vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was offered a short term loan via email communication. 
I've dealt with them before, so took the loan. The monthly repayment was {$100.00}. My first payment was due in XXXX, which I made a double payment prior to the due date and was given a new due date of XX/XX/XXXX for my next payment. In between the time the double payment was made in XXXX and before XXXX, they reported me delinquent to the credit bureau. I immediately attempted to contact them by phone, but you are NEVER able to connect to a live person, they tell you to email or send a response thru their website. I tried multiple times and each prompt disconnects you and doesn't allow you to speak with a person. I emailed them 3 times : XX/XX/XXXX by email, XX/XX/XXXX on their website and again on XXXX as I have received no response to any communication I made with them. Additionally, I emailed to rescind my authorization for any automatic deductions for payment from my checking account, To date, not one response to any email or communication from them. I also disputed this with the credit bureau, but they continue to clear my dispute and list me as delinquent. I should not have been reported delinquent as per my online account, it stated my next payment date was XX/XX/XXXX - I assumed since I made a double payment at the end of XXXX, that was a true next due date. 
This company will not return a call to me, respond to my email requests to discuss, absolutely no response. I need assistance in getting this resolved.

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 2022-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I have been in contact with Convergent Outsourcing several times regarding an account XXXX XXXX XXXX submitted to them with my son 's information but my social. I have sent all asked for documentation proving that this is not my account I never lived at the service address and my XXXX XXXX XXXX account number is different from his. I sent evidence that my account was in good standing. I sent a credit report and a lease agreement etc. I call and they say that you are still waiting to hear back from XXXX XXXX XXXX well it's been almost three months and I am getting the same story from them doing nothing but still reporting this inaccurate information to the credit bureaus. Also, note they have not called me or currently trying to collect on this debt they just keep reporting this in accurate information. THIS IS NOT MY ACCOUNT. I gave you my son 's information which you did not have I have been completely transparent and accommodating but that stops today because I have been getting the run around. Convergent Outsourcing is knowingly reporting false information.

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 2022-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Events in order below : XXXX I put {$2100.00} into my venmo account. 
XXXX I used my venmo debit card to .are a payment online for {$650.00}. 
XXXX tried to transfer money from my venmo account to my partner for bills that I owed her. 
XXXX I receive an email from venmo that my account is frozen as are my funds ( {$1400.00} ). Venmo is requesting I send them a picture of my ID. 
XXXX send them a picture of my ID immediately. No confirmation email or reply ( still, XXXX days later ). 
XXXX reach out to chat support and they tell me a " account specialist will need to review my ID for further confirmation and my funds are being held ''. 
XXXX -I email asking for update - no reply XXXX I call and email asking for update - no reply to email, call says they will ping the account team, but the rep can't do anything to help. 
XX/XX/11 - email again asking for an update -no reply. 

I have bills to pay, rent to pay, utility bill is overdue and I need access to my funds that have been frozen with no reason or explenation?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12 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: MI

Complaint narrative:
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

A copy of this COMPLAINT with CFPB as well as copies of the 10 written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite 10 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 


XXXX XXXXXXXX XXXX XXXXXXXX A copy of my credit report is attached. ( Review highlighted sections on report )

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 2022-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Stephen Einstein & Associates, P.C.
State: NY

Complaint narrative:
I am responding to your contact about an alleged debt you are trying to collect. You contacted me by mail 3 times since my cease and desist, letter. XX/XX/XXXX and XXXX and again in XXXX of 2022 without providing proof of this fraud account and alleged debt you proceeded to send me a copy of a bill and that was your proof of identifying the debt as mines is by sending me a computer printout of a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I paid my credit card in full to make my credit limit fully available. No where on the payment screen or in the terms and condition did it say they would hold the availability of my funds for 14 days. I told them I have proof the payment successfully process on my bank account and still the company didnt want to make my credit limit available to me. The only other option available was closing the account. The reason for my complaint is this is a deceptive practice to put the consumers back against the wall to close out their card. How is it the only option you can offer is to close my card? Have I not been a loyal customer, paid annual fees for years? Now when its convenient to you the company, you want to force me out by not making my credit available after Ive paid in full? I smell foul play and this is not a good practice to have in place with your customers. This needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: AR

Complaint narrative:
I took a loan forbearance due to Covid. I applied for assistance through the Arkansas Homeowners Assistance fund. I was approved in XX/XX/XXXX for funding. It took months and numerous contacts for the mortgage servicer to locate the form authorizing a wire transfer. Funding of {$16000.00} was wired on XX/XX/XXXX. It took weeks of calls and contacts for the servicer to " find '' the funding. The funding was posted on XX/XX/XXXX and did not start getting applied until XX/XX/XXXX. I have made numerous requests to have " fees '' now totaling {$260.00}, explained to me as well as a review of my escrow account. I have tried to figure it out by way of their website to no avail and got no response from the servicer. The mortgage payment amount they claim due is not accurate. By my calculations, tax {$860.00}, Insurance {$2100.00}, MIP {$120.00} for a total of {$3100.00} divided by 12 equals monthly escrow of XXXX plus P & I {$410.00} equals a monthly payment of {$670.00}. The application of the assistance funds is posted out of order and includes unapplied funds. No clarification of this has been provided by the servicer despite repeated requests to do so. I have another complaint, XXXX regarding credit reporting that I have been trying to get resolved since XXXX. They continue report inaccuratly and verify the information as accurate.

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 2022-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Action Collection Service
State: WA

Complaint narrative:
Received letter XX/XX/2022 in the mail with name of company clearly printed on envelope stating they were a collection agency. Per the fdcpa, this is implying the presence of a debt with anyone besides the debtor. This is a violation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account numbers XXXX and XXXX, have both 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 : It also states a consumer reporting agency can not furnish an 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 2022-03-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account numbers XXXX and XXXX, have both 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Volunteer Mortgage Loan Servicing
State: TN

Complaint narrative:
XX/XX/22 recd notice of escrow shortage. Research to see what that means... Fine OK. I attempted to pay online as normal by paying both mortgage payments as well as the full shortage in one lump sum so my monthly payment would not increase. Can't do it online, As they have already applied the increase to my mortgage in 12 payments even though I hadn't even received the notice yet. No Way to pay the mortgage payment and the regular monthly payment as it is locked in to the increased payment now. I called XXXX says oh yeah you can do it online, so I tried again. No you can not change it. 2nd call female I'm happy to apply those payments correctly for you for {$5.00} fee. Last time I checked this is a government agency paid for by my tax dollars, you gon na charge me to fix your error? Repeatedly tried to Speak with a Supervisor but Reps place you on hold and never return. They are also increasing my payment by $ 22 monthly not {$15.00} as stated on the paperwork. This is borderline fraud. I have reported them before for Shady accounting practices, but no One ever does anything. All I want is to get it paid correctly so I don't have to call 14 times after they misapply it online. This is not rocket science, it is customer service and should not be a fee attached to That.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, Convergent account # XXXX, Has 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 : It also states a consumer reporting agency can not furnish an account or accounts without written instructions or authorization.

15 U.S.C 166b A Creditor may not treat a payment or payments on a credit card account under an open and consumer credit plan as late for any reason. 

XXXX. ( XXXX XXXX Bank ) Address-XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRY DATE- XX/XX/XXXX XXXX. ( XXXX XXXX XXXX XXXX  ADDRESS- po box XXXX XXXX NJ XXXX COMPANY # ( XXXX INQUIRY DATE- XX/XX/XXXX XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX COMPANY # ( XXXX ) INQUIRY DATE- XX/XX/XXXX XXXX. ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX IA XXXX INQUIRY DATE- XX/XX/XXXX XXXX. ( XXXX  CARD XXXX ADDRESS- XXXX XXXX XXXX XXXX XXXX DE XXXX COMPANY # ( XXXX ) XXXX INQUIRY DATE- XX/XX/XXXX XXXX. ( XXXX FXXXX XXXX XXXX  OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX : XXXX ACCOUNT # 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 2022-03-12 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: FL

Complaint narrative:
ITEM IN DISPUTE : XXXX XXXX XXXX DISPUTE REASON : Accuracy The balance and/or past due amount are/is incorrect. 
This account is too old to be on my credit report. 
CONTACT INFORMATION XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 2022-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
I wished to make a wire transfer of funds from my Citibank account to a XXXX XXXX I had already wire transferred the same amount to the same bank on XXXX XX/XX/XXXX. I tried and failed to use the Citibank automated system to make this transfer on XX/XX/XXXX and XXXX. I called Citibank on XX/XX/XXXX and XXXX and for several hours tried to make the transfer. Failing, I asked to speak to the manager. I explained the problem to him. He had no suggestions. We tried the way we tried before and I was connected to a wrong number and cut off. I called again and failed again. This is why I am writing now. Everything works perfectly in the transfer until I am asked to identify myself by entering a code number sent by Citibank. I have a cell phone registered with Citibank, but the code never comes over the cell. I have a phone which does ring but the code never comes over. When I call Citi I am connected to an automated system, but the code almost never comes over. When it does and I enter it, I always get the answer " we are having technical problems, please try later. '' I have been making this sort of transfer for years using Citi ; sometimes it takes more than one try, but I've never had a problem like this. I hope you will ask Citi to review their overseas wire transfers system, and especially with XXXX. Thank you.

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 2022-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I was approved for a loan on XX/XX/XXXX. They sent me an email asking me to upload my ID and utility bill. I followed the directions. I hadnt heard back from them, and I noticed it was taking a while, so I called them in the middle of XXXX. The woman on the phone asked me about a confirmation code, which I could not find ( I am not sure if I received one and/or recorded it ). She said she had an alternative method for me to upload the documents. She explained it to me. I uploaded a new bill and ID. I recorded the confirmation number. 
I called on the evening of XX/XX/XXXX but didnt get through. Then I called again the next day. The woman I talked to said my application was closed because it was more than 30 days old at this point. I explained that I did exactly what I was supposed to do, and in fact, I did it twice. She said that the other representative should have made sure I got a reference number ( different from a confirmation number and given by a representative ) so they could attach my documents to the file. It was a Friday when I called, so that wouldnt be done right away, and unfortunately the paperwork wasnt put together on time, she explained. I asked to speak to a supervisor. The woman said that she would say the same thing, but I asked anyway. I explained the situation. The supervisor said she would escalate it, and have a senior lender take this into consideration. Two days later, I received a letter dated XX/XX/XXXX stating that I was denied. 
I called and spoke to a man who said he would have to put me through to sales. The woman I spoke with said I was denied because the credit check was more than 30 days old. My issue is that I sent in the paperwork in a timely fashion, and I was approved, only to be denied due to their negligence. Here are the confirmations for the second upload on XX/XX/XXXX : ID 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 2022-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Im sick of this. This is causing me so much stress and anxiety! My XXXX XXXX is shooting through the roof! Lets just take this to court! I just wrote a very lengthy message here and it did not saved it. Explaining me to contact the ale departments at chase bank that have lost my money to my creditors! Im getting voicemails on XXXX when they are not supposed to be working! Its a game to them. My utilities are going to be cut off! Being out on hold for hours. Calls being disconnected. Managers blowing me off. On-site bankers, managers, and presidents not doing anything about it. Just stating that they have a language barrier with their own fraud and online departments. Dropping my calls back into the customer service line, being hung up on multiple times when asked if I could hold while they connect me or get more information! Chase is purposely not wanting to take any responsibility for my account being hacked into and money lost that was taken out of my account to go to my creditors. They never received being told they will need to take additional money from me! Me paying my creditors twice with my own money due to chase not taking any responsibility! It has caused so much stress and XXXX XXXX! I am also XXXX I cant take it anymore! They all have been very unprofessional rude! And blowing this whole situation off! I need someone to help me make Chase bank accountable for their whole lack of responsibility and actions. Calling me on XXXX when I was told the executives dont work nor are they supposed to work on XXXX! So why are youll calling me with bogus unprofessional voicemails on a Saturday! THIS IS MY SECOND COMPLAINT! DUE TO THEM WASTING TIME AND BEING UNPROFESSIONAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12 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: FL

Complaint narrative:
ITEM IN DISPUTE : XXXX XXXX XXXX DISPUTE REASON : Accuracy The balance and/or past due amount are/is incorrect. 
This account is too old to be on my credit report. 
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 2022-03-12 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: FL

Complaint narrative:
ITEM IN DISPUTE : XXXX XXXX XXXX DISPUTE REASON : Accuracy The balance and/or past due amount are/is incorrect. 
This account is too old to be on my credit report. 
CONTACT INFORMATION XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation