vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I received a letter from Convergent dated XX/XX/XXXX Indicating that I had an outstanding XXXX XXXX XXXX debt of nearly {$8000.00} going back to XXXX of XXXX. I responded that this is not my debt. I have never dealt with XXXX XXXX, nor with The XXXX XXXX. 
I then received a letter from Convergent dated XX/XX/XXXX asking me to complete a notarized affidavit outlining all of my personal and private information. This affidavit boldly stated on each page not to notify the FTC or any other government agency. 
I called them to tell them I would not offer any personal or private information and that I would file a complaint with the FTC. I also indicated that I would consider having the information reviewed by my lawyer. 
I believe this to be a scam.

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 2022-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/XXXX, you provided a response to my complaint XXXX ( attached ) wherein you stated that {$27000.00} was returned to XXXX on XX/XX/XXXX. 

That is a lie. After more than three weeks, the funds have not appeared in my XXXX account. I called Capital One customer service, and fraud protection several times and even obtained trace number : XXXX for the transaction. 

Today, Capital One fraud protection informed me that the {$27000.00} transfer never actually happened. She said I should call back in 3-5 business days and perhaps more info would be available then!!!!!! 

You've been lying to me for almost 3 months, and now you lied to the Government. 

Whoever accessed my XXXX account and transferred the {$27000.00} into the Capital One account ( the thief ), had control of that money for about XXXX minutes on XX/XX/XXXX, and then walked away empty handed. 

On XX/XX/XXXX, Capital One knew exactly who the stolen {$27000.00} belonged to, and where it was stolen from, yet here we are almost three months later. You still haven't returned the stolen money, lying to everyone, including the Government, even providing phony trace numbers to substantiate your lies. 

Who's the real thief?!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-03-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 90 days late as of XXXX XXXX 120 days late as of XXXX & XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. This is only on XXXX, other bureaus dont report this.

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 2022-03-03 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: KY

Complaint narrative:
On XX/XX/XXXX I opened the Verizon Credit Card through Synchrony bank. The reason I opened this account was because I was promised I would receive {$200.00} dollars if I spent {$500.00} dollars using this card within one month which I did. I have been waiting to receive the credit and I have not received anything. Today, XX/XX/XXXX I called Synchrony bank twice and the first time the representative transferred my phone call to XXXX saying that they would be able to help me, but she also gave me a phone number that I tried calling and who know what that place is. The phone number she gave me was XXXX I called again after realizing that that was not a working phone number for Verizon credit card and the next agent told me that Synchrony bank does not deal with promotions like that and that I had to call Verizon phone directly. So, I called Verizon and the representative told me that the ones who deal with promotions are Synchrony bank. 
So, I just decided to contact you to receive help because now nobody is willing to help me when its time to pay. 
They record all the phone calls. Pull up the recorded calls.

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 2022-03-03 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: PA

Complaint narrative:
Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Balance : {$0.00}

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 2022-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
I have been trying to dispute this company off my credit report for years. Account was opened after my identification was stolen in 2019 this debit came about months after.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On Wednesday XX/XX/2022 I reached out to Wells Fargo for some answers as to a strange change of address on my account. I was first made aware of this issue when my wife ( Joint owner of account ) tried unsuccessfully to utilize her debit card to " pay at the pump '' As I reviewed my statements on line ( which is the way I manage my accounts ) I noticed a XXXX Fl. Address displayed as my home address, which prompted the call to Wells Fargo. I waited 15 mins for a rep to answer and was greeted by XXXX after my wait. Much to my surprise and agreement they required numerous ways to validate that I was indeed the owner of the account. From SS # 's, Bank Account # 's, Text messages to my with verification number and even validating addresses ( That they have wrong ) my inquire was two fold. 1 ) How did they acquire the XXXX Address 2 ) Why is a XXXX XXXX account still open and they continue to charge me. 
The answer that I received was not acceptable and the rep 's lack of customer service when unable to provide the information, is apparently Wells Fargo 's new business model. ( Total lack of any service ) The address that they are reflecting, again has never been resided in by me nor my wife. XXXX XXXX XXXX XXXX XXXX, Fl. XXXX. I need the correct information as to how this address was changed. Wells felt that they could tell me the Post Office did it, this is not acceptable as I can track that data and it is not correct. Nor did we have any other loss of mail. I want clarity and transparency from my bank!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-03 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: TX

Complaint narrative:
I was a victim of identity fraud. 
Below is the account I disputed. 

Because this account is not mine I would like it deleted off my report. Fcra violation. 

XXXX BXXXXk 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 2022-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
I have been with FedLoan Servicing in the PSLF program for five years, and have worked in public service for 15 years. In XX/XX/XXXX I consolidated my federal loans. Additionally, I made a FOIA request for all my loan payments because I didn't think my payment were being counted correctly by FedLoan. My payment history showed that I made payments while my loans were in an in-school deferment/forbearance status and in administrative forbearance status. In order to get credit for these payments I submitted a deferment/forbearance waiver request in XXXX XXXX. I spoke with a representative from Fedloan today who told me my waiver was processed, but the waiver is only good for existing loans which now are my consolidated loans and not any of the loans I made payments to while my loans were in deferment/forbearance status. There is no information about this anywhere on the Fedloan site, or on the waiver request form, or with the consolidation request. The PSLF waiver program was a godsend for those of us who have committed ourselves to public service with more student loan debt than when we graduated thanks to all the interest on federal loans and have been paying for years into the wrong payment plan. This deferment/forbearance waiver is one more hurdle to jump if you made payments while in deferment/forbearance or unknowingly were in administrative forbearance. It is very deceptive that so little information is available and that all the potential pitfalls of consolidation are not laid out for the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03 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: PA

Complaint narrative:
I have been reaching out to Experian asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Attention : Mail Stop XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX RE : Loan # XXXX To Whom It May Concern : I am disappointed in the unethical practices I have witnessed regarding my loan, # XXXX. I suffered Covid hardship due to the long rent moratorium imposed in New York state. 

On XX/XX/XXXX, you wrote me a letter stating I was eligible for a modification lowering my interest rate to 2.875 % and the payment, {$730.00}. 

On XX/XX/XXXX, you wrote me a letter stating I was eligible for a loan modification lowering my interest rate to 2.875 %, and the payment, {$750.00}. 

On XX/XX/XXXX, you wrote me a letter stating I was eligible for a loan modification lowering my interest rate to 3.125 %, and the payment, {$780.00}. 

On XX/XX/XXXX, you sent me a mortgage statement with a payment due on XX/XX/XXXX, with the interest rate jumping to 6.875 % and the payment increasing to {$1000.00}. 

When I called Santander Bank on XX/XX/XXXX to question why the payment increased your representative replied reading a written statement there was a difference in taxes and insurances. When I questioned her that would not increase my payment that much, what increased the payment was you increased the interest rate to 6.875 % which raised the payment, she hung up on me. Is this the policy you advise your representatives when the customer catches you almost tripled the interest rate? 

I have paid every reduced payment you requested in the loan modification and am XXXX month ahead. You intentionally failed to send me a formal contract reflecting the 2.875 % rate and lowered payment even though I met your requirements. Instead, you chose to ignore the proposal you offered and ignore the fact I made the payments timely and increase the interest rate to 6.875 %. 

You leave me no choice to report your unethical, fraudulent practices. 
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 2022-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account XXXX XXXX ACCOUNT NUMBER # XXXX has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C SECTION 604 A section 2. It also states a credit reporting agency can not furnish a account without my written instructions.

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 2022-03-03 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:
In accordance with the fair credit reporting act XXXX  Account XXXX XXXX ACCOUNT NUMBER # XXXX has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C SECTION 604 A section 2. It also states a credit reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have been contacted multiple times by phone and us mail from a company called portfolio recovery. i have no idea what the account is for. i have asked them via us mail and email to please verify the information and they have not. I have been denied credit and a place to live because they reported to all 3 credit bureaus that i owe them {$410.00} and I do not. They refuse to verify this information. I have no idea what this account is for so I asked them to please verify with the below : 1. a signed application by me agreeing to any contract with portfolio recovery associates llc 2. a signed application by me agreeing to a credit card with XXXX XXXX XXXXXXXX 3. a complete itemization of all charges, including purchases along with the interest rate 4. the complete account number with XXXX XXXX XXXX 5. the age of the debt 6. portfolio recovery associates llc associates license number 7. portfolio recovery associates proof of ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Im accordance with the Fair Credit Reporting Act XXXX account # XXXX violated my rights. 

15 U.S.C 1681 Section 602 A, states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2, also states that consumer reporting agencies can not furnish a account without my written instructions.

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 2022-03-03 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: FL

Complaint narrative:
I already sent few rounds of dispute about them. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: CA

Complaint narrative:
TransUnion added a collection account, XXXX XXXX XXXX, to my credit file and reduced my credit score and creditworthiness substantially. First, this collection account was added to my credit file with out my knowledge meaning I was never contacted by XXXX XXXX XXXX, Second, this account is being reported as a collection account with a past due balance. Collection accounts by definition is past due, and should not have a past due balance. Last, XXXX XXXX XXXX, has stated they are unable to find an account that matches my name and address. Therefore, Trans Union is reporting in accurate information on my credit file.

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 2022-03-03 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: PA

Complaint narrative:
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX XX/XX/2021

Company response to consumer: Closed with explanation