vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
We bought our current house in XXXX XXXX  XXXX and put down 5 % knowing that once we sell our old house we would be able to do a loan recast/recalculation to remove the PMI since we knew once the money would transfer we would own more than 20 % of the value of the house. The original loan value was {$490000.00}. Purchase price was {$520000.00}. It appraised at {$520000.00}. 

We started the recast process in XXXX XXXX  XXXX. On XX/XX/XXXX we transferred {$290000.00} to Specialized Loan Servicing LLC ( SLS ) to cut our mortgage in half, which in turn would remove the PMI. ( See attachments ) It took SLS until the beginning of XXXX to complete the loan recast. On XX/XX/XXXX the loan value went down to {$190000.00}. 

On XX/XX/XXXX I sent an electronic letter asking how to have PMI removed and also if they could reevaluate the escrow being collect as my calculation showed they were overcharging for county taxes. They replied back that the loan did not have PMI and the escrow would be reassessed in XXXX. ( See attachments ) In XXXX XXXX  XXXX I noticed we were still being charged PMI. 

On XX/XX/XXXX I sent a letter asking for PMI to be removed and to repay back each month that PMI was collected after the date the account hit the 20 % mark. I made reference to the Homeowners Protection Act of 1998 stating that PMI must be stopped once the 20 % value of the property is hit and any extra payments should be paid back. Their reply back was that they will stop PMI 30 days after receiving the letter per law. They did refund the over escrow amount in XXXX XXXX  XXXX but not the over charged PMI. 

I made another attempt on XX/XX/XXXX to ask if they will refund the over collection of PMI. I again stated from The Homeowners Protection Act of 1998 that PMI should be stopped when the mortgage reached the 20 % mark and should be paid back. Their reply again was to deny repayment and they were not obligated by law to stop PMI payments unless asked. 

I was charged on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was charged {$86.00} for the PMI despite having more than 20 % in equity. The concerning part is they charged PMI a second time in 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 2023-08-10 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: FL

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-08-10 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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a letter to the XXXX XXXX  to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX XXXX OF 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 2023-08-10 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: OH

Complaint narrative:
I set up an account with Transunion, XXXX and XXXX so I can look at my credit report on scores online, and after a few days Transunion and XXXX is saying i have the wrong log in. XXXX says my file is blocked and just shows null on every page. I have made countless attempts to contact someone but the numbers send me into a loop and then hang up on my. I have sent them a letter about this problem and received no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
In accordance with the fair credit Reporting act Capital One/WALMART, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: FL

Complaint narrative:
The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-08-10 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:
The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have noticed that capital one has illegally reported my account with the CFPB. And this is reflecting on my credit score. I would like for this account to be removed from showing on my credit score.

15 U.S. Code 1681- Congressional findings and statement of purpose 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax Credit Bureau, has a lot of incorrect address information listed on my report, including multiple incorrect addresses, which lists address information for when A. ) I was in a XXXX XXXX XXXX in XXXX, TN. ( Standifer Gap address ) B. ) Addresses I lived at temporarily before being sentenced to adult XXXX  XXXX XXXX Equifax also has an incorrect spelling of my name, my name does not include an " XXXX '' in it. 
I've contacted Equifax once and attempted to repair the information to no avail. 
I wish to mention that, I am not aware of any statute in which a XXXX, or a XXXX XXXX XXXX  is granted any credit reporting or any form of line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I had a repo on XXXX XXXX the vehicle was sold recently but Im being charged for the prior interest rate on the vehicle which I dont think Im responsible for. I only had the automobile for 4 months. How could I be responsible for interest ket alone they took the money for all the warranties I had and charged me for XXXX fees. I dont believe I owe them anything. I put down about {$15000.00} dollars with the transfer of my prior warranty and {$3000.00} cash on a XXXX vehicle. It just doesnt seem right to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: NC

Complaint narrative:
In accordance with the Fair credit reporting act this creditor has violated my rights. Under 50USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under and open a consumer credit plan as late for any purpose. Under 15C USC 1692G section 809 B creditor failed to validate a debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: CA

Complaint narrative:
I am writing to dispute the following information on my credit report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The accounts were discharged because the creditor filed a 1099-C form with the IRS, indicating that the debt was canceled and reported as income. Therefore, this account should not appear as unpaid or delinquent on my credit report. I have enclosed a copy of the 1099-C form as proof of discharge. Please investigate this matter and update my credit report accordingly using the Metro 2 format and in compliance with the consumer law from the USC, Title 15, Chapter 41, Subchapter V.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: CA

Complaint narrative:
I am writing to dispute the following information on my credit report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The accounts were discharged because the creditor filed a 1099-C form with the IRS, indicating that the debt was canceled and reported as income. Therefore, this account should not appear as unpaid or delinquent on my credit report. I have enclosed a copy of the 1099-C form as proof of discharge. Please investigate this matter and update my credit report accordingly using the Metro 2 format and in compliance with the consumer law from the USC, Title 15, Chapter 41, Subchapter V.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
CARECREDIT/Synchrony ... XXXX, XXXX, XXXX, XXXX, and XXXX, each year I would schedule all payments for the following/current year in XXXX, XXXX or XXXX. Emails and screenshots are attached. My payment due was maybe {$25.00}, but I scheduled {$50.00} payments on the XXXX of each month for the entire year, XXXX - XXXX. XXXX of XXXX, I did the same and scheduled {$50.00} payments on the XXXX of each month for XXXX - XXXX, which is all the system allowed indicating there wouldn't be a payment due after XXXX and this would pay this off in full. XX/XX/XXXX, they contacted me and advised that I missed a payment. My response was how could I miss a payment, when I had paid all your system would allow me to pay, which would bring my balance to XXXX. I have been paying {$50.00} a month, twice the minimum payment for over 5 years. That was a glitch in their system and they weren't going to charge me a late fee. I immediately paid them {$50.00} on XX/XX/XXXX. They contacted me again and I paid them another {$50.00} on XX/XX/XXXX. So, I paid them {$100.00} for a balance that was to be XXXX per their system. Their system allowed me to schedule all of the payments and stopped at XXXX of XXXX. Then they say I missed a payment that their system didn't allow me to pay, which would have been my last payment that their system didn't allow me to pay and then apparently they added late fees or something and I scheduled XXXX additional payments for a glitch in their system that they weren't going to charge me for. I saw this on my report and contacted them to resolve the issue that was clearly their fault. Their agent filed something for review with them in XX/XX/XXXX. All they did was add this back to my credit report as if it was new charges and labeled as a charge off effective XX/XX/XXXX. Synchrony has some unsavory business practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This issue is a current investigation. Complaint # XXXX. There are several inaccuracies listed on my credit report and my consumer rights are being violated under the Fair Credit Reporting Act ( F.C.R.A. ), F.D.C.P.A., and my character is being defamed.

These accounts were not validated. If your agency/ company fails to respond to this debt validation request within a period of ten ( 10 ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.

15 U.S.C. 6802 ( a ) a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S.C. 6802 ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless that financial institution provides the consumer with three disclosures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This issue is a current investigation. Complaint # XXXX. There are several inaccuracies listed on my credit report and my consumer rights are being violated under the Fair Credit Reporting Act ( F.C.R.A. ), F.D.C.P.A., and my character is being defamed.

These accounts were not validated. If your agency/ company fails to respond to this debt validation request within a period of ten ( 10 ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.

15 U.S.C. 6802 ( a ) a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S.C. 6802 ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless that financial institution provides the consumer with three disclosures.

Company response to consumer: Closed with non-monetary relief