vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I've been talk to Select Porfolio Servicing , Inc. several times to get help for my property but it continued foreclosure on my property. I did submitted another Assistance Program Application, it's currently under review. I talk to XXXX on XX/XX/2021, she said that the account will send to the attorney on XX/XX/2021 to foreclosure. I submitted complete Assistance Program Application on XX/XX/2021. I call SPS back on XX/XX/2021 talk to XXXX, she said the the foreclosure is on hold until XX/XX/2021. 
I call back today XX/XX/2021 to make sure that the foreclosure is still on hold, I talk to XXXX from Utah, he said that he's not sure the foreclosure is on hold and he transfer me to his manager. The manager name XXXX XXXX XXXX said that SPS do not have the exact time line after tomorrow and the foreclosure action is pending and SPS can foreclosure my property anytime they want. 
My property under protection of this Senate Bill No. 91. 
Senate Bill No. 91 CHAPTER XXXX An act to amend Sections 789.4, 1942.5, and 3273.1 of, to add Sections 1785.20.4, 1788.66, and 1942.9 to, and to add and repeal Section 1788.65 of, the Civil Code, to amend Sections 116.223, 1161.2, 1161.2.5, 1179.01, 1179.02, 1179.03, 1179.03.5, 1179.04, 1179.05, and 1179.07 of, to amend the heading of Chapter XXXX  ( commencing with Section 1179.01 ) of Title 3 of Part 3 of, to add Section 1179.04.5 to, and to add and repeal Chapter XXXX ( commencing with Section 871.10 ) of Title 10 of Part of, the Code of Civil Procedure, to amend Section 925.6 of the Government Code, and to add Chapter XXXX ( commencing with Section 50897 ) to Part 2 of Division 31 of the Health and Safety Code, relating to tenancy, and making an appropriation therefor, to take effect immediately, bill related to the budget. 

[ Approved by Governor XX/XX/2021. Filed with Secretary of State XX/XX/XXXX, XXXX ] And the Assembly Bill No. 832. 

Assembly Bill No. 832 CHAPTER XXXX An act to amend Sections 789.4, 1788.65, 1788.66, 1942.5, and 3273.1 of the Civil Code, to amend Sections 116.223, 871.10, 871.11, 871.12, 1161.2.5, 1179.02, 1179.03, 1179.03.5, 1179.04, 1179.05, and 1179.07 of, to amend and repeal Section 1161.2 of, and to add and repeal Chapter XXXX ( commencing with Section 1179.08 ) of Title 3 of Part 3 of, the Code of Civil Procedure, and to amend Sections 50897, 50897.1, 50897.2, 50897.3, and 50897.4 of, and to add Sections 50897.2.1 and 50897.3.1 to, the Health and Safety Code, relating to tenancy, and declaring the urgency thereof, to take effect immediately. 

[ Approved by Governor XX/XX/2021. Filed with Secretary of State XX/XX/XXXX, XXXX ] I need your help to stop the bank foreclosure on my property. Thank you so much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
Please refer to Complaint ID XXXX ) filed on XX/XX/2021. 
Rocket Mortgage refunded to me the {$340.00} they erroneously paid on XX/XX/2021. 
Excellent! Thank you! 

BUT... 
Here we go again. 
I just received from Rocket Mortgage a " Lender Placed Flood Gap First Letter ''. 
Wouldn't you know it is an exact copy of a letter they first sent to me just five months earlier on XX/XX/2021. 

Last night I had just drafted another complaint to you about Rocket Mortgage who had ( in addition to the " force-placed flood gap '' scam ) purchased TWO homeowners insurance policies for me -- kind of forgetting that their extending a mortgage loan to me in the first place had required me to prove that I had already paid 12 months of homeowners insurance -- the cost of which was ALREADY factored into the escrow payment in my monthly payment. 

Just as I finished drafting the complaint, it turned out to have gotten resolved, though not before they had withdrawn {$380.00} from my bank account in excess of what I truly owed. They told me they are refunding that amount. 

For details, please see my submission under " Tell Your Story ''. ( It includes the complaint I had drafted ; I attach a copy here. But maybe you shouldn't send it to Rocket ; it would tip them off, if it really is a scam. ) I have also notified XXXX. XXXX XXXX that its rating of Rocket Mortgage as # 1 in mortgage servicing in the U.S. " eight years running '' is seriously stale if not suspect, given the experience I have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
I recently obtained a copy of my consumer report and noticed a company Lexis Nexis has violated and infringed upon my consumer privacy rights, according to 15 USC 1681 ( a ) ( 4 ). 15 USC 1681 ( a ) ( 4 ) states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. Lexis Nexis did not have permissible purpose nor written instruction to obtain my consumer report per 15 USC 1681 ( b ), per 15 USC 1681 ( b ) ( a ) ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a terrorism offence, per 18 USC 1028 ( A ) ( 2 ), my consumer identification was used unlawfully and without consent to obtain information from XXXX  which is a violation of my federally protected consumer rights, lastly I have reached out to the courthouse and they notified me that they do not share personal information with 3rd parties such as Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
In late XX/XX/2021 our phones and internet service with XXXX failed to work. We spent 2 weeks trying to get the problem fixed. It was not fixed so we cancelled our service. After dealing with XXXX for several weeks on various charges they notified us on XX/XX/2021 that there would be no more charges, then on XXXX XXXX I was charged {$270.00} which was my typical monthly charge. On about XX/XX/2021 I called Synchrony Bank and explained the problem. I was told to fax and fax only, the copies of documents. I did on XX/XX/2021. After not receiving any reply I called in mid XXXX and was told the documents indicated to be not in my favor. I contacted the Massachusetts AG about XX/XX/2021. On XX/XX/2021 I received a notice that the AG office opened my case # XXXX. Today I received a notice from AG office that Synchrony Bank was not responding and referred me to you..

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 2021-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
I've never received any information from Arcadia Recovery Bureau at all. They are reporting on my credit, and it is their job to notify me first for any such intrusion. I have disputed the account multiple times, in multiple ways, demanding that they validate themselves and their willful intrusion into my credit file, they have not responded! They are continuing to violate the laws by reporting the account and they are harming me and my finances! They've caused me extensive damages and I hope they understand that destroying peoples lives is not a game!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: GA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXXXXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2021-10-05 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: GA

Complaint narrative:
I have previously filed a XXXX  complaint against TransUnion and XXXX because of unfair practices. They have repeatedly decreased my score by XXXX or more points when I am PAYING MY DEBT OFF. They continue to blame algorithms, but obviously these are incorrect. It makes absolutely no sense that a person should be punished for trying to eliminate their debt. They claim to give so many tips and tools that consumers can pay for to help improve their scores but when you follow these tips it backfires. My most recent change as of XX/XX/XXXX was decreasing the amount on a credit card by {$370.00} bringing my utilization from 98 % to 56 % and as a result TransUnion decreased my credit score by XXXX points. XXXX takes a few days longer to update but they are typically in sync with one another on changes and results. This pattern of punishment for payments has been taking place all of XXXX and beyond. There are several other instances of similar actions. 

I believe I am being discriminated against by these credit bureaus due to the diligence I pay to my report and my unwavering stance towards ensuring all information on my report is accurate. Additionally, I do not believe my previous complaints were sufficiently investigated to determine a root cause. I believe a side by side comparison of someone of the opposite race with fairly similar credit patterns would show a significant difference if score calculation. Furthermore, I believe there are different algorithms assigned to different demographics or groups of people. As I informed them previously, if their CEO had the exact same change to his credit as I most recently had, his score would sure have not decreased.

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 2021-10-05 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX-Balance {$0.00} XXXX XXXXXXXXBalance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, 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: AR

Complaint narrative:
I have been showing three hard credit inquiries on my credit report with all three major credit agencies including XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, with XXXX credit reporting ... ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, all with Transunion Credit Reporting agency and XXXXXXXX XXXX XXXX, XXXX XXXXl XXXX XXXX XXXX all with XXXX XXXX XXXX XXXX.I have never filled any applications out with these companies nor have I ever provided a authorized signature with any of these companies to run my credit as these need to be removed from each credit agency accordingly and in conjunction with the FCRA.Will you please help me get these removed from all three credit reporting agencies as I did not authorize any of these inquires? Thank you for your help and time in resolving these matters. 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
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, 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: AR

Complaint narrative:
I have been showing three hard credit inquiries on my credit report with all three major credit agencies including XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, with XXXX credit reporting ... ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX with XXXX Credit Reporting agency and XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX all with Experian Credit Reporting Agency.I have never filled any applications out with these companies nor have I ever provided a authorized signature with any of these companies to run my credit as these need to be removed from each credit agency accordingly and in conjunction with the FCRA.Will you please help me get these removed from all three credit reporting agencies as I did not authorize any of these inquires? Thank you for your help and time in resolving these matters. 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
Consumer complaint received 2021-10-05 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To whom it may concern Upon inspection of my credit report I noticed the following personal information is incorrect. 
Please remove the following addresses ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NV XXXX from my credit report # XXXX. 
Those are not my current address. Any previous addresses are undeliverable and i have no access to them. Attached is a copy of Government issued vital record and Utility bill. 

I sent a certified letter to Experian updating my address and they refused to remove XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV 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 2021-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
I have two collection accounts on my XXXX Credit Report that is being reported by a collection agency names Professional Credit Management in XXXX Arkansas that is reporting negatively on my credit report. I have attempted to clarify to the agency that I have never signed a contract with them to pay them any money in reference to this medical debt. I sent them a debt validation letter by certified mail requesting they validate such debt and they responded without the complete paperwork requested to validate the debt at which time I requested the remove these items from my credit file. I was met by the manager of the collection agency XXXX in a very rude and explict way informing me she and the agency would not follow the FCRA guildlines that she didnt give a XXXX about the FCRA and it will remain on my file. XXXX XXXX XXXX claims they sold the debt to them for collection and could not help so i am reaching out to you at FTC for help. This is not only showing a balance which is inaccurate information on my credit report because by FCRA guildlines anything that reports as a collection should not be showing as an open account or a balance. Will you please help me do the right thing and get these items removed from my credit file per FCRA guildlines? Thank you very much for your help solving this urgent matter... ..XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: GA

Complaint narrative:
As a natural person, who is federally protected I did not give this consumer reporting agency written permission to furnish any accounts on my consumer report according to 15 USC 1681 ( a ) ( 4 ). It is an invasion of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Also, according to 15 USC 1681a ( e ) factual information shall not be included on a consumer 's credit record. This consumer reporting agency is in violation of three federal laws. I demanded her to remove the accounts referencing federal laws as a protected consumer exercising my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: MN

Complaint narrative:
I closed on a conventional mortgage with United Wholesale Mortgage ( UWM ) on XX/XX/XXXX. I opted to have my property taxes and home insurance premium included in an escrow account. 

On XX/XX/XXXX XXXX withdrew the XXXX premium from my checking account ( {$510.00} ) based on my auto pay preferences on file. ( XXXX includes a discount ). On XX/XX/XXXX UMW sent a payment to XXXX ( {$530.00} ). XXXX refunded the escrow payment to my checking account. They advised me that I only receive the discount when I pay the premium. I contacted UWM to remove my home insurance from the escrow account. I was advised to wait 6 months and contact them again ( XX/XX/XXXX ). 

I called UWM XXXX ( XXXX ) XXXX on XX/XX/XXXX to request removal of my home insurance premium from my escrow account. I was told that I would have to be reviewed prior to action being taken. The service person returned to the phone to say my request was declined. When I asked why, she said that MN State Law dictates that XXXX XXXX loans do not allow escrow accounts to be change for 5 years from the loan anniversary date. I asked to speak with a supervisor who gave the same reason for denial. I have looked up the explanation in MN State law and it is in there. 

My complaint is that upon reviewing all of my closing documents/disclo-sures, there was nothing citing MN 's law requiring a 5 year waiting period to change my escrow choices. Had I known there was a 5 year waiting period, I would not have opted to have an escrow account for the homeowners insurance. ( I am enclosing pg. XX/XX/XXXX of the closing document " Mortgage '' which addresses Escrow/Loan disclosures [ highlighted in red saying " any time '' ] and is a MN-specific boilerplate form which should have conformed to MN law. Also enclosing pg. 4 of Closing Disclosure addressing Escrow rules and makes NO reference to a 5 year waiting period. 

The Title Company is Legacy Title ( XXXX ) XXXX. I'm not sure if they share in the lack of correct disclosure. 

I also contacted XXXX, as they were requested by UWM to have me sign and return a document that changes the Payer from me to UMW. I was told that XXXX could not bill the discounted amount to UMW. I must sub- mit this form to the XXXX Home Office before XX/XX/XXXX. If this form is not on file, XXXX will not pay UWM 's escrow billing statement, and I will be considered to be uninsured ; UWM can then make me choose an insurance vendor of their choice.

Company response to consumer: Closed with explanation