at ACSI ( XXXX ) I could not pay at this time. 
While she tried to be helpful we came to an agreement that was for that amount and to call back in XXXX to continue that arrangement. 

The story changed in XXXX when I spoke to her and I was told my account would be sold to another agency, that I could now only pay over {$100.00} because I had agreed to pay the remaining large amount. That amount being over {$500.00} for a cell phone issue that was not even supposed to be reported to them yet. I already know that collections tell you things to get the money but I was so misinformed about the hardship ending in XXXX in the way she relayed the story. 

I promptly returned that call assuming we would continue that said {$55.00}, During covid and hardship troubles I was NOT told to my remembrance that the hardship was ONLY for 3 months! This was very troubling to now hear this. 

As her and her supervisor did not offer that option they were adamant they mentioned I could not have another hardship and they would not even look into it. It took me so much time to even get her supervisor as she aggressively would not transfer me. They both lacked empathy, used very aggressive voices and continuously spoke over me repeating the same price they now said I needed to pay. While I truly want to make payments I was baffled by their aggression over my account! They were far from kind. 

I was then told they were reporting me to the credit bureau and they would write refusal to PAY! 

This was a horrendous experience and I was so happy with my budget to get the arrangement.

Company response to consumer: Closed with explanation