vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Please reference CFPB submission # XXXX for reference. As Freedom Mortgage provided CFPB false information to force closure of the complaint. Prior report will be included. 
When CFPB previously communicated in reference to my demand for Successor in Interest status, they falsely stated the mortgage was both unrecognized and that no 3rd party authorization was in place. None of which are truthful. Freedom Mortgage did finally confirm Successor in Interest to myself, XXXX XXXX XXXX, however in name only. 
Today I received mixed contradictory information in the form of two letters, both dated XX/XX/XXXX. One to my deceased spouse and one to myself. Deceased communication stated he ( the deceased of 1.5 yrs ) must have a confirmed Successor in Interest and an Assumption of the mortgage is required for a loss mitigation workout. In direct violation of federal law. The second, addressed to me, was an acknowledgement of Successor in Interest status. However, it essentially stated the status only bestowed the title and allowed me to receive notices and communication but does not include the federally defined Successor in Interest rights. 
They purposely state that they maintain the right to foreclose, clearly included to intimidate me into assuming the mortgage. They are refusing to recognize my clear right to act as a federally defined " borrower '' for all purposes needed or that may arise. Demanding I assume the mortgage before allowing any loss mitigation, hardship or similar. 
They have had my house insurance claim funds and are holding them illegally ( over $ XXXX ). My husband has been deceased for over a year and a half. Freedom Mortgage has caused significant undue hardship for my household. Their actions have caused financial harm and have resulted in breached contracts to vendors retained to replace my roof. This has resulted in XXXX XXXX as the reimbursement funds are needed for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, due to Freedom Mortgage withholding mine and my daughter 's funds ( daughter XXXX is 50 % deed holder also ). 
I live in Florida and this significant delay and hardship may very well result in my home being uninhabitable, as a severe tropical storm is hitting me as I write this, and I have a roof with 60 % damage that will likely cause much more extensive damage then it currently has. 
Freedom Mortgage was served first notice of my husband 's passing XX/XX/XXXX. It took them FIVE HUNDRED and TWENTY-SEVEN days to confirm my Successor in Interest status. That is an unconscionable amount of time. They have further been in receipt of all house insurance claim information needed since XXXX of 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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have mailed a dispute to the credit bureaus 45 days ago and have not received a response. Not a letter nor an email in regards to my dispute. I am a victim of identity theft. I have provided my FTC reports. According to FCRA, within 30 days after receiving my dispute the credit bureau is responsible to resolve the dispute. They are now in violation of the FCRA for not responding in a reasonable timeframe.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have mailed a dispute to the credit bureaus 45 days ago and have not received a response. Not a letter nor an email in regards to my dispute. I am a victim of identity theft. I have provided my FTC reports. According to FCRA, within 30 days after receiving my dispute the credit bureau is responsible to resolve the dispute. They are now in violation of the FCRA for not responding in a reasonable timeframe.

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 2024-01-09 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
After analyzing my payments with my accountant, we both noticed unusual Principal/Interest/Escrow payment applications. My mortgage is a Conventional Loan with a 4.25 % interest rate. My balance {$310000.00} and only {$370.00} ( approximately ) is going to principal, and {$1000.00} is going to interest. When I called to ask about this payment application, the SPS representative claimed that my loan modification with a former lender in XXXX changed the amortization schedule and they were applying funds according to this new schedule. Furthermore, SPS informed me that I somewhere, somehow was - {$7000.00} in my escrow account with negligible increases in Homeowners Insurance and Taxes. 

They increased my mortgage payment from {$2100.00} to {$2700.00}. They stated that they " no longer '' spread out escrow shortages over 24 months, and shortened this repayment period to 12 months thus my significant increase in my mortgage. Strangely, after living in my home for 26 years, I have never paid more for my mortgage, yet I have never seen less go towards my principal. And most importantly in the year XXXX I paid a total of {$32000.00} ( that is {$2700.00} a month! ) to my mortgage company and less than {$5000.00} went to my principal ... over {$10000.00} went to my Escrow, and they are still claiming a shortage. My taxes and interest are XXXX XXXX. This is a signficant change in my mortgage payment and the increases are unreasonable. Most importantly the way the are applying my payments is deceptive and a breach of contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I, XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
NewRez has deposited my 3 checks, but has only given me credit for one of them. I have made all of my payments ON TIME and IN FULL. 

Background : There was a change in my loan servicing company earlier this year, and I sent the payments that were due for XXXX, XXXX, and XX/XX/2023 to NewRez, but accidentally used a closed account number. 

All three checks did however have the address of the property ( XXXX XXXX XXXX, XXXX, CA XXXX ) in the memo field, as well as my name and address. 

My bank statements show all 3 payments were made on time and in full and the checks have been cashed. However, these have NOT been credited to my loan XXXX. 


1. Check XXXX, {$1200.00}, dated XX/XX/2023, deposited by NewRez on XX/XX/2023 2. Check XXXX, {$1200.00}, dated XX/XX/2023, deposited by NewRez on XX/XX/2023 XXXX. Check XXXX, {$1200.00}, dated XX/XX/2023, deposited by NewRez on XX/XX/2023 I discovered the problem when I logged into my online loan portal and realized that they had not been applied to my loan. 

On XX/XX/2023, I went online and started a chat session. I explained the situation and asked for a resolution. I was assured they would fix it. But 7 days later, I received a debt collection phone call ( XXXX ). That caller gave me an email where I could send copies of my bank statements. 

On XXXX, that same day, I emailed to NewRez/Shellpoint copies of three months of bank statements as evidence of the amounts and dates. As of today, I have a very good credit score and I didnt want them to damage it. They did not respond. I continued to get U.S. mail from them claiming I had not paid. 

On XXXX I emailed copies of the front and back of the three checks to the same NewRez email, and got no email confirmation. I continued getting mail saying I hadnt paid. 

On XXXX, I got a secure letter from NewRez, via email, saying they had found one of the payments but had not found the other two. 

On or about XXXX, I received an incorrect 1098 for my loan. The balance and the interest were wrong. My address was also wrong, even though I had updated my address in late XX/XX/2023. I emailed the 1098 back to them on XXXX and indicated the errors, but got no answer. 

They deposited my checks on XX/XX/2023, XX/XX/2023 and XX/XX/2023, but have only credited one of those to my account ( Loan XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Upon checking my credit report, I had a massive amount of unknown inquiries that I had no knowledge of. Once I found out about this I then put a lock on my social security number and started to reach out to some of these companies. I then realized that it would be a lengthy process because they gave me the run around. These inquiries are hurting my score as well as impeding my progress to furthering my family and myself financially. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cascade CISS Holdings, LLC
State: MS

Complaint narrative:
Upon checking my credit report, I had a massive amount of unknown inquiries that I had no knowledge of. Once I found out about this I then put a lock on my social security number and started to reach out to some of these companies. I then realized that it would be a lengthy process because they gave me the run around. These inquiries are hurting my score as well as impeding my progress to furthering my family and myself financially. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management is trying to collect a debt for XXXX XXXX XXXX however I have never and currently do not own this account. I had no no inclination of this account until it appeared as a collection on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I SUBMITTED A DISPUTE TO EXPERIAN REGARDING UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT. THE COMPANY DID NOT DO A PROPER INVESTIGATION INTO MY DISPUTE AND I WOULD LIKE THE CFPB TO ENSURE AN ACCURATE AND FAIR INVESTIGATION IS COMPLETED INTO THE PERMISSIBLE PURPOSE OF THESE INQUIRIES. As per the Fair Credit Reporting Act ( FCRA ), only inquiries made with a permissible purpose are legally acceptable. Unauthorized inquiries not only violate my privacy but can also adversely affect my credit score. I kindly request that you initiate an immediate investigation into these unauthorized inquiries and proceed with their deletion from my credit report. This action is crucial to maintaining the accuracy and fairness of the information reported by your agency, as mandated by Section 604 of the FCRA. Please provide a written confirmation once the unauthorized inquiries have been successfully removed from my credit report. Additionally, I request an updated copy of my credit report reflecting the corrections made.

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 2024-01-09 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
I trust this letter finds you well. I am writing to address a matter of utmost concern regarding unauthorized hard inquiries on my Equifax credit report, which have come to my attention after a comprehensive review of my credit file. 

The following unauthorized hard inquiries were identified : XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX MORTGAGE SER - XX/XX/XXXX EQUIFAX MORTGAGE SER - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my Drivers History report, under the Fair Credit Reporting Act. I am requesting a copy of my Drivers History report sent to me via mail.

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 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2023 there was a letter sent via Certified mail and Accepted by Bank of America. The letter clearly stated that there was a revocation of security interest on deposit accounts that I have with Bank of America. On XX/XX/2023 Bank of America Unlawfully took funds in the amount of {$6400.00} from My business ( XXXX XXXX XXXX ) Deposit account despite acknowledging their security interest on all deposit accounts was revoked. This unlawful practice is unacceptable and needs to be corrected as soon as possible. My Promissory note for the credit cards issued by Bank of America is a security and Bank of America is committing securities fraud by not registering them with the SEC. 

Also, as the investor, I am deeply concerned about the failure to honor my monthly redemptions from the debt securities issued. Additionally, the closure of my cards, which I do not agree with, compounds my dissatisfaction. 

Your unlawful acts will be addressed with the SEC and a complaint will be filed along with an investigation to be initiated. 
Return the {$6400.00} to my account right away and do not ever take it upon yourself to take funds out of my account unlawfully again. Your security interest was revoked!

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 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I did have a XXXX XXXX XXXX  Account which I pretty much abandoned due to personal problems. However at the time my credit limit was only {$5000.00} and my balance was somewhere around {$3000.00}. I am disputing the amount of {$13000.00} that is showing on your account because that is not the amount of my debt. 

I mailed a letter around the end of XXXX. I tried to online chat about the same time and then I called them to file a dispute but I have not heard anything from them since. 

They bought this debt from XXXX and they placed the collections on my credit report but they are not trying to pursue the correct amount.

Company response to consumer: Closed with non-monetary relief