vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
When I reviewed my credit report a collection account was on there. I do not have any knowledge of this debt and I would like this debt to be validated/verified. The account is : Convergent Outsourcing # 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 explanation
Consumer complaint received 2021-06-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2020 XXXX  {$88.00} XX/XX/2020 XXXX XXXX XXXX  {$10.00} XX/XX/2020 XXXX  {$160.00} XX/XX/2020 XXXX XXXX XXXX {$140.00} XX/XX/2020 XXXX XXXX XXXX {$170.00} XX/XX/2020 XXXX XXXX XXXX {$210.00} XX/XX/2020 XXXX  {$95.00} I contacted Chase bank to dispute the charges because those transactions were unauthorized, so I waited 2 months till the bank sent me the letter, informing me that the transactions were valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I have noticed in the past three months, since XX/XX/XXXX, when I filed a joint action against Equifax for their data breach of XXXX, my credit score has dropped 100+ points. I am requesting a full investigation why Equifax is reporting a credit score of XXXX. Meanwhile, as of XX/XX/XXXX, XXXX is reporting a credit score of XXXX & XXXX is reporting a credit score of XXXX. I have contacted Equifax on several occasions & their representatives have basically no valid answers. This is hurting my credit profile & I demand to know why?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
A complaint was filed with your Agency against Rushmore Loan Management in case number XXXX, and on XX/XX/XXXX, a response from Rushmore was filed with your Agency, reversing their position that I was not eligible to remove PMI, prompting your Agency to close the file on my initial complaint. I immediately requested from Rushmore that an appraisal of my property be conducted with the understanding that I would pay the said appraisal fee. Rushmore acknowledged receit of my correspondence and assured me that said request had been sent to their appraisal office for action. Severally, I was informed by Rushmore that it would be done. This issue of appraisal was supposed to have been escalated, but nothing came out of the escalation. I spoke with a couple of supervisors concerning this issue, yet it is yet to be addressed.

Rushmore is not providing me the reason it is dragging its feet on this matter. I would appreciate your Agency involvement one more time on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have made purchases and the money is put on hold for my account balance which withhold it from my available balance. When money is deposit into my account the amount is removed once again. Also, I have made an purchase and the money is removed from my account then once I return item the amount is not put into my account for my available balances. These items are not deposited into my account because the dates in my account are not correct meaning it do not show the actual correct amount. I have noticed this several times, however, once I reported it to my bank they say the dates are not showing duplicate withdrawals which it wouldnt because the dates are wrong. I have proof how I have purchased something then return the item and the amount was not available but shows how it was put into my account on the date I purchased it not the date it was available. Therefore, it wasnt any money available in my account.

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

Complaint narrative:
Lexis Nexis illegally obtained my personal information from a 3rd party source ( XXXX ) WITHOUT MY WRITTEN CONSENT. Lexis nexus in the letter told me that my bankruptcy is public record, but that is a lie pursuant 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy, which states I THE CONSUMERn decides what is private to me, and I DEEM THIS bankruptcy to be a very private matter. I feel very violated because I never gave XXXX written permission to share my information with anybody so they violated Under 15 U.S Code 1681b permissible purposes of consumer reports because I never gave you any written consent to report anything on my consumer report no consent is identity theft. I wrote a letter the the bankruptcy court and they told me that they never shared my information with the credit Bureaus and lexis nexus is blaming it on XXXX. either way it goes, they all broke the FCRA LAWS when they shared my information illegally. under FDCPA 807 misleading false reporting you can not legally report this private bankruptcy to the credit Bureaus.please remove it asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I tried to pay my bill before it was due and Capitol One customer service would not help me with getting online to pay my bill. Neiman Marcus Credit services were taken over by Capital One and I was told I had to re-registered for online service. 

Capital One refuses to give me another way to sign onto my account online other than by telephone would not allow me to receive a code by email. I paid my last bill by their automatic system telephone but have not received a Neiman Marcus bill since Capital One took over the account in two months I was told by telephone what my balance was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ).

A furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification.

I have late payments on my report, I want removed because I am a victim of Covid-19 and legally Capital One should not have them there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Hello, On ( XX/XX/2017 / {$640.00} ), CAPITAL ONE BANK added a derogatory mark on my credit report per XXXX The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mined. 
According to the FCRA, CAPITAL ONE BANK has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately. 

I am respectful, experiencing Hardship / Relief via The CARES Act is LAW. Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with. 
XXXX and XXXX have removed this dispute. XXXX ( Refuse ) to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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:
There is one account and two inquiries on my Transunion report that does not belong to me I need this off my report since I have not signed, used or approved this account. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRY Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XXXX XXXX, 2020 Reason : I don't recognize this inquiry

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 2021-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I checked my credit report and had two inquiries I did not make or approve and I received two phone calls from XXXX XXXX in XXXX, NC. on XX/XX/2021. The credit reports were from Capital One, XXXX XXXX Bank, XXXX bank of Delaware on XX/XX/2021. Im going to contact the company and report these fruadulent inquries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: LA

Complaint narrative:
I entered a consumer credit transaction with the original creditor and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX.ONLINE COLLECTIONS ( A THIRD PARTY DEBT COLLECTOR ) has now involved themselves into a consumer credit transaction and I have no contract obligation with them, they are now threatening me for an alleged debt that ONLINE COLLECTIONS claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. ONLINE COLLECTIONS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I receive many phone calls from Midland Credit Management agents. They never stopped harnessing me to pay them a debt I don't owe. They never stopped harnessing even my wife through her phone. I sent them two debt validation letters to inform them clearly that I do not own that debt. I requested them to stop contacting me, but they ignored all of that. I did not receive any information about that purported debt. I feel it is becoming like a nightmare. Last week, I received a threatening mail signed by their division manager XXXX XXXX, to inform me that if I did not pay them, will hire an attorney in my state to sue me and put a lien against my property. Garnish my wages and bank accounts. They threatened me that they are willing to obtain information about my assets by a subpoena to appear in court. Please help me end this nightmare of threats, it is the worst violation of the Fair Debt Collection Practices Act ( FDCPA ), and I want this to stop immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital one has had my account closed for months for no reason I do not have a branch where I live I have XXXX in my account and they will not give it to me I been struggling because of them I called and called for almost 2 months straight and got no where this is honestly redicoulus they said there closing the account and I can withdraw my funds but its been months at 4 or 5 I was still XXXX when this happened my daughter is almost XXXX XXXX XXXX this is absolutely rediculous this has happen to alot of people with them they are taking peoples money. My grandmother has called them many times also to get removed off this account so they dont have to go thru her again I do not live near a branch

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bankers Auto Acceptance
State: CA

Complaint narrative:
COVID-19 FEDERAL HARDSHIP EXEMPTIONS/ TRUMP FRESH START DEBT CONSOLIDATION/ NEWEST PANDEMIC ACT : ( CARES ), ( PPP ), ( PUA ), ( FPUC ), ( PAC ). 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EXPEDITED GOOD FAITH DISPUTE LETTER TO : TIME FINANCE COMPANY SETTLEMENT IN BEST INTEREST TO : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - STOLEN AUTO & THEFT INCIDENT TIME FINANCE acted in bad-faith. 
XXXX XXXX Proof of Full-Coverage Claim filed timely with insurance. 
Claim wrongfully rejected. 
Report filed by Sheriff Dept. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - TOTAL-LOSS TOTAL-PAY-OFF : Tax 1099C Cancelled Debt {$11000.00} Auto Loan Balance. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - VEHICLE INFORMATION Policy # : XXXX Claims # : XXXX Loan # : XXXX Auto : XXXX XXXX XXXX XXXX. Plate # : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CODE OF ETHICS/ SUFFICE CASE-LAW SETTLEMENT BEST INTEREST TO : XXXX XXXX XXXX XXXX, CIVIL REMEDY, CIVIL DEFENSE 663. TORT ACTIONS AND CONTRACT LAWS 663-15.5 RELEASE GOOD FAITH SETTLEMENT ( 1 ) SPECIAL PROCEEDINGS ( 2 ) REDUCE OR DISMISSAL amount paid or whichever is greater ( 3 ) DISCHARGE DEMAND to party to whom it is given liability https : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- BREACH OF CONTRACT/ SUFFICE CASE-LAW SETTLEMENT BEST INTEREST TO : XXXX XXXX AUTO LIEN SALE , AUCTION, CANCEL DEBT OPTION REFUND CREDIT- amount of unearned portion of finance charge SECT. XXXX extended, deferred, or refinanced, as. 
REFUND CREDIT- credit in cash or credit buyer obligated contract. 
1 : ( A ) CASH PRICE debt cancellation agreement option.

( D ) FOR THEFT DETERRENT SECT. XXXX BUYER CREDITED against the evidence by contract SECT. 5604 VEHICLE CODE Full-Coverage for Loss or Damages. XXXX : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - BYLAW XXXX MUST ACCEPT TOTAL AMOUNT POLICY LIMIT PAY-OFF DEMAND. 
( Johnson v. California State Auto Assn. ( 1975 ) 15 Cal.3d 9 ). 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - BYLAW XXXX FULLY-LIABLE TOTAL AMOUNT POLICY LIMIT PAY-OFF DEMAND. 
( Miller v. Elite Ins. Co. ( 1980 ) 100 Cal.App.3d 739, 756 ). 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - BANKRUPTCY CODE SECTION : 7, 11, 12, 13. 
https : //www.courts.ca.gov/1067.htm? rdeLocaleAttr=en -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - DISPUTE CODE SECTION : 609, 611, 613.

www.courts.ca.gov/documents/adrreport.p
df -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PRIVACY LAWS : ( FCRA ), ( CCPA ), ( CPPA ). 
www.courts.ca.gov/documents/SP11-15.pdf RESPECTIVELY.

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 2021-06-06 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XXXX XX/XX/21 my bill for {$130.00} did not go through when I was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never called or notified me the rejection and gave me this late payment. 

Sincerely.

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

Complaint narrative:
XXXX XXXX illegally obtained my personal information from a 3rd party source ( XXXX ) WITHOUT MY WRITTEN CONSENT. XXXX XXXX in the letter told me that my bankruptcy is public record, but that is a lie pursuant 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy, which states I THE CONSUMERn decides what is private to me, and I DEEM THIS bankruptcy to be a very private matter. I feel very violated because I never gave XXXX written permission to share my information with anybody so they violated Under 15 U.S Code 1681b permissible purposes of consumer reports because I never gave you any written consent to report anything on my consumer report no consent is identity theft. I wrote a letter the the bankruptcy court and they told me that they never shared my information with the credit Bureaus and XXXX XXXX is blaming it on XXXX. either way it goes, they all broke the FCRA LAWS when they shared my information illegally. under FDCPA 807 misleading false reporting you can not legally report this private bankruptcy to the credit Bureaus.please remove it asap.

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 2021-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
Nelnet has engaged in questionable practices over the many years it has serviced my student loan to include ignoring the soldiers and sailors civil relief act by failing to lower the interest rate on my federal student loan below 6 %, applying overages in payments to future payments instead of principal, and also lying to the federal government and the CFBP about the true terms of my loan in order to disguise its predatory practices. When I got engaged with Nelnet I was XXXX to XXXX.

Company response to consumer: Closed with explanation