vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: OR

Complaint narrative:
they keep calling me. They will NOT tell me WHY they are calling, nor will they even tell me what their company does. They insist they can not tell me what they do or why they are calling me unless I give them personal information. I have made it very clear I'm not going to give them any personal information without knowing what they do or why they are calling me. I have told them to stop calling because they will not tell me why they are calling and I will not give them personal information without knowing why they are calling me. They continue to call demanding personal information from me. the only thing they will tell me is the name of the company " Conversion Outsourcing '' and won't even say they are a debt collection agency. I googled them and found out they collect debts. I don't have any debt that is in collections, so don't know why they would be contacting me demanding personal information. I want them to stop calling or at least tell me WHY they are calling so I can address, possibly they have the wrong person? but they won't tell me so in that case i've asked them over and over to stop contacting me, but they keep calling.

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 2022-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
We can not begin to describe the level of incompetence and disgrace that has arisen from our experience with Mohela. Horrific. 

I had applied for PSLF forgiveness ( to include XXXX ) on XX/XX/2022. That would have qualified for the 120 months worth of forgiveness according to my qualifying count on both Studentloans.gov and XXXX prior to the transfer to MOHELA. All we needed was for Mohela to count the twelve payments over the last twelve months since I was with my employer ( and still am ) for the entire duration of that time. Thats it. Count to twelve.

However, we were told it would take 90 days to do so. Regardless, on XX/XX/2022, we called Mohela to check on the status of our loans and spoke with XXXX. XXXX verified the form submission and all details filled out were correct. 

However, on XX/XX/2022, MOHELA erroneously submitted a response stating Your employer provided an employment end date on your PSLF Form that is more than 60 days prior to the date we received your form. Therefore, we are unable to confirm if you are still employed with that employer. You must be employed full-time by a qualifying employer when you apply for and receive forgiveness under XXXX or XXXX. 

1. This is patently false. If MOHELA had bothered to check the form submission which can be found on their own website, they would see that the employer certification, the employee signature, and the received date are all the same : XX/XX/2022. It does not take an inordinate amount of effort, let alone 90 days worth of effort to do that. 

2. It is irrelevant. As long as I was employed on XX/XX/2022, that would have constituted the full 120 payments per the prior qualifying counts as confirmed by both Studentloans.gov and XXXX XXXX. 

It is unbelievable that something like this has to involve so much complication and quite frankly shear incompetence over such an inordinate duration of time. This is egregious and contravenes Congress and the Presidents intent for the program. We will be sharing this information with all prospective legislators who represent us. 

XXXX recently reached out to us - along with other lenders- and offered monetary settlements to account for their previous bumbling of student loans. You would think MOHELA would take note, but clearly they have not. 

Request MOHELA go back and perform this check in accordance with the mandated standards and processes as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: IL

Complaint narrative:
I have sent letters to the three credit bureaus XXXX, Equifax and XXXX to remove a charge off for a vehicle thats on my credit report and neither companies complied. I have written them twice to verify this account and provide me documentation verifying this account and they havent sent me anything verifying this account is mines. Equifax is reporting an incorrect name on their report as XXXX XXXX XXXX when my name should be XXXX XXXX. Also I have requested to have inquiries that do not hold any accounts on my report past 30 days to be removed also. Please take action as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent letters to the three credit bureaus Experian, XXXX and XXXX to remove a charge off for a vehicle thats on my credit report and neither companies complied. I have written them twice to verify this account and provide me documentation verifying this account and they havent sent me anything verifying this account is mines. XXXX is reporting an incorrect name on their report as XXXX XXXX XXXX when my name should be XXXX XXXX. Also I have requested to have inquiries that do not hold any accounts on my report past 30 days to be removed also. Please take action as soon as possible!

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 2022-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
This bankruptcy on my credit report must be removed as for the fair credit reporting act and the creditors are not required to report anything to the credit reporting agencies! So why is there any bankruptcy reporting on my credit report that is reported to this credit reporting agencies. This is clearly an error on your part as a credit reporting agency reporting a Bankruptcy! Send me all your data about where you gathered this bankruptcy!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
On XX/XX/2022 I was fraudulently charged extra fees without being explained to what the charge was for. As well as a fraudulent {$1000.00} dollar down payment, a {$1400.00} dollar XXXX XXXX fee, a {$96.00} dollar roadside Assistance fee, and a list of other fraudulent fees adding up to {$640.00} dollars. And the vehicle interest rate to jump to 23.01 % that was not mentioned or explained to me. Resulting in the vehicle purchase price going from {$12000.00} dollars to {$33000.00} dollars.

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 2022-12-30 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: IL

Complaint narrative:
I disputed fraudulent accounts on my report and addresses that do not belong 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 2022-12-30 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: FL

Complaint narrative:
I am intrested in disputing all incorrect information on my credit report with transunion. checking my file ive noticed Alot of invalid information that is hindering my file. I am intrested in getting my file cleared to correct my credit 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 non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
TD/XXXX  Bank advised me on XX/XX/2022 to make a payment of {$45.00} to go into a payment settlement agreement. Once I paid the amount XXXX Representative stated the Specialty Department is unavailable. I was told they would call me back. TD bank did make several attempts to call but the phone thinks it's spam and blocking the call. They did get through once and I was hung up on while they were discussing the terms of the agreement. TD bank has still not provided a letter regarding this agreement and continues to play games when I call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover Card account ending in XXXX. This account has been in dispute since XXXX. I opened the account in XXXX paying for the additional Protection Plan. In XXXX, I experienced severe medical issue causing loss of employment, however I was able to initially use my Protection Plan Coverage for waiving the monthly payments until Discover decided not to allow additional use and stated that the program no longer applied. Subsequently offering a new payment arrangement plan to bring the account current. However, instead of honoring the arrangement my account was now a Collections account. In XX/XX/XXXX, I attempted to bring my account current to remove the collection status off my credit report, however was informed that the account was now Charged Off and would remain at this status regardless if it was paid off and that I would not be able to reuse the account upon satisfying the charge off. I continued to try to work with XXXX XXXX XXXX to correct this issue. In XX/XX/XXXX, a registered letter was mailed to Discover with a payment to make the payments to satisfy the collection and keep the account open. Discover did not immediate respond, however applied the payment to my account. In XX/XX/XXXX, I was offered a Settlement Agreement in the amount of {$4300.00}. I agreed to the settlement and begin additional payments totaling {$2700.00}. I received my updated credit report on XX/XX/XXXX and Discover sent to the Credit Reporting Agencies a " Closed Account '' status effective XX/XX/XXXX, while I am still making the settlement payments and causing my credit score to drop XXXX  points. Discover never stated that they would instantly report a " Closed Account '' status once I agreed to the settlement. I was informed since XXXX that the account was closed and charged off so why would they suddenly send to the Credit Reporting Agencies a Closed status affecting my credit score. I also have a letter from Discover dated XX/XX/XXXX, stating that " Discover is required to report the account to the Consumer Reporting Agencies as a disputed account until I advise them to remove the dispute status '' I HAVE NOT advised of any such removal of a dispute status. The account is still considered a dispute due to Discover not allowing me to use my Payment Protection Coverage that I paid into since XXXX during my employment loss causing my account to go into Charge Off status. I feel that this is an intentional wrong against me to affect my credit. I would really appreciate some legal assistance in this matter. I have attached the letters from Discover regarding the Correspondence " Disputed Account '' and the Account Settlement Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
After Reviewing my credit profile on XX/XX/2022 I identified a discrepancy with an account listed as National Credit System and validation requested as this was an account I did not recognize. I reviewed my account again XX/XX/2022 and the account continues to reflect on my credit report, and I have not received any correspondence from creditor. to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on again. After reviewing my credit report again XX/XX/2022 there has been no updates and account is still reflecting on the report. I do not believe this account belongs to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 Credit Bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We have submitted payments for our mortgage through bill pay using XXXX bank for years. Our XXXX payment was sent to Shellpoint Mortgage on XX/XX/XXXX in the amount of {$3000.00}. The payment went through and money was removed from our account. 
I was notified via email that the payment was not received by Shellpoint in XXXX. I submitted documentation of the bill pay and our bank statement to Shellpoint using their web portal on XX/XX/XXXX. 
I have called Shellpoint 4 times in the past 10 days. They are telling me they can not locate the payment as the address for their billing/collections changed. We were not notified of this ahead of time. We have since changed our bill pay to the correct address. 
Shellpoint has told me they can not locate my payment and my only option is to submit another payment for XXXX XXXX has said there is no way to get this money back to our account without Shellpoint issuing a refund. It seems wrong that I have to pay twice for my mortgage for XXXX because Shellpoint lost my initial payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
On XX/XX/2022, I sent Penn Credit Corperation a certified letter requesting debt validation on an alleged debt they added to my credit reports without informing me first to allow me the opportunity to dispute the validity of the alleged debt.They ignored my request and continue to report this alleged debt to the credit reporting agencies. I am demanding that they delete this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Asset Group LLC
State: TX

Complaint narrative:
Received phone call on XX/XX/XXXX and XX/XX/XXXX and caller left the following voicemail. " My name is XXXX XXXX I'm the compliance officer appointed to contact you in regards to court sealed documents I'm routined to deliver unless the following party are contacted. Seeing as I am unable to reach you by phone I have been instructed to contact your employer as this may not be a possible place of your location due to the negligence on your end in regards to your claim I must make you legally aware that you do have the right to contact the filing party but once your claim is discarded from their office all of your voluntary rights will be forfeited and this will become a matter of public record. To avoid legal process contact XXXX case ID # XXXX. This is legal notification by telephone and it will be documented. '' On XX/XX/XXXXXXXX XXXX XXXX XXXX I called the number left on the XXXX and got a recording stating the company was XXXX XXXX XXXX and they were closed. I called the number XXXX and got someone who sounded just like the person who left the XXXX but she stated her name was XXXX XXXX. She would not provide any information on why she was calling and only stated her place of employment was XXXX XXXX XXXX. She wanted me to confirm personal info about me including my dob and last 4 of social security. I told her I didn't feel comfortable confirming this info over the phone and asked for written verification be sent to the address they had on file. She declined and said they do not send any documentation via mail. She stated she would send to my email address once I confirmed my personal info. I hesitantly confirmed my DOB and last 4 of social. She then proceeded to list a company that had 2 allegations against me but would not email me the requested documentation. She kept saying that if my email address is the one they have on file then I should have all documentation from the accusing party previously sent to email address on file. The date of accusation was from XXXX and she would not send any current supporting documentation from the accusing party. She said she had a file on me but that I should already have all of this documentation. She stated that I should setup payments to pay back any debts that I had with the accused party. I said I wouldn't make any arrangements until I could confirm any documentation. She was continually frustrated when I would ask for confirmation of documentation. I was. I was not going to engage any further via phone and wanted a written letter from the company stating the complaint and allegations. She would not provide this.

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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital one send me two pre qualified letters in the mail I did and it was denied and my credit was effective I try calling and was told there was nothing they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: MS

Complaint narrative:
XXXX XXXX XXXX is reporting to experian, XXXX, and XXXX in which each bureau or company has erroneous, inaccurate and misleading information on my credit report. The High balance of this account is inaccurate and erroneous. This account is completely misleading, incorrect and is violating 15 USC 1681 a, 1, 2, 3, and 4. Furthermore, the account should be deleted. The High balance amount of experian is {$0.00} therefore the balance should be XXXX if thats the case and the balance fluctuated in dollar amount as well!. The High balance amount of XXXX  is {$1300.00}. The High balance of XXXX is non-existent which is very misleading. I have disputed these erroneous accounts with each credit bureau for over 90 days with no relief to be had. Please delete this 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 2022-12-30 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm has a fraudulent transaction on my account which is now delinquent. I have tried to resolve this issue multiple times but each time they have neglected any effort in assisting me. Please review my account and notice that i have attempted to file a dispute with XXXX but since then have also been declined. I have become desperate since i am getting no help on my case. Please review and make your decision accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Please update my address to : XXXX XXXX XXXX XXXX CO XXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1974 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2022-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Debt is past the statute of limitations, creditor reporting inaccurate information as if the debt is new. Dates are inaccurate account was opened 7 years ago and removed from my credit. Collection agencies can not report old debt as new ; this is a violation of the Fair Debt Collection XXXX XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX, NY XXXX

Company response to consumer: Closed with explanation