vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
The three accounts I'm disputing : Convergent Outsourcing- Acct # XXXX, XXXX/ XXXX XXXX- XXXX ...., XXXX XXXX- Acct # XXXX. 
On XX/XX/2019, I sent XXXX a request for validation of three ( 3 ) accounts or otherwise remove the negative information off of my credit report. They reported the debts as valid and I again sent XXXX a second written request to provide to me how they " verified '' those accounts, and, again to provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of FCRA they are required to " ... promptly DELETE all information which can not be verified. '' On XX/XX/19 they sent a response " ... we were unable to honor your request or a portion of it ... '' I sent a THIRD letter to XXXX  warning them that I fully intend to pursue litigation against them to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617 regarding their willful and negligent noncompliance. Once again XXXX   responded XX/XX/2019, " ... we were unable to honor your request or a portion of it ... '' I fully intend to follow through with pursuing litigation. I already filed suit against Convergent Outsourcing for the same matter, and still awaiting a response from the other two creditors.

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 2019-05-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On three different occasions ( see attachments ), I sent a dispute letter to Experian disputing an unknown and unverified XXXX XXXX account that they are reporting on my consumer file. I requested that they provide me with a copy of the original contract with my name on it pursuant to section 609 ( a ) ( 1 ) ( A ) of the FCRA. In their response to each dispute, they stated that they verified the account and that it belongs to me.

They never provided the physical verification of a consumer contract with my name on it. I contacted the said original creditor to obtain these documents directly and they stated to me that they couldnt provide me with these documents ( original contract ) because that information wasnt retained when it was sent/sold to the collection agency. How did Experian verify this account?

They never performed a proper independent investigation. I formally requested a copy of the original contract with my signature on it for the following reasons : - Unknown Account : The above account is unknown to me and I need that original contract ( which XXXX XXXX can not or will not provide me ) to help clear my name with my future proceedings. 

- Unverified Account : This unknown account can NO WAY be verified that it belongs to me or that I personally opened this account. I need a copy of the original contract with my signature on it to prove the inaccuracies and prove that they are reporting an account on my consumer file that is inaccurate and TRULY unverified against me and vice versa. 

After several attempts to clear my name, this account remains on my credit report in violation of the FCRA.

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 2019-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TOWNE MORTGAGE, LLC
State: MD

Complaint narrative:
I started my home buying process in XX/XX/2019. I was promised by a Senior mortgage lender specialist at XXXX XXXX, a Division of XXXX XXXX XXXX, XXXX, that I qualified for two  grants in the state of MD and that it would be an FHA loan. I sent all the necessary documents that was required from the rep and even met with her and my realtor in person to ensure everyone was on the same page. Mid XX/XX/2019, I had questions regarding the amount of grant money I was receiving and found out that I was only receiving one grant which was not previously discussed but that I was still approved. At this point, I was informed my interest rate was locked in, what my monthly payment would be and cash to close. 7 days before my closing date of XX/XX/2019, I was informed that I no longer qualified for FHA and that I had to go conventional ; my interest rate went up .5 % and my monthly payment was going to be {$200.00} more than what was promised, my loan was never processed correctly by the rep. I contacted the district manager and the reps direct supervisor to explain my concerns and frustration. I was moving in a week and did not have a definite answer on why I was already told my FHA loan was approved and why were payments and interest rates changing at the last minute. I had already begun saving the necessary money to close my FHA loan and was legally binded in a contract with the seller of my new home. I never got the answer but instead was promised by the two of them that they would fix my loan. Five days away from closing I was informed I had to take a {$100.00} certification class that teaches you about the entire home buying process which should have been the FIRST step not last. I had expressed my interest to my loan rep on the importance of me learning this information to become knowledgeable in the beginning and she informed me I had to sign up on my own, another time. I am now TWO days away from moving and closing and I still do not have an approval from this company because of their negligence. They have yet to inform me on what it is they are able to do as a company to make up for their mistakes. This company has FAILED me miserably! This is supposed to be the happiest time of my life and they took that experience away from me. This entire transaction is unethical to mislead clients and put them in a position to be forced to take a loan they were never informed of days before closing. I have been given Inaccurate information countless times and would never wish this experience on ANYONE! I do NOT recommend doing business with this company. I will never forget how painful and stressful this experience has been.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On three different occasions ( see attachments ), I sent a dispute letter to TransUnion disputing an unknown and unverified XXXX XXXX account that they are reporting on my consumer file. I requested that they provide me with a copy of the original contract with my name on it pursuant to section 609 ( a ) ( 1 ) ( A ) of the FCRA. In their response to each dispute, they stated that they verified the account and that it belongs to me. 

They never provided the physical verification of a consumer contract with my name on it. I contacted the said original creditor to obtain these documents directly and they stated to me that they couldnt provide me with these documents ( original contract ) because that information wasnt retained when it was sent/sold to the collection agency. How did TransUnion verify this account? 

They never performed a proper independent investigation. I formally requested a copy of the original contract with my signature on it for the following reasons : - Unknown Account : The above account is unknown to me and I need that original contract ( which XXXX XXXX can not or will not provide me ) to help clear my name with my future proceedings. 

- Unverified Account : This unknown account can NO WAY be verified that it belongs to me or that I personally opened this account. I need a copy of the original contract with my signature on it to prove the inaccuracies and prove that they are reporting an account on my consumer file that is inaccurate and TRULY unverified against me and vice versa. 

After several attempts to clear my name, this account remains on my credit report in violation of the FCRA.

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 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
This company has been calling for 3 days even on the weekend. I spoke to representative by the name of XXXX and advised the person she is asking for is unknown to me. In addition, that person has never been connected to my phone number unless is was 16 years ago. I have had this numer for 16 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arbor Professional Solutions, Inc.
State: OH

Complaint narrative:
Ann Arbor Credit Bureau reported 4 accounts to my credit file that was given to them in error by XXXX. I had no idea about the accounts because I assumed XXXX billed both insurance companies which they failed to do. The only way that I knew is because this company reported the account to the credit bureaus. Ann Arbor Credit bureau never mailed me a letter until after the accounts were reported and I asked them for debt validation. I have attached what was sent to me which is clearly not validation as I requested. 
I contacted XXXX XXXX that confirmed that they contacted this agency to let them know that this debt was not valid ; this company was contacted on XX/XX/2019 and these accounts are still listed on my credit file. 
They never gave me validation as required by law but sent me copies of statements that was given to them by XXXX. Attached is a copy of the letter that was sent to me which is what they considered debt validation. I asked them to validate the debt as required by the fair debt collection practices act since they failed to do before they ruined my credit and my credit score.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
Gifted a 1995 XXXX XXXX to my nephew, XXXX XXXX, XX/XX/XXXX and signed a bill of sale, as well as submitted a release of liability to XXXX, CA DMV following. XX/XX/XXXX XXXX XXXX sold the vehicle to XXXX XXXX, drivers license number XXXX, address of XXXX XXXX XXXX, XXXX, CA XXXX, telephone number XXXX and received a signed bill of sale. XX/XX/XXXX, I, XXXX XXXX, received a notice dated XX/XX/XXXX from Lien Enforcement Inc, Specialized collection service, creditor XXXX XXXX  XXXX, reference number XXXX addressed to myself with a total due of {$1900.00} and stating the debt will be reported as mine to the credit bureau within 30 days. 2 legal owners have had the vehicle since I last drove in XX/XX/XXXX or had possession of early XX/XX/XXXX and this company is attempting to fraudulently hold me liable for the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: RI

Complaint narrative:
I checked my report before going to purchase a car and I noticed these accounts that don't belong to me. 

1. XXXX XX/XX/XXXX {$430.00} 2. XXXX XXXX   XX/XX/XXXX {$110.00} 3. XXXX XXXX XX/XX/XXXX {$220.00} 4.XXXX XXXX/ XXXX XX/XX/XXXX {$260.00}

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 explanation
Consumer complaint received 2019-05-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The official street name of my address is ; XXXX XXXX, XXXX I have repeatedly requested Experian to correct my address and they have lied, insulted and refused. Their claims run the gamut from ( 1 ) your creditors gave us that address ( 2 ) The USPS verified that address ( 3 ) we are not allowed by law to change your address. 

I have lived at this address for five years : XXXX XXXX XXXX, XXXX XXXX, GA XXXX But Experian says my street name is : XXXX XXXX, XXXX I have called and talked to multiple people the last person ( XXXX, supervisor in XXXX XXXX ) was discounting, XXXX and insulting. We experienced multiple language challenges. XXXX tried to explain to me how the USPS works -- I have live in the United States all my life. Experian has the most uninformed representatives that do not take feedback and show total disregard for their US customers. 

I have spoken to and written to the USPS and they have my street name listed just the way I do " XXXX XXXX, XXXX ''. I have reviewed my creditors and none of them have the incorrect version that Experian has refused to correct. 

Experian has consistently underreported my information, incorrectly reported and not take care to be an ethical corporate citizen. I have had to put a freeze on my account just to protect myself from being impacted by Experian 's sloppy handling of my information. 

I have asked to have XXXX XXXX manager, Mr. XXXX, contact me however, I have not heard from him. The Experian representatives are unwilling to work for the consumer and therefore will argue incessantly to keep wrong information. 

Please help me resolve what should have been an easy resolution.

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 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hello, To whom ever is reading this. Thank you for the time. 

Every month on the XXXX I get a charge for {$32.00}. The below information between the double ** is what appears in my credit card report. I have tried contacting experian a minimum of 5 times because I don't know what this charge is and i want to 1. Find out. 2.  Cancel it. Yet the phone number i call from my cc report and from their own website leads me to a phone menu i can not use to get in touch with a person. It asks for my account number. I don't know it because i'm not even sure what this charge is for let alone any account numbers associated with it.I attempted to sign in via the website but could not and when i requested the " i forgot my account / I forgot my password " options I never received that email to re set my password or acount. I simply want to talk to this company to know what this reoccurring charge is and I can not do that. I have tried over 5 times. 



**Experian* Credit Repor XXXX XXXX  {$32.00} Merchant Info XXXX XXXX United States  Merchant Category DIRECT MARKETING-CONTINUITY SUBSCRIPTION MERCHANTS Purchase Method Online, Mail or Phone Recurring Transaction Yes**

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 2019-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
Mr. Cooper is neglectful in communicating within certain departments like insurance and escrow. I was told my insurance on a new house would be paid then told it would not. The neglected cause a cancellation insurance and they are charging me additional monies due to the promise made by different personnel. I ask for financial relief because I was paying rent and mortgage and was not given any relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX. 
Illegal collection Activity through US Mail Repeated collections letters Debt is over 18 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Rory W. Clark, APLC
State: CA

Complaint narrative:
On or about XX/XX/2019, I received a collection letter threatening to sue me. That letter was dated XX/XX/2019. I contacted the collections law firm Farmar Law Group fka Law Offices of Rory W. Clark on or about XX/XX/2019. I spoke with attorney, XXXX XXXX. I negotiated a payment plan and received an e-mail confirming the payment schedule on XX/XX/2019 from XXXX XXXX. My first payment must be received by XX/XX/2019. XXXX XXXX discussed the payment options. I was told that there would be no lawsuit filed against me. On XX/XX/2019 I deposited cash ( {$200.00} ) into the law firm 's checking account. The same day, I received an e-mail from XXXX XXXX confirming receipt of my first payment. Then on XX/XX/2019, I received a third party notice from a court lawsuit monitor that a lawsuit was filed against me from Farmar Law Group. I went to the XXXX XXXX Superior Court website and they did indeed file a lawsuit against me on XX/XX/2019. I have received no response from the attorney XXXX XXXX. On XX/XX/2019, I called Farmar Law Group and initially they said it was an error and that someone would call me back. I called again and the same lady that answered said that the lawsuit was valid. I am attaching my evidence. XXXX XXXX XXXX is not licensed in California to practice law. I checked the California State Bar website and his license is listed as inactive. The bank account for this firm is in his name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
My taxes prove that I am paying {$7800.00} on my property taxes annually at XXXX XXXX XXXX in XXXX, TX XXXX. 

However, myloancare.com is charging me {$890.00} a month in escrow fees which is {$10000.00} a year in property taxes.

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 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a loan or lease — Credit denial
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2018 I went to XXXX XXXX, XXXX, IL to purchase a new vehicle. 
I brought my own XXXX XXXX XXXX XXXX Approval with me to the dealership and told them this is what I wanted to use. 

XXXX XXXX ran Hard Inquiries through all the companies below, which brought my credit score down over 100 points, and remains on my credit report, without notifying me. 

Upon contacting XXXX XXXX Finance department they stated that there was no way that the hard inquiries would stay on my credit report and to just " NOT WORRY ''. 

This dealership has destroyed the credit that I had rebuilt to be able to purchase a new vehicle. I was also planning on purchasing a new home within 6 months of this " ordeal '' and was told by a Mortgage Lender that the hard inquiries had diminished my credit score to a level where I could no longer purchase a home. Just 30 days prior to XX/XX/2018 I was approved for a Mortgage up to {$170000.00}. 


XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX  XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX  Inquiry from XX/XX/2018 Bank Fin Inst Len Inquiry from XX/XX/2018 Finance XXXX XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX I Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX XXXX  Inquiry from XX/XX/2018 Credit Union XXXX  Inquiry from XX/XX/2018 Finance XXXX Auto Dealer Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks

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 2019-05-14 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: RI

Complaint narrative:
I checked my report before going to purchase a car and I noticed these accounts that don't belong to me. 

1. XXXXXXXX XX/XX/XXXX {$430.00} 2. XXXX/ XXXX XX/XX/XXXX {$110.00} 3. XXXX XXXX XX/XX/XXXX {$220.00} 4.XXXX XXXX/ XXXX XX/XX/XXXX {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: RI

Complaint narrative:
I checked my report before going to purchase a car and I noticed these accounts that don't belong to me. 

1. XXXX XX/XX/XXXX {$430.00} 2. XXXX XXXX XX/XX/XXXX {$110.00} 3. XXXX XXXX XX/XX/XXXX {$220.00} 4.XXXX XXXX/ XXXX XX/XX/XXXX {$260.00}

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 explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Finance LLC
State: DE

Complaint narrative:
XX/XX/2019 American Finance submitted wage garnishment to XXXX XXXX ( new employer ) and are continuously still seeking payment even though i am under chapter XXXX bankruptcy. 

Case # : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation