vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: MD

Complaint narrative:
To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : DEPT OF EDUCATIONXXXX - XXXX - There is not a single late remark on this account. Please update this to positive. This is unfair and unlawful. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX  By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: OK

Complaint narrative:
I had Medicare XXXX plan. I went to XXXX XXXX XXXX XXXX on XX/XX/XXXX. My copay should have been around {$90.00}. The Hospital failed to correctly file the insurance claim with XXXX XXXX XXXX XXXX Medicare XXXX plan. I have been to Hospital and outpatient services for more than a year and was not notified. I woke up to a XXXX point plunge of my credit for an incorrect debt of more than {$1000.00} - by XXXX XXXX under the Wakefield and Associates collection agency. I immediately contacted Wakefield and credit agency to dispute. I emailed pictures of insurance cards 10 days ago. Medicare is automatically taken out of XXXX payments. The hospital 's failure to properly code the claim is their responsibility and beyond my control. Additionally, the debt reported increased within the same week. I'm insured. I've been insured under Medicare XXXX plans since XXXX. Now, my credit is damaged when I need it most. Wakefield has refused to remove from my credit. I'm damaged every day this is on my credit. Further, it's causing incredible mental distress as I'm already disabled due to severe mental illness. I provided proof of insurance at the time of service. I had no derogatory entries on my credit. Not one single late payment. I'm on a fixed SSDI income since XXXX. This is destroying my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: NY

Complaint narrative:
I filed a dispute for incorrect information on mycredit report. I received an email from the creditbureau stating that they are assuming thedisputes are coming from a 3rd party. They in factdid not come from a 3rd party. l even called themto verify it was me and they still refused toprocess my disputes. I wasted money on mailingmy disputes out. I sent personal information toverify my identity through mail, just for them to notthoroughly investigate.

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 2024-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I received Escrow Shortage notice XX/XX/XXXX {$1100.00} to my home. Pay extra {$77.00} will be collected over XXXX  months. SPS Mortgage claim I should have received another Escrow Shortage notice XX/XX/XXXX not received to my home. Pay {$5500.00} or {$610.00} extra per month. I received Mortgage XXXX XX/XX/XXXX With {$2200.00} due in less than XXXX weeks. I asked what happened, why didn't SPS Mortgaging notify me of Escrow Shortage like all the other time? All they could say was " could you have paid it? '' I stated I would have tried given the opportunity. I had XXXX weeks to come with {$5500.00} or pay extra per month. both put a strain on my budget. I applied for Modification. After XXXX ( XXXX ) months on trial modification plan XX/XX/XXXX pd {$1600.00}, XX/XX/XXXX pd {$1600.00}, XX/XX/XXXX pd {$1600.00}. Now modification approved. haven't heard for SPS Mortgage then I called, all they could say, SPS Mortgage is working on modification. So I knew I had to pay something for XX/XX/XXXX. I paid XXXX and for extra toward escrow shortage. I finally received Contract dated XX/XX/XXXX. Arrived late evening end of XXXX overnight express rushing me to sign and get notarized fast. Contract stated {$1800.00} plus XXXX ( XXXX ) years added to end of loan. Could not afford. My Mortgage payment {$1600.00}. How is modification helping me? I paid Escrow Shortage after borrowing from everyone. I was to worried about loosing my home. After speaking with SPS Mortgage I found out I over paid my Escrow. So I turned down modification and asked SPS Mortgage to put my Mortgage back like it was. This must have upset them. SPS Mortgage starting reporting me paying late and charging late fees. Threatening risk of foreclosure. I asked why? SPS Mortgage stated I missed a payment in XX/XX/XXXX. I mailed detailed bank statement to them. then they stated I missed XX/XX/XXXX payment. I stated I did not miss any payment at all. someone must have applied payments incorrectly. I requested and investigation of my account in writing. waiting outcome. In the mean time I'm still being charged late fees. I pay my Mortgage early or on time always .SPS Mortgage knows I lost almost every thing in flood XX/XX/XXXX disaster. I think Mortgage company is trying to force me out my home and retaliating against me for not agreeing to Modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
On XX/XX/year> I initiated a call to Newrez Escrow about my unusual high escrow payment. I was told by the representative that they would do an escrow analysis. After waiting a month to hear from them, I called again on XX/XX/XXXX after receiving my yearly escrow report which RAISED the amount even more ( now over XXXX pet month ) for XXXX in escrow. Now the representative on the XX/XX/XXXX call said the XXXX request was never put in, but she would request one on XXXX XXXX. Now here we are on XX/XX/XXXX with NO ESCROW ANALYSIS!

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 2024-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-06 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/year> I went to XXXX to see if I can get a used car, they sent my iformation to 6 companies without my consent, one of them was capital one who states that I have opened a new account with them and I never consented to opening a spending account, i have reached out to this company and they said i have to speak to the credit bureau. XXXX XXXXXXXX never asked me or advised me that they will send my information to other companies which now they all have done hard inquiries to my credit and it has droped significally

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: OK

Complaint narrative:
Got a call XXXX in the afternoon on my cell phone. XXXX Mortgage representative told me that there had been a mistake made on their end doing the tax analysis. First off, XXXX mortgage bought the loan from my prior mortgage company. Prior mortgage company charged appropriate taxes in escrow and there were zero issues. XXXX purchased the mortgage and apparently did not notice the mistake made until XXXX? 

They told me I owed roughly XXXX in taxes and starting in XX/XX/2024 my mortgage payment doubles to make up their mistake. I told the representative that I do not have XXXX nor the finances to cover in increase in double the mortgage payment. At what point is the mortgage company liable for their mistakes made. Also, who else have they done this to and how can an average homeowner afford to make double the payment? 

First step was to file this complaint. Second, was probably reaching out to an attorney to help with this matter as I assume Roundpoint will not make this right especially after looking at class action lawsuit against them and their horrible reviews. 

Roundpoint Mortgage was negligent in conducting a proper tax analysis when taking over my loan and confirmed that was not even done when they took over my loan after speaking with representative. 

I am reaching out to file this complaint to search for any help with this matter as I am completely blindsided by this and should not be responsible for this companies negligence. I have also requested that a supervisor call me within 24 hours as they made note on my account.

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 2024-08-06 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-06 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: CarMax, Inc.
State: FL

Complaint narrative:
on XX/XX/year> I went to carmax to see if I can get a used car, they sent my iformation to 6 companies without my consent, one of them was XXXX XXXX who states that I have opened a new account with them and I never consented to opening a spending account, i have reached out to this company and they said i have to speak to the credit bureau. Car max never asked me or advised me that they will send my information to other companies which now they all have done hard inquiries to my credit and it has droped significally

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have asked this company on my occasion to update my personal information. All the information is drastically different. They refused saying I havent provided accurate information. I dont know what else to do to resolve this matter other filing an complaint

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 2024-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: KY

Complaint narrative:
I did not receive any written notification about the debt. The collection company claims they sent notification in 2020 but I did not receive it and many mailings were not delivered correctly in 2020. No mail notifications after that were attempted. They called and I think it was a scam because I hadnt received anything in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In early XX/XX/XXXX I received two checks from Wells Fargo that they had made a mistake during a loan modification and that they owe me money. They sent the check in my name and my ex wife name who we are now divorce and have been since XXXX. My ex also turned the property over to me. I now own the property. I obtain a new title that shows just my name. I ask wells Fargo to reissue the checks in just my name. They ask for the divorce decree and a copy of my title and I sent them this information. I called Wells Fargo back about two weeks later and the representative told me that she had put in the request for the checks to be reissued. On XXXX XXXX I received a letter from Wells Fargo stating that they could no reissue the checks in just my name. The problem with this situation is my ex wife don't communicate like that and we do not have any joint bank accounts in our names, and have not in over 12 years. The title clealy shows that she does not want any thing to do with the property. I also showed them proof where I have a loan modification with them in my name only dated in XXXX. Im the only one paying the bank I have been in good standing for many years. My ex wife does not live on the property and I have very little contact with her. The amount of these checks comes to about {$5000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a previous complaint here # XXXX the company responded but I didnt accept it. 
I do not accept the response to complaint # XXXX provided by Wellfargo because the documents/evidence submitted do not support or prove that Wellfargo did not close my retirement savings account without my consent. The evidence is unclear and does not match, much less prove that I closed my retirement account and converted it to a CD account. One document was signed in XXXX and the other in XXXX. The other reasons why my complaint would be open are stated in my feedback to the company response

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 2024-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX TRANSUNION REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter Is appreciated XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX Email - XXXX SSN- XXXX Phone number - XXXX Inquiries that need to be removed are listed below XXXX XXXX - XX/XX/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 2024-08-06 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: SC

Complaint narrative:
I ahave asked the bureau to removed inaccurate information from my credit report that includes personal information, accounts and collections. I have asked bureau to produce original contract with signature stating that I guaranteed to pay debt or collection and they have not provided that to me. 

- XXXX : {$25.00} ( fraudulent, not mine ) - XXXX : {$9800.00} ( fraudulent, not mine ) - XXXX : {$6600.00} ( Fraudulent ) - XXXX XXXX {$9800.00} ( Fraudulent ) - XXXX : {$930.00} ( Fraudulent ) - XXXX  XXXX XXXX {$10000.00} ( Fraudulent ) All inquiries are not attached to no account, please delete. 

Personal information is inaccurate, old addresses need to be deleted b/c of attachment to identity theft/fraud

Company response to consumer: Closed with non-monetary relief