vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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 — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account I did not recognized. I reviewed. my credit report again on XX/XX/2023 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 reflect that the account is disputed and therefore a second validation letter was sent out on this day. I do not believe this account belongs to me nor do I believe that 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 bureau 's until adequate validation has been received proving that the account belongs to me and all information is correct.

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 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: DC

Complaint narrative:
I received a notification on XX/XX/XXXX that Jefferson Capital System had reported a collection account with a balance of {$730.00} on my XXXX Credit Report. The reported account references an original creditor by the name of XXXX XXXX and indicates the accounts was opened in XX/XX/XXXX. I have never received services nor have I conducted businesses of any kind with Jefferson Capital System or XXXX XXXX. Any account opened in my name with either entity is fraudulent and the result of identity theft. I attempted ot contact Jefferson Capital System but was not successful in getting any additional information and Jefferson Capital System refused to remove the fraudulent account from my credit report which has now caused a decrease in my credit score. Attempts to speak to a Jefferson representative were made on XX/XX/XXXX and XX/XX/XXXX. I would ask that Jefferson Capital remove this fraudulent collection account from my XXXX report immediately and be prohibited from any future reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy According to 15 USC 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on the credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. The following account is not mine, I did not open it, and I am not a debtor : XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Sapphire credit card provides car rental insurance benefit for damages which is handled by XXXX XXXX. I had a XXXX euro damage charged when my rental car was damaged on XX/XX/2022. Despite following the required procedures and submitting all the necessary documentation, my claim, relating to damages sustained to a rental car has been in pending state since XX/XX/2022 without any resolution. 

Initially, my claim was outright denied, only to be re-instated after I lodged a complaint. However, even after reinstatement, the claim has been subjected to extensive delays and numerous requests for additional documentation. The most recent communication from XXXX demanded proof of the car 's return, specifically requesting " the final bill. '' Unfortunately, due to the damaged state of the vehicle, it was towed away, and I was unable to obtain the final sign-off documentation. 

In lieu of the final bill, I provided a comprehensive letter from the rental company, which clearly outlined the rental agreement bearing my name, detailed the extent of the damage, and confirmed that the necessary repairs had been carried out. Additionally, I furnished proof that the rental charges were charged to my Chase credit card, substantiating my eligibility for the insurance claim. 

Regrettably, my experiences thus far lead me to believe that XXXX and Chase are deliberately prolonging the resolution process by incessantly demanding further documentation, perhaps in the hope that I will eventually abandon my claim. This sentiment is further reinforced by the numerous similar complaints documented against XXXX, which can be found at the following sources : The Points Guy : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Considering the evidence I have provided and the considerable delay in reaching a resolution, I kindly request your immediate attention to this matter. I insist on a thorough review of my claim and a prompt resolution in accordance with the terms and conditions outlined by Chase Sapphire 's car rental insurance benefit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16 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: NC

Complaint narrative:
Experian continues to report the wrong name on my credit report as well as wrong address. I have submitted two forms of identification as well as a paystub that shows my proper name and address. My name has not changed and has been my name for my entire life. I have a joint last name.

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 2023-05-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Reporting Act, this credit reporting agency has violated my rights under 15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
- XX/XX/XXXX : I rented a car from XXXX in XXXX who was almost 2 hours late in supplying me a car at the pickup time specified on the original reservation. The result was a wasted business trip where I missed 2 of 3 of my meetings and was unable to join two conference calls. I was charged {$59.00} for the botched rental and tried to work with the merchant but they were uncooperative. 
- XX/XX/XXXX : I logged a dispute on my credit card. XXXX never responded and hence I won the dispute. 
- XX/XX/XXXX : I had a car reservation at XXXX ( who owns XXXX ) in XXXX XXXX and denied exit from the lot due to the {$59.00} they believed I still owed. At their customer service desk I was advised to contact their XXXX department who in turn transferred me to Transworld Systems Inc ( TSI ) who informed me I could not rent the car until I paid {$59.00}. I advised them this was an invalid debt and nor did I ever receive a 30-day validation letter mandated by the FDCPA. They told me they did not have to send one and without a payment I would not be able to rent from XXXX. Given I was stuck in their lot and behind almost 2 hours in getting to my destination, I charged the {$59.00} on my credit card and advised them I would dispute the payment on the invalid debt and report the FDCPA violations to the CFPB. 
XX/XX/XXXX : The {$59.00} charge was placed into dispute and TSI was contacted by my credit card bank on XX/XX/XXXX. In the meantime TSI continuously calls me without leaving a message which would be a UDAAP violation XX/XX/XXXX : As of this date TSI has not responded to the dispute and must do so by XX/XX/XXXX in accordance with Visa chargeback rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
I have sent in multiple special deposits to AMERICAN EXPRESS, and they only want to claim some security issue. I have sent in 4 different notary verifications, as well as photo ID verification. AMERICAN EXPRESS continues to refuse access to my own credit, and they have even shut off my internet access to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On Saturday XXXX XXXX, I had account fraud where someone got access to my bank checking and savings account and wired all of my money away to different accounts. 

I contacted my bank ( Wells Fargo ) and opened a claim regarding the situation immediately, upon their investigation, they denied my claim still leaving me with almost a XXXX balance between both accounts with approximately {$2300.00} taken away, leaving me with XXXX between the two accounts left for me to go by. 

The transactions are : Checking : {$130.00} {$250.00} {$500.00} {$400.00} {$200.00} transferred to my savings. 

Savings : {$100.00} {$400.00} {$250.00} Someone got into my account and even transferred the money to my savings to send it away. 

All transactions were through XXXX with the names being : XXXX XXXX and XXXX XXXX Names that are not on my contacts for XXXX or in my phone. 

I have been a loyal customer of Wells Fargo since XXXX with direct deposit from my work paycheck and having a savings set up. 

Never have I had lower than {$800.00} in my account. 

On XX/XX/XXXX, I reached out to Wells Fargo regarding the investigation, they said that I logged into another device and allowed for it to happen. 

I am now seeking help as like everyone else, I have responsibilities to pay off for my day to day needs and as you can see above, I am not a very wealthy person, only someone trying to get by in life like everyone else.

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 2023-05-16 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: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
After reviewing a current copy of my credit report on XXXX XX/XX/2023, I contacted the customer service center of  XXXX XXXX XXXX to address its entry on a Chex Systems report from XXXX XX/XX/2023 for an unpaid balance of {$220.00}. This unpaid amount represent unauthorized charges in connection to identity theft reported to law enforcement agencies. The customer service agent directed me to send an email to the company about the issue. I objected and insisted upon speaking with a person in charge because the issue of identity theft necessitated speaking directly with someone. The customer service agent attempted to route my call to a supervisor queue where the caller has the option of leaving personal information. I objected stating my hesitance to leave my personal information in a voicemail system where no one would return my call within 48 hours. Although I conveyed the gravity of identity theft in connection unauthorized charges to the closed bank account, the customer service agent left the impression XXXX XXXX XXXX does not take identity theft issues seriously.

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 2023-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
By Law this account was written off as income with a 1099c. You NCB Management has purchased this debt which mean you are trying to collect on a debt that was considered as income. This alleged debt you claim I owe should not be sold to a third party company than NCB  MANAGEMENT gave information to another third party company XXXX, XXXX AND XXXX and refused to send me the wet ink signature that gave them authority to place this account on my consumer file. As the law states permissible purposes and I havent written you and ask you to furnish negative information on my consumer report. This is my attempt to settle this matter with good faith and clean hands. I conditionally accept this upon proof that you were allowed to furnish this information to my consumer report as well as furnish this information knowing that this debt was written off as cancellation of debt. You have caused damage to my report and I am denied good faith and credit due to the derogatory mark. If this matter isnt handle I will have to file a 3949-a to the IRS for investigation to accounting. As well as a 211 form with the IRS to investigate.. I am a natural living woman, you have trespass against my person and refuse to the codes and statues YOU NCB MANAGEMENT must uphold. This IS NOT DEBT IT IS CONSIDERED INCOME when a 1099c is filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had an issue with " XXXX XXXX '' XXXX XXXX ( XXXX XXXX ) and XXXX  charging a membership fee early in XXXX. I called and XXXX  refunded the membership which I canceled XX/XX/XXXX. I beleived there was no further issue. I usually only make purchases from XXXX  on my XXXX and had not been to XXXX since the summer of XXXX. I found out in XXXX there were fraudulent charges on my XXXX ( {$750.00} charged XX/XX/XXXX ' ). I reported to the credit card company XX/XX/XXXX. They said they would get back with me once resolved. XX/XX/XXXX I heard nothing, but my fico score was dropped from the 800s to upper 600s. I called and phone number now went to citibank XXXX. I talked to XXXX, then was transfered to XXXX, she was very nice and the first person guinuinly trying to resolve the issue. She put me on hold several time while she conversed with the " gurus '' ( XXXX, XXXX XXXX and others. Eventually after a couple hrs XXXX make a XXXX way call with XXXX  bank because there was essentially no information about the charges, just the amount and fees. Once on the XXXX way call with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) transfered us to the fraud department which I originally reported the case to in XXXX XXXX assured us it would be looked into and resolved which it has not. It has been 4 months since the fraudulent charges were made and just shy of 3 months since I reported the fraud to XXXX XXXX  fraud department. My nearly perfect credit has been destroyed l, all my multiple attempts to have this corrected have been ignored. Spending over 15hrs over multiple months on the phone making calls, reports, filing with XXXX  they always promis to correct the situation, but I just keep getting a email cluttered every day with threats from XXXX for a purchase they know is fraudulent. I have more than tried waiting as calmly as I can while XXXX ( XXXX XXXX and Citi Bank ) continues destruction of my credit which is 100 % the banks fault. When reading from XXXX  web page XXXX XXXX  has apparently made a business out of destroying people credit which is probably why they changed their name to XXXX XXXX. A company with unethical practices as this should not simply be able to change their name and continue unethical practices, someone should be held accountable because the damage caused is much more than just a few hundred bucks of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: FL

Complaint narrative:
This Inquiries is not mine and it's totally XXXX, I'm not aware with those Inquiries. Please take an action with 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 non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I paid off my car and i requested the title twice i did not recive it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV

Complaint narrative:
I received an Escrow Shortage letter from XXXX XXXX XXXX XXXX dated XX/XX/23. On said letter it indicates that my escrow account will be short due to increase in property taxes ( {$120.00} ) and increase to property insurance ( {$370.00} ) with the verbiage " Changes in the above items mean that the amount needed in your escrow account increased by {$490.00} per year. I understand this figure ( {$490.00} ), yet my payment is increasing by *** $ XXXX. The letter states that the minimum allowable escrow amount on my account is {$950.00} to avoid an escrow shortage the lowest yearly amount in my escrow account was on XX/XX/23 which was {$300.00}, {$950.00} - $ XXXX {$650.00} which is the amount due as lump sum to avoid any possible shortage. I understand this portion, if I am unable to make a lump sum payment the amount will be broken up into 12 months, so that would be an increase of $ XXXX month. Yet my payment according to this letter is being increased by $ XXXX. This was my question, why the discrepancy they are increasing my payment with an additional $ XXXX for a total charge of {$810.00} instead of {$650.00} I have asked why the additional charge of {$160.00} on 3 different occasions, the system states to expect a response within 48 hours but some may take 3-5 business days. I sent messages on XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23 it is XX/XX/23 today and still no response. Same Scenario happened last year payment increased $ XXXX month x 12 months for a {$370.00} escrow shortage. 


2nd question asked the last 2 years I have received a XXXX form indicating interest earned slightly under {$100.00}, I have never received a penny from XXXX XXXX XXXX XXXX XXXX I have looked at my account payment history no monies have either been deposited into my escrow account, no monies have been applied to the principal and no monies have been paid to me. Where is this money? I have never received a reimbursement of any overages i have paid. They failed to answer this question they just re sent me the XXXX form. I am beyond frustrated with XXXX as I feel something XXXX is happening. I have attached the copies of the messages sent on the pdf presentation because transcripts of the conversations are not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
XXXX and XXXX are reporting that CONSUMER ADJUSTMENT is attempting to collect an alleged debt of XXXX $ .CONSUMER ADJUSTMENT does not have a license to collect a debt in Illinois , hence making this an illegal report. I would like this removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I asked the bureaus to do verification and they sated that everything was accurate. I did thourough research myself and found improper innacuracies on credit report even after they did the careful research.

Company response to consumer: Closed with explanation