vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
I received a bill under previois married name from 2007 that i was unaware was even associated with me. The collection agency is Convergent in XXXX Wa. I've only recently signed up for XX/XX/XXXX in the past 3 months. Upon numerous attepmts to speak with Convergent ( any info I enter sends me to voicemail saying there's no one available to speak to ), i got ahold of XXXX. The representative told me this was from 2007 and in my previous married name. I explained i wasn't even aware of this account and if the debt was from 2007 how the XXXX are they attempting to collect more than 12 years later. The letter offers a 3 payment options and states they are not required to offer this to me and if i dont comete 1 of they're options ( or contact them ) they will proceed with further action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I opened an American Express Platinum XXXX card in XXXX of XXXX. This card came with an anual fee of {$550.00} which I paid in XXXX, XXXX. The anual fee covers the benefits until XXXX, XXXX. American Express has decided to cancel this card without notifying me and for no good reason ( no late fees, no bankruptcy, everyday purchases ) and I find myself unable to use the benefits I paid for in XXXX, XXXX that were supposed to be covered for a year. American Express has basically taken my money and closed the door in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Sigue Corp.

Complaint narrative:
Dear Sirs, I went to XXXX XXXX XXXX money transfer agent which located in XXXX XXXX XXXX XXXX  XXXX XXXX at XXXX XXXX XXXX to mail {$2200.00} to my account in XXXX. But until now I'm not get the money, i complaint right now, please supervise XXXX XXXX XXXX and Sigue Corp. transfer my money to my account which i gave to them and help me get my money. 
All documents in the attachment You are appreciate and looking forward reply! 
Best regard! 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I have a CapitalOne Spark business card, which CapitalOne is closing saying they are exercising their right to close my account because of the type of business I have and choose not to do business with me. They are discriminating against me and my business simply because I own a XXXX XXXX. 
My credit is excellent. There has been no unlawful activity whatsoever. My business with them has been in good standing with no issues. 
This is discrimination on their part at the fullest extent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: TX

Complaint narrative:
The following accounts are fraudulent : XXXX XXXX   {$57000.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX  ( XXXX XXXX {$0.00} XXXX ( XXXX XXXX {$0.00}

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 2019-11-05 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: TX

Complaint narrative:
The following accounts are fraudulent : XXXX XXXX {$57000.00} XXXX XXXX XXXX {$800.00} XXXX/XXXX XXXX XXXX  ( XXXX ) {$0.00} XXXX ( XXXX ) {$0.00}

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 2019-11-05 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: TX

Complaint narrative:
On XX/XX/2019 Trans Union drastically dropped my credit score by more than 50 points. As I understand decreases in credit scores due to late payments and opening new accounts I feel that a 50+ point drop is unfair. I do not pay my creditors late and I have worked hard to maintain my scores. Please help me. All I did was buy and finance some new flooring

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 2019-11-05 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: NY

Complaint narrative:
I am a victim of identity theft and have spent COUNTLESS HOURS trying to repair my credit from fraudulent collections. I have submitted my proof of identity theft successfully to the 2 other credit bureaus, but EXPERIAN refuses to collect my proof!!! They said I have 2 options : ( 1 ) upload online -- BUT THEIR UPLOAD SERVICE DOES NOT WORK ( I've tried so many times, different browsers, file formats, size compression, etc. ), or ( 2 ) mail physically -- NOT SECURE, and WHEN I TRIED TO MAIL IN REPEATEDLY, THEY SIMPLY CLAIM THEY HAVEN'T RECEIVED ANYTHING. And they won't provide an alternative method!!! All the proof is right here in my files, but they won't provide a working way to get it to them so they can resolve these fraud charges!!!!!

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 2019-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Johnson Mark LLC
State: UT

Complaint narrative:
I receive social security XXXX funds in my XXXX XXXX account. My only source of income. This debt collector has illegally collected social security funds from my account. Attempting to debit my saving because they know the source of my income is XXXX which my social security money automatically transfer money into a savings account. It is illegal for them to collect social security funds from my account because it is the source of my savings. This is my only source of income in my accounts. I will seek litigation with an experienced attorney if I do not receive all of my money back. Additionally i have knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: SC

Complaint narrative:
My direct express government card has frozen my account bc they suspected fraud. This was on the XX/XX/XXXX. They said it is suspended until I contact them but Ive called night and day, and have been sitting on hold for hrs until the system hangs up on me for a week now. Its the only income I have n my bills and rent have been due since the first.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On multiple requests, Citi has refused to give us credit on one of our four {$1500.00} payments. We have spent too many phone calls and too many hours each call tried to solve this. Multiple occasions our case was opened and denied. There were 4 payments of {$1500.00} made in XX/XX/2019 ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ), only 3 credits were given to us, after we spent long hour on matching the credits with each of our payments from end of XXXX to mid XXXX, we found out that the MISSING CREDIT of {$1500.00} is for XX/XX/XXXX payment, and the reversal of a Conditional Credit of {$1500.00} was the mistake. So the 2nd Fax we sent to them is clear enough to point out their mistake, we have provided very detailed documentation and explanation. 
The problem is that Citi reps are NOT reviewing the info we sent in via Fax. Proof is this last conversation we had to force the rep to open it and review our bank statements and it was clear from her that she has never viewed them before. We are very tired of them holding our {$1500.00} and refused to give us back. Each phone call takes hours with NO satisfactory solution. The problem happened in XXXX, and now is already XXXX. We sent the 1st Fax per their request, but they couldnt find the problem and the unsolved issue remained. We sent the 2nd Fax ( 5-page fax ) on XX/XX/2019, they didnt open and review the Fax until today, XX/XX/2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GREAT LAKES
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax appears to be in violation of RICO for knowingling facilitating the illegal lending practices of such rent-a-bank companies as XXXX XXXX  XXXX XXXX XXXX, XXXX, UT XXXX and XXXX XXXX  XXXX XXXX XXXX, XXXX, OH and its marketing and management company " XXXX '' also DBA " XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX and " XXXX '' XXXX XXXX XXXX, XXXX, OH as it did with its predecessor XXXX XXXX who today operates the sales and marketing of its latest incarnation from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX. 

A prior dispute had been filed with Equifax to remove this illegal trade-line from my credit report yet the response stated that the information was correct, not considering the contract was invalid in the state of Florida where I reside or the state of Utah where the company resides. These latest iterations of XXXX  XXXX as noted in the Class Action Lawsuit Gibbs, et. al. v. Plain Green LLC, et al., Case No. 3:17-cv-495 in U.S District Court has already garnered a $ XXXX settlement and the current company still operated in in large part managed by XXXX XXXX , Chief Predatory Lender. 

Equifax aids rent-a-tribe and rent-a-bank usury rate scams by acting as a rent-a-bureau to these illegal lenders by continuing to update and list these illegal loans as valid trade-lines in its files. The company makes no effort to evaluate the legitimacy of the reported trade-lines or the illegal practices despite being provided documents from myself and others clearly stating the illegal annual interest rate charges, in my case clearly listed as 124.86 %, thereby participating in and enabling their illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-11-05 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
REGARDING BELK/SYNCHRONY. 
I AM THE OWNER OF ACCOUNT AND ADDED MY DAUGHTER AND DAUGHTER IN LAW. MY ACCOUNT IS PAID OFF. THEIR CREDIT DROPPED 25 POINTS. WHY?

MY CREDIT SCORE IMPROVED, BY 25 POINTS! SO WHAT IS GOING ON WITH THIS COMPANY? ARE THEY LEGITIMATELY ALOUD TO LAWFULLY DO THIS?? 
HOW CAN YOU PURCHASE YOUR FIRST HOME IF THE PRIMARY CARD HOLDER CREDIT SOARS AND THEIRS DOESNT???? WHY DID IT DROP???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: HI

Complaint narrative:
Someone by the name of XXXX XXXX continues to call my number and family members who are distant relatives leaving threatening messages that they are going to sue me or garnish my pay for a past debt that was included in a bankruptcy in 2012. I've contacted HSBC and XXXX XXXX and they have no information on any accounts in my name that this individual or company is claiming to sue me for. I've given them my attorney 's contact information in XXXX XXXX, CA and yet they still continue to call me and harass me with threatening messages. I have no record of the account they are referencing and it does not show up on any credit reports dating back to 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
There are two medical bills from XXXX Hospital, one from XX/XX/XXXX and one from XX/XX/XXXX that is now in the hands of Eastern Account Systems a collection agency. This hospital either failed to submit to the insurance companies or is trying to get paid twice for the same bill. I never received a bill from the hospital for services stated above only an invoice from the Collection Agency dated XX/XX/XXXX. My insurance companies of XXXX and XXXX would of covered the services on the dates mentioned above. Now I have a Collection Account on my credit reports from the shady Eastern Account Systems. I was forced to hire a Financial Consultant to assist me with this scam company. They refused to work with him stating they " are not authorized '' to speak with a third party. Who gives them such authorization? It cant be me since technically its not my account and they are not even authorized to speak with me since there is a cease and desist order! All this company did was send me a shady so called " invoice '' that looks made up and is not even verifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: WA

Complaint narrative:
I moved from XXXX to XXXX, and in doing so would no longer be using PNC bank. There is no physical location in XXXX and it would be inconvenient to use. I had to keep the account open after my move to get the final direct deposits from my employer in XXXX. Upon knowing I would have no more money moving into the account, I emptied the account to {$0.00}. 

I then received a letter in the mail dated XX/XX/19 stating that my account was overdrawn. In looking at my account, it was overdrawn because PNC charged a monthly fee of {$15.00}. I had never had a monthly fee hit my account during the 5 years of using PNC. I called PNC on XX/XX/19 to close my account and was told that I could not close the account until it was brought to current status by making a deposit. I was literally in shock to find that the bank would charge me for having an account with nothing in it. While the customer service representative I spoke with on the phone was very nice, I was informed that to speak with a supervisor about this I would need to escalate my complaint and they would call me back in 24-48 hours. This was completely unacceptable as I was trying to fix this situation and was only told it would be dragged out. 

I understand being held accountable for overdrawing my account, however I did not overdraw my account. In an attempt to close the account, I was told this charge was valid and could not. I don't feel this is how banks should operate and want my account closed, as I will NEVER use PNC again. The policy that they have in place regarding this predatory and harmful to the consumer.

Company response to consumer: Closed with explanation