vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
Received notice from Convergent Outsourcing Inc regarding a XXXX bill. As I have numerous XXXX accounts I asked them to send validation of the debt and what was the service address. They sent a letter saying it is a valid debt and included a XXXX statement dated XX/XX/18. It had no information as to the location nor why the money was owed. I called Convergent. I was told this was the only information XXXX provided them. I was told to call XXXX which I did. XXXX had no information because they apparently sold this account to Convergent. According to XXXX, Convergent has all information on the account. 

There are several problems here. I realize it is a small amount. Had I received a bill in XX/XX/2018 I would have paid it. Now 2 1/2 years have passed and the collection agency, out of the blue, wants me to pay a bill that neither they, nor their client can provide me proof of the debt. 

And the collection agency says, again, that I need to get this information from XXXX. XXXX looked it up by my SSN, the account number, the phone number, etc. My issue is, if these companies are going to buy and account, then they must assume responsibility for the information they have. If not, then drop it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: SC

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: NC

Complaint narrative:
I disputed an inaccurate account with all three credit bureaus ( Equifax, XXXX, and XXXX  ) and none of them took into consideration the proof that I sent in along with the dispute. XXXX XXXX XXXX XXXX is inaccurately reporting an account with different last payment dates and payment history to all three bureaus. Even during the process of disputing XXXX XXXX XXXX XXXX continued to change the payment history on all three bureaus, yet still none match up with accurate and CONSISTENT information. It is by law that any information reporting to any Credit Bureau is accurate and consistent. None of these Credit Bureaus properly investigated this claim and I would like this account deleted as soon as possible as they are consistently changing information and damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a fraudulent loan on my credit and have contacted both XXXX XXXX and Experian about this issue and Experian has allowed it to stay on my credit, the fraudulent loan is under loan by phone which I have not done.

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 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Hello. 
When Covid struck back in XX/XX/XXXX, many of us within the Local lost our jobs including myself. While I continued to pay my mortgage, in XX/XX/XXXX I received a letter from my mortgage provider, Select Portfolio Servicing , Inc., Which stated, if you have been experiencing a hardship due to COVID-19 to call the XXXX  number. Upon doing so, Select Portfolio Services offered me a three month hiatus. Then, in XX/XX/XXXX, I was given another three month hiatus extension. This happened again in XX/XX/XXXX, whereby, I was following their own rules. I was asked to check in once a month which I did. 

As we came in to XXXX, Select Portfolio Services says they were going to work with me. As a matter of fact onXXXX XXXX I spoke with one of the representatives, XXXX, whom stated they were looking into a forbearance plan which involved a possible loan modification. She to asked me to check in weekly after I provided my paystubs and tax returns. After providing tax returns and paystub s, and following up with them, I was told several times, that they did not receive the documentation and to resubmit. Depending upon whom I spoke to, the information provided was always different. Now, a month later, I just received a letter on XXXX XXXX, stating they are unable to offer any assistance and they attached a letter of foreclosure which stated if {$36000.00} was not paid then their intention is to foreclose on the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: MA

Complaint narrative:
On XX/XX/2021 I purchased what I thought to be a gift card at XXXX pharmacy in XXXX, MA. I paid {$2.00} for the card and gave the cashier {$100.00} to put on the card. The cashier informed that the {$100.00} would not be accessible to anyone until the account was activated. 

XXXX transaction # XXXX ; cshr # XXXX ; STR # XXXX NETSPEND XXXX EACH XXXX XXXX CONVENC FEE Once I realized it wasnt actually a gift but instead was a bank debit account, I tried to return the card to XXXX. I was informed that gift cards are not refundable under any circumstances. 

I then tried to contact the company, Visa, directly. There are two phone numbers and a website address to contact with any questions. I was unable to reach a real person to speak with about the card. Both phone numbers provided on the card packaging would not transfer me to anyone without entering my social security number. I choose not to provide my ssn. 

This is a time sensitive issue as the debit account will start to penalize me {$5.00} per month if the card is not used. I purchased the card in error at XXXX, as it was situated with many other gift cards by he check out line. I think a fair resolution would be for the company to cancel the card without penalty fees and to reimburse me the {$100.00} purchase price.

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 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I contacted Wells Fargo for a loan modification on the mortgage for a rental home that I have had since XX/XX/2009. The costs have continued to increase every year for the past 15 years, while the Section 8 rent can not be increased and the tenant owes more than {$5000.00} in back rent spanning the 15 years. I can't evict the tenant because I don't have the money to rehab the house for a new tenant. The housing market crashed not long after I purchased the property, so there has never been enough equity to refinance to a lower interest rate. I struggle to pay the mortgage AND make needed repairs to the property. 

I am still paying 7.25 % interest on this loan which is double current rates. Wells Fargo 's " modification '' is to just increase the length of the loan to 40 years at the same 7.25 %. I currently only have 15 years left on this mortgage and Wells Fargo is trying to make me agree to a 40 years term. Wells Fargo told me to stop trying to make payments during their months-long review of my application for a modification. Now it seems they are adding the back payments to the balance as 100 % interest without applying any of the back payments towards the principal. But I don't really know what they are adding to my principal because they won't give me a specific breakdown on how they have inflated the amount owed. They say they can not give me an amoritization schedule until AFTER I am locked in to their " modification '' .So I can't even see how much excessive interest they going to make off of my hardship. If I refuse the modification, the total back payments of {$3200.00} becomes immediately due and Wells Fargo will start foreclosure on the property because I don't have {$3200.00}. Wells Fargo is not offering a fair modification, they are just maximizing the amount of interst that they can get away with charging 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 explanation
Consumer complaint received 2021-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Beginning in XX/XX/2021, XXXX XXXX XXXX, XXXX fraudulently starting reporting repossession on my credit reports with all 3 bureaus. Via thorough documentation, I submitted disputes to have it removed so I may proceed with increasing my score and purchasing a much needed vehicle. Meanwhile, Ive been in civil litigation with XXXX XXXX XXXX and also reported company to Dept of Ag and CFPB who forwarded to FTC. Upon receiving the disputes, XXXX XXXX XXXX removed the repossession as required by law, but out of retaliation replaced my account in paid good standing but closed status with a charge off and marked the XX/XX/2021 history as unpaid, although I was not even in possession of this vehicle in XXXX and this contradicted their earlier claim on my credit. 

I once again disputed this claim, prolonging my ability to purchase a vehicle. XXXX, Experian and XXXX  have not removed this status and do not seem to have record of the previous claims in which this contradicts, violating consumer rights law. This frivolous and false reporting is being allowed and not monitored thus damaging my credit and ruining my life

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 2021-05-05 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: FL

Complaint narrative:
Beginning in XX/XX/2021, XXXX XXXX XXXX, XXXX fraudulently starting reporting repossession on my credit reports with all 3 bureaus. Via thorough documentation, I submitted disputes to have it removed so I may proceed with increasing my score and purchasing a much needed vehicle. Meanwhile, Ive been in civil litigation with XXXX XXXX XXXX and also reported company to Dept of Ag and CFPB who forwarded to FTC. Upon receiving the disputes, XXXX XXXX XXXX removed the repossession as required by law, but out of retaliation replaced my account in paid good standing but closed status with a charge off and marked the XX/XX/2021 history as unpaid, although I was not even in possession of this vehicle in XXXX and this contradicted their earlier claim on my credit. 

I once again disputed this claim, prolonging my ability to purchase a vehicle. Equifax, XXXX  and XXXX have not removed this status and do not seem to have record of the previous claims in which this contradicts, violating consumer rights law. This frivolous and false reporting is being allowed and not monitored thus damaging my credit and ruining my life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX my mortgage payment was process by Amerihome mortgage. There was two problems with this, first I did not include the nine in the written text on my check. The nine witch made the check read XXXX XXXX XXXX dollars and XXXX XXXX cents. Instead of XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents. Someone altered my check to read XXXX in the numerical box on my check. The second thing was that the XXXX was never given credit to my mortgage account. But was withdrawn from my XXXX XXXX account. I have now spent over a dozen phone calls and hours on the phone on hold to try to resolve the matter. We even did a three way phone call with a Amerihome representative and my XXXX XXXX representative for over two hours trying to resolve this. I call a few days later to get an up date and was told by Amerihome that my customer service case was closed because my account was current and not behind. This is because I had to double a mortgage payment to catch up for XXXX. .All I am asking is to apply the XXXX to my mortgage account. As I type this I have now been on hole for over 45min. Unable to reach a customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc.
State: FL

Complaint narrative:
I was initially unaware of this debt existence until I decided to take actions to improve my score to get my dream home. I then disputed the amount of the {$230.00} of utilities for I was unaware of this charge. I was not given any information nor proof on how they proved that the debt was mine. It was just placed on my credit as an open account, hindering my score as it is considered a delinquency. I didn't know that it was still lingering in my account until yesterday. According to my report, it was opened XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I never lived at XXXX XXXX apartments my XXXX ex husband used my information to get an apartment. I do not owe this debt I need to have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. Someone has access to my personal information and is ruining my credit. I have no knowledge of what or who this could be. I filed an FTC report and sent an Identity Theft Victim 's Complaint and Affidavit, notarized with certified return card. I haven't gotten any mail notifications from the Equifax from my previous complaints filed here and sent through certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have tried to contact Experian in regards to the removal of a security freeze by phone and its website and it keeps asking me for money to remove it and pay a fee for this service. The account that i have on this website is free and each and every time i go to the options in order to remove the freeze the website malfunctions on my account. Customer Service on the Experian side never answers it keeps going through the auto attendant systems for the options and you never get to speak to a real live person to fix the issues with their services or my information.

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 2021-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: MI

Complaint narrative:
I took my vehicle into XXXX XXXX XXXX XXXX XXXX Located : XXXX XXXX XXXX XXXX XXXX, MI XXXX ) in XXXX of 2020. To have repairs done to my vehicle after a fender bender I was the victim of. Their staff was very friendly and helpful, even completed the repairs ahead of schedule. When it came time to go pick up my vehicle, I remember stressing to make sure I had the funds to pay my deductible ( {$500.00} XXXX. When I was there to claim my vehicle, I had my debit card in hand and set it on the counter to sign some paperwork acknowledging repairs had been done to my vehicle. I remember then picking up my card and offering it to the gentleman who told me " oh, don't worry about it, no charge ''. I thought wow, what an awesome ending to a XXXX situation. I remember I even grabbed the paper work I signed and took it with me on my way out the door, the gentleman ran out to my car and asked for it back, I apologized for taking it, and that was it. 

Towards the of XXXX of 2020 my car was damaged overnight, and I took it into the shop in XXXX. Again, was having a pleasant experience until when it came time to collect my vehicle. Again I had money ready to pay the deductible XXXX {$500.00} XXXX and that is when they reminded me of a debt I still owed from my first visit with them in XXXX. I explained that what the gentleman had said and they he verbally stated I didn't owe them anything for that visit. They said even though a mistake was made on their end, I still owed them XXXX $ XXXX XXXX. I paid the deductible owed for my XXXX visit XXXX {$500.00} XXXX. Now I have a debt collection agency ( Aargon Collection Agency XXXX calling me for that unpaid debt with XXXX XXXX  from XXXX. 

I have never had " good '' credit, but lately more than ever I have been successfully exercising a strong focus on improving my credit and paying off old debts. This comes to me almost out of nowhere and I feel is extremely unfair. Every company I have ever worked for, if a mistake was made on our part we made it right with the client. It does NOT seem like that was the case here. 


I have included an attachment from XXXX XXXX showing an Estimate Breakdown. This displayed the cost of everything and where those costs were going. It says I owed {$0.00}. Confusing right?

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 2021-05-05 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: FL

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act XXXX FCRA XXXX. Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii XXXX, which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX BANKRUPTCY COURT-MOBILE XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation