vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Just recently got a letter from convergent saying i owe an alleged debt of {$710.00} I haven't done any business with this company nor did I have a contract with this company they are in clear violation of my consumer rights under the FDCPA 15 1692b ( 2 ) stating that I owe an allege debt and 15 usc 1692b ( 5 ) I am attaching a cease and desist letter to stop all further communications

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 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello, I filed a complaint later XXXX with the code XXXX Complaint on the consumer finance website against Wells Fargo in cooperation to get {$100.00} monetary relief from overdraft fees that was accepted and we were told that we were going to be refunded for the {$100.00} in overdraft fees on XX/XX/2021. We never received our money and havnt had any updates on when that was supposed to be arriving. 

We would like our money if possible since Wells Fargo already said that we were going to be refunded. Thank you! 

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 2021-04-06 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX ... XXXX XXXX XXXX  ( Original Creditor : 11  XXXX XXXX XXXX XXXX XXXX ... GENESIS CRDT ( Original Creditor : 09 XXXX  XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: I.C. System, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX  ) XXXX ... I C SYSTEM ( Original Creditor : 11 XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX ( Original Creditor : 09 XXXX  APARTMENTS ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 explanation
Consumer complaint received 2021-04-06 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: CA

Complaint narrative:
I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX  XXXX XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX and XXXX  XXXX  XXXX  XXXX  XXXX. Also filing a dispute for unidentified inquiries on my credit report as well for the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX/XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX. from my credit report. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

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 2021-04-06 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: NV

Complaint narrative:
On my US Bank account on XX/XX/XXXX There were 3 unauthorized transactions. withdrawals of {$500.00}, {$1000.00} and {$1000.00}. That is a total of {$2500.00}. 

I called US Bank on XX/XX/XXXX to report the fraud. They said it would take 5 business days to put the money back. I called back on XX/XX/XXXX, they said it will be done that day. On XX/XX/XXXX I called again to inquire why it was not there. They just said that the person I talked to was mistaken and that it would take 10 business days.

10 business days came and went and the money was not returned. Today the 11th business day I called ( XX/XX/XXXX ) and they told me that they determined that it was an authorized transaction. I asked how did they know what an authorized or unauthorized transaction was? I was told that he didn't know because he didn't do the investigation and I have no other recourse other than to submit an appeal after I received the denial letter. The letter will be another 10 business days. In the meantime I have bills to pay. 

What is my recourse?

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 2021-04-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 and during the COVID period I have called my mortgage bank ( Wells Fargo ) For Forebarence plan and I got approved by them by phone to defer my mortgage payments at a later date, but after a month and a half I received a notice to take care of a past due mortgage payment which got me way surprised that I already had requested for the forbearance plan and called the bank to find out what happend and they had nothing in their record showing that the plan was established and they have already reported a late payment to the credit Bureaus without even any communications and any notices and I tried to explain them exactly of what happend and the fact that it wasnt my fault and in the history of my payments for 8 yrs I didnt have even 1 single late payment but they refused to help me. What they did to my report was very unethical and irresponsible. 
I dont even know that during the COVID, would they be allowed to report u for a late payment or not. In general I feel very very disappointed that the bank doesnt want to take any responsibility for their mistake not performing their job right and considering the whole situation as a good faith ground to delet the late payment from my report. Im really so sad because Im also trying to do a refinancing on my home and this one report is a big obstacle on my way of doing so. 
I really would like to ask for ur help to resolve this issue ASAP pls.

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 2021-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: WI

Complaint narrative:
I originally took out a loan with Regional finance located in XXXX, Wisconsin because I was feeling the effects of the corona virus and had a loss of income. This was from a check that was sent to me in the mail without applying. When I was having issues repaying the loan back their only option to assist was for me to take out an additional loan. I spoke with XXXX the manager at that location. I ended up getting a larger loan, which was not in my best interest, but I didnt have any other options. This also allowed me to defer my payment for a couple months. When it came time to make my first payment I did not have enough money because all my other credit cards were also neglected, along with my rent, my car payment, and utilities. I was in constant contact with them regarding them ; I reached out weekly. The loan is at a 50 % + interest rate and the apr is also 50 % + rate. I told them what I could afford and they were not willing to work with me. I eventually spoke to XXXX again and asked if the work with XXXX programs and she said yes. This is a non for profit company ( XXXX XXXX ) approved by the government to assist with lowering the interest rate with lenders. They refused the proposal send from this program and told me they would like to rerun my credit again and approved me for a new loan. They are not willing to assist when the goal for the past 5 months has been to make affordable payments with a reasonable interest rate due to the effects Ive felt with the corona virus. They will also have told me they will no longer contact me because I reached out to a non for profit program ( a 3rd party ) to assist. I feel I am being taken advantage of and my hardship is being used against me for their own profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: WA

Complaint narrative:
RE XXXX Case Number : XXXX XXXX : DISPUTE AMOUNT OF DEBT {$9600.00} Dear XXXX XXXX XXXX Exeter Finance Corp. : We are notifying you within 30 days after receiving this notice on XX/XX/XXXX that we dispute the validity of this debt or any portion thereof. We have included documentation of payment history from the Trustee, and a cashier check for the balance. See Attached. 

On XX/XX/XXXX we purchased a cashier check from XXXX XXXX  for {$3100.00} to Exeter Finance LLC. and sent it by US Mail Certified Mail Receipt to the address above. Account # XXXX XXXX. According to XXXX XXXX  the cashier check for {$3100.00} was CHASHED ON XX/XX/XXXX. Exeter Finance Corp. Cashed our final payment of {$3100.00} and SOLD the loan to XXXX XXXX XXXX XXXX XX/XX/XXXX a month later. 
SEE ATTACHED. 
According to the Tracking number XXXX XXXX XXXX XXXX XXXX the Cashier Check was received by Exeter Finance LLC on XX/XX/XXXX and was signed for. We spoke to several customer service representatives, prior to selling our loan to XXXX XXXX XXXX. We need you to investigate the misappropriation of our funds that should have paid off our loan in full. We want the Title of our XXXX XXXX XXXX sent to the above address. If we dont hear from you in a timely manner we will file a claim with the Consumer Financial Protection Bureau FRAUD DEPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under National Credit Systems. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a XXXX validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Hard Inquires on both XXXX XXXX and XXXX  that are not mine. 

XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX and XX/XX/XXXX Coaf  XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OK

Complaint narrative:
In XX/XX/2020 I contacted Rushmore regarding the status of my mortgage payments and that we were struggling to make our mortgage payments due to a loss / decrease to our income due to COVID 19. We received nothing from Rushmore in writing until XXXX at which time they offered a " Modification '' agreement to adding 10 more years to our mortgage with no relief in the monthly payment but a few dollars. I called back on XXXX and advised them we were unable to make the " Modification '' Payment amounts at that time and we needed additional relief and requested a " Forebearance '' for our payments as my husband was struggling trying to find a better paying more consistent job due to the pandemic. At that time I was advised they were " recoding the system to request the assistance of the forebearance and that i would have something in writing within 10 days ''. On XXXX I called back as we still had not heard anything. I was then advised that there must be an error or oversight on their part and that the request would be escalated and I should be hearing from them within XXXX - XXXX hours. On XXXX I called back and was given the exact same ( verbatim ) sentence as my previous phone call on XXXX. As of today, I was told by XXXX Employee # XXXX, nothing has been done, there must have been an error and he was escalating to his manager and that we should hear back within a couple days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under Southwest Credit Systems. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CA

Complaint narrative:
I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX  COMPANY XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I make my payments to LOANCARE online thru bank billpay systems for years.I did all my payments on time for years but last XXXX they sent a letter stating they didn't receive my payment I see it online that it is gone, opened a claim thru bank, bank says it is gone, later they said they didn't receive XXXX payment also, they cleared XXXX payment. 

Bank sent me e-mails showing they contacted t the loan company and presented the proof but since they are third party no further assistance. I've been calling loan company many times giving them the payment confirmation numbers, dates, amounts but still for 6 weeks no solution. They stated payment payments gone to a different account number but I never changed the account number or they never let me know a change, it is a constant payee I've been doing payments for years. 
Customer service opened investigation but I can't reach anyone to talk. 

I opened cases online on loan company webpage I have ticket numbers, I sent all the copy of online payments and payment confirmation numbers. It takes almost my 2 hours everytime I talk and still no result. Plus I received a negative credit score in my credit history.

Each customer service representative says something different aech time, one says they didn't receive XXXX the other says XXXX Please help me solve this issue. 

I paid {$1800.00} for XXXX payment on XXXX I paid {$1800.00} for XXXX payments on XXXX Ticket number I opened to the company 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 2021-04-06 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605  B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation