vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I complained about my escrow account being inaccurate since XXXX XXXX..I made complaints with Consumer Financial Protection Bureau and Department of Financial Protection . My biggest fear was our escrow account would be in a perpetual shortage because SPS initiayll had the escrow account correct when they became my mortgage servicer in XX/XX/. Then SPS did an incorrect analysis on my escrow account lowering my property taxes from {$18000.00} per year to {$2000.00} per year to {$9000.00} per year. I complained several times ... .I expressed that there was going to be a monthly shortage amount added to our mortgage that we would not be able to pay and we would lose our property .... MY BIGGEST FEAR HAS COME TRUE. SPS has increased our monthly mortgage amount over {$800.00} p0er month... We can not pay this. We just purchase our home and we are going to go into foreclosure due to SPS 's mistake ..... There has got to be something that can be done with this monthly shortage amount so that we do no go into foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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:
This is a DEMAND TO COMPLY LETTER with written instruction as it relates to me, the consumer, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act, it has been established by Congress that your agency 's role is to adopt reasonable procedures to ensure fairness, impartiality, and a respect for my right to privacy for maximum possible accuracy. 
Under 15 U.S. Code 1681e et seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions. There has been a violation of these reasonable procedures because, as I have shown within my attachments, there has been inaccurate and unverifiable information removed from another consumer reporting agency but has not been removed from your system. 
You should be aware that your failure to maintain reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to the Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. 
Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, to follow your fiduciary responsibility to me and remove/delete the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act. 
However, this account is reported with your agency. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false and misleading reporting. 
I demand this account to be removed from my consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly delete that item of information as required for treatment of inaccurate or unverifiable information pursuant to 15 U.S. Code 1681i ( 5 ) ( A ). 

Account name : XXXX XXXX, opened on XXXX with a balance of {$3000.00} Remove this account UNDER PENALTY OF PERJURY. Delete this account for violation of 15 U.S. Code 1681e, failure to maintain reasonable procedures, 15 U.S. Code 1681b ( e ) ( 6 ), FDCPA Violation of 15 U.S. Code 1692e False and Misleading reporting, Violation of 15 U.S.

Code

1681i ( 5 ) ( A ). Deprivation of Rights 18 U.S. Code 241. I am demanding my remedy for your willful noncompliance for each
violation of law.

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 2023-12-07 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:
This is a DEMAND TO COMPLY LETTER with written instruction as it relates to me, the consumer, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act, it has been established by Congress that your agency 's role is to adopt reasonable procedures to ensure fairness, impartiality, and a respect for my right to privacy for maximum possible accuracy. 
Under 15 U.S. Code 1681e et seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions. There has been a violation of these reasonable procedures because, as I have shown within my attachments, there has been inaccurate and unverifiable information removed from another consumer reporting agency but has not been removed from your system. 
You should be aware that your failure to maintain reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to the Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. 
Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, to follow your fiduciary responsibility to me and remove/delete the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act. 
However, this account is reported with your agency. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false and misleading reporting. 
I demand this account to be removed from my consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly delete that item of information as required for treatment of inaccurate or unverifiable information pursuant to 15 U.S. Code 1681i ( 5 ) ( A ). 

Account name : XXXXXXXX XXXX opened on XXXX with a balance of {$3000.00} Remove this account UNDER PENALTY OF PERJURY. Delete this account for violation of 15 U.S. Code 1681e, failure to maintain reasonable procedures, 15 U.S. Code 1681b ( e ) ( 6 ), FDCPA Violation of 15 U.S. Code 1692e False and Misleading reporting, Violation of 15 U.S.

Code 1681i ( 5 ) ( A ). Deprivation of Rights 18 U.S. Code 241.

I am demanding my remedy for your willful noncompliance for each violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
An account was opened in my name and it shows the account opened with my information but with a different birth year. My ID has been stolen on a few different occasions and it looks like this account was opened without my consent. 

The account that was opened shows my age at the time that the account was opened as incorrect. There is a phone number on the account that is not mine. The signature on the account when it was opened is signed electronically and it is just scribble and could be signed by anyone. 

I had a few documents come in the mail from the company but I thought they were just advertisements and didn't even open the documents. I was served with papers saying I was being sued by this company and had no knowledge of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
During the COVID pandemic, my wife and I requested a forbearance from the bank managing our loan due to unforeseen circumstances we encountered. Sometime in early 2021 was when this took place. In late 2021 around XXXX we called in to remove the forbearance a few months early because we were in a place to continue paying. during the same call we attempted to pay for that month. The call center rep let us know that since we were already in the month of XXXX the payment we were making would go to XXXX, We were told we would not have to pay until XXXX. My wife and I were ok with this and followed through with the process. When XXXX came around we were unable to pay online as usual due to a delinquency on the account. When we called in they said this was because the payment we made was routed to paying off the forbearance instead of our normal mortgage payment which put us a month behind and XXXX was never paid for. After speaking with them they assured us that they would get it taken care of and move the money to the correct places and we were informed this would be noted on the account. so when XXXX came around we got the same call and nothing had been done. This continued for 2 months with them informing us that it would be taken care of. During that process we continue to make our normal payment. Each time the payment is made after the first of the month we are being charged a late fee and our credit scores take massive hits because the bank reports we are over 30 days overdue. The last time I spoke with them I was informed there is nothing they can do now and we just need to pay the late fees and XXXX payment

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 2023-12-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX hard inquire by XXXX XXXX XXXXXX/XX/XXXX hard inquire by XXXX XXXXXXXX. XX/XX/XXXX hard inquire by XXXX XXXX. I gave no permissible purpose to a person to pull my consumer report, which would result in a hard inquire on my EXPERIAN consumer report.

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 2023-12-07 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:
Bankruptcy : XXXX XXXX, is the result of identity theft, and They are not belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: TX

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS RESOURCEON Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
under the Fair Credit Reporting Act XXXX account # 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 : also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-12-07 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: SC

Complaint narrative:
under the Fair Credit Reporting Act XXXX account # 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 : also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: GA

Complaint narrative:
Account Information XXXX XXXX I have been in contact with VANCE & HUFFMAN LLC for over a year now via phone, company website and disputes sent via the credit bureau. I have informed them that a company that I previously owned was used to take out several loans using a company that had went out of business and my personal information. The loan that was taken out with taken out with XXXXXXXX XXXX XXXX  used my personal information as a personal guarantor but also someone else information that was not associated with the business nor was a signer on the documents with the state. The only other party who as able to sign or enter any contractual agreements was my spouse who was not listed anywhere on the agreement. The equipment that they are trying to hold me responsible for was shipped to an address where I no longer lived or received mail. The collection agency refusing to look at any documentation original contracts, lease agreements, police reports, business status with the state of GA when the loan documents were created, which all show that the debt is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Peer Advisors, LLC
State: PA

Complaint narrative:
The IRS sent form 1099C for the cancellation of the debt. The Company which is Compu Link Corporation ( FHA case # XXXX ) has not cancelled out the debt nor have they XXXX  out the balance and have sent me threatening letters in the mail. The form was sent to them on XX/XX/2023. 18USC Section 241.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: IL

Complaint narrative:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The accounts 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 accounts : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: FL

Complaint narrative:
The credit reporting agency is reporting inaccurate personal information. I only have one current and accurate home address

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit reporting agency is reporting inaccurate personal information. I only have one current and accurate home address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX, XXXX, and TransUnion are in violation of consumer law code 15 USC 1681 B Permissible Purpose. I did not authorize the inquiries below, nor did I give written consent for these inquiries to be reported. I demand these fraudulent inquiries be removed immediately. Additionally, I demand that XXXX, XXXX, and TransUnion provide proof of my written signature stating that I authorized these transactions. If such documentation isn't provided I demand that the inquiries be removed. 

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 non-monetary relief
Consumer complaint received 2023-12-07 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: PA

Complaint narrative:
Equifax, XXXX, and XXXX are in violation of consumer law code 15 USC 1681 B Permissible Purpose. I did not authorize the inquiries below, nor did I give written consent for these inquiries to be reported. I demand these fraudulent inquiries be removed immediately. Additionally, I demand that Equifax, XXXX, and XXXX provide proof of my written signature stating that I authorized these transactions. If such documentation isn't provided I demand that the inquiries be removed. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
We received an escrow statement dated XX/XX/ stating that our monthly payment would be increasing by approximately {$200.00} per month this year, beginningin XXXX I called to find out what the reason for the significant increase was and was told that the value of my home had increased and therefore my predicted taxes were increasing. When I told the representative that my taxes have never increased that much and wanted to know the basis of the calculation, I was told " they have a formula '' and the burden of proving a less significant increase in this year 's coming taxes was on me. This then prompted me to make several phone calls to my local township, XXXX XXXX XXXX and the XXXX XXXX Tax Assessor. My property has not been reassessed. Today I spoke to XXXX on PHH 's Escalation Team and realized that my increase is due to an escrow mistake where PHH underestimated my local township taxes last year by over {$1000.00}. When I asked if my {$200.00} monthly increase is due to making up for last year 's miscalculation, he would not give me a yes or no answer and offered no apology. Many consumers can not afford a sudden and significant increase in payment with approximately 6 weeks notice and that may cause significant financial hardships. PHH knew of the error in XXXX and legally, I believe that we should have been contacted within 30 days of the error regarding correction options at that time.

Company response to consumer: Closed with non-monetary relief