vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 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: NY

Complaint narrative:
I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off XXXX XXXX ( Opened XX/XX/2017 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2021-01-11 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: NY

Complaint narrative:
I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off XXXX XXXX ( Opened XX/XX/2017 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2021-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I began to attend XXXX XXXX XXXX XXXX and a loan was opened through a student loan company called XXXX XXXX. I decided to drop out of school because XXXX XXXX XXXX XXXX was a terrible school where students were not taught anything, there were several fights between the students, and students had to learn everything on their own. That school still decided to charge me and my mom separately and we both paid off our debt with XXXX XXXX by XX/XX/XXXX. Until this day, that loan shows up on my credit score as " paid off ''. Since I did not complete the program, I was left with a loan amount of {$1700.00}. That was the agreement between the school and I so I paid it off late, but I eventually paid the amount that was agreed upon. Since then, I have received letters from different collection companies trying to charge me crazy amounts of money that I never agreed to pay. I have been able to report them and they have been removed from my credit because it turns out they are scammers. Today, however, I received a letter in the mail from a company called " Convergent '' charging me {$9400.00} from the Original Creditor : XXXX XXXX XXXX XXXX I have never heard of this company before, I called and they didn't answer, and the first letter I received was a " Reduced Balance Opportunity '' letter when I have proof that I have paid my loan with XXXX, and I have also never heard from that company before. My agreement was with XXXX, and XXXX XXXX. After receiving this letter, I am convinced that XXXX XXXX XXXX XXXX was a school involved in fraud, and they are the ones who gave or are giving my information to other companies. There was never an agreement for {$9400.00}. I am filing this complaint because I need help and I hope that XXXX doesn't try to to this to other students who once paid off their loans. I hope I can do something about this and that I can stop receiving letters from different companies who are clearly scammers.

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 2021-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
A cease and desist letter was sent to Portfolio Recovery Associates in XX/XX/XXXX. The letter was received via certified on XX/XX/XXXX. I asked them to stop calling using any and all numbers listed in their system on the alleged debts. 
Since the date of the letter, they have called my cellphone at least 18 times. Since the date of the letter. They have called my parents on a landline multiple times with recent contact XX/XX/XXXX. They have called after XXXX on XX/XX/XXXX disrupting my sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: CA

Complaint narrative:
This complaint is only for Experian credit bureau. XXXX and XXXX have continued to report accurately. In XXXX Experian stopped updating payment information for my XXXX XXXX personal loan. I opened a dispute on XX/XX/XXXX notifying them that although I was on payment assistance due to losing my job during the pandemic I was still making payments and they weren't being reported. They investigated and updated my payment information/history however they permanently removed and the " original loan balance which changed my " percentage of loan paid off '' to " XXXX '', decreased my XXXXredit score by 24 points, and made the loan appear as though it wasn't being paid off and there was no progress. I submitted 4 more disputes and uploaded images/supporting documents showing my credit report the day before they updated my report and the day after with the only change being the original loan balance removed/missing dispute dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The original loan balance is {$18000.00}. By XX/XX/XXXX my loan was 45 % paid off and reporting as such on XXXX  and XXXX however Experian although reporting the correct balance still showed 0 % paid off. I called the dispute department who told me that I needed to subscribe to their premium service so that they could access my report and help me further, so I did. They then told me that they could only give me possible reasons why my score dropped ( again only on Experian ) and couldn't help me further. XX/XX/XXXX my Experian credit report was updated and my score decreased by another 25 points with the only change being 1 payment made in the amount of {$35.00} to a credit card bringing the balance to {$0.00}. NO other changes. I've opened a 5th dispute today and after speaking with another Experian dispute specialist was told that they couldn't help me and that I needed to speak with a credit repair analyst to get more specific information. Just to be clear, I've disputed this information with XXXX XXXX directly who replied stating that they are reporting all information to Experian. In addition, my XXXX and XXXX credit scores are 50+ points higher reporting the same accounts and same information other than this " original loan balance '' that Experian refuses to include/update/re-enter.

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 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX, XX/XX/XXXX ;XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XX/XX/XXXX ; XXXXCR/OFF XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXX, XX/XX/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 2021-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH

Complaint narrative:
Today XX/XX/21, I received a letter from RBC stating I had an outstanding debt for {$77.00} from the original creditor XXXX XXXX XXXX. They stated I had 30 days to send written notification to validate this so called debt. I immediately called XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, OH XXXX to inquire if had an outstanding balance. The lady I spoke with informed me that I did have an outstanding medical bill for the total amount of {$57.00}, I paid her over the phone, confirmation number : XXXX. RBC states in this letter I owed more than the original creditors balance. They was trying to pocket {$20.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I am writing to advise a violation of the fair consumer credit act. The Sunrise Credit Service is not the original creditor and has unlawfully reported this debt on my credit report. I made contact with this agency in XXXX or XX/XX/2020 and advised of them violating the fair consumer credit act.. The agency removed the debt from my credit report ( s ) -XXXX  and XXXX  XXXX However, they have reported this debt again to a different credit bureau ( XXXX  ) on XX/XX/2020 without proper notification. I was not notified in writing from this agency that they would be reporting this again. This is malicious and driving my credit score down intentionally by this agency. Please investigate this and have them remove it from my credit report again. Your assistance is greatly appreciated. 

SUNRISE CREDIT SERVICE Original creditor : XXXX XXXX {$440.00} Balance updated XX/XX/2020 Account Info Account number XXXX Collection opened XX/XX/2020 Account type Collection Department XXXX Agency / Attorney Paid off : 0 % Balance on XX/XX/2020 Loan Amount {$440.00} {$440.00} Your statements

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 2021-01-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am trying to take out a mortgage on my house. I have a HELOC from TD that needs to be subordinated in order to close the mortgage. It had taken TD many many weeks to review the documents and to respond. It also seems like it has taken TD weeks just to retrieve documents that were faxed. This delay has caused my rate lock to expire and a need to refresh certain docs for my mortgage. TD is either non-responsive or takes weeks to respond. 
See attached as an example. 
The subordination application was submitted on or before XXXX XXXX, XXXX. 
I reached out on XX/XX/XXXX for an update. 
I didn't receive a response until XXXX just saying things are delayed. 
I didn't receive a real response until XX/XX/XXXX. 
We have sent in all of the requested information by the end of XXXX and have not heard anything back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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:
Ive contacted all 3 credit bureaus ( XX/XX/XXXX, XXXX, Equifax ) roughly 3 weeks ago in writing. I have not received a response. My identity has been compromised. Compromised so much that I cant even get reports online from certain sites like XX/XX/XXXX. Im being asked security questions that has nothing to do with me or my credit, so when I select the answer thats best, its considered wrong. This is not right. I cant get anything done, and the last thing I need is for my situation to be minimized. To my knowledge you guys can help me with my situation. I need your assistance with getting a response to my situation. 

My wish for resolution would be these items being removed from my credit reports that does NOT belong to me, Im also requesting fresh credit report with corrections for my records. Thanks. 

THE FOLLOWING ACCOUNTS SHOULD BE REMOVED : 1. XXXX XXXX XX/XX/XXXX Balance {$2500.00} 2. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$430.00} 3. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1100.00} 4. XXXX XXXX  Opened XX/XX/XXXX Balance {$880.00} 5. XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Balance {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I've already spoken with several superiors in the company, and while they may be returning much of the money lost I believe that this company is overall as sketchy as they come. Loan Depot, specifically the branch located in XXXX, FL, was the lender my husband and I went with for trying to find a mortgage for our first home. We initially were working with XXXX XXXX, but he soon provided us with a new loan associate in XXXX XXXX. My husband and I were both at what are referred to as seasonal jobs in the area, but were working on to moving into stable income. XXXX promised this wouldn't be an issue. I told XXXX my student loans for next semester needed to be processed by a certain date and she promised we would be closed in time for them to process after closing, and we didn't and now I may not be able to finish my XXXX XXXX XXXX until the fall. XXXX had specifically told us not to open ANY lines if credit so when my husband and I ( who both lack insurance ) both got injured, I broke my foot and he dislocated his knee, we refused to go to the hospital in return causing further injuries in the name of being able to get this house. Finally, after multiple extensions, our final walk through, numerous injuries, and several last minute tasks closing day was upon us. We were denied after the empty promises of XXXX and everyone we inevitably worked with due to the amount of vacations everyone kept going on. We have sustained physical, emotional, and financial damage all because we put our trust into an accredited lendor, only to find out when reaching out to the Vice President of the company that they weren't even accepting applications for people in the service industry due to COVID-19. They were full of promises they couldn't back, and no one should have to experience the pain and deceit that my husband and I have gone through with the company. They have offered to return money lost on the house, but I will still lose out on this semester and graduation and my husband and I have both harmed ourselves further by not receiving treatment for injuries out of the advice given to us by our loan consultant. Absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/XXXX a XXXX web transfer of {$70000.00} from USbank checking account xxx # XXXX to a XXXX savings account XXXX was initiated. On the same day, I received a XXXX email indicating that XXXX received the transfer request and I should expect to see funds in destination account within 3 business days. Also on the XXXX, I received another XXXX email confirming the transfer-with a delivery date of XX/XX/XXXX. 
On XX/XX/XXXX I checked my USbank checking account and {$70000.00} was debited from my account. 
On XX/XX/XXXX I received a XXXX email indicating that the funds could not be deposited into XXXX XXXX account XXXX. They also indicated that If the funds were held by another financial institution to contact them to have the funds deposited back into my account. 
Now the fun part. Between XX/XX/XXXX and XX/XX/XXXX I have contacted USbank 5 times and XXXX 6 times trying to get the funds either deposited into my XXXX savings account or returned to my USbank checking account. In each case I talked to many different departments and management but always end up with the same result each institution stating it is the other banks responsibility to retrieve these funds. 
XXXX could not provide me with an answer on why the transfer was not completed and because they use XXXX, a third party financial institution, for the transaction they cant request the funds to be returned. 
Usbank on XX/XX/XXXX opened a dispute claim to investigate the issue. On XX/XX/XXXX I received indicating they could not find an error in the processing of the originator instructions and considered the investigation closed. 
In summary on XX/XX/XXXX a XXXX web inter-financial transfer was initiated which resulted in a deduction of {$70000.00} from my USbank account but funds were never deposited in my XXXX account. Numerous attempts of contacting both instructions over a 5 week span resulted in each bank indicating that the other institution was responsible. 
If needed I can provide copies of all bank emails, account numbers and specific dates with details of my attempts of contacting both banks to resolve this issue. 
Thanks in advance for your help

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 2021-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliance Group & Associates LLC
State: MI

Complaint narrative:
on today XX/XX/2021 i received a call from a unknown caller who was a man who called and said he is with alliance group and addressed me by my first name and read off the last 4 of my social and he asked me to confirm my last four of my social security. I was less reluctant due to possible scam and was trying to explain to him that I didn't know him and he proceeded to tell me he didn't know me either is why he needed to confirm my last four of my social. Then why would you read my last four if you are needing confirmation that it was me?? anyone could have answer and you gave out my last four of my social. I reiterated I didn't feel comfortable and he proceeded to speak over me and I asked him not to talk over me. his tone escalated and he continued to talk over me and disconnected the call he gave me no other options for me to feel comfortable in confirming my identity. I called back the number that called me and a young lady answered I expressed my concerns to her and asked that the man I was speaking with not be a point of contact and asked to speak with a manager to address his behavior. I spoke to the manager who carried his call the same way and said the way the young man responded to me was the way they do business XXXX the manager at alliance group failed to address my concern and began to talk over me as well after i explained to him i work with people on a daily as a profession and it is not how you handle clients. I asked for a manager over him and his rebuttal was it was none of my business when i asked to speak with someone higher then him. he was only willing to give me the business name.

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 2021-01-11 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: TN

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX, Inqury Date : XXXX XXXX, XXXX ; XXXX  XXXX XXXX XXXX, Inqury Date : XXXX XXXX, XXXX ; XXXX XXXX XXXX, Inqury Date : XXXX 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