vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
My home loan was with XXXX Bank. In XX/XX/XXXX they sold it to Specialized Loan Servicing. I did not need to have and escrow account as I paid more than 20 % down. I have always paid my property taxes and house insurance. XXXX XXXX I switched from one insurance carrier to another. Proof was sent to XXXX XXXX. The first thing Specialized Loan Servicing did was open an escrow account and insinuate I had no insurance on the property and placed me into a substandard expensive insurance company. I wrote to them in XXXX and XXXX. They ignored them. I called in XXXX XXXX and was told to again send them proof of insurance, which I did. Effective XX/XX/XXXX I changed insurance companies and they started taking the monthly premiums on auto pay. They sent the company notice, not a bill. In XXXX XXXX I started getting letters advising I was behind on the payments. I have consistently sent them the loan amount plus extra to be applied to the principle. I've written to them and called them numerous times over the past XXXX months to no avail. Now they are saying I haven't paid a house payment since XXXX XXXX. They attempted to raise my payment from {$260.00} to {$750.00}. I have no idea how they came up with that amount. I have XXXX my property taxes every year which cost around {$1000.00}. I called my house insurance carrier to find out about the premiums. They informed me that Specialized had opened a debit card in my name and paid the insurance premium for the year. The company had not sent them a bill. They thought it was my personal debit card and reimbursed it the premium I had paid. Specialized never told me any of this. Any overages I paid to the principle are in suspense and they have been holding every payment I have made and not crediting my account. I will end up paying more in interest. I am attempting to pay the loan off in 10 years rather than 20 which upsets them. Now I have received a letter stating they will foreclose in 33 days if I don't pay them {$4100.00} which is more than the house payment and insurance combined. I have been paying an additional {$160.00} to reimburse them for the house insurance they paid. That is what would have been taken out by the insurance company. I can not refinance because they have reported to the credit bureaus that I have not made a house payment in 7 months. They also have someone taking pictures of the home. They are saying the house is unoccupied. No one at this loan company will honestly tell you anything. I want it stopped.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am trying to clean my credit report and I am informing that the account XXXX in the amount of {$1600.00} and account XXXX in the amount of {$4800.00} are not my accounts. I have been a victim of identity theft and have no recollection of these accounts. Consumer Law SECTION 605 A 15 U.S. CODE 1681 C-1 states : The banking system is dependent upon fair and accurate credit reporting.

SECTION 605 B 15 U.S. CODE 1681 C-2 states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate ; block of information reported as identity theft.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am trying to clean my credit report and I am informing that the account XXXX in the amount of {$1600.00} and account XXXX in the amount of {$4800.00} are not my accounts. I have been a victim of identity theft and have no recollection of these accounts. Consumer Law SECTION 605 A 15 U.S. CODE 1681 C-1 states : The banking system is dependent upon fair and accurate credit reporting.

SECTION 605 B 15 U.S. CODE 1681 C-2 states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate ; block of information reported as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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 XXXXXXXX, 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 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 2023-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: OK

Complaint narrative:
on XX/XX/ the XXXX XXXX that holds my loan called me and told me they are offering a lower interest rate right now. I asked about it. He said we will get you a XXXX rate from your XXXX rate. It will lower it 200-300 per month. He said he will not charge me closing costs or anything but the XXXX for appraisal fees. I said I can get it lower if I had someone do it. He then came back and said I can get it for no money down today. At closing I will only need my this month mortgage and XXXX for the appraisal fee they will now charge me at closing. When I got the documents it had built in a closing fee that equaled XXXX month of my mortgage payment that I would supposedly not have to pay if they close. The paperwork also told me I cant consult anyone on this. I told the loan guy no I wont do this. I told him he is charging me closing cost and the reason I am not paying a mortgage payment is cause my closing fee is the same amount. I told him to not call me nor text me again. I called my loan officer that I worked with when getting this loan. he told me to XXXX way all the guy and let him know that again. I called the guy back and let him know I do not want to hear from him in any way. Dont offer me any so called deal. I will pay my mortgage each month until I can do enough to refinance it with someone else. He then hung up on me. He then text me and told me my life was complicated and I was stupid for not doing this. I again asked him not to call or text. He text me again and called me a fool. I am now concerned of what else will he do over the next year until I can refinance with another company. I have attached just some of the conversation that this guy said to me. I dont want to ever do business with a company that has no ethics, morals or is so sneaky to XXXX over their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
XXXX XXXX Compliance Standards. This alleged debt are reporting fraudulently the XXXX Main credit bureaus work for me and I want this unverified debt removed, due to willful non-compliance due to FURNISHING MY PRIVATE INFORMATION WITHOUT XXXX DISCLOSURES you must remove all inaccuracies. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, How was this verified? 
If a debt is sold to a XXXX party a consumer ( you ) have a right to know how much it was sold for, and if the debt was assigned to a third party the consumer ( you ) have a right to know what their commission is if they are successful in the collection of such debt. please remove this debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. Account Name : XXXX XXXXXXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXXXXXX XXXX # XXXX. 15 U.S.C 1681 section 602 A. States I have 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 crime which antedates the report by more than sever 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 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 2023-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: LA

Complaint narrative:
XX/XX/XXXX with speedycash. {$300.00} is the amount taken out and this was not me. I have had this happen multiple times with these payday loan companies, and none of what was taken out was done by me! Please help me fix this, I have no idea where to start or who to contact. It is affecting my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I kept recieving calls from this collector I told them over the phone and over mail to not call or try to communicate with me in any way they continued to attempt to I need for yall to verify and validate this collection Innacurate account please verify with accuracy XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested the identity of the " Third Party Vendor '' Experian used to verify the completeness and accuracy of a record listed on my credit file as " XXXX XXXX XXXX XXXX XXXX' reference # XXXX. The FCRA requires credit reporting agencies to " Clearly and accurately disclose to the consumer the sources of the information '' in the consumer 's credit report under 15 USC 1681g ( a ) ( 2 ). According to Experian 's response from complaint # XXXX it contacted a third-party vendor who has certified the accuracy of this report. However, according to the attached report dated XX/XX/2023, no third-party vendor is listed. In fact, the record is listed as the court under " XXXX XXXX XXXX XXXX '' which is inaccurate based on Experian 's response. I am requesting the removal of this record from my credit file on the basis of the FCRA violation listed above.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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. 

XXXXXXXX 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
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
I have called several times also I sent a ftc report stating that their was fraudulent information on my credit report they keep telling its closed as correct then they say its open for dispute which is it I clearly have the documents showing it was in fact identity theft by genesis credit management.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, 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: TX

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent you a letter last XXXX XXXX XXXX but I haven't got any response from you and according to the FCRA you are required to response within 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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is reporting wrong information on my credit report regarding XXXX account and XXXX XXXX  XXXX XXXX card.

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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX is reporting wrong information on my credit report regarding XXXX account and XXXX XXXXXXXX XXXX XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting wrong information on my credit report regarding XXXX account and XXXX XXXXXXXX XXXX XXXX card.

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 2023-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Re : Target RedCard Every time I call the person on the phone refuses to give me a call back number, their name, an employee ID, or anything that they as an employee can be identified by. 
I have attempted to cancel my target card on multiple occasions. I will be placed on hold for 10+ minutes for someone to eventually end the call without actually canceling my card. The last time I attempted to cancel this card I discussed my frustration and was assured the card was cancelled. I requested an e-mail stating this and they reported that they could not do this but I would be mailed the termination letter. Well, I received a letter from target today stating my card was being upgraded to a XXXX. All I want is to cancel my card.

Company response to consumer: Closed with explanation