vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent Outsourcing sent me a debt collection letter in the mail dated XX/XX/2021 for an old debt ( time barred ) from XXXX XXXX in the amount of {$2400.00} dollars. I dispute the validity of the debt and the collection efforts by the debt collector because I believe that It has been 4 years since the last payment was made to the disputed phone account. The statute of limitations under California law to collect this old debt is already in effect and Convergent Outsourcing should stop all efforts to collect it and to contact me about it. Also, I believe that the debt collector is making a threat to me because the letter states : " If you do not pay the debt, Convergent Outsourcing , Inc. may [ continue to ] report it to the credit reporting agencies as unpaid for as long as the law permits this reporting ''. I believe this kind of action is a violation of FDCPA.

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 2021-01-31 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: MA

Complaint narrative:
Im shocked on your current method of investigation into these 2 accounts screenshots below. For months now, I been trying to reach out to your organization to get these accounts corrected, removed, and deleted from my credit report. Its impossible that your organization investigated these accounts below because by law the account status should been updated, but for some odd reasons, it continues to report incomplete, misleading, erroneous info on this account. For example, why there are inconsistencies with different dates of last active, dates of last reported, dates of last payment, and different inconsistencies with the payment history. 

I have these questions if you already investigated : What is the 1st date of 1st delinquency with this account from XXXXXXXX XXXX XXXX? Why the account status is incorrect? Why the account type and responsibilities show LEASE and Joint, where it shouldve said installment sales? Why I never received 1099C on the chargeoff/collection account? Plus, on the XXXX XXXX account, why the payment history is so inconsistent showing 3 different dates of last active and payments and where one credit reporting agency shows I was not late for particular months, but the others show I was late 30/60/90 days..Why? Incomplete and misleading?

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 2021-01-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After challenging Experian on a inaccurate inquiry i do not recognize back in XXXX, of 2020. 

Inquiry : XXXXXXXX XXXX XXXXXXXX, i do not recognize this creditor. The company has not provided or extended any credit line or loan. as a result this inquiry has no permissible cause to report this account. Which violates 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 2021-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/2021, I formally contacted American Express to close my personal AmEx Gold card ending in XXXX. I received confirmation from the American Express representative that the account was closed and that no further transactions would be processed on the account. As a result, I was under the impression that the account was closed in its entirety. 

Much to my surprise, on XX/XX/2021 I received notification from American Express that there was an outstanding balance of {$560.00} because there was two transactions that AmEx processed AFTER my account was closed, including : 1 ) Transaction # 1 - {$14.00} processed on XX/XX/2021 2 ) Transaction # 2 - {$550.00} processed on XX/XX/2021 In addition to processing these transactions without my authorization, AmEx is threatening to assess interest charges on the unpaid balance even though these transactions took place AFTER I closed the account and the transactions were processed WITHOUT my approval. As a result, I am contacting CFPB to request support, as I believe that I should not be liable for these transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX # XXXX the dates were XXXX. XXXX XXXX XXXX # XXXX the dates wereXXXX XXXX, MyXXXXXXXX XXXXXXXX XXXX XXXX # XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.

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 2021-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
I was looking around for a mortgage and spoke to XXXX XXXX from AmeriSave mortgage. I decided to not get prequalified because she wanted me to take a higher interest rate now and refinance in 6 months. I knew this sounded wrong and not how banks generally offer loans. I declined this offer but wanted to notify somebody of this companys offer because this is definitely predatory lending. At a more vulnerable time in my life I may have fallen victim to it, but now I understand I have to shop for a mortgage just like anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
XXXX XXXX, 2021 I recently applied for the Freedom XXXX  card and was denied for the following reasons : one or more Chase cards have recent delinquency, charge-off or bankruptcy insufficient credit information. I received this information in the mail on XXXX XXXX, 2021 I want to know why they are discriminating against me? I have never had a Chase card so for them to state that I have been delinquent, charged off or another other such thing that does not appear in my credit report due to the fact that my credit report reflects the following : Account Summary as of XX/XX/2021 Balance of {$4000.00} Payment of {$80.00} Credit accounts 1 Open accounts 1 Closed accounts 0 Delinquent account 0 Inquiries ( 2year ) 1 Derogatory 0 Public Record 0 FICO XXXX Since I did this in good faith because my credit is better than good and they are denying me based on anything but what they stating I am going to assume they are discriminating against me. Remove any inquiry that you have made to stain my credit ASAP. 
They did an inquiry on my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 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: FL

Complaint narrative:
I had contacted Navient ( the company my loans are through ) days prior to the payment due date about lowering my payment options. The representative who helped me also took my payment for that month over the phone. Days after the due date I started receiving strange calls from Indiana and only now did they leave a message. It was an automated message and said it was about my Navient loans and to call them at a specific number. I did not call that number, as I was wary off it being a scam, so I looked at my Navient profile. It was saying that I was short a {$17.00} for my loan payment! I could have defaulted on my loans or pay an extra fee had I not checked all because the representative did not take the full amount needed for my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MA

Complaint narrative:
I cosigned a student loan for my daughter with Sallie Mae in XX/XX/2020..I requested paper billing statements to pay my monthly payment as I do not pay any bills online. Since then I have not received any loan documentation or billing statements as requested. I have contacted Sallie Mae five times via phone and my daughter contacted them by phone as well. Each time I was told billing statements would be sent out the next day. The only thing I have received from Sallie Mae is 4 threatening letters regarding my " nonpayment '' and the impact it will cause on mine and my daughter 's credit score. I also have received phonecalls from them threatening the same..AS WELL AS ... overnight XX/XX/XXXX deliveries of more threatening letters ... but still..NO BILLING STATEMENT OR LOAN DOCUMENTATION!!! Please help before they attempt to harm my daughter and my credit score ... I have been trying to pay yhis bill since day one and they wont allow me to!! 
Thank you ... .XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received a collection from aJefferson capital ( XXXX XXXX  ). which I do not. I have to do reached out to XXXX XXXX but no person to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. 
Per the purchase agreement they were to include vehicle registration for XXXX and XXXX and an extended XXXX XXXX XXXX XXXX XXXX XXXX. 

In XXXX of XXXX I checked in with my XXXX  XXXX  services for registration as the temp plate was close to the expiration date. The XXXX representative informed me that they hadn't received title or paid registration for the vehicle. I then went to the dealership shorty there after to inquire what was causing the delay. The dealership representative informed me that because I had purchased a used vehicle my paperwork was delayed as they give priority to those who purchase new vehicles. 

I then experienced an A/C issue so I took the vehicle in to have it repaired and to my surprise the warranty company had a different service plan under my contract. 

This is when I realized that the purchase agreement that was given to me at the time of purchase was different than what the dealership submitted to the finance and warranty companies. 

XXXX XXXX submitted that I purchased a Tire & Wheel 60 month plan ; however, my purchase agreement clearly states that I purchased a XXXX XXXX  XXXX  XXXX  XXXX  Plan. To this day I have not been able to repair the A/C in my vehicle due to this error. 

To this day, the registration has not been paid. I have not driven the vehicle since XX/XX/XXXX and now have been paying storage fees as I am unable to drive the car due to both of these issues. 

On XX/XX/XXXX I contacted the finance company, TD Auto Finance Bank, and spoke with Ms. XXXX at XXXX. I asked that if I paid off my loan would they be able to provide the title to the vehicle. She said that they would be able to remove the lien ; however, they would not be able to provide the title. 

I have been paying on this vehicle on time every month. Due to COVID I asked for a 3-month payment deferment which expires next month. I will ensure to make the next payment due on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had not received US Banks response-They sent 2 CONTRADICTORY letters 2 DAYS APART TO CONFUSE. I NEED FINAL LETTER AND REIMBURSEMENT-I FILED XXXX  DISPUTE TIMELY, WithIN 60 DAYS ACCORDING TO BANK, AND HAVE US BANKS LETTER AS PROOF THAT IT WAS FILED TIMELY. 
I emailed XXXX Branch Manager proof that I reported dispute timely and she called the police.

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 monetary relief
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC
State: DE

Complaint narrative:
Company Mountain Run Solutions purchased a debt from XXXX. This debt was for alarm system service agreement I did not purchase at an old Address I didn't live at for nearly 3 years prior to the time of agreement. I lived at address stated in contract for a few months in XXXX with my girlfriend at the time after which I had got my own apartment. I have submitted disputes to credit bureaus as well as Mountain Run Solutions. I have requested verification of debt and proof of statue of limitations. They have provided contract of service agreement showing date of contract as XX/XX/XXXX. This appeared on my credit report in XXXX of XXXX. Upon receipt of contract from collection company it further proved this wasn't my debt and I did not sign nor have any such knowledge of contract. I have requested they immediately remove from my credit report. Since then I have received additional notifications from XXXX advising they consider the debt to be accurate. On this Contract which I intend to submit additional disputes in writing it shows my name and social security number which I did not provide. The contract also advises that they will obtain a credit report before services was provided. They did not do so in accordance with their own contract as I have had a fraud alert on my credit report and would have been notified and could have confirmed this wasn't me that was opening the account. Furthermore, this contract didn't have my signature on it what so ever, nor did it have my phone number on the contract. So other than someone putting my name and social on this contract there was no agreement by me entering into such agreement. This doesn't even take into consideration that as a XXXX I was stationed XXXX  from the end of XXXX through early XXXX. I'm truly devastated that the credit bureau 's do such a poor job verifying debt and allow creditors to falsely destroy others name with zero repercussions. I have determined 10 different evidence points that this debt doesn't belong to me. However, feel very disappointed that it's so hard to clear your good name. Please help!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I authorized Citibank to withdraw funds from my XXXX XXXX account ending in XXXX. 

For reasons, no one at Citi has explained, funds were withdrawn from another account at XXXX ending in XXXX. 

Not only is the security of my account compromised, I was assessed an overdraft fee of {$35.00}.

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 2021-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Ok so the Credit Acceptance calls several times daily are irritating. let me tell you why .... 
1. ) Covid XXXX up XXXX 2. ) My husband left XX/XX/XXXX and stuck me with every single bill 3. ) I lost my job due to covid XX/XX/XXXX and WAS NOT eligible for unemployment 4. ) I have a XXXX  that has XXXX XXXX and XXXX 5. ) THEY TOOK OUT DOUBLE PAYMENTS FROM XXXX, XXXX, XXXX & XX/XX/XXXX that I DID NOT AUTHORIZE!!!!! 
6. ) Because of said double payments being taken, I technically didn't owe a car payment until XX/XX/XXXX BUT they claimed I was several months behind even though I wasn't because of the non-authorized payments being taken. 
Now, I have been without a vehicle since XX/XX/XXXX because the repo 'd and I'm not able to get my XXXX  to her XXXX treatments. So no, when they call, I will not answer. I made {$480.00} wages in XXXX because of covid. That's less than my car payment of $ XXXX. My tax money from last tax season was set aside for that payment until they took out double payments. So yeah, please tell me why I should answer my phone when they are this terrible. I had a XXXX XXXX ... .which isn't the car I wanted originally. I wanted one that was cheaper that I would be able to pay off in 24 months not 5 1/2 years at $ XXXX but they refused to approve a cheaper car in my budget. 

Sincerly, A very XXXX off ex-customer 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 2021-02-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
After carefully reviewing my credit report, I have noticed inquiries that I never authorized or applied for. I have heard of companys pulling your credit without permission and I know that it is not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have send numerous of documents including my police report and identitytheft.gov documents. I have sent to XXXX XXXX XXXX, AMEX, XXXX, XXXX AND XXXX 
I have gotten letters phones calls and report still showing on my credit profile. 
From XXXX XXXX  and other collection agency seen like AMEX keep sending report between 3 didferent agency. 

Now i got this letter stating they wont honor my documents because a payment was made from 2 bank account that i have no knowledge of no do i deal with them. 

This is voliating my right and all of 15 USC code

Company response to consumer: Closed with non-monetary relief