vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I brought a home as first time buyer, shortly thereafter my mortgage was changed to a different servicer, Mr. Cooper. My monthly mortgage payment included my PMI insurance for an amount of {$2100.00} per month. At closing I paid for my hazard insurance for the year. On XX/XX/2023 that policy was to renew with XXXX. However, XXXX quoted an increase of {$2.00}, XXXX increase. I told them I am not renewing. The escrow department for Mr. Cooper called XXXX and XXXX told them the hazard insurance is XXXX. When I tried to make a payment, I noticed my mortgage was now {$2300.00} for a monthly payment. I called Mr. Cooper who told me that was for my hazard insurance. I then conferenced called XXXX with Mr. Cooper 's escrow department. XXXX acknowledged the mistake and stated they would send the check for the difference as they could not send it to the escrow department. Mr. Cooper 's escrow department stated, once I receive the check for the difference of {$1800.00} from XXXX, to immediately deposit in my escrow account and my mortgage payment would resume the original amount of {$2100.00}. I made the XXXX payment of {$2300.00}. On XX/XX/2023, I received the check in the amount of XXXX in which I deposited into my escrow account,. I called Mr. Cooper and they claim they would do an escrow analysis to correct the erroneous increase. On XXXX the problem was not resolved. I called again and spoke to XXXX XXXX did not give me her last name ) and she stated the mortgage would not change. The escrow department advanced payments and that paid for the credits. I asked for an account history. After receiving the account I asked why am I being charged a PMI. XXXX stated that is part of the loan. As we went down the list of transactions, the amount deposited was not deducted. The PMI amount is included in the mortgage payment of XXXX. I am being charged twice for the PMI and my fixed rate mortgage should not be at {$2300.00}. I made the XXXX payment at that amount and now I need to know what do here. I calculated the discrepancy on just the hazard insurance error and it is at {$2600.00} not to mention XXXX I am being charged twice since they took on my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Dear CFPB, I received the following email today : " XXXX, Were restricting your Capital One account ( s ) until we can verify your recent account activity. 



Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you dont have an externally linked checking account or if the account linked is no longer open, a check will be mailed within XXXX business days to the address on file. 



If you have questions, please give us a call at XXXX, XXXX XXXX XXXXXXXX XXXX and Saturday XXXX XXXX XXXX XXXX 



Thanks for choosing Capital One. 




NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age ( with certain exceptions ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Washington DC XXXX. 





Products and services are offered by Capital One , N.A., Member FDIC. XXXX  Capital One. '' After receiving it, I called Capital One to verify its veracity hopefully resolve the issue and get access to my money again. The representative I spoke to claimed that the bank conducted an internal investigation and found suspicious activity on my account between XXXX and XXXX. They would not specify what exactly they were referring to, though I suspect that they were talking about checks belonging to my mother which she asked me to deposit on her behalf. After informing me that the bank 's decision was final, I was immediately locked out of my checking account, CD and various savings accounts. 

I have tried to call back to seek clarity on when my money will be sent back to me but now they won't speak to me and just ask me to leave a voicemail and don't even let me do that. I am reaching out to CFPB because this is my Social Security money and my savings which I need to survive and pay my bills. I've already opened an account at a different bank but I have no access to my money being held at Capital One. 

Thanks for your help and I look forward to a speedy resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
We had 2 months deferred due to the pandemic and is showing 30 days late. the account is now paid off and should reflect as never late Please see attached deferred payment agreement

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
We had 2 months deferred due to the pandemic and is showing 30 days late. the account is now paid off and should reflect as never late Please see attached deferred payment agreement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We had 2 months deferred due to the pandemic and is showing 30 days late. the account is now paid off and should reflect as never late Please see attached deferred payment agreement

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
By the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions. They never got my written consent to furnish my information.

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 2023-08-02 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 U.S.C.1681 XXXX  Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A States I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681C ( a ) ( 5 ) 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.

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 2023-08-02 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 U.S.C.1681 XXXX  Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A States I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681C ( a ) ( 5 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I got a call from Capital One Credit card company saying that there was a application put it under my name on XX/XX/2023 and that someone was taking my identity. The card was a Cabelas Capital One credit card that was is Virgina. I told them that was not me and went through the steps with them. I also filed for a dispute with XXXX as well for fraudulent. So far it was not accepted but is now showing as a hard inquiry on my credit report. I did not try to open any credit cards. I do not live in Virgina and do not go to Cabelas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Stewart Information Services
State: VA

Complaint narrative:
PLEASE SEE ATTACHED NOTICE OF ALLEGED BILLING ERRORDISPUTE, PAYEE IDENTIFICATION DISCREPANCIES, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES IN CONNECTION WITH CONSUMER [ NONBANK ] MORTGAGE LOAN ACCOUNT NOS. : XXXX AND XXXX, INSURED BY THE UNITED STATES FEDERAL GOVERNMENT [ AGENCY CASE NUMBER : XXXX AND RECEIVABLES. XXXX XXXX XXXX, XX/XX/2023 PLEASE SEE ATTACHED NOTICE OF ALLEGED BILLING ERRORDISPUTE, PAYEE IDENTIFICATION DISCREPANCIES, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES IN CONNECTION WITH PROPERTY OWNERS AND CONDOMINIUM UNIT ASSOCIATIONSACCOUNT NOS : XXXX, XXXX, AND XXXX, INSURED BY THE UNITED STATES FEDERAL GOVERNMENT [ XXXX XXXX XXXX XXXX XXXX ] AND RECEIVABLES. XXXX XXXX XXXX XXXX XX/XX/2023

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 2023-08-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On or about XX/XX/2023, I received a message on my phone with a link directing me to create a logon for an outstanding debt with no explanation as to who or why the company was contacting me. I looked online and found the company 's website stating a letter of transfer should be received but I had not received anything outside of texts and an email to create a logon for this company. I have been very leery of frauds since I am in law enforcement and have seen many types of fraud and investigating several cases at this time. 

On XX/XX/2023, I sent a Request for Debt Verification Letter by certified mail to Westlake Portfolio Management in XXXX XXXX, California. This certified letter was received and signed on XX/XX/2023. Today is XX/XX/2023, and I have not received a response from Westlake Portfolio Management in the form of proof of the debt. 

I have received two phone calls since the certified letter was received. The first call was a notification that my account was past due and in arrears by over {$800.00} and asking how I planned to pay the debt today. I informed the caller that I was not sure why he was contacting me since I received confirmation of the company 's receipt of the certified letter. I then, read the letter on a recorded line in its entirety. The caller then proceeded to ask me questions over and over, seemingly, in an attempt to frustrate me. I suggested that he take a moment to listen to what I stated and told him I was disconnecting the telephone call because it appeared he was harassing me at this point.

The second call was from someone again stating he was with Portfolio Management and threatened to file charges against me and send me to jail. I then informed him that the debtor 's jail has not been in place for more than 25 years and that this was a form of unfair practice. I also informed the rude and aggressive gentleman that there is a certified letter the company has in its possession requesting validation of debt with a cease and desist order included. Since this call, I have not been contacted in any form by Westlake Portfolio Management inclusive of a certified letter or package validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: OH

Complaint narrative:
I HAVE BEEN A VICTIM OF VARIOUS DATA BREACHES AND ALSO HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE A FEW ACCOUNTS ON MY CREDIT REPORTS THAT DO NOT BELONG TO ME AND ARE UNAUTHORIZED. I ALSO DO NOT HAVE ANY CONTRACTS WITH THE COMPANIES LISTED ON MY REPORTS. THIS IS HURTING MY REPUTATION WITH THE BANKING SYSTEM AND ALSO HURTING MY CHANCES WITH GETTING ANOTHER MORTGAGE LOAN. I NEED THESE ACCOUNTS AND INQUIRIES REMOVED IMMEDIATELY. I HAVE SUBMITTED ALL OF MY POLICE REPORTS AND FTC REPORTS TO TRANSUNION, XXXX, AND XXXX ALONG WITH ALL OF MY ID DOCUMENTS. THIS WAS NOT SUBMITTED IN ERROR OR A MATERIAL MISREPRESENTATION. IF THESE FRAUDULENT ACCOUNTS ARENT REMOVED I WILL TAKE LEGAL ACTION

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 2023-08-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Letter sent to Experian in regard to account name : ( XXXX XXXX XXXX ) Account XXXX. 

XX/XX/XXXX " XXXX '' Re : Social Security # : XXXX To whom it may concern : This letter I being sent to you in response to your recent letter. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC.13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record acquisition of such information without the authorization of the individual. 
Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-08-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my THIRD request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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

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