vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
In 2016, I received a bill for {$1400.00} from XXXX XXXX XXXX. I called them because the notice said, " I was going to be disconnected. '' I spoke to representative they gave me an address of XXXX XXXX XXXX. XXXX, Texas XXXX. It was a commercial business named XXXX 's XXXX. I was not successful on speaking to anyone there. So I called XXXX XXXX XXXX and explained to them that it was not me who used this energy & that my residence at the time was XXXX XXXX XXXX XXXX. XXXX, Texas XXXX. They informed me they couldn't do anything about it and that If I didn't pay I would get disconnected. The disconnection came because I could not pay that large amount out of nowhere and ended up having to use a prepaid light company until I paid a deposit for XXXX XXXX  in which they allowed me to split my deposit payment and get regular service. This was a Identity theft. I did once go to a police station by XXXX XXXX near my place of business. I was told that I couldn't file it there and given some info sheet. 

Nothing has been resolved. I have disputed it many times and it has been placed on my credit report regardless. Plus, they have placed it in collections and recently managed to report it as a late payment. I don't know how this is possible since the damage has been done by placing it in collections but still reporting it as late how is it that possible. It's like knowing they won and still kicking me by reporting it late, changing the dates of the " supposed incident '' allowing it to extent and start over, placing it in collections & as much as I dispute I'm being fed to the dogs and no consideration of what this is doing to my credit that affects my life in general.

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 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On I XXXX I booked a trip on XXXX  very excited about this vacation! Then unfortunately COVID-19 happened and I received an email from XXXX saying they are canceling my trip due to the COVID-19 ... I wasnt too happy and I understand its out of everyones control! So they tell me I can only get a credit that has to be used within a year during a nationwide pandemic and we have no idea when this pandemic will end!! Per there cancellation policy if I can I will receive a credit .... I Didnt cancel the trip they did!!!! So i file a dispute with my credit card company and its been three months and they closed my case & refuse to give me a refund!! In the mean time I lose my job & need my money back from this company that is trying to keep it!! I have no idea when the country is going to get back to normal & I am currently unemployed ... : i cant even believe this company is putting up a fight about this!! I need helping getting my money back all if this was out of my control!!!

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 2020-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I got a letter in the mail from " XXXX XXXX XXXX '' company that they are trying to collect debt for " LVNV Funding LLC ''. This company bought what they claimed to be " my debt '' from " XXXX XXXX XXXX ''. In XX/XX/2018 I filled an ID theft report because the latter bank and " XXXX/XXXX  '' issued credits within one week on my behalf and the cards were maxed out. I discovered that there are two accounts under my name accidentally as I noticed my credit score was dropping. Both accounts were opened in XXXX, while at that time I didn't even live in NY. Unfortunately, I don't check my credit report often so missed these fraudulent accounts for months. I issued ID theft report, put a fraud alert on my account, and contacted XXXX  and XXXX. After few months these fraudulent debts were dropped from my report. Few months ago I noticed that there is a debt collector who bought the debt from " XXXX  XXXX XXXX  '', trying to collect ( {$800.00} ) and again it showed on my report. 
I don't know how these banks opened these accounts on my behalf without verifying my identity. I'm sure that the purchases can be traced to show that this was an ID theft crime and these banks are contributing to the fraud by being reckless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03 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: GA

Complaint narrative:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Name : XXXX XXXX ( TU ) Name : XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( TU & XXXX  ) Address : XXXX XXXX XXXX ( TU & XXXX  ) Address : XXXX XXXX XXXX ( XXXX  & XXXX  ) The following account status is incorrect : XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$11.00} ( XXXX, TU, XXXX  ) ; I was never late. 

The following items are reporting as a result of Identity Theft : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$240.00} ( XXXX  ) XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$520.00} ( XXXX  & XXXX  ) Please remove unauthorized inquiries from my credit file : XXXX   XXXX XXXX XXXX XXXX US SM Bus Admin XXXX XXXX XXXX ( 4 Times ) 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  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX ( 3 Times ) 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 explanation
Consumer complaint received 2020-07-03 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: GA

Complaint narrative:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Name : XXXX XXXX ( XXXX  ) Name : XXXX ( Equifax ) Address : XXXX XXXX XXXX XXXX ( XXXX  & Equifax ) Address : XXXX XXXX XXXX ( XXXX  & XXXX  ) Address : XXXX XXXX XXXX ( XXXX  & Equifax ) The following account status is incorrect : XXXX XXXX - Open Date : XX/XX/XXXX ; Bal : {$11.00} ( Equifax, XXXX, XXXX ) ; I was never late. 

The following items are reporting as a result of Identity Theft : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$240.00} ( Equifax ) XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$520.00} ( XXXX & Equifax ) Please remove unauthorized inquiries from my credit file : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 4 Times ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 Times ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: NY

Complaint narrative:
I have sent " Equifax '' several certified letters 120 and 90 days ago disputing the late payments they're reporting is inaccurate and needs to be corrected as I never been late on any of my accounts. Equifax never responded or corrected the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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:
EXPERIAN AND XXXX  ARE REPORTING 2 PUBLIC RECORDS THAT ARE DISMISSED AND DO NOT BELONG TO ME. I CONTACTED THE BUREAU AND WAS TOLD THAT FURNISHER AKA US BKPT CT CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX HAS CONFIRMED AND ALIDATED THE ACCURACY OF THESE PUBLIC RECORDS ... THEN I CONTACTED COURTHOUSE WHO STATED IN WRINGING THAT THEY DO NOT REPROT OR VALIDATE AND DO NOT COMMUNICATE WITH CREDIT BUREAUS. THEN I CONTACTED BUREAUS AGAIN AND AFTER MULTIPLE CALLS AND A OVER 13 HOURS ON THE PHONE I WAS INFORMED THAT IT IS A XXXX XXXX WHO PROVIDES THIS INFO TO THE BUREAUS BUT IT IS NOWHERE ON THE REPORT AND NOWHERE ON THEIR SITE. HOW IS A REGULAR CONSUMER SUPPOSED TO KNOW THESE " SECRETS '' THIS IS VIOLATION OF MY CONSUMER RIGHTS ... I CONTACTED XXXX XXXX   WHO STATED IN WRITING THEY HAD NO PUBLIC RECOREDS REPORTING IN MY NAME. I RECEIVED A FULL REPORT AND UPLOADED A COPY WITH MY AGAIN NEW DISPUTE TO ALL BUREAUS. XXXX  COMPLIED WITH REGULATIONS AND DELETE THESE ERRONEOUS ACCOUNTS ACCORDINGLY. HOWEVER, EXPERIAN AND XXXX  STILL REPORTING .. I provided XXXX XXXX report stating in writing that I do NOT have public record in my name. I now filed CFPB complaint and will file with FTC and ATTORNEY GENERALS OFFICE ... DELETE IMMEDIATELY THIS IS VIOLATI

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 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Fortiva Credit Card is charging too much in fees. I pay my bill in a timely fashion ; however, the over limit fees and the short grace period to pay the bills is unreasonable. I advise them that due to the pandemic everyone is experiencing some difficulties, my health insurance has increase by {$230.00} and I told them I have no problem in paying the bill but to charge O/L fee due to the account being a few dollars over due to the high interest rate anyway - which is why you incur the fee. I need them to waive the O/L and late fee. 

I asked to have the O/L fee waive and not to charge such rate during these critical times. 
They want to pressure you into having automatic payment which I am not going to agree to - as if you have an emergency these companies will still snatch your money anyway. 

I advised them of the fee on, apx, XX/XX/2020 and I had other previous conversation with them about their fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had a mortgage with Bank of America ( Account XXXX XXXX ). BofA has incorrectly reported that I was late XXXX and XX/XX/2015. I checked my bank records and I made payments to them for those months and was not late.

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 2020-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have tried for months to talk to someone at US Bank to work something out regarding the mortgage loan before it goes to foreclosure. After over 10 hours on the phone with US Bank personnel I am still not able to get anyone in US Bank to take ownership of the situation. The latest indication of either not wanting to deal with it or just incompetence is they sent me to an external bankruptcy lawyer regarding a US Bank mortgage. I'm going to stop making mortgage payments and the property will go into foreclosure because US Bank is too big for their customer service department to comprehend how mortgages work.

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 2020-07-03 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: GA

Complaint narrative:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX XXXX ( XXXX ) Names : XXXX XXXX ( Experian ) Names : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( XXXX ) The following accounts are reporting inaccurate credit status : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$0.00} ; I was never late ; ( XXXX, Experian, XXXX  ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX, XXXX  & Experian ) The following accounts is reporting as a result of Identity Theft or Fraud : UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$160.00} ( XXXX  XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX  ) UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$220.00} ( 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 2020-07-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
FIA Card Services Full acct # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX - DECEASED We have been working with FIA Card Services for over a MONTH to get an updated settlement letter with the lien release verbiage that is REQUIRED PER CALIFORNIA STATE LAW. The current letter they have sent does not address the LIEN that is tied to the property as a result of the judgement. We made it clear from the beginning that we needed this verbiage on the letter and we were assured it would be on the letter. -- -- -- -- -WE HAVE BEEN LIED TO FOR A MONTH!!! -- -- -- -- -- Our title company needs to know that once FIA receives payment the lien WILL be released promptly -- - We are not asking you to release the lien early, or before the close of escrow. 

**********This is the same bait and switch language that BAC subsidiaries and its partners used back in the early days of the short sale crisis to defraud consumers. 

**********Laws in California were passed so that if a settlement is reached the debt collector is required to also release the judgement, and therefore the lien, against the property. FIA seems to believe they can receive money for a settlement and then NOT release the judgement AND attempt to extort money out of the DEAD borrower sometime in the future. 

**********According to the reps I have spoken with over the last 2 days THERE DOES NOT EXIST ANYWHERE IN FIAS LEGAL DEPARTMENTS LIBRARY A LETTER WHICH HAS THIS RELEASE VERBIAGE AND THEREBY COMPLIES WITH CALIFORNIA STATE LAW. -- -- -- -- -- -- Time is of the essence, as not only is there an upcoming foreclosure date, but this property also has multiple other liens, including 2 mortgage liens and an IRS lien, all of which have already sent the appropriate approval letters with the REQUIRED VERBIAGE PER CALIFORNIA STATE LAW. XXXX FIA CARD SERVICES IS KNOWINGLY BREAKING CALIFORNIA STATE LAW BY REFUSING TO PRODUCE THE REQUIRED LIEN RELEASE VERBIAGE. -- -- -- -- -- This is UNACCEPTABLE. I  want the updated settlement letter for {$690.00} that was promised to us 3 weeks ago with the lien release verbiage that is required per California State Law. 

Attached is the previous settlement letter and the authorization letter showing I am an authorized third party for this estate.

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 2020-07-03 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: CA

Complaint narrative:
XXXX AND TRANSUNION ARE REPORTING 2 PUBLIC RECORDS THAT ARE DISMISSED AND DO NOT BELONG TO ME. I CONTACTED THE BUREAU AND WAS TOLD THAT FURNISHER AKA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX HAS CONFIRMED AND ALIDATED THE ACCURACY OF THESE PUBLIC RECORDS ... THEN I CONTACTED COURTHOUSE WHO STATED IN WRINGING THAT THEY DO NOT REPROT OR VALIDATE AND DO NOT COMMUNICATE WITH CREDIT BUREAUS. THEN I CONTACTED BUREAUS AGAIN AND AFTER MULTIPLE CALLS AND A OVER 13 HOURS ON THE PHONE I WAS INFORMED THAT IT IS A XXXX XXXX  WHO PROVIDES THIS INFO TO THE BUREAUS BUT IT IS NOWHERE ON THE REPORT AND NOWHERE ON THEIR SITE. HOW IS A REGULAR CONSUMER SUPPOSED TO KNOW THESE " SECRETS '' THIS IS VIOLATION OF MY CONSUMER RIGHTS ... I CONTACTED XXXX XXXX WHO STATED IN WRITING THEY HAD NO PUBLIC RECOREDS REPORTING IN MY NAME. I RECEIVED A FULL REPORT AND UPLOADED A COPY WITH MY AGAIN NEW DISPUTE TO ALL BUREAUS. XXXX  COMPLIED WITH REGULATIONS AND DELETE THESE ERRONEOUS ACCOUNTS ACCORDINGLY. HOWEVER, XXXX   AND TRANSUNION STILL REPORTING .. I provided XXXX XXXX report stating in writing that I do NOT have public record in my name. I now filed CFPB complaint and will file with FTC and ATTORNEY GENERALS OFFICE ... DELETE IMMEDIATELY THIS IS VIOLATI

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 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
The problem I'm complaining is that I didn't receive sufficient information for my card cancellation information. 

I'm undergoing a house purchasing process through underwriting, so I need a confirmation letter from Citi bank stating clearly my account number, and the date ( XX/XX/2020 ) that I have been successfully canceled my card. My underwriting process is depending on this official confirmation letter because the closing date is closed, and my current living apartment lease is about to end. The confirmation email my primary received only have name on it without any other full information. And I didn't receive the information at all. 
So I requested Citi bank to offer me the official confirmation document by faxing my lender the official confirmation letter. I called Citi bank for three days even by talking to the customer service superviser. They said they refused to give me other choice other than waiting for 7-10 business days ( 2 weeks+ ) for a mail that send to my primary instead of me by physical mail. This would not only ruin my house purchasing process, but also never give authorized card user the right to receive the document. Honestly the card has been canceled, there shouldn't be any security reason that they can't fax the lender to give customer other option to make any negative impact. They are so passive to help the customer and doesn't care customer at all.

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 2020-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
First I must say the calls I getting is to fix credit card debts, I dont have a credit card and havent owned one is 33yrs. Ive explained this to the person call be he still calls. He calls from different numbers, its the same person and he has cursed me and has been harassing me for over a year. He calls all hours of the day over into the night, weekends and holidays. He will repeatedly call back to back. Please help me ... ..Im a XXXX yr old grandmother and its really getting on my nerves. Ive asked to be taken off the call list to no avail and I really believe hes getting a kick out of annoying me and other people. He says hes calling from Bank of America so I reached out to them and they say they didnt have anyone making such calls. When he call he will use numbers that has the same area code as mine. Help me please ... .. 
Desperately Yours, 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