vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Notification of legal responsibility is the first essential of due process law. Also, see XXXX v. XXXX, XXXX XXXX XXXX. XXXX. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

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 2020-04-24 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Re : Notice of Dispute Pursuant of the Federal Fair Credit Reporting Act I recently obtained a copy of my consumer 's credit report and dispute the completeness and accuracy of the following information. This information is injurious to my consumer report and I request that it is corrected immediately. The information I am disputing is as follows : Please remove this from my records. It is inaccurate/outdated information. Date opened states XX/XX/2012 more than 7 years old. The act states negative items must be removed from the credit report seven years from the first date of delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I called Credit Acceptance and explained that I was in furlough. I was informed that there was nothing that could be done but to make payments on the account. I then explained to the agent how the cares act had established some guidelines or It was my understanding that Credit Agencies or any agency had to attempt to help us. The agent then mentioned he could place my account in some type of status but still would report late to the credit bereaus and even if I did not make any payments my car would not be repossossed. I have not received anything in the mail or in writing that explains my conversation with me and the representative over the phone. I feel like he just did not want to help and I am under the belief since the pandemic has cause this, late payments should be defferred to prevent getting a bad credit rating. Please help, Since I have a XXXX I am also requesting reasonable accommodation with the ada or adaaa, This is very troubling times and having a XXXX only makes it worse.

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 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: GA

Complaint narrative:
On XX/XX/XXXX, I wrote a dispute letter to Equifax regarding an invalid collection account that is reporting on my credit reports. Specifically, the letter reads the following : Dear Customer Service Representative, I recently viewed my credit report and see you are reporting incorrect information. 

I never had a collection account with 06 XXXX  Acct # XXXX. Please delete this account from my credit report and send me an updated copy showing the results. 


As of XX/XX/23, I have not received a response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
On credit report, they claim the account was opened on XX/XX/2018 and I owed {$91.00}. I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: LEXISNEXIS
State: OH

Complaint narrative:
I have a few items that I need to review for some legal proceedings. I would like a a full report and my full XXXX from LEXIS NEXIS. Please forward me a copy of my XXXX XXXX and XXXX XXXX reports as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I have a few items that I need to review for some legal proceedings. I would like a a full report and my full XXXX  from XXXX XXXX. Please forward me a copy of my Sage Stream and XXXX XXXX reports as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
Allstate Credit Bureau false impersonated my identity to XXXX Credit Bureau. There company falsely obtained my credit information by misrepresentation of themselves. They stated to the credit bureau I tried to obtain credit from there company which resulted in a hard inquiry being place in my credit report. 

I never tried to obtain credit from Allstate Credit Bureau nor did I give them authorization to run my credit. 

The debt they are claiming I owe is a result of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have called Bank of America many times to try to get a card for my unemployment benefits multiple times. They tell me they can not help me and that I have to call the third party who is in charge of the cards. When I call this number, the recording just hangs up on me after stating no one is available to help me. There are no websites or any other available way to get in touch

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 2020-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: HI

Complaint narrative:
This Debt does not belong to me but my Father in Law who already passed away, so please have this Debt removed from my Credit ASAP - thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied for a mortgage loan in the amount of {$110000.00} with Bank of America on XX/XX/2020 with a loan officer I was referred to. The first officer called and said that my debt-to-income ratio was too high, and he couldn't further assist me ; I had a solution for this and when I tried to reach out to him he ignored my phone calls and voicemails. Then I was referred to another Loan Officer who started off stating that she would take care of me during this process and shortly after the communication become poor. She ignored my emails and phone calls and only responded when my realtor reached out to her. In this process we lost an unnecessary and substantial amount of funds to meet loan/program requirements. I provided everything asked of me by the loan processor via email ; and several weeks later I received a phone call after appraisal stating that I don't meet loan requirements due to overall balances on credit bureau being too high. I then received a letter on XX/XX/2020 denying me still ; yet stating another reason other than what I was told by my loan officer verbally. At this time, I am requesting for my loan to be reviewed for inspection by a higher management. With all the programs Bank of America offers there should have been a better decision. There was a lot of effort put into this process by my wife and I ; we are highly disappointed in the outcome with this failed purchase of our first home. 

Earnest Money : {$1100.00} Option Fee : {$130.00} Inspection of House : {$380.00} The debt that I was specifically told to pay by my loan officer to bring debt to income ratio down below 50 % in the amount of ( {$10000.00} ) which brought me down to 46 % debt-to-income ratio.

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 2020-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am very upset with my banks customer service they didnt want to help me at a time that I needed them most I was at the drive thru and didnt have my debit card on me and have always heard from them that I can make a deposit without a debit card I called multiple times no one would assist me with this concern very bad service hold times and the. They dont help I was just sitting in my car not knowing what to do and my bank not wanting to help me shameful of them and I forgot my debit card pin I thought I could choose or reset it on their mobile banking app they would not help me this is not nice a check order to I requested they reimburse me since the way I was treated when placing the order they refused to transfer me to their check vendor XXXX XXXX horrible experience I ask that they call me immediately and go over my concerns with me Bofa call me immediately Im very upset with the way I have been treated and the service I have received

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 monetary relief
Consumer complaint received 2020-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I wrote a dispute letter to Transunion regarding an invalid collection account that is reporting on my credit reports. Specifically, the letter reads the following : Dear Customer Service Representative, I recently viewed my credit report and see you are reporting incorrect information. 

I never had a collection account with XXXX Acct # XXXX. Please delete this account from my credit report and send me an updated copy showing the results. 


As of XX/XX/XXXX, I have not received a response from Transunion.

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 2020-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I see multiple 90-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
On credit report, they claim the account was opened on XX/XX/2020 and I owed {$1200.00}. I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been having issues with Equifax since XX/XX/2019. They have not updated items on my credit report since XXXX, I can not contact anyone, I faxed and MAILED letters to them. I have not yet to receive a response. I am in the process of obtaining a home loan and the items that has not been updated is affecting my ability to obtain my loan. I cant dispute online, I can't get in contact with anyone on the phone, I am at a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Well I had many problem with this Company starting in XX/XX/2020. The finance company decide to shut down the web-site. We  could not make our payment in time. Our payment is due every month on the XXXX of each month. The web-site was down from the XX/XX/2020 until XX/XX/2020. But we went on vacation from the XX/XX/2020 until XX/XX/2020 so soon we got back i paid my XXXX cents. But the finance company still charge us XXXX dollar late fee. Even there knew that this company did wrong. charge us late fee it was them to decide to shut down the web-service. But anyway in XX/XX/2020 we paid the finance company XXXX and in XXXX we paid XXXX this month we paid only XXXX even our payment is only XXXX a month. Through the corona-virus the situation even got worst. The company offer a 120 days payment delay what would be terrible you still own all the finance charges in my case by 16.78 % I would own XXXX just on finances. It would take me just 4 month to pay for all finance charges. The other is I use 5 different Auto loan software to calculate my loan. Loan amount is XXXX by 16.78 % and 72 payments every loan give me XXXX. How did ally Financial figure XXXX. It is my believe that this amount is incorrect and it should be 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 2020-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX  XXXX Capitol one XXXX  XXXX  XXXX XXXX are all reporting me to XXXX XXXX I never had a bank account with these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: CA

Complaint narrative:
On XX/XX/2020 I applied for a loan through the U.S. Small Business Administration for my restaurant and I was immediately denied due to negative accounts on my credit profile. Although they could not tell me who they accounts were from they advised to me to review my credit report. After reviewing my credit report I found many negative accounts and multiple inquiries that do not belong to me. I have never authorized these accounts to be opened in my name or with my social security. I don't understand how someone was able to open an auto loan under my name. I have never received any money or merchandise from any of these lenders listed in this report. I have also filed a police report with the XXXX Police Department. Please immediately remove these accounts from my credit profile and delete any addresses not associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On credit report, they claim the account was opened on XX/XX/2018 and I owed {$530.00}. I don't owe.

Company response to consumer: Closed with explanation