vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XX/XX/year>, my insurance company, XXXX XXXX notified me that it was not renewing my insurance policy and many others because of a decision from the state insurance commissioner that it viewed as unfavorable and critical for it to continue doing business in the state. 

I purchased a policy from XXXX that became effective XX/XX/year>, the date my old policy expired. The new policy has a face amount of {$XXXX} and a {$XXXX} deductible, Both amounts are the same as my policy with XXXX XXXX Recently, I received a letter from XXXX stating that it was planning to purchase forced place insurance on my property because the deductible exceeds XXXX  % of the face amount of the policy. Even ignoring the fact that the policy has the same face amount and deductible as my last policy, the letter still doesn't make sense because the deductible is less than XXXX  % of the face amount. 

I stromgly encourage CFPB to open a comprehensive investigation of XXXX 's processes for forced placed insurance. This is the second issue related to forced placed insurance I've enocuntered with XXXX in the past year. I think they deliberately higher poorly educated employees and provide them with minimal training. I believe their goal is to maximize revenue from forced placed insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following addresses are incorrect and from identity theft they need to be removed from my credit report : 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 2024-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance CAS, LLC
State: GA

Complaint narrative:
Alliance CAS has violated FDCPA as outlined in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements. Furthermore, 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 2024-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
My ex wife XXXX XXXX XXXX starting roughly in XXXX XXXX opened multiple accounts using my identity one was closed already with XXXX XXXX  and another was closed with XXXX XXXX XXXX shortly after I found out she and her husband both ( XXXX XXXX XXXX opened multiple credit cards and a retail shopping card in my name and had 16 hard inquiries put on my credit Ive done all I could to get them arrested for identity theft but heard nothing back. Now it seems I have three accounts still on my credit in collection from them and its totally ruined my life my integrity and dignity being Im on XXXX and live on fixed income I was injured from the work type i preformed all my life my credit was in route to becoming decent so Ive had two removed and need help dearly please with a XXXX XXXXXXXX account and a XXXX XXXX account and another called XXXX XXXX all totaling roughly XXXX thank you very much god bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
On XX/XX/year>, my income and property was overcome by the XXXX lava flow I had to relocate to XXXX with no income no property and I am still recovering from this disaster. Im now XXXX and am asking to please relieve that debt. XXXX has helped in a small amount and I appreciate it but I do not have the means to pay it back to fix my credit. Thank you in advance For your consideration on this matter XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
FRAUD & DISCRIMINATION. DECEPTIVE BUSINESS PRACTICES. 
THE BANKS CORPORATE GREED is beyond belief. FEDERAL DISTRICT COURT to Hold the BANK 's Trustee & CFO and entire C-SUITE responsible. 
XXXX Meaning of fraud or dishonesty. The term fraud or dishonesty shall be deemed to encompass all those risks of loss that might arise through dishonest or fraudulent acts in handling of funds as delineated in XXXX XXXX XXXX next steps Legal Recourse. Equity Remedy.

1099 C- IRS FORM CANCELLATION OF DEBT and REMITTANCE of ALL PAYMENTS INTEREST AND monies earned sent to XXXX XXXX XXXX XXXXXXXX XXXX XXXX CHECK made payable to XXXX XXXX - DISCLOSURE of Monies made and earned with CREDIT DEPOSIT. DOUBLE BOOK ENTRY with the BANK.

1099-A Filed Acquisition Abandonment of monies. Claimed without my knowing will be deemed fraud. Legal Action will be Taken. Notification sent in writing and to CPA. 

FRAUD is a violation of FEDERAL LAW. THE TITLE was not transferred at closing. The security note, and interest is being traded and the bank is profiting from the note and interest. The bank is leaving me no choice then to take legal recourse via Federal District Court. It is unacceptable practices. ALL SECURITIES LAW violations going to pursue criminal charges and want all monies paid. XXXX XXXX refuses to cooperate. Has already been paid and is collecting twice. The corporate greed is excessive. Statutes and Regulations SEC.gov https : //www.sec.gov rules-regulations statutes-regula... 
XX/XX/XXXX Statutes and Regulations Securities Act of 1933 Securities Exchange Act of 1934 Trust Indenture Act of 1939 Investment Company Act of 1940. 
Violations of UCC Laws : The Uniform Commercial Code ( UCC ) is a collection of laws that govern commercial transactions in the United States. It's a state law that's been adopted by every state and the District of Columbia, but it's not a federal law. The UCC 's purpose is to provide a consistent framework for doing business across state lines. 
18 U.S. Code Chapter 47 - FRAUD AND FALSE STATEMENTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX... Title 18 PART I 18 U.S. Code Chapter 47 - FRAUD AND FALSE STATEMENTS 1001. Statements or entries generally 1002. Possession of false papers to defraud United States...

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 2024-09-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On date -the date of XXXX representative XXXX XXXX XXXX XXXX received a subpoena from the XXXX XXXX XXXX XXXX that Schools First Federal Credit Union later refused to comply with. Some time later on the date of XXXX at the same XXXX XXXX XXXX XXXX XXXX XXXX Lied repeatedly and told myself to my face that the XXXX XXXX XXXX account ( s ) and the account ( s ) of the XXXX XXXX XXXX are empty as they contain no money whatsoever and then he refused my request to provide documentation to prove his statement. I know this is a lie and untrue as I know for a fact that the account receives payments from multiple annuities every month. XXXX XXXX XXXX then received from myself the XXXX XXXX XXXX document, and he then scanned the document and wired it to a XXXX XXXX over at the XXXX XXXX XXXX Schools First Federal Credit Union. XXXX XXXX XXXX went on to say that XXXX XXXX XXXX owes the credit union {$3400.00} and that his wife XXXX XXXX XXXX XXXX owes this same credit union {$6400.00}. XXXX XXXX XXXX  went on to tell myself that if this money was paid to the credit union that I may assume control of these accounts. I then requested at that time a full accounting to be printed out of the status of these accounts from the year 2020 to present and I was refused the same by XXXX XXXX XXXX, of the Schools First Federal Credit union in the XXXX XXXX XXXX XXXX, California. USA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: GA

Complaint narrative:
To Whom It May Concern : This letter is a formal Complaint under FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ), 15 USC Sec.

1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. Sec 1681s-2, that the Credit Reporting Agency could be reporting Unauthorized and Fraudulent Credit Inquiries by these Original Creditors on my credit report and is a violation of the Fair Credit Reporting Act Section 604 ( a ) ,604 ( b ), 604 ( c ), 609, and 623 ( a ) ( 6 ) ( 8 ) and Fair Credit Billing Act, and Title 15 U.S.C. section 1681b ( a ), 1681b ( b ), 1681b ( c ), All data on My Credit Report must be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY, or By Law can not be on My Credit Report. PERIOD, per Sec 623 ( b ) ( 1 ) ( E ).

I recently reviewed my credit report and found unauthorized inquiries.

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.

Inquiries are not a matter of record when I never gave these companies access to My credit file!!

According to Section 604 of Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( F ) otherwise has a legitimate business need for the information i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting shall- ( i ) promptly delete.

The following inquiries are unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 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: GA

Complaint narrative:
To Whom It May Concern : This letter is a formal Complaint under FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ), 15 USC Sec.

1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. Sec 1681s-2, that the Credit Reporting Agency could be reporting Unauthorized and Fraudulent Credit Inquiries by these Original Creditors on my credit report and is a violation of the Fair Credit Reporting Act Section 604 ( a ) ,604 ( b ), 604 ( c ), 609, and 623 ( a ) ( 6 ) ( 8 ) and Fair Credit Billing Act, and Title 15 U.S.C. section 1681b ( a ), 1681b ( b ), 1681b ( c ), All data on My Credit Report must be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY, or By Law can not be on My Credit Report. PERIOD, per Sec 623 ( b ) ( 1 ) ( E ).

I recently reviewed my credit report and found unauthorized inquiries.

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.

Inquiries are not a matter of record when I never gave these companies access to My credit file!!

According to Section 604 of Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( F ) otherwise has a legitimate business need for the information i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting shall- ( i ) promptly delete.

The following inquiries are unauthorized.

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 2024-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Regarding TransUnion 's Reporting Practices Dear CFPB, I am writing to formally dispute the accuracy of information reported by TransUnion regarding my credit history. According to TransUnion, they claim to update information on a daily basis. However, I do not believe this is true in my case. 

I spoke with XXXX Saturday XXXX regarding an account that I paid off with there company on XX/XX/year>. They have confirmed they sent the updated account information to TransUnion ; however, I have not seen any updates reflected in my credit report. 

This lack of timely and accurate reporting is concerning and affects my creditworthiness. I would appreciate your assistance in investigating this matter further and ensuring that credit reporting agencies adhere to fair practices. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely CFPB If you have any other questions or need further assistance, let me know I see having proper documentation doesn't do any good. Also TransUnion is always behind by 30 days

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 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
# Follow-up Complaint to Consumer Financial Protection Bureau XXXX CFPB ) # # Re : Bank of America - Delayed Payment Processing and Continued Credit Damage Date : XX/XX/year> Dear CFPB, I am writing to file an urgent follow-up complaint against Bank of America ( BOA XXXX regarding a recent incident of delayed payment processing, which has further damaged my credit score. This complaint is in addition to my previous grievances about BOA 's ongoing financial misconduct and obstruction. 

XXXX XXXX XXXX New Incident : 1. Payment Attempt : On XX/XX/XXXX, one day before the due date, I made a payment on my BOA credit card account via phone, as online access remains restricted. 
2. Delayed Processing : Despite making the payment before the due date, BOA did not process the payment until XX/XX/XXXX. The representative told me the payment was processed, which turned out not to be true, resulting in negative affect on my XXXXredit score.

3. Late Payment Status : As a result of this delay, my account was marked as having a late payment, further damaging my credit score. XXXX XXXX XXXX Specific Concerns : 1. Intentional Delay : Given the pattern of obstruction I've experienced, I believe this delay in processing may have been intentional, designed to force my account into late status. 
2. Lack of Transparency : At no point during the payment process was I informed that the payment would not be processed immediately or that it might result in a late payment status.

3. Continued Credit Damage : This late payment mark adds to the ongoing damage to my credit score, which I detailed in my previous complaint.

4. Compounding Issues : This incident compounds the problems I've been facing with BOA, including restricted account access and potential retaliatory actions. 

XXXX XXXX XXXX  Additional Context : - This incident occurred despite my diligent efforts to make the payment on time, navigating the obstacles BOA has placed in my way. 
- The continued pattern of issues suggests a systematic effort to hinder my ability to manage my account and maintain my credit standing. 

This incident further demonstrates the urgent need for intervention. The combined effect of BOA 's actions continues to jeopardize my financial stability and future prospects, including my ability to secure housing. 

I am prepared to provide any additional information or documentation necessary to support this complaint. I urgently seek your immediate intervention to address these compounding issues with Bank of America. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have been recently released from Incarceration and notice this unknown account on my credit report I have never applied for any type of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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  :, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief