vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES 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 non-monetary relief
Consumer complaint received 2022-02-21 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: NV

Complaint narrative:
I have been working to gain clarity of a matter with Convergent Outsourcing since I first received correspondence from them in XX/XX/XXXX. They sent me a letter dated XX/XX/XXXX that resembled a paper check from the outside of the envelope. Once opened, there are several different mailing addresses listed on the letter with repeated mention of XXXX  XXXX  XXXX, XXXX WA for accepting payment, the same address solely listed on the envelope without a business letterhead or address. After sending a debt validation letter, it was over 42 days before I received a response claiming a verified debt with attempts to collect, almost two weeks past the federal law limit. 

The documents received did not outline liability for the debt nor did I receive detailed information including proof of legal status to run this collection account, per my requests. I did my own investigation and learned that not only is Convergent Outsourcing 's po box address is not listed on their foreign business license in the state of Nevada ; but the information that I asked to be provided and had to find out on my own is unfair and inaccurate. Everything mentioned constitutes FDCPA violation also breaking Nevada state law. ( NRS 649-370, NRS 649-375 ( 2 ) ( 4 ), 15 USC 1692e ( 2 ) [ a ], 15 USC 1692f 808 [ 1 ] ) According to my records, after sending an initial debt validation letter XX/XX/XXXX, Convergent Outsourcing received my request letter XX/XX/XXXX. The letter I received back is dated XX/XX/XXXX but postmarked XX/XX/XXXX. This is another deceptive practice to attempt too collect upon a debt not owed. On XX/XX/XXXX, I sent a letter requesting further detailed information again regarding this purported debt noting the clear FDCPA violations already made. However, 30 days later and I haven't received a response. 

After reaching out in accordance to the FCRA, requesting verification of this account and demanding proof of legal rights to furnish confidential and personal information, Convergent Outsourcing has failed to follow up or give any details into their erroneous ways in a timely fashion. This account is linked to fraud activity/erroneous reporting from ( XXXX XXXX ), which is currently reporting on my credit. I need correspondence for my records to correlate the facts of this inaccurate matter and Convergent Outsourcing has made it beyond difficult to maintain proper recordkeeping by attempting to collect a debt under deceptive practices as well as unethical business structure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information 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 non-monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
DUE TO THE COVID19 I WAS ON A FOREBEARANCE THAT WAS SET TO EXPIRE ON XX/XX/XXXX. I CONTACTED IN EARLY XXXX MY MORTGAGE PROVIDER NEW REZ AND SPOKE WITH AN AGENT WHICH ADVISED OF MY NEXT STEPS WHICH INCLUDED A PARTIAL LOAN AND A LOAN MODIFICATION. I WAS ADVISED BY THE AGENT I DID NOT HAVE TO MAKEE A PAYMWNT UNTIL XX/XX/XXXX. I COMPLETED ALL DOCUMENTS THAT WAS SENT TO ME ON TIME AND I MADE THE PAYMENT AS I WAS ADVISED ON XX/XX/XXXX. THE COMPANY REPORTED AS BEING LATE FOR THE XX/XX/XXXX AND XX/XX/XXXX. I HAVE REACHED OUT TO THE COMPANY SEVERAL TIMES AND WAS TOLD WAS NOTHING THEY COULD DO ABOUT IT AND ADVISED ME TO DISPUTE WITH THE CREDIT BUREAUS. I HAVE EXLAINED THAT I WAS ADVISED BY THE AGENT AND IF THEY COULD LISTEN TO THE CALL BECAUSE THEY SAY THE CALLS ARE RECORED. I WANT THE LATE REPORTING REMOVED BECAUSE BASED ON WHAT I WAS TOLD BY THEIR AGENT I DID WHAT I WAS TOLD AND THEY TOLD ME MY MORTGAGE WOULD REAMIN IN GOOD STANDING. I FEEL LIKE IT WAS A BAIT AND SWITCH BECAUSE THE AGENT INFORMED ME SEVERAL TIMES NOTHIG WOULD HAPPENED AND THE LOAN WOULD REMAIN IN GOOD STANDING AS LONG AS I RETUNED THE DOCUMENTS WHICH I DID ON TIME. PLEASE HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize any of the listed inquiries below and request that they all be Deleted from all three credit reporting agencies. Thank You. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 TransUnion XXXX XX/XX/2021 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 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize any of the listed inquiries below and request that they all be Deleted from all three credit reporting agencies. Thank You. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/2021 Equifax XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: ME

Complaint narrative:
I asked for covid-related forebearance for my FHA mortgage XXXX XX/XX/XXXX. This was extended in XX/XX/XXXX, XX/XX/XXXX, and and XX/XX/XXXX. In XXXX I contacted Caliber Home Loans to understand my options. I asked if further extension was an option, and they said I would need to apply. I said no thanks, and on XX/XX/XXXX asked to have a Partial Claim agreement sent to me for the subordinate debt. I never received that document. I have called and used their portal to ask about the status and they have said it's still in process. Last Thursday I got a voice mail from Caliber and called them back today. The rep said the document was sent XX/XX/XXXX and since they never heard back from me I'd have to make two mortgage payments to enable the partial claim. I said no ; I never received that document ( they told me it was sent regular mail ), and I never heard from them about it. The rep said there's nothing she can do so I asked to speak to a supervisor. The supervisor told me the document was sent XX/XX/XXXX ( not XX/XX/XXXX ) and that since I never replied the partial claim is " closed ''. She said they called three times across XXXX and XXXX ; I don't have any voicemails from them. I have diligently returned all of their calls during the forebearance and through the partial claim discussion, why would I ignore them now? I then asked the supervisor to walk through the timeline ; she said the docs were prepped in early XXXX and sent XX/XX/XXXX, meeting the 30 day requirement. I said that's almost 60 days ; at that point she said, there's nothing she can do to " re-open '' the partial claim ( even though the rep said she'd be able to with two mortgage payments ) and I should file a complaint if I want to. 

I am very concerned about the knowledge and professionalism that was demonstrated during my calls with Caliber today. I believe there have been a number of mistakes made throughout this process that have had a negative impact on me as a consumer. How is an important document sent via regular mail? How did Caliber miss the 30 day window by almost a month? How does Caliber only make three follow-up calls ( which I have no record of )?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
On my XX/XX/XXXX, billing statement I incurred an unauthorized fee slam on me ( not agreed to ). On page XXXX of XXXX, the annual fee prescribes that " If your account has an annual fee, it will be billed each year ''. However, my card does not carry an annual fee where from XXXX until my XX/XX/XXXX billing statement I had possessed the " Wyndham Reward Visa Signature Card ''. On the XX/XX/XXXX statement, I was slammed with the Wyndham Rewards Earner Plus which they ( Wyndham ) suggest carries an annual fee. Again, when you read page XXXX of XXXX it asserts that " if '' your account has an annual fee. 

Moreover, I was never notified of such fee. On or about XX/XX/XXXX, after receiving my XX/XX/XXXX statement I became aware of the outstanding annual fee and contacted Wyndham regarding the annual fee. At that time they indicate that they were unable to remove the annual fee. After reviewing my pertinent Wyndham documentation, I was unable to locate the annual fee notification. Furthermore, I had 45 days to downgrade back to the no annual fee card. Today ( XX/XX/XXXX ) I contacted Wyndham again and they again asserted they were unable to revert back to my original card nor refund the {$75.00} annual fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
The account with MIDLAND CREDIT with account XXXX has been reporting derogatory in my credit report however, payment history shows that I paid on time. There is no payment report in my XXXX, I would like to request for complete payment on this. Also, the balance says that I have zero balance. I'm not sure if the Bureaus have conducted a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX  XXXX  XXXX {$13000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 non-monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
This is my fourth complaint against US Bank regarding XXXX Advances charge. US Bank responded to my first XXXX complaints and I found the response to be unacceptable. This complaint should be sent with Complaint No. XXXX. 

Specifically, US Bank states in their XXXX XXXX Letters : " If we did not know the last amount of insurance coverage you had. We purchased coverage in the amount of the unpaid principal balance of your account on the date we requested insurance to begin. '' Per my previous complaints, my loan with US Bank is a XXXX. In accordance with XXXX and XXXX regulations US Bank is not allowed to charge insurance premiums for amounts higher than the unpaid principal. 

Especially, if they claim the XXXX XXXX XXXX only covers the bank 's interest. 

In XX/XX/XXXX my loan balance was {$16000.00} and US Bank 's bank coverage was for {$130000.00}. The policy premium was {$1100.00}. 

In XX/XX/XXXX my loan balance was {$14000.00} and US Bank 's coverage was for {$130000.00}. The policy premium was {$1200.00}. 

In XX/XX/XXXX my loan balance was {$12000.00} and US Bank 's coverage was for {$140000.00}. The policy premium was {$1100.00}. 

Note, I do not have the declaration letter for the XXXX policy coverage that cost {$1100.00}. 

Furthermore, US Bank paid " XXXX '' policies in XX/XX/XXXX and XX/XX/XXXX XXXX months after the fact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: CA

Complaint narrative:
Per the company ( CARMAX AUTO FINANCE ) statement my monthly payment is considered overdue but there is a period of time I have between my due date and the next bill being generated that I can pay the bill and any late fees applied where it wont hit my credit or go into collections. I called them and notified them that the payment would be late yet they persisted to call me EVERY DAY LAST WEEK before I finally called them and applied a payment as I had finally been paid. I have told them to stop calling me incessantly especially since I ALWAYS call them to let them know Ill be late if thats the case. I want them to be blocked from calling me especially since I have been diligent in paying them no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
XXXX XXXX sold debt to NCB XXXX XXXX NCB Management Services Inc . 
Address : XXXX XXXX XXXX XXXX, PA XXXX Customer Inquiries : XXXX Business Inquiries : XXXX Email : XXXX They call me daily, if not several times per day. Each time I have answered and simply stated to stop calling this number. I also filled out their Opt-out form via their website. 
I do not want them calling me any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: IN

Complaint narrative:
Dear Sir or Madam : I am the victim of identity theft. I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this charge I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
1. XXXXr XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Dear Sir or Madam : I am the victim of identity theft. I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this charge I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
1. XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation