vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Convergent Outsourcing has been harassing me to collect a debt of {$560.00} from the original creditor XXXX. I PAID in FULL XX/XX/2016 my bill in cash directly to XXXX and this is not legal. It has shown up on my credit report and it is unfair that this has affected my fico credit score. I need it to be removed from all credit bureaus. I paid my financial obligation and should not be harassed by phone, my house phone and mail for a debt that I have already paid in full. I have spoken to XXXX and they have told me there is XXXX balance that I owe. I need this removed from all 3 credit bureaus immediately and for the harassment to stop.

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 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I HAVE REQUESTED FOR THE FRAUD ALERT ON MY CREDIT REPORT TO BE REMOVED BUT LOOKING AT MY PROFILE IT STILL SHOWS I HAVE A FRAUD ALERT ON MY REPORT AND IT'S MAKING APPLICATION DIFFICULT FOR ME. I NEED THE FRAUD ALERT REMOVED FROM MY REPORT ASAP. AND I HAVE ALSO REQUESTED FOR MY CURRENT ADDRESS TO BE UPDATE TO XXXX XXXX XXXX   XXXX IN 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 2019-04-23 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2018 I had a charge for {$230.00} from XXXX XXXX which I did not make or have any idea about. I had never heard of the company before. I found out about the charge when I received my CITI statement XX/XX/2018. I immediately called CITI the next working day to make a claim/dispute the charge ( XX/XX/2018 ). I later received a letter which asked me what I had done to rectify the issues regarding the fraudulent charge ( s ) on XX/XX/2018. I forwarded CITI the correspondence I had with XXXX XXXX ( E-mail sent XX/XX/2018 ) in which they stated they couldn't assist me with the issue and to have my financial institution ( CITI ) contact them instead. I then  received a letter on XX/XX/2018 that stated that I would be responsible for the charges as I had not sent a " Complete response '' to them about the fraudulent charges. I am not sure how I had not sent a complete response to CITI as I sent them everything I had and was asked to provide. XXXX would not speak with me about the issue, so I assumed CITI would speak with them. I'm not sure what else I could have done about this as I had no knowledge about the charge and XXXX refused to speak with me about the charge. I figured CITI would investigate where the item was shipped or something of the sort to be sure my claim was legitimate, but instead they declined my claim and left me to pay for something I didn't not order, receive, or have any idea about.

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 2019-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: OH

Complaint narrative:
XXXX promised me in 2008 that I will secure a career and 90 % + will secure a job placement in the first 6 months. The loans would be a small part to pay compared to the big outcome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 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: FL

Complaint narrative:
I contacted the credit bureau and companies reporting. I have never received any information. it's been more than 30 days. These accounts are inaccurate and i have no knowledge or obligation. Accounts appear to be fraud related.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I HAVE REQUESTED FOR THE FRAUD ALERT ON MY CREDIT REPORT TO BE REMOVED BUT LOOKING AT MY PROFILE IT STILL SHOWS I HAVE A FRAUD ALERT ON MY REPORT AND IT'S MAKING APPLICATION DIFFICULT FOR ME. I NEED THE FRAUD ALERT REMOVED FROM MY REPORT ASAP. AND I HAVE ALSO REQUESTED FOR MY CURRENT ADDRESS TO BE UPDATE TO XXXX XXXX XXXX   XXXX IN 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 2019-04-23 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 contacted the credit bureau and companies reporting. I have never received any information. it's been more than 30 days. These accounts are inaccurate and i have no knowledge or obligation. Accounts appear to be fraud related.

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 2019-04-23 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: FL

Complaint narrative:
I contacted the credit bureau and companies reporting. I have never received any information. it's been more than 30 days. These accounts are inaccurate and i have no knowledge or obligation. Accounts appear to be fraud related.

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 2019-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX fied XX/XX/XXXX. CApital one still has not addressed. The credit bureaus are still reporting information wrong on my report for multiple accounts from cApital one. I asked for a full detailed method of verification report. Capital one has done nothing prior. I filed the complaint with your bureau XX/XX/19 and still Capital one has done nothing. If they are going to report negatively they NEED to send the method of verification required by law. They are refusing to do so or even answer you. This is unacceptable and a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have contacted Experian several times via phone, online and first class mailings on many occasions in regards to 1 account that was placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it! It makes it look very bad on my credit report, and reporting negatively. I am trying to get financed for something and it makes it difficult when they're checking credit, and I have a negative account that does not belong to me reporting inaccurately. I have disputed and reached out to Experian several times and they say the same thing over and over.The companies need to either send proof of validation or it needs to be removed This account does not belong to me I have done FTC I have called and they have told me that they are handling it and they have received proper paper work and I should see an update and I never do.The following account that is reporting is ... XXXX with a balance of {$1400.00}

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 2019-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Citibank accepted a full mortgage modification package from me XX/XX/XXXX. As I have been dealing with my wife 's serious illness, I had no choice but to submit for a modification. Citibank  has never requested updated financials, and outright denied my application for modification without a written description of any problems. There should be no problem as my income is well within debt to income ratios. Then suddenly, I got served with a foreclosure action that was dated XX/XX/XXXX. This is a true violation of the amended version of the Fair Debt Collection Practices Act of XX/XX/XXXX. I had to file an answer to defend myself against the foreclosure action, and then suddenly Citibank sold the mortgage servicing rights to XXXX XXXX XXXX XXXX XXXX ( XXXX  ) on XX/XX/XXXX. Citibank filed an illegal foreclosure action, as my mortgage is owned in a securitized trust. I have submitted two qualified written requests and to this date Citibank has refused to show the true ownership of my mortgage. Having not listed the true owner of the note VOIDS the foreclosure action. Citibank must show attachment on servicing and the right to foreclose. I will be submitting a request for a full investigation with the Federal Deposit Insurance Corporation, as these types of illegal activities must be stopped by national banks. The CFPB recently fined Citibank and its subsidiaries for this type of illegal foreclosure actions. I demand the foreclosure be ceased immediately by the succeeding mortgage servicer and for my modification package to be transferred and given full consideration. This situation is a mess caused by a horrible banking operation called Citibank. The American banking system is better than this and should show it with the American public.

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 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES
State: IN

Complaint narrative:
XXXX XXXXk and Zwicker & Associates tried to collect a debt that was beyond the statue of limitations and forced me into a second arbitration after XXXX defaulted in the first arbitration. " XXXX 's dilatory conduct resulted in unnecessarily lengthy cloud over my credit history. 
XX/XX/XXXX, XXXX filed a claim against me in small claims court. 
XX/XX/XXXX, case went into arbitration. 
1. XXXX XXXX failed to pay arbitration fees. XXXX XXXX XXXX made several attempts to collect arbitration fees. XX/XX/XXXX, XXXX warned the parties that if fees were not paid in 30 days, they would assume that XXXX is not interested in pursuing arbitration. On XX/XX/XXXX, the case was closed by XXXX XXXX XXXX. This was a breach of XXXX 's contract agreement. 
2. XX/XX/XXXX, XXXX filed a motion to return case to active docket. " XXXX ( wrongly ) alleged that I failed to pay fee. One of the misstatements. 
3. XX/XX/XXXX, XXXX the case was dismissed without prejudice. The court stated leaving this open on my credit history is unduly prejudice. 
4. XXXXXXXX, XXXX, XXXX filed motion to vacate the dismissal knowing the statue of limitation had passed ( see page 4 of 13, # 4 ). XXXX asked to stay the case knowing they were in default for failure to pay therefore XXXX wasn't entitled to a stay ( see page 12 of 13, sect 24 ). 
5. XX/XX/XXXX, XXXX filed a 2nd arbitration. 
6. I filed several motions to dismiss case with prejudice. 
7. XX/XX/XXXX, I was forced to arbitrate ( the second arbitration ). XXXX never supplied me with documentation of the alleged debt and told the arbitrator they did not give me a copy. I told the arbitrator the statue of limitation had passed. The Arbitrator still ruled against me. 
8. I filed an appeal in the Court of Appeals of Indiana. I won my case on appeal. The Appeal Court stated the Small Claims Court had abused its discretion by granting XXXX 's motion and reinstating the action against me three years after the complaint had been filed and 2 years after the matter had bent sent to arbitration. 
9. The Appeal Court stated, " XXXX 's dilatory conduct resulted in unnecessarily lengthy cloud over XXXX 's credit history. '' " In it's motion to set aside the dismissal, XXXX offered no explanation for its inaction and no good cause for reinstatement. '' 10. XXXX and Zwicker & Associates clearly violated the FDCPA and FCRA I am attaching the Court of Appeal Opinion and the remanded ruling from the Small Claim Court. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
I have a XXXX mortgage on my home at XXXX XXXX, XXXX, MI XXXX. I filed for bankruptcy and was granted relief in XXXX of XXXX. The loan was sold by XXXX to XXXX XXXX in XXXX I believe because articles state all mortgages where sold to them. I havent been able to contact either company and I have no information on resolve the outstanding balance. The XXXX mortgage ( home equity loan ) account number is XXXX. 

I am in the process of settling all the mortgages on the home so I can save it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
There was an XXXX that was not mine, I disputed it and had the debt validated. Collection company removed debt from credit report and not collection company has reaadded account to my credit report causing damage to credit history.

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 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I found out from the credit reporting bureaus XXXX, XXXX and XXXX XXXXhat there was a negative account under " LVNV Funding LLC '' under account number XXXX. Resurgent Capital Services/LVNV has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Resurgent/LVNV has failed to provide the information requested. Resurgent/LVNV is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately.Resurgent/LVNV Funding has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that LVNV Funding has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Resurgent currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither LVNV Funding or Resurgent Capital Services possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.Until the above referenced documentation is provided, the undersigned 's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, Resurgent/LVNV Funding shall immediately remove this account from all three ( 3 ) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Company has been notified a number of times that this account is a result of identity theft. I have reported this to police and the Federal Trade commission. Police report Done in XXXX XXXX case # XXXX XXXX XXXX XXXX # XXXX. FTC report # XXXX. I also have screen shots of all the telephone numbers Portfolio Recovery calls from. They call from various numbers all all the county trying to trick the consumer. They even make local numbers just to call me from. They will deny this but the phone log on the XXXX does not lie and when the numbers are called back they answer with their business name. I am going to turn this list of number and screen shots over to the Attorney Generals office for harassment and the fact they keep reporting this ID theft account on my credit reports. Furthermore, this collection company was notified of various other accounts in which I told them did not belong to me but they continued to harass me until the banks looked into the matters and confirmed the accounts to be fraud. Once they learned the banks verified the other accounts where not mine then and only then did Portfolio Recovery back down from their collection attempts. The account is reporting as XXXX XXXX Bank for {$440.00} via Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I possess an Ultamate Rewards MasterCard which rewards points as the rewards for purchases. The points can be used towards purchases made at XXXX stores and XXXX XXXX. After the last monthly allotment of points my account had approximately a {$15.00} credit. During the checkout online for a purchase, I had to update my personal account with my new credit card number for payment of the purchase. The computer system then deleted all my accrued points and zeroed out my unused points. When I contacted XXXX customer service via email, A rep named XXXX said that my points will be held in limbo by the computer for 2 weeks and I can not use them for these 2 weeks despite my having been awarded these points already during the last monthly billing statement. I find this practice of holding points XXXX in the system a very deceitful practice and not customer service oriented.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XX/XX/2018 i contacted XXXX in reference to two accounts being reported as bad debt..i first asked them to furnish me with the original application showing my signature..Rep said she didn't have to SHOW that i told her according to fdcpa A debt has to be proven she said their is no such thing ... 2nd i asked when did i come to agreement with XXXX to have access to my medical records..i advised her i need proof of such occurrence..she placed me on hold..a supervisor got on the line stating if debt was not paid they could garnish my wages even sue me i asked for this in writing they disconnected the call.. I called back another representative came on the line and immediately said we refuse to talk to you and disconnected

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 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
There is an XXXX  accouny with XXXX XXXX XXXX that is not my account. I have requested that the collection agency validate the account and have not received answer in timely manner.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Company has been notified a number of times that this account is a result of identity theft. I have reported this to police and the Federal Trade commission. Police report Done in XXXX PD case # XXXX officer XXXX  Badge # XXXX. FTC report # XXXX. I also have screen shots of all the telephone numbers LVNV Funding LLC calls from. They call from various numbers all all the county trying to trick the consumer. They even make local numbers just to call me from. They will deny this but the phone log on the XXXX does not lie and when the numbers are called back they answer with their business name. I am going to turn this list of number and screen shots over to the Attorney Generals office for harassment and the fact they keep reporting this ID theft account on my credit reports. The account is reporting as XXXX XXXX XXXX for XXXX on XXXX etc. via LVNV Funding LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Okay this happened in 2012 and I was young. I was trying to buy something on a XXXX server and it was XXXX and I never received the stuff I should have so I tried it again. Still nothing ever happened talked to the people on the server and I talked to pay pal and they just never did anything with the money but it was taken out of my account.

Company response to consumer: Closed with explanation