vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 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 am appalled of the fraudulent practices of Convergent Outsourcing , Inc . They are deceptively attempting to bill me for a bill that was paid. Even with evidence of such, they have overlooked and disregarded the facts and still attempting to collect. 

1. As evidenced in attachment A, Convergent is attempting to collect a debt for XXXX XXXX. I have no account balances with XXXX XXXX. 
2. As evidenced in attachment B, I switched to another provider from XXXX XXXX. After I terminated their services, was told that any additional fees would be waived due to my poor experiences with them, and all equipment was returned, I receive this XXXX XXXX. Even though I disagreed with the subsequent billing, I felt it was nominal in comparison to just getting rid of XXXX XXXX. This amount was paid to XXXX and I have proof/confirmation that the bill was paid. 
3. As evidenced in attachment C., even XXXX has documented my account is paid in full and have record of the XXXX being paid. 

Convergent, even after my filing an appeal and receiving evidence that the bill/account was paid in full directly to XXXX XXXX , continues to contact me and denied my claim stating the debt is valid ( attachment D ). Their bullying tactics and attempts to gouge me, and damage my stellar credit, is disturbing. If I was less intelligent and unaware of my rights, I would just pay the money twice. This is Convergents hope - that I will just pay the money TWICE and I have no doubts, if they are investigated, I am not the only one theyve attempted to bully into paying double.

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 2022-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NRA Group, LLC
State: RI

Complaint narrative:
This company contacted me at XXXX via text on XX/XX/2022, regarding the debt that I have with National XXXX. I was waken up to this text message. That is absolutely not an acceptable time to be reaching out regarding a debt!

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 2022-03-09 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: MI

Complaint narrative:
As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for this item. 
FIRST XXXX BANK XXXX Balance {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I had an existing mortgage with XXXX. In about XXXX, XXXX, at about the same time, I initiated a refinance AND XXXX advised that they were transferring my mortgage to Mr Cooper. 
Due to the timing of these events, I never made a payment to Mr. Cooper. My last payment to XXXX was XX/XX/XXXX and my first payment to my new mortgage company ( XXXX ) was XX/XX/XXXX. This is as usual, having a month ( XXXX ) with no payment during a refi. 
Closing on the refi was XX/XX/XXXX. 
I never received a bill or statement from Mr Cooper. 
I called Mr Cooper on/about XX/XX/XXXX because I was concerned that they did not show my mortgage as having been paid off, which should have happened by then. I asked if I needed to send a payment and the Mr Cooper rep told me that was not necessary because I was protected under RESPA ( this first time I had ever heard of RESPA ). He added that payoffs were taking a long time because of the volume of refis that were happening at the time. 
Eventually, Mr Cooper was paid off and I started making payments to the new mortgage on XX/XX/XXXX. At this point, I thought everything was fine. 
I then began noticing my credit score had dropped. I presumed, for a while, that this was because of the mortgage finance activity ( my understanding is that getting a new mortgage drops the XXXX score ). Then, I applied for a loan from XXXX, who I had done business with before. They declined my application for a loan ( XX/XX/XXXX ) because my credit report showed a late mortgage payment. This was when I was first aware of that something was wrong. I checked my credit report and found the late payment notice posted by Mr Cooper. 
I filed an inquiry with Mr Cooper, providing them the necessary information. I got a notice back from them saying they would need more than 30 days to reply. I never got another notice from them. 
I called Mr Cooper on/about XX/XX/XXXX to check on the status of my inquiry. I was advised on the phone that they had made the determination ( and supposedly notified me by mail, but I never got it ) that the reporting of a late payment was accurate and they would not change their report. 
Bottom line : I never got a statement/bill/accounting notice from Mr Cooper. Mr Cooper became my mortgage company, involuntarily, because my loan was sold to them by XXXX. I never made a payment, nor was I expected to ever make a payment to Mr Cooper. The Mr Cooper mortgage was paid in full, on time, under the terms of RESPA. Mr Cooper violated RESPA by reporting a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I open a credit card with comenity bank on XX/XX/2021 till now I dont get my credit card and they are charging me i pay XXXX $ once the guy told me all my payment is XXXX $ know they are calling again to pay XXXX $ more because there was payment remaining but they never try to help me with my credit card and dont send me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09 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: NY

Complaint narrative:
I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX  Please remove the following accounts completely from my Credit Report. 
XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {XXXX} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : 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 2022-03-09 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: MI

Complaint narrative:
As I reviewed my recent report, I have found erroneous information 's reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank has abruptly closed my account. This is an adverse action damaging my consumer credit. They closed the account because I do not have a mortgage or any secured credit, the average time on applications for credit, credit usage etc. 

The card they closed was opened in 2017 and used twice. One time as recently as last year. The card has always been paid timely and never incurred a late fee. 

A creditor closing a consumer 's account reflects negatively on the consumer credit report. They could have called me to discuss any problem and I would have voluntarily closed the account. Instead, they chose to damage my credit further. 

Synchrony should reinstate the account and call me to discuss the problem. I am their customer, they are not mine. I would be glad to no longer do business with a financial institution such as this. It is a shame they are even allowed to operate.

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 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
During the COVID-19 global pandemic, I was assessed an incredible amount of NSF fees by USAA bank XXXX I called once in XXXX to ask for some of my NSF fees to be refunded, and they complied. They offered to allow me to claim " financial hardship '' in XX/XX/XXXX but I politely declined because at that time I didn't need any additional assistance. Through the rest of XXXX, I was charged a total of {$980.00} NSF fees across two accounts. I called in XXXX of XXXX to claim the financial hardship they once offered me since we are in a global pandemic, and I was told that was not an option. In XXXX, I was charged a total of {$1000.00} in XXXX fees after I was told I could not claim financial hardship. I called in XXXX of XXXX, as well as posted on their facebook page, my situation and respectfully asked if they could refund me my money as we are in a global pandemic and are in a financial hardship and I was told no and they threatened to block me from their XXXX  page. It is also important to note that I have been a USAA customer for over 8 years and have used over 10 of their available services including various checking accounts, insurances, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: NC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-09 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: NC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My name is XXXX XXXX and I am writing to you with hopes that this is a topic that can further be invested and light can shine on the discrimination against business owners with a criminal background in the past. 

I am co owner of a small business trucking company in Texas. My business partner ( also my significant other ) have started this business from the ground up. We are licensed by several governing bodies and growing. I mention this to lay the foundation of the steps it has taken to get to where we are. 

My partner and I have been banking with USAA over 8 years. I have utilized their car insurance policy for over 10 years. In recent days we received notification that USAA has decided to no longer provide banking to him and has threatened to drop me as my insurance provider if I refuse to sign a letter of exclusion. They gave no reason as to why and after several phone calls- no one was able to give me answers. 

Finally, XXXX representative was able to transfer me to the underwriter for the USAA auto insurance policy. Due to my partners criminal background. He WAS a felon and has done his time with the justice system over 7 years ago. NOW they decide to no longer do service with us ( even though they have been doing service with us for almost a decade ). When I asked to review this clause or stipulation, she said I wouldnt find XXXX. They have the power to make that decision ; regardless of the sacrifice his grandfathers have made and the promise they make to their military customers and loved ones. They can discriminate against anyone when ever they choose base on whatever background they may have had. 

After reviewing this 'exclusion clause it would signify that should there be a car accident and our family is in it- everyone EXCEPT for him will be protected. How is that not discriminatory? What happened to a fair chance? Or the simple fact that his civil rights and mine are now being taken away and the bank is getting away with it? 

The underwriter also said that it was a good thing we arent married because they would immediately terminate my coverage. Why is it their business who I marry? Why should a long standing member be clumped in with this discrimination? I am not paying for his auto policy. Why does the past of a successful business man matter? 

I bring this to your attention with hopes that it can be investigated further- I do intend in seeking a civil rights lawyer to fight this injustice. I know many other families who have unfortunately been discriminated against for a past that no longer defines them or a past their loved ones have and it has directly affects them- like myself. Thank you for taking the time to read this. Please feel free to contact me if you have any questions. 
Have a great day, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
As I reviewed my recent report, I have found erroneous information 's reporting on my Experian Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Experian to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2022-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$23000.00} Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00} XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$750.00}

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 non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Monday XX/XX/XXXX I deposited 3 checks from the same company to a branch of Bank of America. I have been getting checks form this company for a while now. 
1 of those checks cleared immediately but the other 2 totaling {XXXX} were put on hold by the system. 
I reach out to BofA customer service the day after XX/XX/XXXX, and I was told by the Supervisor ( XXXX XXXX XXXX XXXX ) that she couldnt help me that same day due that the checks were still " processing '' but to call back in 1 day and the would release the funds then. 
I called again XX/XX/XXXX and another Supervisor ( XXXX # XXXX ) told me that she couldn't help me and I had to wait till the XXXX to release the Hold and the other supervisor was wrong about this. 
This was not the first time that BofA put a hold on a check I deposited but they always and I mean always helped me after a long phone call to release the funds. 
My account is now in red and if there is not enough funds to cover a very important ACH I will lose my XXXX XXXX which will take me out of business. 
Bank of America didnt care about my situation and kept saying we cant Help. 
I need the release of funds immediately.

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 2022-03-09 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: AL

Complaint narrative:
The account by XXXX XXXX XXXX in the amount of XXXX has been settled and paid in full. The amount of XXXX by XXXX has also been pain in full. I have requested several times for these items to be removed even while under investigation. Both creditors have stated that they have updated the collections on their end

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: AL

Complaint narrative:
The account by XXXX XXXX XXXX in the amount of XXXX has been settled and paid in full. The amount of XXXX by XXXX has also been pain in full. I have requested several times for these items to be removed even while under investigation. Both creditors have stated that they have updated the collections on their end

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 2022-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Client Services, Inc.
State: KY

Complaint narrative:
I am still receiving calls from Client Services , IncXXXX despite informing them 3 times, to cease telephone communications. I requested that all contact from them be in writing. 

Despite three notifications to cease calling, the calls continue. This is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation
State: FL

Complaint narrative:
On Sunday XX/XX/XXXX I reached out to Albert to dispute multiple transactions from an overseas gambling website. These transactions were spread amongst multiple accounts and I found I was victim of SIM copying and someone had access to my XXXX XXXX. Albert denied the dispute, later the merchant attempted refunds to the old card that Albert denied. Albert again refused my dispute even though the merchant attempted to refund. Albert has been negligent in handling the matter, responding to me for help, and doing their job to accept the refunds for return of funds. The other two accounts compromised accepted the funds returned with no issues even though both accounts had new cards issued. This bank claims no liability on any issues and has 0 respect for their clients.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation