vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I received a notice in the mail yesterday, 7/31/19, from a debt collection company called Convergent. They stated I owed my former XXXX office, XXXX XXXX XXXX, XXXX. I have not been to them in 2 years. I immediately called XXXX XXXX. They have no record of me owing that much or that anything on my account was sent to collections. I researched Convergent, who for all intents and purposes, look like a legitimate debt collection agency. I called them to settle the matter. It took over an hour for me to get through to the correct department. When I finally spoke to a rep named XXXX, he was very hostile from the start. They have this collection dated for my last appointment 2 years ago. Convergent says my debt was sold by XXXX XXXX to a company called XXXX and Convergent is trying to collect my debt on behalf of XXXX. Despite this, they could not give me contact information for XXXX. I reported this debt as fraud to them and tried to call XXXX XXXX back but they were closed for the day. I then called my previous health insurance company to check what my last claim for XXXX XXXX was. They said that I had a copay and a deductible which, again, were not anywhere near the amount Convergent is trying to collect. When I got through to XXXX XXXX the next morning, they told me the amounts that they had on file for my last payments. Those amounts did not match the XXXX at all and they were marked as paid. They said they don't deal with either of those companies for debt collection. They deal with XXXX  XXXX XXXX and gave me the number. XXXX XXXX  XXXX  says they have no record of any debt I owed on file and they do not buy or sell debt. When I contacted Convergent again, I was bounced around until I finally landed with a woman named XXXX. She said the account has been marked as fraudulent and they will contact me after they look into it. I don't understand how you can "buy debt" and have no way of tracing it back to its original source to verify if it is true or not! My credit and my sanity are taking a hit because of a XXXX debt that no one has any record of!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.. Please remove XXXX XXXX XXXX  XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
When I originally opened my Children's Place credit card I added an authorized user for the SOLE purpose for the authorized user to be able to go into the store and make purchases on my behalf without me being there. There was no disclosure online nor when I verified my identity and that I requested an authorized user with a live representative that MY account would report on this person's credit report. I first messaged them online via the secured message center last year in 2018 to request for the authorized user to be removed from my account. I was told someone would contact me... I was never contacted. I called customer service in April/May of this year to make the same request. I was told by the customer service rep that he could not complete my request and that it was sent to his supervisor and they would be in contact with me. I was never contacted. I sent another message on 5/22/2019 explaining this, and also requesting for the authorized user to be removed immediately from my account. I was told to call into customer service. I've made several attempts the past year to have this resolved, no one will assist. The authorized user is just that, an AUTHORIZED USER. His credit & personal information was not used as a factor to issue me credit nor was he a co-borrower on the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 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: CA

Complaint narrative:
The following accounts were on my credit report as Charge off with balance : XXXX XXXX  XXXX XXXX, XXXX XXXX CARD SER.. .. the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.. Please remove 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 2019-08-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.. Please remove 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 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a XXXX XXXX veteran and my families only income is from VA XXXX and Social security XXXX.  I fell behind due to XXXX   and applied for mortgage assistance.  Bank of America just denied me onXX/XX/2019 for the reason of: "Unable to verify income"?  How hard is it to look at my VA award letter and Social security letter and two bank statements showing the deposits circled.  This is a violation of the Fair Housing Act discriminating against and not allowing XXXX income to be used in the review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Since XX/XX/XXXX to XX/XX/XXXX (19 months) I had a recurring payment of $XXXX monthly without my consent and acknowledgement on my daughter's checking card. Transunion plus subscription service has been charging me for months without proper notice to customer. I also do not have any record or even active account with Transunion plus that I have agreed for this service. I contacted the company regarding this matter and they said only thing they can do is to cancel the subscription but no refund because I must have agreed to subscription however upon researching, it seems that they have done this to many others without proper notice (They trick you into their service). I have never given them my daughter's checking card number to begin with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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:
The following accounts were on my credit report as Charge off with balance : XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX.. .. the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: CA

Complaint narrative:
The following accounts were on my credit report as Charge off with balance : XXXX XXXX XXXX XXXX, XXXX XXXX CARD SER.. .. the payment history of late payments are completely inaccurate, and lacking.. I paid the account in full, no balance ... Date of last activity is also not correct. So many errors! CFPB step up and remove this listing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My card information has been hacked. I got a solicitation purporting to be from Capital One requesting me to give them a new card number as my old card number had been declined by XXXX XXXX. I have never I am sure donated to this charity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: VA

Complaint narrative:
On XX/XX/2019 I tried to place a Security Freeze on my credit account on-line with Experian. Every time I tried to place the freeze on my account I received a message telling me that Experian could not process the freeze based on the info I provided and instructed me to send in a bunch of info, which is difficult since I am out of town. Using the same information provided to Experian I was able to easily get freezes on my accounts with XXXX and XXXX XXXX. 
Trying to contact Experian on-line is impossible as Experian does not give out any electronic address one can use to file a complaint or ask questions. 
Because of the XXXX XXXX breach that surfaced the other day, I am concerned that some of my information may have been compromised. That is the reason I wanted to freeze my account. 
I have tried to tell Experian I will hold Experian personally responsible for any damages I incur as a result of their dilatory action in placing a security freeze on my account. When calling Experian, the first question the computer asks is for ones SSN, which I am not comfortable giving out over an unsecured line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
My condo was paid off. I did a cash out refinance in the amount of {$220000.00} through Loan Depot online. The loan funded yesterdayXX/XX/2019. {$38000.00} of the loan was to be paid directly to my bank to pay off an auto loan the person I originally spoke lead me to believe that it would be wired directly to them. The remaining amount was to be wired to my bank account. The loan funded yesterday but the money isn't in my bank, nor has the {$38000.00} been paid on my auto loan. The loan process person told me that the wire transfer could take up to 72 hours and that they are mailing me a check for the auto loan that I then have to bring to the bank to pay off my car. I was told that I will be paying interest on all of that money as of yesterday XXXX/XXXX even though it could be days before the wire transfer happens and possibly a lot longer to receive the check for the auto loan since that's being mailed. How is it legal for me to be charged interest on money I have not received. When a loan funds and a person starts paying on the money they should have the money they are now paying for. They also told me they'd be paying my bank directly for the auto loan payoff, otherwise I might as well paid them once the wire transfer was done. So I'm also paying interest on the auto loan loan that should have been paid off yesterday, now I have to wait for a check to come in the mail. This is XXXX. I don't know if the 72 hours is working days or not, but my guess is that it probably is. if so that would mean I'll be paying interest over the weekend for money I haven't received. It's a wire transfer why it wasn't done when the loan funded is beyond me. They had all the info way in advance of the loan funding. They are basically making money on money they still have, nice scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I attempted to apply for employment and was denied due to 2 Chapter XXXX Bankruptcies that is somehow reporting on my credit report that should not be as I have never filed a Chapter XXXX Bankruptcy. 

Chapter XXXX bankruptcy - Dated Filed XX/XX/XXXX Chapter XXXX bankruptcy - Date Filed XX/XX/XXXX I have 2 Chapter XXXX Bankruptcy 's that is appearing on my credit report. I have never filed a Chapter XXXX Bankruptcy. I went to the US Bankruptcy Court House at XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX and spoke to a clerk and she indicated that she didn't see a bankruptcy and they wouldn't have reported a bankruptcy to the credit bureaus. I have send 4 letters to all 2 bureaus ( Experian and XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and they have not still responded to my letters as to where they got this information from and why they reported some inaccurate information. Please assist me in this manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Focus Holding Company
State: TX

Complaint narrative:
I XXXX XXXX just recently checked my XXXX credit report and discovered a new collection that I have no knowledge of whatsoever.From a company named XXXX with a parent company of Focus Receivables Management. No account number is listed. Neither of which I have ever had an account with or done business with. So then why are they trying to collect an alleged debt from me? Also I was NEVER sent any communication at all from this company about this debt, my right to dispute it within 30 days.Nor any sort of validation on the account. And if so I am requesting to be shown these documents with dates and to what address they were sent because I believe that they weren't. Clear violations of FDCRA.I am submitting:  1.  a screenshot of the entry on my XXXX  credit report.                            2. copy of cease and desist letter sent to them back on XX/XX/2019. They were going by the name XXXX XXXX  XXXX then. Same account number and same alleged original XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Repeated calls from XXXX several times a day. 

Found it was Citibank, but I do not have an account with 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 2019-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/2019, I was able to reach a settlement with Capital One Finance after my account charged off. I was given the option to break up the amount of settlement up in 6 payments. I've made 4 of those payments. In XXXX, my mom passed and I called Cap One to see if I could hold off on making the payment until XXXX. I was immediately told no we can't do that.. figure out a way to pay. So I decided to sell the vehicle. I called for a payoff of the settlement on XX/XX/XXXX. The rep stated that she could not send anything and to call back the next day. I called back with the dealer for a payoff letter only to be told that they can't guarantee the amount because a payment was supposed to be made the day before, something the rep never said. I called back later and spoke with another rep who also said that there was nothing he could do so I requested that my call be escalated. That rep only faxed a payment history but it did not have a running balance nor the remaining amount. I found an option to get Cap One paid and have got nothing but the run around. I realize that the account charged off and I am responsible for the outcome but if we come to an agreement about the amount and they refuse to at least assist in getting them the money that was agreed upon, why make the process so hard. I find it very perplexing that now since I am trying to sell the vehicle to get them the money they won't assist in getting me the documents to do just that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX/XXXX   XXXX, XXXX  XXXX XXXX XXXX XXXX and 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 2019-08-01 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Remove the following erroneous information on the following accounts : 1. ) XXXX XXXX XXXX XXXX - not 30 days late on XXXX and XX/XX/XXXX 2. ) XXXX  XXXX - not 30, or 60 or even 90 days late on XXXX, XXXX, XXXX consecutively. this is not true 3. ) XXXX XXXX XXXX - I am not late on the month it shows on the report 4. ) XXXX  XXXX - not late 30 days on XX/XX/XXXX, this is incorrect These accounts were not delinquent on the specific months mentioned on my credit report.. Reverse the late payments, fix the accounts they were not delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX,XXXX/XXXX  XXXX,XXXX  XXXX  (Original Creditor: XXXX) 3XXXX,XXXX XXXX XXXX andXXXX 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 non-monetary relief