vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On XX/XX/year> a loan modification with Shellpoint Mortgage Servicing was applied to my account. I made my expected payment of {$1200.00} on XX/XX/year>. Today, XX/XX/year>, I tried to make my payment for XXXX and see that I'm expected to pay {$2700.00} due to my escrow payment now being {$1900.00}. This is a sharp increase from my expected escrow payment of {$490.00}. I called and spoke to a representative who told me this is due to them doing an escrow analysis in XXXX, the same month they were working on my modification. When I brought this to her attention she says that it's an automatic analysis and my modification wasn't taken into account. She then told me they received a huge payment for my escrow, this is because a modification settles your escrow deficit and puts it into a new principal balance. This isn't even the information she knew to tell me but what I know from dealing with the modification myself. She then tells me they sent a check for {$2200.00} saying I had a surplus in my account. However, they're still expecting me to pay {$2700.00} for both XXXX and XXXX each due to an incorrect escrow analysis. When I brought this to her attention she says the extra amount is to bring me out of a deficit. How do I have a deficit when you're sending me a check for a surplus? Overall, my escrow account should be regular. It shouldn't be a surplus or a deficit. Because of them mistakenly sending this check, my escrow account now has a deficit. Please see the attached photo to see how this mistake has messed up my account. Since my loan was transferred to them in XXXX, there have been ongoing issues. From lack of communication leading to me having prolonged missing payments and ruining my credit to applying the master condo insurance to my account instead of my private home insurance. This has been nothing short of a headache and I have had to constantly reach out to XXXX XXXX to deal with them. I am under the impression that they are either trying to force people to foreclose or are extremely incompetent. Either way, I need my account fixed asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX needed to replace her roof at her home in XXXX XXXX XXXX so we found a roofing company called XXXX XXXX ( based out in XXXX XXXX ) and she was able to finance it through a loan company that the roofers recommended called Good Leap, located in XXXX. All of the documents were signed in my mothers name, XXXX XXXX XXXX. My name is XXXX XXXX XXXX. My mother began to make payments of {$520.00} per month. The loan is supposed to be {$30000.00} for the replacement of the roof but they increased it to $ XXXX $ XXXX over a span of 20 years with interest. My mother recently passed away on XX/XX/XXXX of XXXX. Because her last will and testament names me as the executor of her estate, I notified every one of her creditors, via telephone, email, and certified letters along with a death certificate for verification of her passing. Good Leap was included as well. I also informed them that I would begin the probate process to sell her house so that I could pay off her debts. Good Leap continued to harass me via text, email, and in-person with an unprofessional letter claiming that the debt is mine and that if I dont pay it, they will take me to collections and ruin my credit. Ive spoken with Good Leap several times telling them please to cease and desist from harassing me any further but they are still continuing to do so. I have assured them several times that my mother had died, everything is currently going through the probate process, and that Im not trying to cheat them but they refuse to listen. I also found out they have a major class action lawsuit valued at {$34.00} XXXX against him in the XXXX for illegal practices of the same manner. They have several complaints with the XXXX XXXX XXXX  and other agencies as well for the exact same types of practices ( whom I had also filed a complaint with ). Im at my whits end with having to sell my mothers estate, find somewhere to live, and constantly being harassed by Good Leap. I recently spoke to a realtor and she also agreed that this type of practice is unethical on their part. I pray to XXXX that someone can help me or guide me to the right resources in solving this matter. I am overwhelmed and I just dont know what to do. I would appreciate any type of assistance and I thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
am writing to dispute inaccurate information on my credit report. Payments have been made on the listed accounts, yet the balances falsely reflect higher amounts instead of decreasing as they should. This is fraudulent and shows that the accounts are being reported inaccurately. I have also sent a letter requesting validation of these accounts, and over 30 days have passed without any response. From XXXX. XXXX its now XX/XX/XXXX If the information regarding payments and balances can not be trusted, it undermines the credibility of the entire reporting process. Therefore, I request the immediate deletion of these accounts from my credit report, as Experian has failed to ensure the accuracy and reliability of the 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 explanation
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I requested that the company validate not verify this debt the sent me verification there is a difference between the two validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Today, XX/XX/year>, I discovered a debt on my credit report that has been placed in collections by RESURGENT/LVNV FUNDING? The original debt is from XXXX ( I only know because I check my XXXX account daily as my credit goes up ). I am certain that I was never contacted by the collection agency via email, physical mail, or any calls to validate this debt as required by law. This lack of proper notification has prevented me from understanding the nature of the debt and exercising my rights to dispute it or seek verification.

This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide written notice of the debt and the consumer 's rights to validation.

The presence of this unverifiable debt on my credit report violates 15 U.S. Code 1681i ( 5 ), as the collection agency failed to follow proper validation procedures, leading to the reporting of inaccurate information. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against RESURGENT/LVNV FUNDING for their failure to comply with the FDCPA and FCRA and remove it from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: PA

Complaint narrative:
Dear Equifax Dispute Resolution Team, I am writing to formally dispute the accounts listed on my credit report as I have been a victim of a data breach. I request that all accounts associated with my personal information be blocked and deleted in accordance with the provisions set forth in 15 USC 1681c-2 ( a ).

The unauthorized access to my personal data has compromised my financial security, and I believe that blocking and removing these accounts is a necessary step to mitigate the risks associated with this breach.

Please find the details of my accounts below : Fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Account Name : Extra Account Number : I have attached any necessary documentation to support my claim, including attached documents, such as a police report, identity theft etc. 

I appreciate your prompt attention to this matter and look forward to your confirmation that these accounts have been blocked and deleted from my credit report. Please respond to my request at the earliest convenience. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disagree with the accounts listed below which still appears on my credit report, even after your investigation. I would like these accounts immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business of each Individual with whom you verified the above, so that I may follow up. please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disagree with the accounts listed below which still appears on my credit report, even after your investigation. I would like these accounts immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business of each Individual with whom you verified the above, so that I may follow up. please send me an updated copy of my credit report after your 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 2024-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Recently checking my credit report I noticed that I've been a victim of identify theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these Fraudulent inquiries from my credit report. I have also attached my identity theft report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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