vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
This is a follow up to my initial complaint about Convergent Outsourcing. I actually spoke with a representative today regarding the account that is in accurately reporting on my current report. Upon speaking with the representative she gave me information on two separate accounts they have in their office - One is from a XXXX XXXX XXXX  address and is from an alleged debt, dating from XXXX and the other is XXXX XXXX XXXX ( XXXX ) The representative stated that they sent a final bill to my home as validation, which in fact is not proof a debt. I explained to her that I was actually a victim of fraud in the past as well and neither of the debts belong to me. On top of it, the statute of limitations for debt collection has run out on the one debt that they are trying to collect ( XXXX ). 

I would appreciate it if these debts are removed from my credit report as a copy of a final bill is not validation and not proof that the debt is mine and that they can collect the debt, along with the fact that the debt is over 9 years old.

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 2019-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CONTINUE TO ADD THIS ACCOUNT THAT IS NOT MINE TO MY CREDIT FILE AND EVEN AFTER SUBMITTING MY FTC REPORT AND LETTER ( SEE ATTACHED DOCUMENTS ) THEY CONTINUE TO SWITCH UP DEBT COLLECTION COMPANIES TO PUT THESE ON MY CREDIT FILE. AN I HAVE REALLY HAD ENOUGH OF THE TRICKERY AND SCARE TACTICS THAT THEY ARE USING. XXXX HAS NOT REMOVED/BLOCKED/DELETED THE LISTED ACCOUNTS FROM MY CREDIT FILE XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX. TRANSUNION HAS NOT REMOVED/DELETED/BLOCKED- 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 2019-01-09 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: TX

Complaint narrative:
XXXX XXXX  XXXX Installment Equifax XX/XX/XXXX - {$38.00} {$190.00} XX/XX/XXXX CHARGE-OFF {$250.00} this information is incorrect i have already filed a dispute with the XXXX XXXX, and they have already updated their records and the other two credit companies XXXX and XXXX  have already updated my reports yet equifax has old out dated information, same thing with ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX XXXX XXXX Revolving BUREAU DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$300.00} - {$150.00} XX/XX/XXXX CHARGE-OFF {$150.00} Individual this account is also out of date this account is not past due it is charged off but the amount past due is not correct there should not be any past due

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
continuation of complaint-XXXX-XXXX. To date this issue has not been solved. five yrs ago a court issued a directive on the acct of my mother, XXXX XXXX. JP MORGANCHASE has issued one demand after another which have been complied with-on XX/XX/18 chks were supposedly sent out-to wrong address. instead of just sending them to correct address nmore forms more demands. we had to notorize documents to stop payment on chks yet yesterday Chase finally admitted they had chks. so why more forms??? just to delay paying out acct-delay delay delay and we have XXXX State Senator XXXX XXXX helping us and weve reached out to US Senatpor XXXX XXXX.Seems incredible that this is still dragging on. no matter what we do there are always more demands bringing ever more delays.As they are speaking to us at Chase_XXXX-they chg the demands. as my brother told her yesterday the goal post chgs we speak but we are supposed to just keep compling. we need help desperately. this has gone on almost 5 yrs-with a court order-will it go on 5 yrs more??? my brother and i cant believe how inhumane and inhuman we have been treated-both of us feel sick medically and XXXX. pls help us resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I'm a XXXX that was abroad as and internship ; this card app did not accepted my payments from abroad and there was no way possible to apply payments or contact them from the country I was ; also as the balance went into red, they disable the app and i just couldn't get any more info about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: TX

Complaint narrative:
I received a Notice of Collection dated XX/XX/XXXX from PennCredit Corporation regarding Creditor : XXXX XXXX XXXX  ( ID # XXXX ) in the amt. of {$240.00} for a " delinquent utility bill '' - Service date : XX/XX/XXXX Account : XXXX. This debt is not mine and this company has violated my FDCPA and FCRA rights : # 1 - I have not lived in MD, nor had an account with XXXX XXXX since I moved to another state over 11 yrs ago. 
# 2 - I have not owed property in MD since I sold my townhome almost 5 yrs  ago. 
# 3 - Finally, PennCredit 's website indicates they report to the Credit Agencies and is a member of XXXX, thus creating a potential long term impact on my credit score. 

I do not know if PennCredit Corp. " Skip Searched '' me themselves or if they outsourced to a Third Party with equally poor quality standards but this type of shoddy work should not be tolerated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I have been an AMEX card holder for a long time. I was emailed an offer to upgrade to the XXXX XXXX credit card for {$450.00}. As part of the terms, it said I would get XXXX points with a {$4000.00} spend in the first 3 months. I spent that and didn't get the points so I called in and was told it would be on my next statement. My next statement came and went and I called again. This time I was told I was never eligible and the person who told me I was getting the points was wrong. 

I would have never upgraded if I had not been victim to this " bait and switch '' This is an illegal practice and I want my {$450.00} refunded immediately and my card closed. 

I sent them a mediation request 2 months ago and have not heard one work back. AMEX has to have THE worst customer service in the world and just lost a long time customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
Hi, I see an unauthorized charge on my credit card. 

It is regarding following transaction on my american express card : XX/XX/XXXX XXXX XXXX XXXX Foreign Spending XXXX ( XXXX ) DOING BUSINESS AS XXXX PROCESSED ON XX/XX/XXXX REFERENCE NUMBER XXXX Looks like some transport company in New York , American express is not able to provide exact details about the merchant. 

This dispute is of a billing error in the amount of [ {$380.00} ( XXXX INR ) ] on my account. The amount is inaccurate and seems like a fraud because I never authorized this charge, Could you please help investigating this matter and help me regarding the steps I need to follow to make the culprits pay for it. 

I have already raised concerns the same time I got a message of this charge to American Express. 
Need help to fight this dispute with the merchant as this is illegal transaction. 


I will attach the document I received from American Express regarding the prrof I asked for the transaction, it is a document generated by American Express and not a document from the Merchant as a proof of transaction. 

Thank you very much for any help you can provide to resolve this issue and stop such frauds by merchants and the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have student loans through Navient, I believe they are federal student loans although I am not positive. It is proving impossible to get any information from the company. When I first started working after college in XXXX / XXXX I reached out to Navient to discuss payment options. They put me in an income repayment plan that was described to me as having a low monthly payment made up of both principal and interest. At the end of each year I notice that my balance has not been reduced. Looking a the monthly payments they are almost exclusivity made up of interest payments, taking nothing off of the principal balance. Whenever I reach out to Navient for information on the plan or to discus the other payment options available to me I get bounced around from person to person. No one can provide me with a clear answer and no one can explain the principal to interest ratio of my payments. They are misleading and unhelpful, you can not even find an account statement online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Have been trying to get a short sale done since XX/XX/2018. Ive gotten three contracts/offers on the property, and the mortgage company has been negligent in processing the sale each time. They continue to ignore me and my realtor, and have passed us around to more than a dozen different people, making it impossible to complete the transactions. Ive lost two potential buyers due to their incompetence. And each offer has gotten lower and lower. I was laid off from my job on XX/XX/18, and really would like to get the short sale done. CIT bank is the worst!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
XX/XX/2019 XXXX in the XXXX, I called my mortgage company, Carrington Mortgage and made an escrow information request which was denied. 
I spoke to XXXX who denied the request and then to her boss, XXXX, who also denied it. Saying there was a " moratorium '' on escrow amount requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
I received a summons from Business and Professional collections services in XXXX. 
- I called a few days later to discuss the debit. 
- I wasn't sure about the debt so I sent a " debt validation letter '' on XX/XX/XXXX. 
- I revived an itemized reply on XX/XX/XXXX - I called to settle the debt on XX/XX/XXXX, After some back and forth they offered to settle for {$830.00} and they wouldn't charge me ( filing and court fees ). I  asked for a few days to get paid and " check my finances ''. I used that time to contact the original hospital ( XXXX XXXX ) to  confirm that Business and Professional collections acutely controlled the debt. 
- When I called back on XX/XX/XXXX I was informed they has rushed out just after our call to get a " judgement ''. So now they want $ 200+ more! Once I wanted to settle in full they rushed out and increased the debt by 25 % to get more money!!! 

I feel there negotiations where not in good faith ; They created an artificial timeline and once they saw an opportunity they rushed to increase the amount they get paid. If you look at reviews of this place it seems this is a common business practice for 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 2019-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am currently working with my fathers attorney applying for Medicaid because my father and mother are both in a nursing home. I am the Trustee of my fathers Trust and I am his Power of Attorney. The beginning of XX/XX/XXXX I contacted Capital One to close a 360 Savings Account. I was told that I needed to send them the Power of Attorney documents. I sent them on XX/XX/XXXX. Since that time I have called and called and the response is that department is backed up - we are going on 60 days to close an empty account. The account has a XXXX  balance - I just need it closed. 

Talking to a supervisor is useless they know nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
This was a bill generated after they couldn't collect thru my health insurance ; I've asked for more details on this invoice and never got it, also they never provided and specific date or treatment done and cost billed to insurance, as my insurance was valid and covering any treatments at the time. 
Also if it was a deductible, they never specified it in the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WESTERN CONTROL SERVICES, INC.
State: CO

Complaint narrative:
I hired a lawyer to help me get custody of my daughter. He guaranteed that he could get this done but he didn't. I realize that the results shouldn't have been guarenteed but he didn't do any of the things he said he was going to do but yet i kept being billed. I went to court once for my daughter but he charged me as if i had gone to court 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed XXXX, Tran Union and XXXX  showed Chapter XXXX Bankruptcy that I find to be problemat. 

I contact XXXX XXXX records and asked them to take action to get this Bankruptcy removed from their records and to erase any public record with all credit reporting agencies. They assured me they do not report any Bankruptcy to any of three agencies.Whatever steps necessary to resolve the issue, but I wanted to contact XXXX XXXX records well, just to make sure this gets done. I have confirm that three agencies use a third party like XXXX to do there investigation. All three agencies has incorrect information and they need to full investigation. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,

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 2019-01-09 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: TX

Complaint narrative:
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed XXXX, XXXX XXXX and Experian showed Chapter XXXX Bankruptcy that I find to be problemat. 

I contact XXXX XXXX records and asked them to take action to get this Bankruptcy removed from their records and to erase any public record with all credit reporting agencies. They assured me they do not report any Bankruptcy to any of three agencies.Whatever steps necessary to resolve the issue, but I wanted to contact XXXX XXXX records well, just to make sure this gets done. I have confirm that three agencies use a third party like XXXX to do there investigation. All three agencies has incorrect information and they need to full investigation. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,

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 2019-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
I paid a collection with XXXX and now i have a collection on my credit report from a different company for the something that i already paid. I've tried to remove the item from my credit report but not had success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
This is a rebuttal to a complaint I filed with CFPB that was closed, # XXXX. 

Navient falsely claimed in its explanation that my forbearance in XX/XX/XXXX was back-dated to XX/XX/XXXX. 

That information is incorrect. 

According to the email I attached, forbearance was approved on XX/XX/XXXX. Meaning the account was already in forbearance through XX/XX/XXXX. 

Navient is falsely claiming payment is late, though a forbearance was approved in XX/XX/XXXX. And forbearance are usually for 6 months. 

The forbearance request approved in XX/XX/XXXX was scheduled to begin on XX/XX/XXXX. 

I also included a copy of the letter Navient sent to me when I inquired about the credit reporting. Whereby Navient stayed my account is not in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2018 I made a deposit of XXXX $ to pay my rent. Capital one ATM had an error and returned my card but not my money I made a claim and was deny due to me having no funds I couldnt get a lawyer to get the footage of the atm I was there around XXXX-XXXX in the atm I put the claim inside with the banker. But after a few days I get a denial letter because I wasnt seen in the bank : ( this cause so mich fees for me and the bank just laughed at me and said they didnt take care of them I recently found out about this and I dont wish this on no one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am just amazed that 3 credit bureaus all at once managed to do the opposite of what I requested. I asked for an investigation of items on my reports, none were done. I requested no fraud alerts, fraud alerts were added without my permission ... Can someone tell me why after providing the enclosed required documents to identify myself, the credit bureaus claim not to receive it ...? Why no investigations have been started after more than 30 days. This is a blatant violation of FCRA regulation ...

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 2019-01-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am just amazed that 3 credit bureaus all at once managed to do the opposite of what I requested. I asked for an investigation of items on my reports, none were done. I requested no fraud alerts, fraud alerts were added without my permission ... Can someone tell me why after providing the enclosed required documents to identify myself, the credit bureaus claim not to receive it ...? Why no investigations have been started after more than 30 days. This is a blatant violation of FCRA regulation ...

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