vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I sent a letter to Convergent Outsourcing , Inc dated XX/XX/2021 requesting debt validation. Instead of sending proper debt validation, I received a letter from Convergent Outsourcing , Inc, dated XX/XX/2021 indicating : X This debt is valid, attached is verification of the debt. 

Attached to the letter were XXXX statements. 

Convergent Outsourcing , Inc., did not properly validate the alleged debt according to applicable debt collection laws. Convergent Outsourcing , Inc., failed to provide a signed contract between myself and their company. Convergent Outsourcing , IncXXXX, failed to provide proof of a business relationship between them and XXXX. Convergent Outsourcing , Inc., failed to provide proof that I legally owed the debt they are attempting to collect.

To CONVERGENT OUTSOURCING, INC., and all Agents or Assigns : I am in receipt of your computer-generated letter dated XX/XX/2021, unsigned, unverified, unvalidated statements alleging a debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 
I have no recollection of a business relationship with Convergent Outsourcing , Inc. ( CONVERGENT OUTSOURCING, INC. ). Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and Convergent Outsourcing , Inc . 

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme pursuant to 15 U.S.C. 1692. 

Please send me a certified copy of your license to collect a debt in California. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved,

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 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Sunrise credit services keeps calling me about 10 times a week to collect a debt that i do not owe. The person they are looking for is a relative who never used my phone number as their contact info. i called 3 times and asked to be removed. The reps state everytime i was being removed but the calls wouldn't stop. I called today again spoke to a rep and explained the situation she said i had not been removed and that she would remove me from the call list. At that point i asked to speak to a supervisor. I was told by the rep that i did not need to speak to a supervisor since she would only do the same thing she did and said i was being removed and hung up on me. The calls are still coming. I have spoken to 4 people to stop calling me over a debt i do not owe and they are not complying and i think at this point that is considered harassment.

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 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint due to the fact that I have made several attempts to get this error fixed on my credit report. I started disputing this particular account on XX/XX/21. Following that letter, I also sent another letter on XX/XX/21, XX/XX/21, XX/XX/21, XXXX XX/XX/21. I have been requesting that this erroneous information is removed from my account due to the fact that the account is stating that it is open and it is a collection account which is factually incorrect. A collection by default is already a closed account and it should not be reporting this way. I have the right to a complete and accurate credit report and it is clear that the way that this account is reporting is a direct violation of the FCRA. At this point I feel like I am being ignored. This error is highly detrimental to my credit score.

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 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting a fraudulent account does not belong to me ( XXXX {$7400.00} ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: WI

Complaint narrative:
Unauthorized Inquiries that I didn't authorize and asked Equifax to delete per FCRA 605b. Equifax refuses to comply with FCRA guidelines and delete inquiries in question which are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XX/XX/XXXX FTC Report filed # XXXX. 

Furthermore despite going through Equifax Portal report # XXXX Equifax is violating my consumer rights by refusing to delete an inaccurate address and refuses to remove fraud alert as well as a personal statement that I did not ask for or authorize. I am unable to get anyone on the phone either. I've sent numerous letters with proper ID verification as proof of who I am. Equifax refuses to comply with regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: WI

Complaint narrative:
Unauthorized Inquiries that I didn't authorize and asked Equifax to delete per FCRA 605b. Equifax refuses to comply with FCRA guidelines and delete inquiries in question which are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX FTC Report filed # XXXX. 

Furthermore despite going through Equifax Portal report # XXXX Equifax is violating my consumer rights by refusing to delete an inaccurate address and refuses to remove fraud alert as well as a personal statement that I did not ask for or authorize. I am unable to get anyone on the phone either. I've sent numerous letters with proper ID verification as proof of who I am. Equifax refuses to comply with regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: MI

Complaint narrative:
On XX/XX/2021, I received a letter in the mail from XXXX that the Chapter XXXX Bankruptcy on my Consumer Report was removed. On XX/XX/2021, I opened a dispute with Equifax ( Confirmation number XXXX ) to have the Chapter XXXX Bankruptcy removed, and on XX/XX/2021, they completed the investigation by responding with the following : Public Record Information This section included public record items Equifax obtained from local, state, and federal courts through a third party vendor, XXXX. 

However, on XX/XX/2021, I wrote a letter to the Clerk of Courts for the US Bankruptcy Court for the XXXX XXXX of Michigan asking if they report any public records information to the Credit Reporting Agencies or any Credit Bureaus. They responded with a letter that they do not as it is against the law to do so. 

So this public record information should not have come back as verified, because there is no source to verify it or that's reporting it. 

As of XX/XX/2021, I opened another dispute ( Confirmation number XXXX ) asking Equifax to reinvestigate this information and I have uploaded the same supporting documents which I have included in my complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I visited TransUnion 's website, transunion.com, to view my credit score. I clicked on the bright yellow button in the top right corner titled " GET YOUR CREDIT SCORE '' [ Page 1, ANNEX-1 ].

In the top, the title read " Be in the know with TransUnion see your credit score NOW ''.

Nothing clearly stated - that I was in fact about to signup for a membership with a monthly commitment. Only a small inconspicuous box to the right ( That I discovered after ) has the wording : " Credit Monitoring for $ XXXX ( plus tax where applicable ). '' No terms are shown anywhere. 

On the next page, I'm asked to enter my credit card. I didn't find the disclosure of my credit card odd, as TransUnion is a credit agency, and I assumed it was part of the process to retrieve my personal data. 

At this point, no breakdown of any membership, potential cost, or terms is stated. 

Upon clicking next, I get a message from my bank that my card has been charged. 

In my mind, there is no doubt that this registration process was designed to trick people into opting in for an unwanted membership. No confirmation box to check. No summary of the proposed transaction. No statement of any potentially applicable tax ( Otherwise stated in the hidden-away box on the previous page ). Finally, no statement of any recurring payments. 

One could argue this constitutes as unlawful under several sections in federal law 15 U.S.C. 8402 ( ROSCA Restore Online Shoppers ' Confidence Act ). Section A.1.A, A.1.C, A.2.B.

As you are aware, this is not the first time TransUnion has acted unlawfully in an attempt to trick consumers into memberships, as it's stated in Stipulation File No. 2017- CFPB-0002.

https : //www.consumerfinance.gov/enforcement/actions/transunion-interactive-inc-transunion-llc-and-transunion/ When calling the TransUnion, I was routed around to overseas representatives, who were extremely poorly trained. I was not able to reach a line manager, but was promised a refund. A refund I am yet to receive. Their website offers no obvious way of contacting by email, mail, or chat.

Please don't hesitate to reach out to me for more 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 explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I have contacted AWA Collections, this company via phone as well as certified letter to validate my debt. The refuse and use a po box listed on consumer reporting agencies sites to avoid having consumers send certified mail. The day after I spoke with them on the phone they proceeded to make more claims on my XXXX credit report for the debt. The debt listed is more than the original amount. Also the have listed the same debt on my credit report 2 times to make the debt outstanding again so that I have to re-submit a debt validation letter that they will not be able to validate again. They are negatively effecting my credit report and this practice is fraudulent. In case others may have this issue after a XXXX search I have learned that there address is XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: U.S. BANCORP
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$6200.00} // Charge Off US BANK XXXX Date opened XXXX XXXX, XXXX Balance - // Late Close

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 2021-10-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
JPMCB CARD XXXX Date opened XX/XX/2014 Balance {$9000.00} // Charge Off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Resources, Inc.
State: NM

Complaint narrative:
I am not liable for this debt with XXXX XXXXXXXX XXXX  XXXX and I do not have a contract with XXXX plus they did not provide me with the original application like I asked. 
Account XXXX : XXXX Amount Disputed : {$99.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
I have tried diligently to contact Arvest Central Mortgage to request the complete loss mitigation evaluation process and Im never able to get through to a representative. Im just placed on hold and forgotten about. Im a XXXX XXXX citizen, and have documented these interactions. Furthermore, the company is moving forward with the foreclosure process despite the CFPB rule regarding the pause on foreclosures as a result of the pandemic until XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 
TD BANK NA XXXX Date opened XX/XX/2012 Balance -- // Late Close

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Freedom Mortgage Company
State: FL

Complaint narrative:
This started back in XX/XX/XXXX with Freedom Mortgage when I was separating from my estranged husband and this company ignored all documentation sent for a Deed In Lieu of foreclosure request. 

They had us fax the documentation and then wait for a response. I never received any acknowledgement of the receipt of my paperwork despite constantly writing and calling. 

The home eventually foreclosed and I was going through too much at the time ( hospital stays, loss of a job at a company where we both worked ) due to the ending marriage, etc ) to keep fighting with them. 

Fast forward to XXXX and after the devastation of the pandemic, I have being calling them time after time to find out why there's still a balance on my credit report despite them telling me over the phone that I owe nothing. 
1. The balance they have is bringing down my XXXX score, but it is reported correctly on XXXX. 

2. I've disputed this many many times, and the amount has changed a few times but not to {$0.00} like they said it should be. 

3. I've called and they said they could provide written documentation, then turned around 2 business days later to say they couldn't. 

4. They told me to email their credit department because they could get me a copy. SURPRISE, they never answered the email.

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 2021-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX of XXXX I received a letter from XXXX XXXX 's clinic in XXXX, NJ that I owed a debt for getting blood testing done at her clinic. However, I have never seen her. She is affiliated with the hospital I work for, but does not directly work for them. What we realized was that her ACTUAL patient was misidentified as me ( the clinic thinks our date of birth or last names were similar ). The clinic has access to my hospital 's central database, called XXXX, which is how she was able to access my account. My employee profile was mistakenly put as the patient 's. I actually get my blood reporting done for free through the hospital lab, as part of my mandatory yearly health screening, so I would have no need to go to a completely different clinic, pay a copay, and have it sent to a random testing company when I could do it for free while at work. 

The blood testing was sent to XXXX XXXX. While it is unfortunate the doctor 's office never resolved the issue with XXXX, I don't see why I am being asked to pay another patient 's debt. It was clearly another person 's blood being tested, not mine. 

I communicated this with XXXX on XX/XX/XXXX, when they sent me a billing notice. I called to rectify the issue, and Quest told me I had to tell them who the actual patient was since it was not me, but I told them that was impossible as it violated HIPAA. But the doctor 's office also could not tell them who it was as the patient was long gone and they didn't actually know who it was ( the clinic has no paperwork actually signed by the patient, they just took the insurance cards and IDs from my account ). XXXX  told me they would call the doctor 's office to confirm. That was the last I heard from them. 

XXXX Credit Collection Services in XXXX, MA contacted me. They claimed I owed this debt, even though I had communicated the issue to everyone involved. I asked them to prove it was me, and they could not, they just sent a bill claiming I had to pay {$170.00} for the blood testing. As a third-party company, they are not allowed to see private medical records as that would violate HIPAA. That is why they have no evidence as to who the actual patient is, they aren't allowed to have it. And that is why I know for a fact they have no reason to accuse me of having this debt. 

I went well beyond what I even should have done, as it's Dr. XXXX 's clinic that is at fault for not even doing the bare minimum in verifying who their patient was. I would Credit Collection Services to immediately remove my name from this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Syncapay, Inc
State: FL

Complaint narrative:
I received a digital prepaid VISA card with a loaded amount of {$50.00} on XX/XX/2021 through a site called prepaiddigitalsolutions.com. When I attempted to use the balance of the card ( {$23.00} ) the other day, payment would not go through. After going back to the site to inquire about the account details, a message popped up stating " the card you are attempting to access has expired and pass the eligibility period for access or replacement. '' I contacted support and was advised that the card is no longer eligible to replace, however there was still an unused balance that was left on the card. I believe the money has been stolen from me without my consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
I sent them a affidavit of truth, violation according to fdca. And other documents. Also Ms XXXX XXXX XXXX of XXXX XXXX XXXX contact me about a debt but say they wasnt a debt collector who is affiliated with Flagstar. I advice them of the FDCPA violation, But they still proceeded. And they never responded to the affidavit of truth.

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 2021-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC.
State: WI

Complaint narrative:
I was originally financed for a vehicle through a company called Exeter Finance. I recently refinanced with XXXX XXXX XXXX XXXX. XXXX XXXX  sent the check out XX/XX/2021. It was cashed and deposited XX/XX/XXXX XXXXExeter is saying they have not received the check. It has clearly been cashed by their company. We sent it to the correct address made out to Exeter Finance. The cashed copy shows that the check was not tampered with. Customer Service has been unhelpful and unwilling to let me talk to management. My account with them remains open even though they have recieved {$13000.00} for the payoff.

Company response to consumer: Closed with explanation