vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I have received two collection notices from Convergent Outsourcing , Inc. - attempting to collect a debt or debts. 
Each notice is for {$410.00} ( so, total of {$820.00} ). The creditor listed in both cases is XXXX XXXX XXXX. It looks like the debt was originated on XXXX XX/XX/2021. 
This is not my debt. I have never bought a XXXX product and do not owe these two debts.

I'm assuming that this is the result of some identity theft..

I have a call into Convergent

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 2021-09-20 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: GA

Complaint narrative:
I noticed multiple inquiries on my report that I do not recognize

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 2021-09-20 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: DISCOVER BANK
State: TX

Complaint narrative:
I have typed letters to each Bureau indicating my name and address ; also unknown Inquiries on my credit report. This was information I provided was back in XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My XXXX XXXX VISA card was transferred to Bacalys bank. I never received my new Barclays XXXX MasterCard in the mail. I tried calling Barclays customer service at XXXX but was unable to speak with a Customer Relationship Agent. I called several times and was put on hold for 45 minutes each time. I fear my new credit card is lost and it will be used by an unauthorized person. I have not activated the card as I have not received it. My account ends in 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 2021-09-20 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: GA

Complaint narrative:
I noticed multiple inquiries on my report that I do not recognize

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 2021-09-20 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: GA

Complaint narrative:
I noticed multiple inquiries on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XX/XX/2021, we submitted a complaint ( complaint ID ends in XXXX ) because Navient Solutions , LLC has not accounted for several years of payments. We show we've over paid the amount due by more than {$1000.00}, and they still claim we owe more than {$10000.00}. We've since received one notification through CFPB that they're looking into the claim and second that they need more time. Yet 28 days later, Navient hasn't responded to this inquiry and they continue to make harassing calls and sending letters threatening financial and legal actions. The full payment history is available on the website and only took me about 2 hours to reconcile. It shouldn't take this long to add fees and interest charges to the principle and then subtract the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have typed letters to each Bureau indicating my name and address ; also unknown Inquiries on my credit report. This was information I provided was back in XX/XX/2021 2021

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 2021-09-20 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: Carvana Group, LLC
State: TX

Complaint narrative:
I have typed letters to each Bureau indicating my name and address ; also unknown Inquiries on my credit report. This was information I provided was back in XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
My mortgage payment for XXXX is missing. I did not identify my mortgage account number on the XX/XX/2021 check. I have the canceled check paid to the mortgage company. The check identifies the moneys were paid but the mortgage company have not posted the moneys to my account. I have not received any communication regarding the check written to my mortgage company-NONE. 
I have reported this incident to the mortgage company several times via. They said they would elevate the issue to their missing payment department. I have submitted via fax and emailed cancelled check, cash info. letter and bank statement to support that the mortgage company cashed my check to the missing payment dept. as advised by my mortgage company. Days weeks months go by I follow up with the mortgage company, they respond like I havent done anything no responses to the faxes or emails this has been going on since XX/XX/2021. In XXXX I go to the bank thats identified receiving the mortgage payment check and they advised me to request HELP from CFPB. Please please help me get my mortgage account out of default.

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 2021-09-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XXXX I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Dear Sir, Madam, I would like to report a bank account that is involved in a crime organization that is supporting online scam. 
I have been a victim and I have paid money to the owner of your bank account. I have reported this scam to the Crime police department and Federal Trade Commission. 
Can you report the owner of this bank account to the police as well so there will not be more victims? This group pretended to be XXXX XXXX XXXX and I made tota XXXX eur payaments to different bank accounts to save the luggage of a guy who claimed to be a XXXX XXXX in XXXX XXXX XXXX XXXX XXXX ). 


I am sending proof of payment. 

Paid XXXX, amount XXXX eur. Bank Wells Fargo, XXXX XXXX XXXX, XXXX : 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 2021-09-20 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: TN

Complaint narrative:
Remove unauthorized, possibly fraud hard inquiry, XXXX via XXXX. I did NOT authorize this inquiry. I have filed a FTC complaint, provided affidavit and now filing a CFPB complaint. This unauthorized hard inquiry should be removed immediately.

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 2021-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I understood that Wells Fargo would stop the repeated problem with my name and multiple addresses and identity theft, but I was wrong. I have spent 100+ hours trying to get WFC to fix their problem. Last week I thought it was over, but I continue to eventually receive mail, with my name, that goes to an address where I never lived. I have tried, since 2014! It was my understanding that accepting the $ would finally stop the Wells Fargo HARASSMENT. It has not. I have worked with XXXX ( she is great ) and she thinks it is a problem at the retail store level. I went to the retail store and the issue was " escalated. '' But the problems continue. I do not have any accounts with Well Fargo and do not want any mailings, especially going to the wrong address. I refused to give the branch a copy of my drivers license. BTW, the branch Manager did a good job in trying to help and it certainly is not his fault. In addition to the mail from Wells Fargo, last evening, I received a text from Wells Fargo Card Services about " suspicious transactions '' about my debit card that I do not have??? Very few have this phone number but once I gave it to the local WF Branch, now it appears to be compromised.

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 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
{$550.00} XX/XX/XXXX {$200.00} XX/XX/XXXX I have requested this company to send copies of Agreement with your client that authorizes you to collect on this alleged debt.

Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

They have not reached back out to me within 30 days. Therefore these debts are indeed invalid and inaccurate. please remove and delete this immediately. A copy of my FTC will be attahed.

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 2021-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
WAYFAIR MUST UPDATE MY NEW ADDRESS ON THE CARD AND ALL BUREAUS TO REFLECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MO

Complaint narrative:
PNC has violated my consumer rights. PNC has violated the FDIC. PNC has charged my account overdraft fees for transactions that have not posted and has stated that transactions have posted before and after deposits have been made. PNC has refused to reverse the charges. 

PNC is violating multiple federal laws by even charging " overdraft fees '' and ATM fees. 

I am prepared to forward this complaint to the Missouri Attorney General. 

I have already placed a complaint with the FTC under ID # XXXX for fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
My coinbase account has been locked for weeks. They say that it is under review and that in a few days it will be ready, but they have been that way for a long time. I have money stored in that account and I can not withdraw it due to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC
State: FL

Complaint narrative:
I received a letter from Allied Interstate, LLC stating that I had a conversation with them about an alleged debt owed. I have not spoken to anyone from this this firm and I believe this debt to be a fraudulent debt.

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 2021-09-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: FL

Complaint narrative:
This is a complaint against timeshare XXXX  XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.

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 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
I've held Banco Popular 's XXXX XXXX Visa Card for a couple years. My annual fee for the upcoming year posted recently and I decided I no longer wanted the card.

Called to cancel the card and have the annual fee reversed since it is for the upcoming year ( XXXX ) and Banco Popular refused to credit me for the annual fee even though I am no longer holding the card ( it has been canceled. ) The annual fee posted on XX/XX/XXXX and the card was canceled several days after that. Further to this, Banco Popular is now charging me interest on the fee. 

Upon further inspection, I am not sure that Banco Popular has honored my request to cancel the card -- it appears to still be open on the online portal even though they confirmed to me over the phone that they had canceled the card.

Company response to consumer: Closed with monetary relief