vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I got a notice from my loan services stating that I had been entered into an in school l deferment program till year XXXX  in which Im currently not in school also with added interest which that mean the correct balance is not showing on credit report nor proper status of loan

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 2020-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I opened up a loan of {$13000.00} on XX/XX/2019. The company was www.upstart.com - and they made me sign a promissory note which is attached. 

The purpose of the loan was to consolidate debt to one loan, and then pay the loan off fast. This co is not letting me pay off the loan. In the second month, I phoned them and asked if I could pay if off early with no penalties. The agent on the phone said yes. 

Recently I started to look at how much interest I have paid, and it is much more than they should have received. If I phone the company they will not explain the interest to me in basic terms. They say it is " compounded daily '' although the pro-misery note attached says it is simple interest. 

I requested to speak to a supervisor who put in a " complaint '' - it wasn't a complaint, rather I am pointing out their accounting errors to them. I have attached their response also. 

It seems, they take what ever they want, whenever I pay extra. Some times, they put 100 % of my payment towards interest. Again, no one at the company can explain the interest charges to me. 

If you look in XXXX of 2019, I paid {$1000.00} to them, and of that, {$530.00} went to interest. I would never agree to this. 

In XXXX I paid {$600.00} and {$250.00} went to Interest. The payments are inconsistent and completely random -

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
THIS IS NOT A REPORT OF IDENTITY THEFT XXXX  has ignored ALL previous attempts citing that the use of Law verbatim, formatting, and font implies that my dispute communication is from some other party than myself. This is very frustrating, I am attempting to purchase a home. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX - Account : XXXX Creditor : XXXX   - Account : XXXX Creditor : XXXX XXXX XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX XXXX - Account : XXXX Creditor : XXXX - Account : XXXX Creditor : XXXX XXXX   Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX. XXXX, XXXX - Account : XXXX Creditor : XXXX XXXX - Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2020-05-30 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: KY

Complaint narrative:
THIS IS NOT A REPORT OF IDENTITY THEFT XXXX  has ignored ALL previous attempts citing that the use of Law verbatim, formatting, and font implies that my dispute communication is from some other party than myself. This is very frustrating, I am attempting to purchase a home. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX - Account : XXXX Creditor : XXXX   - Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX XXXX XXXX  XXXX  - Account : XXXX Creditor : XXXX - Account : XXXX Creditor : XXXX  - Account : XXXX Creditor : XXXX XXXX XXXX - Account : XXXX Creditor : XXXX XXXX, XXXX - Account : XXXX Creditor : XXXX XXXX - Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I'm having a problem connecting my bank account with XXXX an app which allows me to receive advances every now and then. I've even using this service that XXXX provides for quite some time and now that connection has been severed for whatever reason. I absolutely have no problem with this app being connected to my bank account and yet it has been disconnected without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: LA

Complaint narrative:
okay first things first.. I XXXX XXXX have applied for my unemployment COVID-19 BENIFITS ON THE XX/XX/XXXX OF THIS MONTH ALSO, I DID MY CLAIM FOR THE FOLLOWING WEEK GUESS IT DIDNT GO THRU OR ME NOT SUBMITTING THE CLAIM AFTER ALL WAS DONE ... .. I WAS DISCHARGED FROM XXXX LA XXXX HOSPITAL ON FRIDAY XX/XX/2020 AT XXXX ... MY STAY THERE WAS 4 DAYS ... MY PHONE HAS BEEN DISCONNECTED SO I DONT HAVE ACCEST TO A PHONE ALL THE TIME ... .. ALSO I REQUESTED A PREPAID GOVERMENT CARD AND STILL HAVENT RECIEVED IT .... I DONT KNOW WHY I AM DISQUILIFIED FOR BENIFITS ... I HAVE BEEN APPLING FOR JOBS AND ALSO IM IN NEED OF MY BIRTHDAY CERTIFICE SOCIAL SECERITY AND MY PERSONAL IDEFICATION CARD ( ID ) .... PLEASE TO WHOM THIS CONSERNES I AM ALMOST HOMELESS WITH NO WHERE TO GO AND IN NEED FOR MY BENIFITS ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
This company has yet to address the issues of XXXX XXXX located XXXX XXXX XXXX XXXX, PA XXXX. They sold me a lemon, rusted out car ( due to water damage ), that was a previous rental, with numerous accidents and they claimed I knew it was in that condition. iHAVE REQUESTED DOCUMENTION FROM XXXX XXXX AND THEY HAVE FAILED TO RESPOND. I sent my documents to XXXX XXXX XXXX  XXXX of Consumer Portfolio Services. This information was told to me from my mechanic when I took it to get inspected when I was having problems. I have yet to see reparations. I have been harassed by numerous employees at Consumer Portfolio due to this. 

My second issue is that they are alerting the credit bureaus that I had 9 late payments and that is false. I have never been more than 30 or 60 days late. In addition I had made a payment arrangement for an incident when I had XXXX. Inform the credit reports of the correct information as I wasn't late as it stated on my credit report. Lastly, My balance is wrong. I have been paying XXXX dollars a month for 35 months which totals XXXX. That is what I paid. I have all my receipts showing proof of payment totaling to that amount. Consumer Portfolio services are purposely submitting false information as retaliation to the continuing issue listed above. Which is against the Law. I will not stop writing emails or making complaints about this company until everything is correct and I get what is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I had a bankruptcy over 10 years ago. During the tough times of past recession years, I struggled but managed to keep my home. I have kept my mortgage payments current and would like to refinance to a lower interest rate. I am having problems qualifying because my mortgage company PHH Mortgage Services, formerly OCWEN refuses to report my payment history to the 3 major credit bureaus ; other lenders have told me without that information on my credit report, they will not consider refinancing my loan. 

I am stuck in a situation where I can not lower my current interest rate or get an equity loan to make many vital repairs. My home is old and desperately in need major of work. I have a decent income from a stable organization and a small amount of savings. 

Please assist me and others that are trapped in this dilemma even though we have moved on and are diligently trying to keep moving forward. 

Your assistance would be much appreciated. 

Sincerely, Homeowner on the rebound

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
transunion is suppressing my credit card data from XXXX XXXX XXXX XXXX XXXX visa card. i had XXXX reach out over a month ago to find out what is happening. XXXX told me that transunion was suppressing the data that XXXX visa submits to them. XXXX told me they woud find out why from transunion. i asked XXXX again today if they heard anything and to try again. i dont know if anything is being resolved. i cant resolve this directly through transunion website because it is not giving me that option to dispute anything. it says click on ( new investigation ) tab but it is not showing on the website. hard to request investigation without the website allowing it, so i am going through this route. transunion should be reporting my visa card. not reporting it is harming my credit. it has 12 years of on time payment history. why are they supressing it. please do not suppress 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 2020-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Netspend Corporation
State: AZ

Complaint narrative:
XXXX XXXX XXXX account is locked and unable to add or withdraw money. Customer service is unable to assist with this issue. I have talked to many managers since Tuesday XX/XX/2020. When calling the support number in the mobile wallet app, it connects you to NETSPEND. NETSPEND is not familiar with the XXXX XXXX XXXX account or mobile wallet. 
When you call XXXX they will tell you they can only help with there physical products like tvs and phones.

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 2020-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I've been receiving repeated calls from a call center ( Convergent Usa : www.convergentusa.com ) that uses multiple numbers to get around spam filters. When I pick up the phone, there is no sound until I make a noise, and then I am forwarded to their call center where they pick up and automatically know my name. They demand that I confirm my name and provide information confirming who I am. They will not tell me what the call is about, how they got my number, or what their company does. I have asked for their business license to confirm that they are who they say that they are, but they won't give it to me. They say it's company policy not to give any information until they have confirmed my identity. Now, I'm trying to pay a debt to XXXX. When I call XXXX their phone tree connects me to an unknown number that someone picks up and says " this is the wrong number, call XXXX ''. So I do that, and I end up back at the call center that's been calling me. I've talked to a supervisor and informed him that it's against the law to call for debt collection and not state you are a debt collector before any communication. Yet XXXX XXXX, the supervisor I talked to said he still will not provide any information about his company. So my question is how can I pay my debt if I can not confirm that this company is legitimate? It's a direct violation of the Fair Debt Collection Act if indeed they are trying to collect a debt XXXX XXXX XXXX  XXXX : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 

Of course, Convergent USA did not confirm with me what their company does, but their supposed website does have a payment portal, which indicates to me that debt collection is something that they likely do. XXXX XXXX also offered to take my number off of Convergent 's call list still without informing me what he was calling about. If this really is an attempt to collect a debt, I would want to know before you remove me from the list! How can I even pay my debt if this is the company that has it and they won't identify themselves?? Very very shady.

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 2020-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
Received a " convenience check from HSBC BANK. Wrote the check to myself for {$2300.00} and deposited it in my credit union account at XXXX XXXX XXXX XXXX XXXX WA. state ) on XX/XX/2020. Money appeared in my account. On or about XX/XX/2020 received a letter from XXXX stating that the check was dishonored due to account ( HSBC Account which the check was drawn on ) being " Frozen/blocked ''. Money was taken out of my account in XXXX, the {$2300.00}. 

HSBC still says I owe them the {$2300.00} although that money was taken of of my account as the check was dishonored. I have called HSBC on four occasions with no real help in resolving the matter. I have written several letters to HSBC which were sent certified return receipt and have received no response. I keep paying the minimum payment in order to avoid HSBC reporting to credit agencies that I was not paying and thus having an adverse effect on my credit rating. 

I am so frustrated with HSBC. This is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 CAPITAL ONE MEMBER FEE Fee ... XXXX {$59.00} charged On XX/XX/2019 I was charged a PAST DUE FEE Fee ... XXXX of {$25.00} At the time my I had a XXXX balance and no interest fees for new purchases. 

I contacted Capitol One for late fee removal as the fees applied see for the annual fee and as I had a zero purchases on the care was unaware of the charge. 

Capitol one did not provide a reminder of the annual fee I contacted capitol one, over the phone they agreed to waive the fees and credit my account they did not credit my account and remove the late payment fee As a result my credit score had been negatively affected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had a bankruptcy over 10 years ago. During the tough times of past recession years, I struggled but managed to keep my home. I have kept my mortgage payments current and would like to refinance to a lower interest rate. I am having problems qualifying because my mortgage company XXXX XXXX XXXX, formerly XXXX refuses to report my payment history to the 3 major credit bureaus ; other lenders have told me without that information on my credit report, they will not consider refinancing my loan. 

I am stuck in a situation where I can not lower my current interest rate or get an equity loan to make many vital repairs. My home is old and desperately in need major of work. I have a decent income from a stable organization and a small amount of savings. 

Please assist me and others that are trapped in this dilemma even though we have moved on and are diligently trying to keep moving forward. 

Your assistance would be much appreciated. 

Sincerely, Homeowner on the rebound

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 2020-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a bankruptcy over 10 years ago. During the tough times of past recession years, I struggled but managed to keep my home. I have kept my mortgage payments current and would like to refinance to a lower interest rate. I am having problems qualifying because my mortgage company XXXX XXXX XXXX, formerly XXXX refuses to report my payment history to the 3 major credit bureaus ; other lenders have told me without that information on my credit report, they will not consider refinancing my loan. 

I am stuck in a situation where I can not lower my current interest rate or get an equity loan to make many vital repairs. My home is old and desperately in need major of work. I have a decent income from a stable organization and a small amount of savings. 

Please assist me and others that are trapped in this dilemma even though we have moved on and are diligently trying to keep moving forward. 

Your assistance would be much appreciated. 

Sincerely, Homeowner on the rebound

Company response to consumer: Closed with explanation