vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
I ordered a 30 trial of XXXX XXXX XXXX Next is a sequence of events Aprox XX/XX/2018 i ordered XXXX XXXX XXXX ( i have email ) a 30 day trial to see if it would work in my area XX/XX/2018 i sucsessfully registred my account order number XXXX I have email I recieved my equipment and the XXXX telephone man came to verify that phone line was working, i hooked up my equipment and tested it for promised speed, streaming one tv I could not log onto my computer I called the XXXX tech line and he was helpful and told me that there was not enough speed in my area he tried to increase from his side and asked me to power down and try over the next day I did with no results XX/XX/2018 so i called back and cancelled my service they sent me a return lable to send my equipment back ( i have email ) XX/XX/018 i dropped off the equipment and i have a drop off comfirmation ( i have email ) XX/XX/2018 return complete tracking number XXXX Proof of delivery XX/XX/2018 @ XXXX ( i have email ) Starting on XX/XX/2018 i started recieving automated phone calls about paying my bill i had not recieved my bill yet in the mail I called XXXX that week and asked what was the issue i only had the service for three days before i canceled the thirty day free trial the person on the phone said she could see where i cancelled my service and that i needed to wait for the final bill The first bill came first week of XX/XX/XXXX days after ordering for XXXX dollars I called again the second week of XXXX after multiable auromated calls to me about my XXXX bill being late again the person on the phone said the same thing that they see where i canceled after three days and that i should wait for the final bill The third week i was still getting automated calls from XXXX about my bill so i called a third time and asked why and again they said just about the same thing wait for the final bill this time i asked if they could at least turn off the daily automated bill collecting they said yes and that stopped Thank goodness Now the forth week of XXXX i recieved a threating call from XXXX XXXX   debt collection, i refused to speak to her because of her attitude and i was at work At the end of the forth week of XXXX i recieved another call from convergent a very nice man and i told him the same thing i have stated here and he said he would send it back to XXXX with my statement, Last day of XXXX i recieved another XXXX bill for the same amount XXXX Three days later XX/XX/XXXX i recieved a bill from convergent To the best of my knowlege this is a true statment of facts Please help me take care of this

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 2018-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was a happily Chase customer for more than 2 years when i was in High school back in XX/XX/XXXX-XX/XX/XXXX. Recently I was trying to open an account with them ( Prepaid card, Chase Liquid ) since i'm being denied for a regular checking account with them as well, they don't give you an explanation on why your being denied. I DO NOT OWE THEM MONEY. I had an account with them back in XX/XX/XXXX and it was closed due to some deposit that someone made on my account witch it wasn't even mine ( came back as returned ). The person who did the deposit on my account it was a friend of mine ( not anymore ) and he took out like {$100.00} dollar from one of the check that day, but since the check came back as returned i had to pay the {$100.00} dollars plus a fee. I call chase, and they said I DO NOT OWE THEM MONEY and i'm still being denied by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
i spoke to an agent from nationwide recovery systems because they bought a debt i had expunged.i requested the initial delinquent notice from the initial debtor and they tried to get payment info from me in order to send the info, im assuming they have re-aged my debt and will hit my credit score, im pissed.when i called again later on in the evening to get info about the debtor ( nationwide recovery systems ) i was talked to very rude and when they finally agreed to send me the initial delinquent letter they said when they receive it, it will be forwarded from their company.when i requested that i wanted the notice sent directly to me from the initial debtor i was denied.i also told him i wish to record the conversation he wanted to hang up.however i recorded it. 
XXXX XXXX XXXX nationwide recovery systems XXXX plz see that they get fined as i will be taking legal action as well ... .ty sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: Phoenix Management Solutions, L.L.C.
State: TX

Complaint narrative:
This collections company reported to the credit reporting agencies that I defaulted on a debt that was not mine. My credit scores dropped 65 points which resulted in me having to pay a much higher interest rate on a home loan I recently acquired. The debt is not valid to begin with, it was assigned to a XXXX XXXX   XXXX  that I owned in the past. Somehow this collection agency got my birthday and SSN and reported to all the agencies. I contacted the collections company and explained everything and they refused to change the misreporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04 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: TX

Complaint narrative:
fcra violation name are inaccurate making credit information inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have written in to all three major credit bureaus since new public law and child support reporting law was passed back in XX/XX/2017 to have child support removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; Creditors XXXX XXXX XXXX # : XXXX  ; Medical bill # : XXXX, XXXX # : XXXX these accounts have not been verified or invalidly reporting due to inaccurate information and not belonging to me.

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 2018-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
DEAR CFPB - WE SUBMITTED THIS COMPLAINT TO YOU XX/XX/XXXX, AND IN LESS THAN 24 HOURS WE GET A REPLY  STATING THAT DITECH IS UNABLE TO RESPOND DUE TO : The company let us know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. THIS IS BEYOND INCORRECT! PERIOD. DITECH IS BEING DECEITFUL and further DITECH IS THREATENING US WITH FORECLOSURE DUE ITS OWN GROSS FAILURE AND  INABILITY SO PROPERLY RECORD OUR PAYMENTS! HOW CAN THIS BE ACCEPTABLE TO THE CFPB. DITECH IS LYING TO YOU BY SAYING THEY ARE UNABLE TO RESPOND - - -- THEY ARE ***UNWILLING***** TO RESPOND. DITECH KNOWS IT IS WRONG. AND ITS A COP OUT THAT THEY SAY THEY ARE UNABLE TO EVEN SEND A TIMELY MONTHLY MORTGAGE STATEMENT!?!?!?!?!?!? HOW CAN THE CFPB AND FTC ALLOW THIS COMPANY WHO MERELY CHANGED ITS NAME FROM GREENTREE TO DITECH DUE TO THE COMPLAINT YOU THE CFPB INITIATED AGAINST THEM IN XX/XX/XXXX FOR THESE EXACT SAME PROBLEMS GREENTREE PERPETRATED TO THE CONSUMER WHICH THEY ARE STILL PERPETRATING!!!!!!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
I called XXXX XXXX card services on XX/XX/2018 to get next payment date and rep failed to let me know I was past due and said next payment was XX/XX/2018. It caused me to go 30days late with XXXX. 2nd issue is they don't have this recording and that worries me because its my word against there Company. I have 100 payments on time with all my creditors and can provide proof if needed. This is the only account with 1 late payment because of there rep giving me wrong information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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:
fcra violation name are inaccurate making credit information inaccurate

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 2018-10-04 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: TX

Complaint narrative:
fcra violation name are inaccurate making credit information inaccurate

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 2018-10-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have written in to all three major credit bureaus since new public law and child support reporting law was passed back in XX/XX/2017 to have child support removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; Creditors XXXX XXXX XXXX # : XXXX ; Medical bill # : XXXX, XXXX # : XXXX these accounts have not been verified or invalidly reporting due to inaccurate information and not belonging to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have written in to all three major credit bureaus since new public law and child support reporting law was passed back in XX/XX/2017 to have child support removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX # : XXXX ; Medical bill # : XXXX, XXXX  # : XXXX these accounts have not been verified or invalidly reporting due to inaccurate information and not belonging to me.

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 2018-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2013 someone made a deposit of the amount of XXXX $ in my bank of america account and the check bounced they closed my account and reported fraud on my XXXX XXXX   and XXXX XXXX report.

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 2018-10-04 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: IL

Complaint narrative:
I do not have any children not sure why the credit bureaus will not remove child support from my credit report ; Illinios Child Support # : XXXX is reporting invalidly and I would like it removed as soon as possible. Not only do I not have any children to my knowledge child support isn't a contractual debt of goods, services or monetary value so why would it be reported to bureaus anyway? Every bureau removed it except for 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 2018-10-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I wrote to you the other day saying .. I have wrote multiple letter to capital one about charges and account being fraud..credit card ending in XXXX.. had charges on it after I paid it off on XX/XX/2018.. I do not want the capital one cards to come off my report as it hurts my credit score.. I want new cards sent to me at my address on file and all charges taken off. I wrote letters after letters.. I do not want my credit score hurt or accounts removed.. I want new cards and charges fixed. I will send the charges again to have them removed.. I want my account to to stay on my credit report. For over year, I have been writing letters.. please send me cards and do not remove accounts off my credit report. On XX/XX/XXXX, I requested new cards over the phone as well. Account ending in XXXX is in good standing and does not need to be removed off my credit report. Just need new cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: RI

Complaint narrative:
XXXX XXXX has placed a collection item on my credit report on XX/XX/2015. Related to a Speedy Cash loan that I never took. I called XXXX XXXX many times to tell them it is not my charge. They want my social security number which I will not give them. I told them I never received money from Speedy Cash nor did I receive bills nor did I take the loan. They said without my social they have nothing to say to me. I have entered disputes with 3 credit reporting agencies, placed a dispute with the XXXX who got Speedy Cash to mail me the loan documents which show and e signature, typed signature, and auto debit form for an account with XXXX XXXX XXXX with no name on it for the account holder, a cell number on a document that was never mine. I asked XXXX to request application information. The lender said due to privacy issues they will not provide. I filed an identity theft form on the FTC web site. This has stopped me from refinancing. I have perfect credit report, all trade lines paid on time. I also sought the advice of lawyer who I would have to pay {$500.00} to review my case and determine if he would help us to sue both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: BB&T CORPORATION
State: NC

Complaint narrative:
From XX/XX/2018 to present i have ben contacting the 3 cr to fix my credit.after many none validation letters from them all, i have this proof that i will provide that the information that is being reported is not accurate. many times it has been modified ( so that should not happen anymore only delete of this item will be just.

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 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquires were just posted to my credit report. I contacted XXXX XXXX for a auto loan and the XXXX dealer took my information from that credit report and submitted a deal to like 30 banks. These inquiries I did not authorize. 

Transunion Inquires Inquiry details XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance XXXX  XXXX XXXX  Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank These are the XXXX   Inquiries Inquiry details XXXX XXXXXXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks

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 2018-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
This debt showed up on my credit reports from Harris & Harris Ltd. I sent a debt validation letter certified mail to them to verify this debt they signed for the letter on XX/XX/2018 and miraculously mailed a bill out to me telling me if I do not notify them within 30days they will consider the alleged debt valid and proceed with it. In the process they added extra debt to this letter on top of the debt they already claim I owe. I have followed the federal and Texas laws as to asking for validation of debts they claim i owe and as they claim it to be medical debt i asked for all supporting documents to validate this debt as mine. I have also checked with the secretary of state website to see if this collection agency is bonded to in the state of Texas and they are not so they are not even allowed to attempt debt collection in the state of Texas. I am concerned as they claim this is medical debt if they possibly are breaking the HIPAA laws in there illegal practices of collecting debts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I HAVE FILED SEVERAL DISPUTES AND SUBMITTED ALL OF MY PAPERWORK WITH REGARD TO THE IDENTITY THEFT THAT HAS OCCURRED ON MY CREDIT FILES. XXXX AND XXXX HAVE COMPLIED BUT EQUIFAX KEEPS GIVING ME EXCUSE AFTER EXCUSE. FIRST THEY SAID THE PAPERWORK WASN'T SIGNED, WHEN IT WAS INDEED SIGNED. AND THEN THEY SAID THEY NOTIFIED THE MERCHANTS AND THAT THEY VERIFIED THAT THE ACCOUNTS WERE ACCURATE. 

I HAVE ATTACHED MY LATEST " REINVESTIGATION '' RESPONSE FROM EQUIFAX REGARDING THESE DISPUTED / ID THEFT ITEMS FOR YOUR REVIEW RECEIVED XX/XX/XXXX. THEY KEEP GIVING ME THE RUN AROUND. THIS IS THEIR THIRD REINVESTIGATION INTO THIS MATTER. 

YOUR IMMEDIATE ATTENTION REGARDING THIS MATTER IS GREATLY APPRECIATED AS IT IS HINDERING ME FROM GETTING A MORTGAGE LOAN. 

EQUIFAX DISPUTES SUBMITTED REGARDING IDENTITY THEFT ( XXXX ) : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX, EQUIFAX DISPUTES SUBMITTED REGARDING IDENTITY THEFT ( XXXX ) : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Account thats open i do not owe. Its with XXXX for {$380.00} date is XX/XX/15 of said bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
These inquires were just posted to my credit report. I contacted GM Financial for a auto loan and the XXXX dealer took my information from that credit report and submitted a deal to like 30 banks. These inquiries I did not authorize. 

XXXX Inquires Inquiry details XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance XXXX XXXXXXXXXXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank These are the XXXX   Inquiries Inquiry details XXXX  XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks

Company response to consumer: Closed with non-monetary relief