vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I went to a few dealerships that said they would pull my credit report just for their dealership, however they pulled out quite a few hard inquiries. The other hard inquiries listed, I just do not recognize. I have tried to call the numbers listed directly to tell them to provide proof that the inquiries should be on my report, but they told me to contact the credit bureaus to take it off my credit report. So I asked the credit bureaus, and they told me to call the companies directly to take it off my report so I am getting the run around at this point. Listed are the hard inquiries I need removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX US DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These names are also not correct : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the following addresses are not correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX CONVERGENT OUTSOURCING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING 87387851 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXXXXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Daiyaan, Inc
State: TX

Complaint narrative:
We did closing of our new home last week and we had a bad experience with the lender Liberty Home Mortgage. 

XXXX.They charged us very high origination cost ( got it verified from other lenders ) for an amount of {$16000.00}, to bring down the interest rate, but got the same market rate the date it was locked ( 30 days ) .When I asked why the charge is so high, then the loan XXXX XXXX XXXX arrogantly said no lender gives jumbo loan to H1B ( I had pre-approval from XXXX other landers who agreed to approve my jumbo loan ) XXXX.The final closing disclosure was sent just XXXX hour before the closing time, this was done intentionally so that we as a buyer get no time to negotiate the loan costs Liberty Home Mortgage Phone ( XXXX XXXX XXXX XXXX XXXX Email : XXXX Toll-Free : XXXX Toll-Free Fax : XXXX www.libertyhomemortgage.com XXXX XXXX XXXX XXXX XXXX, XXXX, TX 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 2022-08-18 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: MS

Complaint narrative:
I applied for credit and it said I had too many inquiries XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Credit Cards Issued by Finance Companies XX/XX/XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Credit Cards Issued by Finance Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX XX/XX/XXXX XXXX XXXX Credit Card XX/XX/XXXX XXXXXXXX XXXX Mortgage  Companies XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I sent off letters to XXXX, Experian, and XXXX to remove inaccurate personal information that doesn't belong on my credit report. FCRA 15 U.S.C. 1681 states I have the right to privacy, accuracy, and fairness. Also, 15 U.S.C. 6802 states that a financial institution may not share my information to third party people. These are clear violations of my federally protected consumer rights. 

Below are my tracking numbers as well as the inaccurate names, addresses and employers information on my report. Please see the correct current name, addresses that are to be reported. 


Tracking Number XXXX Tracking Number XXXX Tracking Number XXXX Correct spelling of my name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX. XXXX, TX XXXX Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX  Incorrect Address:XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Incorrect Employers : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I filed a dispute with PNC Bank on XX/XX/2022 for 3 ATM transactions that did not properly dispense. The ATM failed to dispense any amounts on 3 separate occasions but still charged my card the full amount. The ATM displayed an error message to " contact your financial institution. '' I ultimately filed the dispute with PNC and they requested additional information by sending a letter to my home address on XX/XX/2022 which I have not received. I typed up my own explanation of the events that happened since I had not received the letter and faxed this information back on XX/XX/2022. I followed up for several days and was told on XX/XX/2022 that PNC had not received my fax. I have confirmation that the fax was accepted by " XXXX '' at the fax number XXXX. They still maintained the fact that the fax had not been received on their end. I have refaxed the information over a total of 4 times on XX/XX/2022. I recalled their customer service line and was finally told they received the fax. The letter that was sent out on XX/XX/2022 stated that I had until XX/XX/2022 to provide the requested information, which has been done timely. As a former XXXX XXXX, I am aware of every federal banking regulation there is ... and these transactions are governed by Reg E, which carries very strict guidelines that financial institutions need to adhere to. Under Reg E, when a dispute is filed, a financial institution has 10 business days to investigate the error ( s ) in question. If they are not able to complete the investigation in the 10 business day timeline, a provisional credit is SUPPOSED to be provided during that time and the financial institution has up to 45 days to finish their investigation. PNC has violated this regulation intentionally, even after being told they were in violation. They have insisted that I wait. I have done my part and now they need to adhere to Reg E. The Dispute claim was for {$500.00}, {$500.00} and {$340.00} ATM withdrawals that failed to dispense for a total amount of {$1300.00} that they have failed to render.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022 I received a text message asking if I had attempted an online XXXX transfer of {$3500.00}. Immediately after this I received a call from the Bank of America phone number by a person ( XXXX XXXX ) who told me that I order to get my money back I needed to do a XXXX transfer to myself for {$3500.00}. I followed his instructions and from the information on my checking account, the transfer to me was made. He then called me back later and said the transfer did not work so I needed to do the transfer again. I did not have sufficient funds in my checking account so the transfer was taken from savings for {$3500.00}. Again, the information on my savings account it looked like the transfer had been made to me. After I saw that my balance had been drawn down by {$7000.00}, I called BOA and was told that they had not called me even though the call was from their phone number. I filed a claim with them on XX/XX/XXXX and for the {$3500.00} that was stolen from my checking account, I got the funds back on XX/XX/2022. When I saw no action on the savings account I called again and BOA opened another claim on XX/XX/2022. I received a letter today dated XX/XX/2022 stating that my savings account would not be credited. I dont understand how this should be the case since the fraud occurred in two instances on the same date and Im the owner of both accounts. Why would I get the money back for the checking account XXXX fraud and not for the savings account? I called BOA again XX/XX/2022 but they said the 45 day waiting period was not up until Monday, XX/XX/2022 and they would send any documents used to make the decision to me.

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 2022-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MD

Complaint narrative:
I was notified by my XXXX from a job I applied for that I have an collection acct for {$990.00}. From a company called MBA Law ( XXXX ) when I contacted this company they stated that I had a XXXX XXXX XXXX ( XXXX ) I notified the company I believe this is a mistake and I inquired why didnt I receive any notification from them about the bill I contacted XXXX XXXX twice and spoke with XXXX from billing who stated she dont see a bill in that amount and further more they do not deal with an MBA Law. They stated they felt with a company called XXXX help XXXX. I called the number twice to see if they possible deals with MBA Law and where did this bill may have come from since XXXX do not have a bill. I called the first time stayed on hold for XXXX. Someone picked up and hung up I called back being placed on hold XXXX minutes and someone did the same thing. MBA law is trying to get me to Pay a bill that I do not owe. Further more they placed this on my credit report without properly notifying me of such bill. I have XXXX insurances atena and XXXX both XXXX my parents so I normally dont receive a bill because XXXX is XXXX and XXXX pick up the balance. I may not get the job because this company placed this on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: OK

Complaint narrative:
This company calls me 3-5 times a day. Sometimes back to back. That is more than 7 in a week. It is harassing at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
When I originally signed up for a Unsecured Capital One Credit Card I enrolled in Credit Protection and Creditwise. I got injured at work on XX/XX/2022. I called Capital One to try to use the Credit Protection. I was offered a payment plan instead of the credit protection. I declined. My credit score dropped over 100 points because of the nonpayment and I accrued a late charge. 

XX/XX/2022 I received a text from Capital One about my debt. I called and again asked for Credit Protection. The operator wanted to enroll me in a hardship program where I am not responsible for the payment for 3 months, but the nonpayment would still continue to reduce my credit score. I declined and asked " If I pay off the debt and close out the account will I receive my deposit back? ". 

The operator had me on hold for 20 minutes before saying yes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase basically denied a claim that was literally two discharges on the same day as a fraudulent charge despite me not getting my card back the same day and they refused to reopen the claim after they failed to properly investigate it the first time and the second time they were so close to fixing it but let two charges stop them from successfully doing what they were supposed to do now I no longer wish to do business with this horrible example of a bank who doesn't take claim seriously enough to understand that information was omitted because they didn't know it at the time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
We have a XXXX American Express XXXX and pay an annual fee of {$250.00} Included in that fee, as described in the perks is an annual companion ticket. 

Companion Certificate Receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. * *Payment of the government imposed taxes and fees of no more than {$80.00} for roundtrip domestic flights ( for itineraries with up to four flight segments ) is required. Baggage charges and other restrictions apply. See terms and conditions for details. 

We have tried to use that ticket for a trip to XXXX, XXXX and were told it could not be used for a trip to XXXX, XXXX. There are no such exceptions listed. 
We have talked to Amex who said XXXX was in charge of thatwe spoke with XXXX and they said, Thats not eligible for the companion ticket - no explanation given or rule cited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was awarded the home in divorce proceedings and received Special Warranty Deed. Both the Mortgage and HELOC were in Ex-Husband name only. Paid off first mortgage but the was an Escrow shortage, of which Chase allowed me to do an assumption modification. When I complete the process the said it was denied because Ex-Husband would not sign the Modification Agreement. However ever month I have continued to make the payments according to the agreement and the continue to accept them. 

I recently received the notice about Foreclosure on the HELOC. I never received any notices on this loan because Chase was sending statements to an address give by Ex- Husband. Because he is only person on the loan Chase would not change address and they lost communication which him over two years earlier. When I called in and advised them that the home had been awarded to me in divorce, they advised me of an Accessor Of Interest position. I was told to send in Divorce Decree, copy of Warranty Deed, etc. So I did. The documents were reviewed and I was added as the successor. However Chase refuses to forward any Billing Statements or Documents of the original Loan Contract. According to their representatives, I can only reinstate the loan and continue to make payments. Also, at any time if my Ex-Husband wants to with draw any of the equity out of the home he can do so, as the line of credit is still open. They told me that Im not legally liable for the debt. Hence, I can only be given a limited amount of information, of which will be verbal. If Chase can forward a written Payoff Quote, why cant they ballade the debt and send monthly statements. What is the purpose of becoming a Successor of interest. 

There is an estimated XXXX balance and over $ XXXX equity. I went into a local branch and spoke with a representative who downloaded a Request For Mortgage Assistance Package. I forwarded the packet in with several financial statements, to show that I could make the payments but dont have the money to reinstate the loan. A representative confirmed the documents were received but could only say that someone will give me a call once the documents are reviewed. This person stated the they/Chase would not be able to release any loan documents prior to me becoming a Successor Of Interest, which includes monthly billing statements. 

Please tell me what are my rights as the sole property owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Stellantis Financial Services US Corp.
State: OH

Complaint narrative:
Never had possession of the vehicle when financed on welcome call they knew!! So many out of pocket expenses that were never covered by limited warranty Only had possession of the vehicle for about XXXX XXXX months the loan was suppose to restart Never received any calls for collection except twice no right to cure letter also the company was deceptive by sending emails from agents verses business name

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 2022-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX AARGON AGNCY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AARGON AGNCY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXXXXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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