vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I had an account with XXXX XXXX for internet. I closed this account XX/XX/XXXX. At that time I was advised that there would be no additional charges. I then started receiving emails, telling me that a payment of {$66.00} was due, but showing that nothing was due. Sometime around the end of XXXX, XXXX XXXX sent to me to collections, with a company called Convergent. I received a letter from Convergent XX/XX/XXXX, stating that they were authorized to give me payment options, one of these options was to pay {$49.00}, and the account would be considered paid in full. I mailed out a check in the amount of {$49.00} on XX/XX/XXXX, to the address listed on their letter, and with the payment stub that they sent. I then get notification from XXXX for the additional {$16.00}. When I called Convergent this morning ( XX/XX/XXXX ) i was advised that my account was no longer active with them, and that they couldn't help me. That because I sent the payment directly to XXXX and the letter was just sent to me to get me to pay, that XXXX really hadn't authorized this short payment, that they could not help me, that i would need to speak with XXXX directly. When I asked them why they told me to send the payment to XXXX, she said because that is where it was to have been sent.

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 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TD BANK US HOLDING COMPANY
State: KS

Complaint narrative:
I called in paid off my target red card in XX/XX/2019. The card was closed at that time and no additional charges have been made. On XX/XX/XXXX I received information when trying to purchase a car that my target credit card was reflecting past due. 

Confused by how this could be considering the account was paid off in XX/XX/2019, I called the contact center. The call center rep informed me that there was a returned payment on the account, but was unable to provide any additional details and then the call was disconnected. 

I then attempted to contact the call center again to get to the bottom of this. The call center rep at that time was unable to explain why my account was reflecting past due. I advised that I have not received any statements or notification there was an issue with my account until I received a credit alert while trying to buy a car. I requested all statements be sent to me so I can see what happened on my account. I was put on hold and once again the line was disconnected. 

I once again called back to to the call center and requested information regarding why my account was now reflecting past due when I paid it off in XX/XX/2019. The agent once again confirmed my address and said that she " saw '' why I was not notified of this and why i was not receiving any sort of statement from Target. It was stated that there is an internal verification that has to take place and that this never happened on my account and that is why I havent received statements. The call center then put me on hold and i have now been on hold for 25 minutes. 

I am requesting that Target red card remove any negative remarks from all 3 credit reporting agencies as I was not alerted of any issue with this account and none of their reps are able to provide to me the information I need showing that I owe these money to target. 

Target should consider updating their process to ensure customers are receive statements and proper account notifications. This is very confusing for consumers to understand what is happening to their accounts. And that is after I have attempted to contact the call center 4 different times and no one can provide me any details or give me any info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. 

Your agency must also provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I recently discovered I had {$17000.00} missing in my business checking account. They not only emptied my account, they maximized my overdraft too. I now owe all this money. Somebody used my information to create ACH payments. 

The bank ( HSBC ) informed me they won't be able refund me as it was over 48hrs to notify them. I was over sea 's, that was never possible. Their management have been very helpful in beginning an investigation. However, I am still not protected. What other options are available outside of the banks investigation? ( they are contacting the vendor 's who received the payments to request a refund ). To date, the vendors have not refunded us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: NV

Complaint narrative:
I just started montering my credit because I am trying to buy a house, I see an ample amount of accounts on my profile that I have no knowledge of. I want these accounts to be validated and once you see these accounts don't belong to me I want these accounts removed

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 2020-02-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I viewed a copy of my credit report via XXXX in XX/XX/2020 and I noticed an account, listing as collections on my credit report and I do not have a collection account. The account that is listed on my credit report in the name of XXXX XXXX and has an amount of {$4700.00} balance that I PAID and DO NOT OWE. 
I wrote XXXX  and Experian on XX/XX/2020 and asked them to please remove this negative reporting from my credit report and they refused to remove 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 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

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 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

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 2020-02-26 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: NV

Complaint narrative:
I just started montering my credit because I am trying to buy a house, I see an ample amount of accounts on my profile that I have no knowledge of. I want these accounts to be validated and once you see these accounts don't belong to me I want these accounts removed

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 2020-02-26 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I set up a payment agreement XX/XX/2019 with this collections company for a debt that I had. They were supposed to send me updated statements monthly as well as report my balances to the credit bureau month to show my payments and the decrease in my amount. My monthly payments are about XXXX for 6 months and at this time they still have my outstanding balance as XXXX. This is affecting my credit score because it seems as though I havent made payments and its affecting my debt ratio. Ive made several attempts to contact them and they keep saying that they havent received my request or I have to wait.

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 2020-02-26 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: DISCOVER BANK

Complaint narrative:
I was a loyal customer to Discover credit card pay my payments on time and they closed my account and reported me to the credit bureau for no apparent reason they had me to fill out a 99 form to the IRS to verify who I was IRS verify who I was and it's still closed my account for no apparent reason they also reported me bad on my credit report I really need help and I really need something to be done about this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH

Complaint narrative:
I received a notice of collection on a bill that I never received. I went ahead and paid the collection because I didnt want it to make a negative impact on my credit. Afterword I called the creditor, XXXX XXXX to complain that it has been sent to collections without receiving a bill. They claimed they had sent several bills, but said I could go ahead and pay it right then. If this truly went to a collection agency, how could I pay them? It seems to me, that they are sending out collections on bills rather than just sending out the bills. As I understand it, collectors buy the debt from creditors. But I received a bill from the collector, and then the creditor still tried to except money for it. This seems off to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have attempted to get itemized and detailed explanations of unexplained charges from Nationstar/ Mr Cooper . I have sent correspondence directly to Nationstar/ Mr Cooper , sent a QWR, and filed a previous complaint with CFPB. This is my second complaint. Nationstar/ Mr Cooper has responded by sending me loan agreements. The paperwork is not an answer to my request for itemized explanations to the charges. There is no itemized calculation included in the loan agreements. I am now going to specifically request an itemized detailed calculation explaining the XX/XX/XXXX charge for {$22000.00}. This charge is listed as NO DESC AVAILABLE on the account transactions listing sent to me by Nationstar/ Mr Cooper in response to my previous CFPB complaint. I do not understand this charge. I was not explained this charge by being sent copies of loan agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I attempted to create an account for equifax premiere. The system took my {$1.00} but then told me after answering all the verification questions correctly that my identity couldn't be verified. I called the number listed XXXX and a foreign representative asked me another verification question, " do i hav a student loan? if so, who is my lender? '' I answered US Dept of Education. '' She insisted on asking me is there another name they use. I told her several times NO as i was reading the information straight from my equifax report as seen in the attachments and screenshot. She then said my identity was still not accurate. I then asked for a supervisor and someone with a heavy foreign accent name XXXX with ID : XXXX took over the call. I asked him why was my information not verified. After stuttering for a couple secnds, he could not answer the question. I recorded the call and am sending it to XXXX and XXXX, especially after the huge data breach and lawsuit. The system also STOLE {$1.00} from my account but did not produce my order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One # XXXX is reporting a 30 day late to my account in XX/XX/20 that should not be on there. I had made my payment online and thought it went through and I did not realize there had been a system error until I got a late on the account. I would like this late removed, I have had this account for a very long time and have never been late before and this late was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: CL Holdings LLC
State: TX

Complaint narrative:
To begin, I tried contacting XXXX XXXX to retrieve details on information on this credit account. They told me it had already been sent to collections with Jefferson Capital Systems , LLC, and that I would have to contact them directly to review and resolve my account. I also tried to login to XXXX XXXX website using my login information, and they have removed my access and account entirely which has refrained me from any access to review this credit account and details of information associated with my credit account. 

This account opening date is incorrect. The date listed that it was opened is on : XX/XX/XXXX. The correct opening date was on : XX/XX/XXXX. I also know that the amount owed is incorrect. I attempted to contact the company to dispute the errors on XX/XX/XXXX. When speaking with the representative, I tried to explain the errors of information that were incorrect on this credit account. The representative proceeded to not listen and continuously ask me how I was going to pay off my balance. We argued back and fourth. I told the representative that I wasnt calling to pay my balance, I told the representative that I was calling to dispute the errors. The representative would not listen or acknowledge what I was saying by completely ignoring my questions on dispute and instead aggressively asking when I would pay my balance. I finally said that I was not paying anything until the errors on my account were disputed. The representative proceeded to tell me that if I did not pay my balance that day, XX/XX/XXXX, that the representative could not guarantee that my credit report would not be further impacted from refusal to pay. I then proceeded to tell them that I wasnt refusing to pay, I corrected the representative by saying that I was refusing to pay until my dispute concerns regarding the incorrect information on my credit account were resolved. The representative then told me that if I do not pay by XXXX that day, XX/XX/XXXX, that my offer amount to resolve my account would not be valid and that it would further impact my credit negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: American Credit Financial
State: OH

Complaint narrative:
I'm getting a phone call once a month, that talks about processing papers. The suspicious thins about this caller is that they seem to contact people that I have talked to that day, even people that would have had nothing to do with a debt. The number that comes up on the caller id is XXXX, but I'm told to call XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: EQUIFAX, INC.
State: WA

Complaint narrative:
XX/XX/XXXX XXXX # XXXX is reporting a 30 day late to my account in XX/XX/20 that should not be on there. I had made my payment online and thought it went through and I did not realize there had been a system error until I got a late on the account. I would like this late removed, I have had this account for a very long time and have never been late before and this late was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX  XXXX # XXXX is reporting a 30 day late to my account in XX/XX/20 that should not be on there. I had made my payment online and thought it went through and I did not realize there had been a system error until I got a late on the account. I would like this late removed, I have had this account for a very long time and have never been late before and this late was not my fault.

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 2020-02-26 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: WA

Complaint narrative:
XXXX  XXXX # XXXX is reporting a 30 day late to my account in XX/XX/20 that should not be on there. I had made my payment online and thought it went through and I did not realize there had been a system error until I got a late on the account. I would like this late removed, I have had this account for a very long time and have never been late before and this late was not my fault.

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