vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: OR

Complaint narrative:
In XXXX, I received our annual escrow account statement, alerting me that my monthly mortgage payment would be going up by about {$100.00}, in order to account for revised tax/home insurance amounts, and to make up a shortage of my escrow account. 

The shortage is estimated to be {$840.00}, representing the difference between the projected low balance ( - {$200.00} ) and the " required escrow balance '' ( {$630.00} ) - required being their terminology despite the fact that federal law does not require them to have that minimum but permits them to " charge the borrower a cushion that shall be no greater than one-sixth ( 1/6 ) of the estimated total annual payments from the escrow account. '' XXXX ( c ) ( XXXX ) ( i ). When extrapolated over the course of the year, that adds {$70.00} to my monthly payment. 

I don't take issue with the fact that there is a shortage that needs to be accounted for. What I take issue with is the timing of the mortgage servicer paying my property taxes, and doing so to create a greater shortage ( or a lower " projected low balance '' ) for the year, which in turn requires me to pay more each month in order to make up the shortage. 

In the County where I live, property taxes are due on XX/XX/XXXX of each year. I don't even receive a statement from the County until after XX/XX/XXXX. In XXXX, despite my escrow statement from XX/XX/XXXX projecting my property taxes to be paid in XX/XX/XXXX, after my monthly mortgage payment ( which is paid on the first of each month ), the servicer debited my property taxes from my escrow account on XX/XX/XXXX, creating a negative balance until my mortgage was paid the very next day. Looking at the escrow statement for XXXX, because the servicer plans to debit my property taxes from my escrow account in XX/XX/XXXX rather than just days later after my XX/XX/XXXX mortgage payment, I will have a balance of - {$200.00}, rather than {$110.00} if they would wait to pay the property taxes closer to when they are actually due. Doing so would lower my " shortage '' to {$520.00}, requiring an added {$43.00} each month in XXXX to make up the difference. 

I have reached out to the servicer to try and resolve the issue, but they told me it would not be possible to adjust the date of the property tax payments for my account, because it is sent to the County as a lump payment covering the property taxes of all accountholders within the County, which leads me to believe that they are artificially creating shortages or greater " Projected Low Balances '' for many more accountholders in the area, something that could be resolved if they simply paid the property taxes when they were due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: SC

Complaint narrative:
I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE Please help me block and delete these inquiries and accounts immediately!

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 2022-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TMX Finance LLC
State: GA

Complaint narrative:
I got a title loan for XXXX on my XXXX XXXX well then we lost work and I didn't have the money but one day I got a check in the mail so I called to py it off I only had XXXX but they refused to Take said I had to have XXXX I need my title back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: SC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-12-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a 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 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: COMMERCE BANK
State: KS

Complaint narrative:
I noticed that there were erroneous service charges from the bank to my account as well as unusual interest payments. Along with this, the account balance wasn't calculating correctly to the charges/credits that were listed in online account ledger. For example there was a {$11.00} service fee but the account balance increased instead of decreasing, the interest payments weren't increasing or decreasing the account balance. I called the bank to find out what's going on and the customer service person acknowleged that they were aware of the issue and working on it but that i would not see additional line items in my account ledger fixing it, they were just going to correct the total balance in the back ground. I informed them that i was not ok with them not listing the corrections as line items so i could balance my account correctly. I asked for a formal complaint on this and they informed me that they would file the complaint. I recieve nothing inidcating that they acutally filed the complaint. A month later i saw the total balance correct, but no line items indicating what they did to fix it. I'm not ok with them taking money out or adding it back in to my account without listing the transactions so i can keep it balanced on my end and ensure they're not making further mistakes. Attached is a screenshot of the account ledger.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: PA

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 XXXXXXXX : 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 explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX, I signed a XXXX contract for XXXX XXXX XXXX monitoring ( which at the time was XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called XXXX about moving my service to a new address since I had just moved. They told me my monthly charge was going to go up and I'd have to buy new equipment. I told them I didn't want to do that and I wanted to cancel services. They said that, since I signed a contract for 36 months, that they would continue to charge me until XX/XX/XXXX. I told them I wanted my services cancelled as soon as that period ended. I also asked for a copy of my signed contract and for something in writing saying I cancelled. They told me they would email me my contract, but they never did. They also told me that my call was documented in their system. I asked for an email or something else confirming cancellation, but they continued to just say it was documented in my account. After that conversation, I continued to pay every month through XX/XX/XXXX even though I did not have any services through them. However, in XX/XX/XXXX, they tried to continue charging me. I had to dispute the charge with my bank and ask my bank to do a stop payment, since I had already asked XXXX to cancel my account and stop charging me once the contract had ended. After that, XXXX continued to try to charge me every month and added late fees as well. I was not under contract with them at this time, did not authorize them to charge me, and had already requested my account be closed in XX/XX/XXXX. They continued to attempt to charge me every month until XX/XX/XXXX, at which point they decided to finally cancel my account and then they sent it to collections. Now they are saying I owe them {$390.00}, but these are all charges accrued after my contract period ended. They were not authorized by me to continue accruing these charges yet they sent it to collections and put it on my credit report. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2022-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
on XX/XX/XXXX XXXX closed my account without reason affecting muy credit score on XX/XX/XXXX XXXX XXXX closed my account without any reason on XX/XX/XXXX best buy/cbna closed my account without reason due the bureau credits send the order on XX/XX/XXXXXXXX XXXX XXXX closed my account without a reason All those account closed in my credit bureau with the remarked " CANCELED BY XXXX XXXX '' affected my credit report in a really bad way, my credit score still been affected because every time that i paid they reduce my credit limit and also closed accounts without any reason

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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Good evening, To whom it may concern, My name is XXXX XXXX XXXX, The executor, secured party, creditor and sole living heir to the XXXX XXXX XXXX TRUST/ESTATE . 

I have contacted EQUIFAX numerous times using various methods of communications both written and verbal. My efforts have Been ignored, laughed at, discriminated against, mocked, and by them doing so has caused me pain and mental anguish. The unauthorized use of my private information by EQUIFAX and it's third party associates has not gone unrecognized and I must point to proof of such unauthorized inquiries and accounts. 

EQUIFAX has misled me to believe that they are a Credit Bureau which is in fact the opposite. According to 15 USC 1681a ( d ) ( 1f ), EQUIFAX is a Consumer reporting agency and a Consumer Reporting Agency means any person which, for MONETARY FEES, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

Based on the scope of the definition, it clearly indicates that EQUIFAX is in the business of buying and selling consumer 's private information to third party vendors. Which would make them some sort of financial institution and also dealing in securities and exchange.

Being a private American National and not a vessel of the United States. It is my right to demand access and assess all accounts and contracts that all U.S Corporations has established with the en-legis entity XXXX XXXX XXXX without my written consent. That also includes EQUIFAX. 


The Freedom of Information Act ( FOIA ), the Privacy Act at 5 U.S.C. 552a ( b ), section 1106 of the Social Security Act, codified at 42 U.S.C. 1306, and SSA regulation at 20 C.F.R. 401.100 provides legal authority for disclosure of SSN verifications from SSA records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: IN

Complaint narrative:
People have stolen my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: FL

Complaint narrative:
Account Name : XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2022-12-30 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15USC1681Section 602A states that I have the right to privacy.

15USC1681Section 604A Section 2 also states that 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 non-monetary relief
Consumer complaint received 2022-12-30 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: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15USC1681Section 602A states that I have the right to privacy.

15USC1681Section 604A Section 2 also states that 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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Good evening, To whom it may concern, My name is XXXX XXXX XXXX, The executor, secured party, creditor and sole living heir to the XXXX XXXX XXXX XXXX XXXX 

I have contacted TRANSUNION numerous times using various methods of communications both written and verbal. My efforts have Been ignored, laughed at, discriminated against, mocked, and by them doing so has caused me pain and mental anguish. The unauthorized use of my private information by TRANSUNION and it's third party associates has not gone unrecognized and I must point to proof of such unauthorized inquiries and accounts. 

TRANSUNION has misled me to believe that they are a Credit Bureau which is in fact the opposite. According to 15 USC 1681a ( d ) ( 1f ), TRANSUNION is a Consumer reporting agency and a Consumer Reporting Agency means any person which, for MONETARY FEES, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of XXXX XXXX for the purpose of preparing or furnishing consumer reports. 

Based on the scope of the definition, it clearly indicates that TRANSUNION is in the business of buying and selling consumer 's private information to third party vendors. Which would make them some sort of financial institution and also dealing in securities and exchange. 

Being a private XXXX XXXX and not a vessel of the United States. It is my right to demand access and assess all accounts and contracts that all XXXX XXXX has established with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX written consent. That also includes TRANSUNION. 


The Freedom of Information Act ( FOIA ), the Privacy Act at 5 U.S.C. 552a ( b ), section 1106 of the Social Security Act, codified at 42 U.S.C. 1306, and SSA regulation at 20 C.F.R. 401.100 provides legal authority for disclosure of SSN verifications from SSA records.

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