vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: WI

Complaint narrative:
Radius Global Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Failure to provide proof of debt ownership Radius Global Solutions XXXX XXXX XXXX XXXX XXXX XXXX  Failure to provide proof of debt ownership Unable to Validate Debt Fair Debt Collection Practices Act ( FDCPA ) Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that occurred. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of the. 
Tell me when the creditor claims this debt became due and when it became delinquent.

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 2024-03-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I closed a bank statement loan with XXXX XXXX XXXX XXXX to refinance my condominium mortgage. 

Within the closing documents it specifically states escrow monies were collected at closing for taxes and home owners insurance and that future escrow payments would be earmarked for taxes and home owners insurance. 

On XX/XX/XXXX I received notice via hard copy letter in the mail that the servicing of my mortgage was sold to Select Portfolio Servicing ( aka SPS ). 

On XX/XX/XXXX I received an email from my insurance agent that my home owners insurance had lapsed due to non-payment. 

On XX/XX/XXXX I contacted Select Portfolio Servicing to inquire on why my home owners policy was not paid. As it turns out, I was told their internal records state that my escrow is only to pay for flood insurance and not for home owners insurance and taxes. I live on the XXXX XXXX of a condominium building. I do not need flood insurance. The condo building itself has flood insurance and that policy was provided at closing of the loan in XXXX XXXX XXXX. 

Upon further research, my personal property taxes have not been paid yet either, which will be delinquent if payment is not received by XX/XX/XXXX. 

I have asked both XXXX XXXX XXXX XXXX XXXX Select Portfolio Servicing to remedy the situation by paying my property taxes and home owners insurance in full and to cancel the flood policy they have been paying. I didn't even sign to have a flood policy. An internal mistake has been made by either one or both of these companies. 

In the meantime I have had to pay further monies out of pocket to bring my homeowners policy back in force and am wondering what will happen if my property taxes go unpaid by XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: DISCOVER BANK
State: MI

Complaint narrative:
This account isn't mine. I have no knowledge of the account it was opened fraudulently under my identity. It had negatively impacted my credit report and credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Dear Sir or Madam, Re : Report Number : XXXX I need my full file disclosure and I need you to only report information that is 100 % accurate and complete on me. I do not want any incorrect, incomplete, or misleading information on my report. THIS IS MY FINAL REQUEST. 
I submitted a dispute on XXXX and on XXXX I received unfavorable investigation results. 
1. Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Balance : {$XXXX} You claim that the account was updated verified after your dispute yet under the payment history you have ND ( which per my understanding is NO DATA for 12 MONTHS. Why is the data missing? Why is this incomplete? Who verified this? 
Remove this 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 explanation
Consumer complaint received 2024-03-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX SSB || Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: MI

Complaint narrative:
My brother passed away, and there is a balance on his card of {$210.00}. I am his court appointed legal representative. I contacted Netspend beginning on XX/XX/2024, to inquire about getting the remaining balance. I sent the requested documents and received confirmation. I was told it would take 14 days to process. I have waited and continued to contact them thru e-mail and on the phone several times. I resent the documents on XXXX XXXX and I still do not get any response. Meanwhile they continue to take a {$9.00} service charge every month

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a offer from BMO Bank NA. For balance transfers on credit card balances for a 3.99 % for 15 months I currently have a balance on that same credit card thats at a 28.24 % interest rate. Before accepting the terms of the balance transfer I confirmed with the BMO representative that moving forward what ever payments I make on this card will apply to the higher interest rate balance of 28.24 % first until its paid off than apply to the 3.99 % after he said yes thats how its going to be I accepted the offer the balance transfer was for {$3100.00} with a transfer fee of {$120.00} totaling XXXX i sent a payment for {$1000.00} and on my bill it shows it all went towrds the lower balance instead of the higher balance. I have called BMO several times and was told no supervisor wants to take this call and hanged up on.

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 2024-03-26 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: EQUIFAX, INC.
State: OK

Complaint narrative:
This debt is a medical debt where the original debt collector was suppose to bill final billing after insurance paid to my XXXX american XXXX tribe, i have disputed this several times with XXXX equifax XXXX  and none of the agencies has removed this derrogatory info from my credit files and due to the fair credit reporting act it meets the credentials for removal of the derogatory info due to being a medical debt due to XXXX XXXX. Tbe status of the debt has not been updated in 6 years however the amount owed has been updated XX/XX/year>. This is incorrect and derogatory

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have a XXXX month no interest promo on my account for purchases starting XX/XX/year>. I paid all of the charges that occurred before XX/XX/year> on time. Every month since then I have been charged a {$1.00} minimum interest fee and there is still a balance showing that is accruing interest. I spoke with someone in XXXX and they reversed the incorrectly applied interest charges and said that it would not happen again. On the subsequent XXXX statements I have also been charged the minimum interest fee. 

The major issue here is that my payments are not being applied properly and as a result Ally is able to collect additional interest. In my case the interest is not that significant but it should be refunded nevertheless. I am more concerned about how widespread this practice is because it appears that their payment systems are not applying payments according to the law and they are not honoring the terms of the promotion.

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 monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I wrote a letter to TRANSUNION, XXXX and XXXX on XX/XX/2024 to dispute this accounts XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  FINCL Account Number : XXXX XXXX Account Number : XXXX, I stated the inaccuracies appeared on each of this account. I was never late to any of these accounts. I received a letter from TRANSUNION stating that the letter is not from me. I created sent out that letter with my ID 's and some information so how did they verify that it is not from me. They didn't even mark these accounts as being in dispute. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress. I will attached the letters that I sent to them and also the letter that I received from TRANSUNION.

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 2024-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
MOHELA sent notice in XX/XX/XXXX about IDR recertification due by the end of XX/XX/XXXX. My official IDR anniversary was XX/XX/XXXX. I submitted recertification to studentaid.gov on XX/XX/XXXX. 

The Federal Government issued guidance extending the IDR recertification deadline until XX/XX/XXXX : https : //studentaid.govXXXX Knowing this, I did not recertify by the deadline MOHELA issued and it raised my payment 300 % by automatically moving me to a standard repayment plan. MOHELA made no effort to follow federal guidance on adjusting payments back to the previous amount. 

I am pursuing public service loan forgiveness and had to call on XX/XX/XXXX to request a temporary forbearance for one month until my new recertified payment starts. This is an utter failure on their part. PSLF will now be delayed because of this forberance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: LA

Complaint narrative:
I am unfamiliar with this company .... XXXX XXXX. They said I took the loan in 2018. It's a XXXX year time limit here and she said it was a small loan but also said there were XXXX payments of XXXX dollars. That says it's XXXX of the predatory loans not allowed in Louisiana due to the extremely high interest rates. I asked her to mail it to me. She said she emailed to a email address I haven't had access to in many years. She just wanted to argue when I asked what address she had and refused to answer. Yes I talked loudly to her not abusive but she wouldn't quit arguing so I could say anything. I think they have been scammer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Throughout my history with this account, I've consistently ensured payments are made on time, never allowing them to be overdue. I'm uncertain about the basis for the reported late payment remarks on my accounts. According to 15 USC 1666b - Billing Error regulations, these should be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX || Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX  || Date of inquiry : XX/XX/scrub>XXXX XXXX XXXX|| Date of inquiry : XX/XX/year>

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
According to FCRA 605B, we're required to expunge any erroneous accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I asked XXXX XXXX XXXX to update my account status to equifax and submit the correct information but they have not ; the payment status still states 120 past due, making my account look delinquent ; the account was paid in full on XX/XX/2019 ; however, this account on Equifax keeps stating 120 days past due on status. I contacted XXXX XXXX to correct it but they keep stating they sent the letter but I have not received the paid in full letter nor have they update my credit to proper status but continue to change info to incorrect further dropping my credit score

Company response to consumer: Closed with non-monetary relief