vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-18 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: Convergent Resources, Inc.
State: DE

Complaint narrative:
XXXX continues to furnish information on credit file. Im unaware of this account. Ive made several attempts to contest to contract, in addition validation of signature, company failed to comply according to FCRA Guidelines.

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 2019-10-18 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have been having issues with Kentucky XXXX XXXX and my credit report. Recently ( this year ) they updated my credit report with late payments from back in XXXX XXXX and I WAS STILL IN SCHOOL! These late payments are impossible when I have been in school since XXXX and I recently graduated ( this year ) I was not supposed to be making loan payments and the representative made it seem like they would handle payments deferred while I was in school. Now I have derogatory accounts showing up and it is only from school loans when I WAS IN SCHOOL! I want these accounts updated because they are affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: GA

Complaint narrative:
I have been having issues with Kentucky XXXX XXXX and my credit report. Recently ( this year ) they updated my credit report with late payments from back in XXXX XXXX and I WAS STILL IN SCHOOL! These late payments are impossible when I have been in school since XXXX and I recently graduated ( this year ) I was not supposed to be making loan payments and the representative made it seem like they would handle payments deferred while I was in school. Now I have derogatory accounts showing up and it is only from school loans when I WAS IN SCHOOL! I want these accounts updated because they are affecting 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 2019-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
More than 200 checks issued to me or my business disappeared in early 2017. By XXXX, they were discovered and by XX/XX/2017 traces completed. All items had been deposited into a Wells Fargo account created by Identity Theft but to which I was denied access to any information regarding the account, who was involved etc. 

A Police Report was filed with XXXX Police in XXXX of 2017 and a claim made with FDIC. To my surprise, the onsite manager of my Bank, XXXX XXXX XXXX, interfered with successful resolution by reporting the items had been previously deposited to my XXXX XXXX   XXXX account by Scan. 

The OCC ruled the items never deposited by any means to my XXXX of XXXX account and therefore my claim for Deposit Insurance didn't apply but in the process verified the checks were never in my possession. 

I still have no information about the account so I may press my rights regarding exposing and stopping the Identity Theft and at the very least making available the means by which the monies can be repaid.

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 2019-10-18 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: MRS BPO, LLC
State: DE

Complaint narrative:
MRS Associates continues to furnish information unaware items on credit file. Requested validation of contract and signature. Company failed to comply according FCRA Guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 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: National Consumer Telecom & Utilities Exchange, Inc.
State: OR

Complaint narrative:
My name is XXXX XXXX and I work for XXXX XXXX, an identity theft protection service. Since XX/XX/2019, we have acted as Power Of Attorney for XXXX XXXX. 

XXXX is a victim of identity theft and one of the actions the identity thief took was opening a XXXX account on XX/XX/2019 under XXXXXXXX XXXX name and SSN. 

On XX/XX/2019, via a conference call to XXXX, XXXX and I made XXXX aware that the account was opened fraudulently in XXXX 's name. XXXX has since cleared the account as fraud on their end, and have provided ticket # XXXX as confirmation, yet the account and two associated inquiries are still showing on the National Consumer Telecom & Utilities Exchange. 

I sent a dispute to XXXX and the National Consumer Telecom & Utilities Exchange on XX/XX/2019 and then again on XX/XX/2019. In both cases I sent power of attorney, proof of address spanning many months, drivers license, W-2 as proof of social security number, police report, and FTC ID theft affidavit. These were mailed by the post office. I am attaching them to this Consumer Financial Protection Bureau complaint. 

On XX/XX/2019 XXXX left a VM for me confirming they received a complete fraud dispute packet and an investigation has started. 

Both disputes to the XXXX XXXX XXXX XXXX XXXX XXXX were replied to by simply sending me a credit report and confirming a fraud alert was added. The removal of the fraudulent XXXX records was not completed and no explanation was provided. 

On my second request, I advised it was my second request, and that if necessary, my third request would be sent to them through the Consumer Financial Protection Bureau. 

On XX/XX/2019 the XXXX XXXX XXXX XXXX XXXX XXXX sent another credit report and it still shows XXXX inquiries and a delinquent account with XXXX. 

These need to be removed as they are a result of fraud and I have provided all necessary documents to clear it as such, as early as XX/XX/2019. 

Both the XXXX XXXX XXXX XXXX XXXX XXXX and XXXX needs to review their fraud handling process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: VA

Complaint narrative:
Hello. 

I received a collections letter from MRS BPO , LLC. regarding a {$840.00} debt owed to XXXX. I contacted XXXX resolutions team in addition to their collections team and this debt is unbeknownst to them. In addition I do not have a XXXX XXXX account. I explained this to MRS representative and she stated that I can call back in 2 weeks to see if XXXX has dismissed the account/bill. I became suspicious when she stated she could not provide me the telephone number or the any other demographic information that a collections agency should possess if they are legitimate in handling a legitimate account. In addition I never received delinquent pay notices or final notices from XXXX XXXX prior to account submittal to this so called collection agency. 

Here is the info : MRS BPO , LLC : XXXX XXXX XXXX, XXXX XXXX NJ, XXXX. 

This company is listed online for reviews as a scam. Shame on you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Institution Information Syncb XXXX, FL XXXX ( XXXX ) XXXX Hard Inquiry? National Credit Cards/Airlines?

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 2019-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc
State: NV

Complaint narrative:
Today XX/XX/2019 First time I tried to call this company that has negatively impacted my credit it appears since XX/XX/2019. 

I contacted this company via telephone to get some understanding or dispute it if possible and I was connected eventually to a person named XXXX I was told. Her real name despite asking and even speaking to someone under her named XXXX lied and told me it was XXXX not XXXX or even XXXX - unsure of who is in charge at the place affecting my credit negatively upon first call ever. You can probably see based on what I have just said how this doesn't sound good. Never the less I was told she doesn't have a supervisor and later that the supervisor she doesn't have doesn't take calls from the floor. I asked for that persons name over and over and was refused to be given an answer - the person that lied about how her named was spelled numerous times and clarified if this was the full spelling and accurate spelling and lied over and over is named XXXX - some guy apparently after trying to get the owners name of the company since the person in charge is just hanging up on me and her employees under her just lie about who you are speaking to this has gone absolutely no where. I can not believe people could act so immaturely after calling about something this serious. I have since filed complaints everywhere possible except the County today and I will be mailing off my complaint to them tomorrow. There is no excuse for people acting this way and not being able to get information when calling about something that has this much of an impact on someones life. They clearly feel they can say or do whatever they want with no reprocussion. I feel bad for anyone that has a substantial amount owed from these people. I have since reached back to the DR office that initially reported this and explained what happened when calling them for the first time and am supposed to get a call back by end of business today about what they can possible due regarding the account at hand and the non sense mentioned taking place by these less than responsible people at PLUSFOUR inc in XXXX XXXX nv. Thank you

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 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
yes I have been with citi bank for a long time and i'm trying to applied for a Costco credit card since I shop there often but they keep on denying me even when I have a high credit score, what is the deal citi bank why can't I applied for a Costco credit card

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 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for the Chase Business United MileagePlus Club card using this link : https : /XXXX XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX About a week later, I was approved and received my card in the mail. However, it was the XXXX XXXX XXXX XXXX card and not the business card which I had applied for. 

I tried calling to explain about this issue and received various ambiguous answers. The first time I reached out, I was told that the card I received was indeed the business card. The second, third, and fourth times I called, I was told that this was a personal card and that they can't change it for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
We were submitting documents to Specialized Loan Servicing in 2017 and at one point we received a payoff quote, along with the payoff quote we received a Disclaimer. 

The Disclaimer reads as followers : We are required by regulation of The New York State Department of Financial Services to inform you for the following information. This information is not legal advise. 
Your creditor or debt collector believes that the legal time limit ( statue of limitations ) for suing you to collect this d

ebt may have expired. It is a violation of the fair Debt Collection Practices Act, 15 U.S.C.1692 et seq., to sue to collect on a debt for which the statue of limitations has expired. However, if the creditor sues you to collect on this debt, you may be able to prevent to prevent the creditor from obtaining a judgment against you. To do so, you must tell the court that the statue of limitations has expired. Even if the statue of limitations has expired, you may choose to make payments on the debt. However, be aware : if you make payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statue of limitations on the debt, the time period in which the debt is enforceable in court may start again. 

If you would like to learn more about your legal rights and options, you can consult an attorney or legal assistance or legal organization.

SLS Contact Information : Specialized Loan Servicing, LLC XXXX. XXXX XXXX XXXX, CO XXXX This letter was received after entering into a loan modification. 
We had an Attorney contact Specialized Loan Servicing and was able to get absolutely no information. 
We have tried to speak to SLS but all they say is that we gave you a loan modification. 
Each month even though we have made payments they send us a new loan modification package. They have admitted that the collection of the debt has expired. 
PLease help us with this situation.

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 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have signed up for Wyndham Credit Card through Barclays Bank, they advertised a promotion of 15,000 points after the first purchase. I made a purchase within first month and they have not come through their promise. I contacted the bank several times because the bonus points did not show up, without success.

Af first they said I had to wait up to 12 weeks, when the 12 weeks passed they changed the story saying I needed to spend XXXX dollars minimum which was not in their marketing material. 

The account was open XX/XX/2019, for a Wyndham Visa Rewards card, no annual fee version. as stated in their terms : " Cardholders will earn 15,000 Wyndham Rewards Points upon the first use of the card for a purchase or balance transfer. '' I have made a purchase within the first month meeting the requirements as stated by their terms. The time for bonus points to post to the account are 8-12 weeks which passed without fulfilling the bonus.

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 2019-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: IL

Complaint narrative:
i bought a XXXX with XXXX XXXX and XXXX XXXX as the loan company. They told me in able to get the loan i had to sign to get gap insurance so i did i know im a little slow and stupid but when the company went bankrupt they transfered our loans to westlake financial and they informed me of a credit of XXXX for the gap ins that was isued to them when the company transferred the loan westlake has told me that they dont know anything about it and that there is missing paperwork in my file i asked them to refund me the XXXX but they dont know or dont want to because they said they can not refund it to me but they can apply a credit but i was never informed of this change.i spoke with mr XXXX from westlake financial

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I have a conventional loan with PMI at flagstar bank, the principal is under 78 % the value of the home, and I requested the PMI be removed. They didn't respond to my first request so I made a second request and they demanded I pay them {$150.00} for a new home valuation. However when I got the loan I was informed the PMI would be removed once the principal was under 80 %.

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 2019-10-18 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I noticed an increase on my loan amount from XX/XX/XXXX for over XXXX, with Fifth third bank. I have tried to talk to them to explain to me about these discrepancies. Today XX/XX/XXXX I called 4 times and every customer service representative has either transfer me and hanged up on me before I can get this issue resolved. I am very disappointed as to how Fifth third bank has handled this issue. These information appeared 2 weeks ago because on XXXX, XXXX and XXXX. I am trying to purchase another property and I can not do it without them changing the information. It appears to me that there is some fraud activity going on and they don't want me to know or to give up clarifying. I have requested for the Fraud Department mailing address and it was not provided to me. I wish some more people come forward and report any of these similar activities with their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
Someone was able to gain access to my Western Union online account and they tried to send money to an individual by the name of XXXX XXXX  XXXX XXXX XXXX XXXX. I received an email notifying me of the transactions being made and went ahead and cancelled the transactions and notified my Bank of the fraudulent activity and removed my payment information from my Western Union account. I tried changing the password and was unsuccessful, so I contacted Western Union via a chat session. While, I was online resetting my password the Hacker was able to regain access to my account and add additional debit cards that were not mine and tried to send more money via my account. I was not able to cancel one of the transactions so I informed the chat agent of the situation and he was able to suspend the transaction, since I reported it as fraud. I was then advised to contact Western Unions fraud department and they were able to further assist me with canceling the transaction and deactivating my account. While on the phone with the fraud department the hacker once again tried to make another transaction, and I was able to cancel it. I reported this to the agent and she was able to flag it as fraud. While on the phone with Western Unions fraud department the hacker tried to call me and perform a vishing attack, the person called me from the following number : XXXX. I reported it as spam online and with my carrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: CA

Complaint narrative:
Removing a 30 day late recorded in XX/XX/16 and removing a 60 day late recorded in XX/XX/16. 

I had opened up a secure credit card and began using it to help build my credit rating. I was told to use it and then pay it off every month to maximize my score. I had maintained a {$0.00} balance for almost two years on this credit card. One day I was notified that I had an outstanding balance and that it hadnt been paid for 2 months. I called to inquire about this outstanding balance because I had always paid it to {$0.00}. I was given no answers on what the charge was for and had my credit significantly lowered as a result of this mistake. 

I am unable to get anyone to provide details on why these late payments were recorded on my credit profile. This is severely impacting my credit score and prohibiting me from securing financing on a home loan.

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