vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Im not sure if I am complaining to the appropriate entity. However I am getting nowhere with the XXXX ( XXXX XXXX ) nor Experian. I have a credit card debt with XXXX XXXX that I do not dispute, it has been on my credit report since XXXX, On XXXX XXXX I called and set up a payment arrangement with the creditor, and my first payment is due on XX/XX/XXXX. I have been monitoring my credit very closely for the past year in hopes to be able to purchase a home. All of a sudden today XXXX XXXX I get a message from experian saying that the creditor has flagged my account and therefore my XXXX XXXX has gone down XXXX points. The creditor says that have changed nothing in the way they reported this month than they have done in the past and dont understand why my score would have been affected as nothing has changed. I have tried to contact Experian but get caught in the loop of voice prompts. I am not sure f this is something that your department can help with or possible point me in the direction of the people I need to speak wih. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Number 1 : I made a reservation with XXXX XXXX XXXX XXXX in XXXX NY Almost XXXX years ago. I had to cancel the reservations because of travel restrictions implemented by the XXXX of NY. I called the hotel directly and spoke to the owner and canceled my reservations over a week before the date. I was charged with a " no-show '' fee even though I spoke directly with the owner. I contacted American Express and disputed the charge. They said the charge was " valid ''. I never authorized XXXX XXXX XXXX XXXX to charge my card, but American Express charged my card anyway. I want the money that was stolen from me and allowed to be illegally charged by AMEX. 

Number 2 : I sent in a payment last month even though a payment was not due because I knew there was a charge coming up. I sent the payment on the XXXX of XXXX. AMEX held the payment until the XXXX of XXXX before they applied the credit to my account. They were allowed to charge me for interest because they decided not to apply my payment when it was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
XXXX, the corporation taking over my student loan from Navient, says they " do not yet '' have my loan. I am unable to login, nor did the customer service agent find my acct. despite widely reported assertions that all loans had been transferred as of the end of XXXX. They said I needed to wait for the " welcome package '' and stressed that I did not need to make a payment until XXXX! My credit has been so often dinged due to misreported student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, I purchased my XXXX home with a loan from XXXX mortgage company. XXXX listed I was behind 1 month 's payment. I filed a dispute with the XXXX because I never missed a loan payment. I requested a payment history, but did not receive it. I also requested my late payment and fees be removed from my account. 

* On XX/XX/XXXX, XXXX sold my loan, before resolving the missing payment issue. The loan was sold to XXXX XXXX XXXX  XXXX. I requested a loan payment history in order to rectify the missing payment. XXXX XXXX accessed an additional month of no payment. ( XX/XX/XXXX ) I sent canceled check to have the additional month of non- payment removed. It was not. My loan was sold, again. 

XX/XX/XXXX, Rushmore Loan company acquired my loan. I immediately send copies of my disputed XX/XX/XXXX payment, proof of insurance and requested a loan payment history. In the beginning of XX/XX/XXXX, I received a foreclosure letter from Rushmore. I received notice of lender placed hazard insurance. ( I submitted proof of home insurance ) I also received a letter indicating my yearly adjustable mortgage would increase {$300.00} in 60 days. 
In the 16 years of owning this home, the yearly adjustable rate mortgage has adjusted once annually, XX/XX/XXXX. ( not 2x annually ) It appears Rushmore is not honoring the terms of my original mortgage contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I contested the following information included on the attached files with Equifax and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Equifax has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Convergent Outsourcing continues to call my place of employment last call was today XX/XX/XXXX in the AM, calling my personal cell phone multiples times a day, and has sent emails on XX/XX/XXXX and XX/XX/XXXX. I replied to the first email from XX/XX/XXXX on XX/XX/XXXX with the attached letter stating this debt is not mine and I am requesting proof in an itemized bill with my signature that shows the debt is mine. I informed them this is the law, and they are not to contact me until I they provide the documentation requested. In addition to sending via email I mailed a hard copy of the letter on XX/XX/XXXX. 
I have continued to receive calls and emails, but no documentation as requested. Today I filed a complaint on their website submitted through their internal form stating I sent them a letting via mail and email on XX/XX/XXXX requesting no contact until written verification of the debt is provided. They continue to violate the FDCPA guidelines and continue to refuse to provide requested information while harassing me at my place of employment, email, and personal cell phone, I would like the information requested to prove I do not owe this debt and my credit remains free and clear, until that information is provided, I would like Convergent to no longer call my cell phone, place of employment, email me, or reach out other than in writing with the information requested. 

Convergent email me on XXXX and XX/XX/XXXX I responded to Covergents email on XXXX, mailed hard copy of letter on XXXX and responded on XX/XX/XXXX they are not to contact me per my letter until I receive written documentation that is itemized and has my signature. To this date I have not received any documentation. 

Convergent called my place of employment on XX/XX/XXXX Convergent calls my cell phone daily.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent Experian multiple letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request verification of debt requesting the following : - The names and business addresses of each individual with the debt was verified for follow-up - The date the individual furnisher was contacted - The method the furnisher was contacted - The method used to verify the information - The original consumer contract with my signature on it Experian sent XXXX an updated credit report stating the information was verified. They keep updating that " the debt was included in a bankruptcy '' but won't send me any information regarding the bankruptcy file with their name included, any other verifiable proof physical or electronic. 

I have received a copy of a billing summary from the debt furnisher, but still, no verifiable proof that this is my debt. 

So now, both companies, Experian and XXXX keep ignoring my request and sending me computer-generated bills/summaries. 

I have requested that an XXXX certify that this is my debt. To no avail, XXXX and Experian sent me another computer-generated response. 

Experian has not assisted in this process at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
i paid XXXX insurance my last pymt iao XXXX in XXXX i got confirmation it was paid i have the screen shoot to prove it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take legal action due to the stress you caused me. My information may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion continues to willfully and knowingly violate the law according to the FCRA. I have reached the point where I am seeking legal counsel to assist me because after countless request to have inaccurate and fraudulent information verified and if not removed, they continue to evade me and will not comply with my request for proof of these accounts. I have sent several request to provide proof sent proof that my personal information including social security number address and birthdate have appeared in numerous data breaches. All I have received are copies of my credit report. With the same inaccurate information. Im exhausted with sending letters and abiding by the law yet Transunion continues to violate my rights. I will continue to file complaints until you all make them remove these inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
AcctCorp of Southern Nevada XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, NEVADA, XXXX ( XXXX ) XXXX XXXX The collection company above garnished my wages without any formal notice. They claimed they served my address but later I found out they served my sister 's ex partner 's address. They were not living together during the time so I was not notified. I have proof of the address I was living in during the time they " served '' me. I was living with a friend while I get back on my foot. XXXX should have record of me as a resident. 

I found out my wages were garnished on payday. When I called, they said they could not help reverse the garnish. When I emailed them, they said they can not reply back, they didn't call me to let me know. I had to call back days later. They claim they can not communicate in writing. They did not allow me to record the call. If I was to record, they " have to hang up. '' They are ruthless and rude. 
My ex had an XXXX XXXX account under my name and owed {$1100.00}. I end up having to pay over $ XXXX to close the account. They wouldn't allow me to settle, I had to pay the full amount. I asked to start a payment plan since I wasn't able to make a living. I was a 100 % commission-independent contractor. The company that I was working for allowed me to borrow {$60.00} a day ( " Draws '' ) until I make a commission but Account Corp was garnishing the wages. Some commission finally came in to help but due to the garnish, I was not able to pay my IRS tax and had to push it back. 
I visited the XXXX XXXX to ask " my '' account rep, XXXX, if I can do $ XXXX payment, but she denied it. 
I finally got the account closed XX/XX/2021, I asked if there's any way they can help me settle. They agreed to settle for an amount after all. Even though, they told me XXXX that their firm does not offer settlements and that they are not " that type of agency. '' P.S : I did not receive any receipt of any of my payments or payoff.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I subscribe to XXXX XXXX, a credit report monitoring company. For the past year, they have told me that Equifax and XXXX consistently report my XXXX XXXX FICO score as between XXXX and XXXX. In XXXX, 2022, both agencies reported that my score was XXXX. Additionally, I have several accounts with XXXX Bank and they also reported that my score was XXXX. I then went buy a car. 

According to the car dealership, XXXX XXXX XXXX, who shared my FICO score with me, the XXXX XXXX score that they received from Equifax was only XXXX. While that is still not a terrible score, it is significantly lower than was previously reported to me and probably affected the loan rate that I received when I purchased my car. In fact, XXXX offered me a terrible loan. I received a loan rate through the car dealership that was not what I thought it should be, but I was able to negotiate it down a bit before completing the deal. 

When I contacted Equifax and XXXX XXXX, they both stated that there are numerous credit scores that are generated and shared, but neither business could explain the XXXX point discrepancy. XXXX XXXX blamed Equifax. If a person 's credit score is generally dramatically different than is reported to them, what good is receiving a score in the first place? It is used by both XXXX and XXXX XXXX to make the customer ( me ) believe that the credit card or loan that they are offering is based on better credit than is actually the case. That is blatantly fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
In XXXX someone charged about 8 charges to XXXX on my Chase Amazon card. 
I don't have an XXXX account ( and it's never appeared before ) so I called to report fraud. 

Initially it was taken off my bill. Then they sent me a letter saying they determined that it wasn't fraud because it was charged to my home address. I DO NOT HAVE AN XXXX ACCOUNT. So, I called back and they put it back in appeal. Again they determined it wasn't fraud. 

There is no way these are my charges. Chase now isn't returning my calls. So I am resorting to reporting it to you. Please help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation