vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I had been a XXXX customer for years, however When I notified them that I was moving, and attempted to have the account transferred I was told that the area I was moving to was not serviced. I returned all equipment via USP office. 

I moved in late XXXX. Following the move I received a bill for equipment not returned as well as service ending. I called and spoke with a CSR, proved my equipment was returned and was told that all charges would be forgiven if I requested that my service be moved again. The Equipment charges were removed from my account. Unfortunately the service charges remained and I continued to receive collection calls. I called again, was sent thru phone purgatory, and yet again was told this had been resolved. 

I notified them properly I was told charges were resolved twice. 
I was notified that XXXX added a complaint on my credit report. 
This claim is not valid, should not be on my account, I was told twice by XXXX that it was resolved. I would like this removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
In early XXXX I called XXXX because I wanted to close my account and unlock my and my husband 's phones so they could be used with our new carrier. 

I spoke to several agents online, and they informed me that there was a {$480.00} balance that had to be paid first before they unlocked our phones. I paid the balance right then, as I was talking to them in an online chat, and they confirmed my account was now {$0.00} and that it would take 24 hours to unlock our phones and they would be unlocked and ready to use with a new SIM card the next day. 

I SPECIFICALLY verified with them that both my and my husband 's phones would be unlocked and ready to go, and someone claiming to be a supervisor confirmed. 

The next day, neither phone was unlocked, so I engaged with them again. This time they SPECIFICALLY confirmed that my account balance was {$0.00} and that my account was canceled. This was in chat, so they should have a transcript. They apologized profusely, and since I needed my phone for work, they this time successfully unlocked it. 

The problem was that they did not unlock my husband 's phone, even though I specifically asked whether the account was closed for both phones and so I had to engage with them again. But during that conversation, they once again confirmed that I paid everything that needed to be paid. 

In none of those conversations was anything mentioned about an extra balance, or even the possibility of us owing any more money. They SPECIFICALLY confirmed in conversation 2 of 3 that my balance was {$0.00}. Then they began sending emails demanding {$360.00}. I called to find out what was going on and why they were claiming I had a balance even though they confirmed there was no balance, the account was closed, and that no more money was owed without informing me of any kind of possibility of extra charges. The person I spoke with said they would raise the issue with their supervisor. I thought that was the last I would hear from them. But they continued sending emails and then they got a collection agency involved, which is now impacting my stellar credit score. 

I contacted Convergent, which is apparently the collection company XXXX is using . They asked for my side of the story, then within days said, " Nope, you lose. Pay XXXX. '' I have had zero insight into what kind of information they used to determine that I owe XXXX anything further, and there has been zero transparency into the process.

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 2021-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX one was put in my Bankruptcy XXXX  but is still on my credit report Experian XXXX XXXX and XXXX it report that I owe {$370.00} I need this removed from my credit report ASAP

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 2021-11-01 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: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
SMITH ROUCHON has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
This company is very unethical and is the payday lender of credit card issuers. They have repeatedly reported late payments on my credit report and add ridiculous fees making it impossible to pay them off. Their website is often down also and therefore if you can not make a payment due to it being down, they will report you to the bureaus again and again. Also I've made payments and not received proper credit for them. For example I made a {$200.00} payment last week that I still did not receive credit for. They have severely impacted my credit. I need to be able to refinance my house and use proceeds to pay medical bills but because of their high fees and bad credit reporting they are making it very difficult to do so. Please remove the negative late payments with all 3 credit bureaus. 

Prior to getting this card I should have read reviews because they have done the same thing to several other customers. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I went into the forebearance program and am trying to come out of the program, but wells fargo has screwed everything up. They sent a loan for me to sign for the forebearance but the loan has my ex-wife on it. I sent the divorce decree multiple times to wells fargo but they have not fixed it. They threaten to foreclose on me, but have not given me a chance to sign for the forebearance and continue back on my loan. They have said it is my fault, and there is nothing I can do to fix the problem. I have tried to call, but they always hang up on me.

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 2021-11-01 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2019 XXXX  XXXX XXXX XXXX was closed due to the COVID 19 pandemic flu virus I was not able to pay may bills I dispute it but no action is being done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I requested a PPP loan. In so doing, I represented that I had payroll and 1099 documents supporting a loan request because at the time I specified my loan request, I understood that 1099 payments were also the basis for a forgivable PPP loan. I was given money that was based on the documents I was asked for and provided correctly. In asking for documents and approving a loan based on documents that did qualify and then disallowing the rules and regulations to protect my loan and rights, Bank of America operated in a fraudulent and negligent manner. 

BofA did not act in good faith. It did not perform a good faith review of the calculations or of the uploaded payroll documents. If it had, it would not have issued an unforgivable loan based on uploaded 1099s rather than uploaded payroll payments.

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 2021-11-01 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: IN

Complaint narrative:
Violation of bankruptcy laws- XXXX XXXX XXXX continued to report the loan while in bankruptcy, then after the discharge- of which the loan was included- they began reporting the loan as a charge off and continue reporting it each month impacting my credit. I will be filing suit against them for violation of FDCPA and Bankruptcy laws

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 2021-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I have made numerous dispute complaintns via credit bureaus to the company but it has been fruitless. having trying for XXXX XXXX XXXX oroginal creditor was SW CRDT SYS the date open they have it as XX/XX/XXXX but that is not correct they updated the date it was opened late XXXX begining XXXX the reason for the charges was a piece of equipment that is attached to the tv dish in the roof, they told me I need to go up in the roof and removed the parts with is in the center of the tv dish I told them I have back issues and cant expose myself like that and if they can send a technician to remove the part they told me they check but never heard anything from them anymore until it show up in my credit report in XX/XX/XXXX about a year and half later since then I wrote numerous dispute in the creedit bureaus to try and get it remove but they blocking me. 

ACCOUNT NUMBER XXXX HIGHEST BALANCE {$230.00} CREDITOR INFO SW CRDT SYS XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX LAST REPORTED XX/XX/XXXX ORIGINAL CREDITOR XXXX XXXX XXXX  RESPONSIBILITY Individual ACCOUNT DISPUTED No ACCOUNT CONDITION Derogatory REMARKS Account information disputed by consumer, meets FCRA requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: FL

Complaint narrative:
On XX/XX/21 Experian was sent a correspondent with written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) to remove accounts and late payments from my consumer report which was received on XX/XX/21. Experian failed to follow my specific written instructions when it came to my consumer report. Ive called several times to have the items removed and was not successful. On XX/XX/21 I sent Experian a notarized Affidavit of Truth in Support of Criminal Support explaining the violations they committed they received that correspondent on XX/XX/21. I also attached my consumer report and labeled 12 adverse items pursuant to 15 U.S. Code 1681c ( a ) ( 5 ) that should have been excluded from my consumer report. I have not received and update on the written instructions that was provided to Experian nor did I receive and update on the adverse items that should have been excluded from my consumer 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 non-monetary relief
Consumer complaint received 2021-11-01 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: LEXISNEXIS
State: TN

Complaint narrative:
I have sent 2 dispute letters over to Lexis Nexis to have them remove a bankruptcy from my report and they have not responded and have completely ignored my request to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: NC

Complaint narrative:
I have been a victim of identity theft for several years now I've made police reports and sent them in to all credit bureaus to no avail Experian is still reporting this item on my credit report as mine and it isn't time and time again to get this matter resolved and nothing is happening this item is ripping my credit apart its hard for me to get housing getting loans for my children 's college loan I have been steadfast in paying all my bills on time and Experian is not reporting my payments and my credit score has not increased at all this item needs to come off my credit report the company name is XXXX/XXXX DATE OPEN : XX/XX/2019 BALANCE XXXX thank you in advance for all of your help on my behalf 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 2021-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I believe they are calling regarding a utility bill which I am paying directly to the utility company in payments as I cant afford them. When they called I have asked them to stop calling, then when I answer they hang up in my face. 
Calls are as follows 2021 : XX/XX/XXXX XXXX XXXX I answer and they hung up XX/XX/XXXX XXXX XXXX told them to stop calling XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I asked them to stop calling XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I asked them to stop calling XX/XX/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 2021-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
My name is XXXX XXXX. When I was married and lived in XXXX my then wife took out a title loan  without my permission or signature. We have since divorced and the vehicle was awarded to me in the divorce. The loan was not paid off and I still have the truck. I have been trying to get Titlemax to give me the title out right or let me offer them a reasonable amount to secure the title. The loan was for {$5000.00} yet they charged {$20000.00} in interest. We paid about {$3000.00} towards the loan before the divorce. I just found out that titleMax was in a class action lawsuit in XXXX that ruled in the favor of the consumers yet I can't seem to get any information from TitleMax to assist me in either the class action lawsuit or getting my title without paying them {$20000.00} for a XXXX XXXX XXXX. Depending on who I speak to when I call I am not given any information because I am not listed on the loan ; they say they can't talk to me. They can clearer see that I am a co-owner on the title but they still won't help me. Can you please help me get some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
Hello, I have CashApp for rewards to two charity thrift stores. When I looked Under my account it stated your account is closed. There is no phone number the support number to send email messages. I sent a minimum of eight emails in In Wy my CashApp was closed. Im looking at I noticed distributed by XX/XX/XXXX.Information they would give me was that it was a service that was violated no further details provided. I explained to them that Ive been stolen and close. I contacted XXXX XXXX  and ask them if there had been any transaction that has been sent money and then reversed. They said they were sending me a copy of the transactions that occurred while my possession. I later got correspondence stating that they would not give me information that they will give it to my bank. I went to my local XXXX XXXX  and asked for these emails Regarding transactions to be emailed to me that is going to happen this week. However refuses to Provide any help with any information about anything that went on even though this is my account and none of my rewards which are not associated with XXXX college are posting. I had heardThat there is a tremendous amount of fraud That occurs with cash app with CashApp. This is owned by The company squared out of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
we have tried to short sell our home but two times we could NOT find suitable housing. Now we are under contract again and the lender is not allowing the short sale nor will they do a deed in lieu of foreclosure. WE HAVE a rental now and would like to take the clause out that we will find suitable housing on the current sales contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
We qualified for a hardship program due to COVID. We are now ready to pay and have been approved for a reset and restart. I applied and was approved the paperwork never came, I called and they said that I went online and updated to still in hardship, I did not. I then reapplied and was approved for the reset and restart and again no paperwork came. I called on XX/XX/XXXX and the rep said that I again went online and updated my status to continue my forebearance. AGAIN I did no such thing, I need my paperwork so I can resume paying my mortgage. I nor my wife has done anything online, and when I ask for details they are unable to provide them. Flagstar is not being honest about their process and what the root cause of this issue is. We are not going online to do anything or modify anything, our forebearance is done on XX/XX/2021 and I have been asking for the paperwork after being approved since XX/XX/2021. This means I have been unable to resume payments, the agreement states I make reset payment upon reciept of new contract, and also that I have been charged interest while this whole thing is taking way longer that expected. I have actively tried and been approved to resolve my hardship and Flagstar is refusing to let me do it.

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 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX Capital one Bank USA account is closed due to the COVID 19 pandemic flu virus i was not able to pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Yes This Not Me So, You Need Verify the Your Incorrect Information .Please Contact me thur CFPB, I Will Attach Incorrect Information letter from XXXX XXXX XXXX and I have enclosed a copy of my driver 's license and utility bill as proof of identity.

Company response to consumer: Closed with explanation