vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have called Convergent outsourcing numerous of times asking for assistance to have this account disputed. I spoke to a representative the end of XXXX who advised they were going to call XXXX to dispute. I than recieve a letter on XX/XX/XXXX stating the account is valid and they couldn't remove the debt. I reached out to XXXX Collections on XX/XX/XXXX they advised the account was placed in collections in error. They advised the account was closed out and told me they were going to resolved the situation by reaching out to Convergent. I was told that Convergent outsourcing was going to send me a letter for proff of closure of the account. I called Convergent today XX/XX/XXXX to check the status and someone I spoke with said the balance was still owe. This is fraud and none if their team members are trying to assist. They are trying to make us pay for something that is not valid n I'm upset with run around they are giving. We don't owe any money and they refuse to closed the account which is negatively impacting 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 2020-04-16 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My monthly gym payment to XXXX got charged twice. I the online account it shows two payments equaling {$50.00} on XX/XX/2020. When I contacted Citibank, they said the payment is pending, but the total amount is is my account balance.

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 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I had the house sold and could not get a Mortgage payoff since XX/XX/2020. They have given me a number of excuses but still no payoff. Now the house is probably going to go into foreclosure.

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 2020-04-16 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: Continental Finance Company, LLC
State: CA

Complaint narrative:
Unauthorized use of credit report and/or deceptive or fraudulent practices for obtaining credit report when companies indicate only a soft pull on XXXX and XXXX Credit Reports.

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 2020-04-16 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: Scott Fetzer Financial Group Inc.
State: CA

Complaint narrative:
Unauthorized use of credit report and/or deceptive or fraudulent practices for obtaining credit report when companies indicate only a soft pull on XXXX and XXXX Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: One Technologies, LP
State: MA

Complaint narrative:
On XX/XX/XXXX, I checked my bank account and saw a charge of {$29.00} from a company called " National Credit Report.com ''. Upon further examination, I discovered I'd been charged that amount for at least 2 years and immediately found a number to call online. When I described the issue to the agent on the phone, she informed me I'd actually been charged this amount ( {$29.00} ) for more than SEVEN YEARS, which at least amounts to {$2500.00} with no knowledge on my part that I had ever signed up for this " credit monitoring service ''. She said it appeared my dad had likely signed me up for this service years ago under the lure of a free service ( for a limited time ), but I had no knowledge of this, they never tried to update contact information or reach me, the named " client '', which I just find to be unbelievably predatory. She also said the corporate office would be in touch with me within 5-7 business days - I just heard from them today ( XX/XX/20 ) in the form of a VERY hostile phone call from an agent who said the " onus is on you for not realizing this for 7 years '' among other things that did not lead me to believe I'd be getting a fair investigation from their corporation office. In case it's helpful, the complaint # they gave me is : XXXX. 

I also did some digging, and it appears the parent company had to pay {$20.00} XXXX to more than 140,000 consumers for what the FTC called " an online scheme that lured '' people into signing up for services like this https : //www.ftc.gov/news-events/press-releases/2016/09/ftc-return-almost-20-million-consumers-lured-credit-monitoring I'm not confident " National  Credit Report '' will cooperate at this point but would deeply appreciate the help of the CFPB especially now ( coronavirus ) - I simply can not afford to let that money go.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I mailed a 2nd letter to Experian requesting inaccurate information be removed from my credit report. I was notified on XX/XX/XXXX that the information was received and I could view the results online. As I logged in to the view results I was advised I could NOT view results online and needed to call. I called In and was advised they could only update my address and then the new updated address is still INCORRECT! My address is XXXX XXXX XXXX XXXX, GA XXXX. I enclosed a copy of my drivers license, social security card and utility bill AGAIN and they have still refused to remove addresses that are not deliverable to me. From my understanding of the state and federal laws of reporting that no entity has the right to retain, report, transfer, sell or utilize any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and any not compliant information. 

I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any other addresses to be retained or reported, I am requesting Experian delete them NOW or produce proof of their legitimate authority to retain much less report inaccurate without infringing my consumer rights. 

The addresses Experian has listed are NOT DELIVERABLE TO ME and I am requesting the IMMEDIATE removal for the following addresses again : Address # 1 NO LETTERS XXXX, GA XXXX Address # 2 XXXX XXXX XXXX XXXX, Ga XXXX Address # 3 Unknown, XXXX, GA XXXX Address # 4 XXXX XXXX XXXX, XXXX, GA XXXX The removal of unverifiable and inaccurate information is a violation of federal statute!

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 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
We/I made it clear that the reason for making a bank account in such a distance from our locations is to make accounts at banks that have significant distance barrier from where we are. ( Preferably places where banks have no employees or branches near our residence ). This all happens to coincide while launching a litigation with a local bank in VA. ( 1 ) On XXXX around XXXX XXXX PST  representatives addressed no such concerns. And two external transactions for credit cards were made on XXXX. ( 2  ) Returned a voicemail on XXXX at XXXX XXXX from/to XXXX XXXX but no response was given. ( 3 ) On XXXX at XXXX XXXX PST, Suntrust claimed that mobile access was suspended due to an " investigation '' that was started on XXXX. ( 4 ) However on XXXX at XXXX XXXX, weeks after mobile access was disabled, an email was sent to ask us to check a letter via mobile access. ( Meaning mobile access should have been possible during the time Suntrust was processing this " account closure '' request from us ). Interestingly, the letter stated we were the ones to close the accounts, and not due to an " investigation. '' Finding this odd, we tried make another account, until app access was suddenly revoked during the application process, 4 steps in XXXX XXXX. While we recognize bank 's right to refuse service to anyone, we'd like to say that Suntrust employees had to fabricate reasons to circumvent their own system to terminate our accounts. System emailed to ( a ) after re-enable access, ( b ) ask the users to login/retrieve the notices that accounts have been closed. ( c ) seize access on its own again during another application, ( d ) prevents letter retrieval. ( Not to mention this " intelligent system '' hasn't detected any strangeness beforehand ). System itself didn't detect any wrongdoing or strangeness for several weeks until its employees suddenly " detected '' and started " investigation '' on non-existence issues to claim that we were the ones to ask the account to be closed.

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 2020-04-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I went to the Santander bank location : XXXX XXXX XXXX, XXXX, NY XXXX. 
However upon depositing the money order which I was told I can deposit it at the atm inside the bank. 
The machine took both money orders of {$1800.00} with out and receipt or error message. 
I spoke to the teller that was working and she gave me a number to call which I did. 
They told me I have to wait until Monday XX/XX/XXXX to see if it will be deposited into the account she then went on to say that if they dont find it there is nothing they can do. 
In this situation THERES NOTHING THEY CAN DO is not what I want to or need to here. I trust that the bank would be able to fix the situation. 
Nobody wants to be loosing {$1800.00} in this time especially not me. 
I cant allow my money to just go down the train.. 
Id appreciate if I could get serious help in returning the money orders or seeing it being deposited into my account.

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 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
Hi, Ive been working for months with XXXX XXXX XXXX XXXX| Owner XXXX # XXXX Individual XXXX # XXXX Call or text -- Office : ( XXXX ) XXXX Cell : ( XXXX ) XXXX XXXX on a new conventional home loan refi. He is a loan broker and my complaint is not with him. My complaint is with the underwriter, United Wholesale Mortgage ( UWM ). 

I timed the lock perfectly at the low and got a quote for a 15 year, $ XXXX loan@ 2.625 % with $ XXXX in loan fees. Our loan number with them is XXXX. 

My wife and I have spent very many hours of precious time providing UWM with enormous volumes of information that proved we met all their qualification rules. All the while during this process, interests rates have been creeping back up and now they have changed the rules to say we no longer qualify, when in fact they refuse to honor the lock because rates are higher now. 

They are concerned about the short-term contracts that are typical with software programming contractors like me. Their rule stated that you still qualify despite the intermittent work schedule if you are unemployed for less than 6 months and your income during the months you were employed were sufficient to qualify. I met that requirement. 

Now that interest rates have crept back up, they changed the rule to state that I must be employed at the current job for 6 months and then we would have to start the whole time-consuming process over again, with rates now much higher! 

I called the UWM consumer advocate department ( XXXX ) today, XX/XX/20, to see if they could address this complaint and get our loan closed, as promised. But they never called me back. Then I sent an email, similar to this one to XXXX, which I got off the UWM web site, but never heard back from them either. 

Please force UWM to honor their end of the contract and get this loan closed as promised. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX continues to furnish information on a credit report regarding repo. When the vehicle was retrieved, documents regarding bill sale after repossession. The company failed to comply with FCRA guidelines. Withholding information, continuing to tarnish credit and creditworthiness. The actions of the company will enable future opportunities to establish and rebuild credit.

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 2020-04-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX continues to furnish information on a credit report regarding repo. When the vehicle was retrieved, documents regarding bill sale after repossession. The company failed to comply with FCRA guidelines. Withholding information, continuing to tarnish credit and creditworthiness. The actions of the company will enable future opportunities to establish and rebuild credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX continues to furnish information on a credit report regarding repo. When the vehicle was retrieved, documents regarding bill sale after repossession. The company failed to comply with FCRA guidelines. Withholding information, continuing to tarnish credit and creditworthiness. The actions of the company will enable future opportunities to establish and rebuild credit.

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 2020-04-16 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: RateGenius Loan Services Inc
State: NC

Complaint narrative:
Was sent the following text from rategenius, I have never applied for credit or refinancing with rategenous. How did this company get my credit information and private number which is not listed. This is credit fraud! 

Hi from RateGenius! We got your auto refi application ( App # XXXX ). We will review and reach out with next steps soon. XXXX Reply STOP to unsubscribe

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Lenders can not access equifax report and score. Tried contacting equifax to fix problem but they insist that there is no freeze or block on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I notified both Experian and XXXX  by certified mail on two separate occasions in XXXX and XXXX of 2020, with supporting documents making the companies aware that I am a victim of identity theft. Both companies placed a fraud alert onto my credit files, but has not investigated the disputes listed in the dispute letter. All I've received from Experian and XXXX  was a paper stating that a fraud alert was placed onto my credit file. ( PLEASE SEE ATTACHMENTS ) The FCRA promotes accuracy, and fairness of information in the files of consumer reporting agencies. The FCRA Summary of Rights also states that you required by Federal Law to physically verify accounts that creditors are reporting to your company within 30 days.

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 2020-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I emailed XXXX XXXX on XX/XX/XXXX to cancel my XX/XX/XXXX vacation booked with XXXX. I received a response on XX/XX/XXXX stating the I would receive {$1400.00} on my credit card. I asked when I would be receive the refund and was told XXXX said to allow 4-6 weeks for the refund. 
I called Bank of America o XX/XX/XXXX regarding a charge of {$1400.00} for a XX/XX/XXXX vacation that I cancelled on XX/XX/XXXX. The travel agent told me that I would be refunded {$1400.00} on my credit card but due to a high volume of cancellations, it could take 4 to 6 weeks. Due to the failure of XXXX and other companies this was alarming to me. I called my credit card company ( BOA ) and shared this information with them and they said they would investigate and that they have 30 days to do so. I asked if they would need a copy of the email and they said yes, however I could not forward the email to them until they sent me an update of their investigation which could be 4 weeks. This is very frustrating because the email could resolve the issue and save days of them investigating. My niece whom I was scheduled to travel with called her credit card company, XXXX with the exact same information and they gave her a provisional credit the same day. 
Please help me with this issues. I have had many refunds over the years to a credit card and it has never taken more than 10 business days. It has been about 4 weeks and no refund to date.

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 2020-04-16 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: TX

Complaint narrative:
I've had this provblem for a long time. I've submitted the proper documents stating that I was a victim of Identity Theft. The issue remains and it is effecting my personal life and 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 2020-04-16 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$3000.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

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 2020-04-16 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$3000.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

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