vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
In XXXX XXXX, my lot loan mortgage was sold to Select Portfolio Servicing , Inc . I have had this lot since XXXX which the loan has been sold several times and never required homeowners insurance. This property is a tiny XXXX piece of land with no dwelling. Upon SPS obtaining this loan, they started sending letters in XX/XX/XXXX advising that homeowners insurance is required. I started reaching out to them immediately! I have called and written many times since the initial letter in XX/XX/XXXX and I keep on getting the same response even up to my last reach out at the end of XXXX, We are reviewing the documentation still. They promised me that it will be reviewed and a resolution will be provided. As of today, XX/XX/XXXX, no resolution has been provided. No one will tell me what the holdup is or what I can do to help provide needed documentation to prove there is no dwelling. Now the bank XXXX XXXX placed insurance on my mortgage payment and I am stuck paying for insurance which is not required. I dont know what else to do? I have provided the tax bill showing no assessment on a dwelling, property card from the county and a copy of the initial loan rider showing its a lot loan. They never told me what I needed to provide. I just sent it. I have no idea what they need. Please help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Kindly take the time to thoroughly review the attached documents. It's important to carefully examine these materials to ensure a comprehensive understanding of the information provided. Your attention to this matter is greatly appreciated.

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint : In accordance with the Fair Credit Reporting Act, I am writing to address several issues concerning the accuracy of information on my credit report. The following accounts have validated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 

DEPARTMENT OF EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( two entries ) XXXX ( duplicate entry ) Action Requested : Reinvestigate the completeness of every piece of information and remove any inaccuracies from my credit report. 
Legal Basis for Complaint : 15 USC 1681 Section 602A : Protects my right to privacy. 
15 USC 1681 Section 604 ( 2 ) : States that a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681c ( a ) ( 5 ) : No consumer reporting agency may include adverse items of information that are over seven years old, except records of convictions of crimes. 
15 USC 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate. 
15 USC 1681i ( 5 ) : Requires the treatment of inaccurate or unverifiable information by deleting or modifying the item and notifying the furnisher of the information. 
15 USC 1681s-2 : Prohibits furnishing 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. 

Resolution Sought : I request that you reinvestigate the completeness of every piece of information related to the aforementioned accounts. If any information is found to be inaccurate, I request its immediate removal from my credit report. Please ensure compliance with the outlined sections of the Fair Credit Reporting Act and notify me of the actions taken to rectify these issues. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX has the account listed as unpaid with a balance of XXXX but it is paid XXXXXXXX XXXX XXXX XXXX is a fraudulent account that I have no knowledge of XXXX XXXX XXXX XXXXXXXX is a fraudulent account that I did not authorize and it is unverifiable XXXX XXXX is also a fraudulent account please delete as such

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 2024-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX has the account listed as unpaid with a balance of XXXX but it is paid XXXXXXXX XXXX XXXX XXXX is a fraudulent account that I have no knowledge of XXXX XXXX XXXX XXXXXXXX is a fraudulent account that I did not authorize and it is unverifiable XXXX XXXXXXXX is also a fraudulent account please delete as such

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-27 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX has the account listed as unpaid with a balance of XXXX but it is paid XXXXXXXX XXXX XXXXXXXX XXXX is a fraudulent account that I have no knowledge of XXXX XXXX XXXX XXXXXXXX is a fraudulent account that I did not authorize and it is unverifiable XXXX XXXXXXXX is also a fraudulent account please delete as such

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 2024-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: CA

Complaint narrative:
XXXX ( approx date ) Called Sallie Mae to try and resolve repayments. Was sent to a loan specialist to give my information and the best they could say was try and make payments when you can we dont report to the credit bureau until 60 days. I asked about forbearance and they stated my loan was not eligible without giving me any criteria on why. Informed them multiple times that I could not pay, I was going through economic hardship. Unsympathetic to my concerns and passed it off. Made payment arrangements for {$230.00} to try and pay my loan down but at the third month I did not have the funds and they called me on XX/XX/11 to tell me I wasnt in the program anymore. 

XXXX Let the representative XXXX know I couldnt not afford payments at this time and once again asked for a forbearance. I was told I was ineligible without any documentation or evidence. Told her I could afford {$25.00} and she remarked I asked for a {$35000.00} loan and {$25.00} wouldnt cut it. Proceeded to tell me about her daughter which did not pertain to me. Repeatedly told her I couldnt pay and needed a forbearance. Was repeatedly shut down. Told her it would have to go delinquent as they are giving me no choices for repayment or forbearance even when it stated that they have that option. Asked to speak to higher up and repeatedly denied. Hung up. 

XXXX : They have been calling my family and people I no longer affiliate with asking about my whereabouts after I told them that I would not speak with them. They are being of no help at all to help me in my hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: TX

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-27 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: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity on my report, please remove these accounts from my report they are removing my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: TX

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and 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 reported in MONTHS REPORTING LATE to be removed 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. 

This company 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: TX

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and 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 reported in MONTHS REPORTING LATE to be removed 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. 

This company 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! 

Delete 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
Consumer complaint received 2024-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: VA

Complaint narrative:
I ordered a cash card, when it got to me, I tried to activate it, it wouldnt let me. They have been giving me the run around for the past year or so. I need to re order a new card and account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity on my report, please remove these accounts from my report they are removing my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 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: CA

Complaint narrative:
Stress is inevitable but when you have a company that is continuously reporting inaccurate, unverified information, it really is something you can not avoid. It deeply damages me mentally that I can no longer afford to take care of myself.

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 2024-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX I purchased a certified pre-owned vehicle from my closest Toyota dealership. At that time, I purchased a 7-year extended warranty Vehicle Service Agreement offered to me for Mechanical Breakdown. Within the 30-day full refund window, I decided I no longer wanted the warranty and called the Toyota dealership . They told me the financial manager was on vacation, a form needed to be signed in person to cancel and that I would receive a call to schedule an appointment. I did not receive a call and followed up, and was not able to receive an appointment in person with the financial manager until XX/XX/XXXX, two months after my vehicle purchase date. Therefore, I was no longer in the 30-day full refund window for the warranty, and would receive a pro-rated refund. In the meeting, I signed and dated the Agreement Cancellation Request, along with the Toyota Financial Manager, and made sure to receive a copy of the paperwork. I was told this would be faxed to Toyota Financial Services and would see the refund reflected to my principal balance in my online account.

This never happened and I called repeatedly both the dealership and Toyota Financial Services only to be either promised a call back or waiting on customer service lines only to be redirected to another service line with Toyota.

All the while, making my payments on time and paying interest for two years on a balance that did not reflect my warranty refund that I repeatedly asked to cancel since XXXX 

Finally, in XX/XX/XXXX, I was able to connect with a customer service representative via a submitted claim at the dealership who told me that too much time had passed for them to help me and that I would have to go through Toyota Financial Services. I spent countless hours on the phone with Toyota Financial Services and was finally told that I could send a fax of the copy of the paperwork to receive a refund from the time the paperwork is dated, XX/XX/XXXX. 

I was told that this could take up to 30 days to process, and I will therefore have another payment in this waiting period where I will pay more in interest due to the balance not reflecting the appropriate amount with my cancellation. Toyota told me they would not reimburse me for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: E Mortgage
State: VA

Complaint narrative:
I applied for a mortgage refi in XX/XX/XXXX. I was promised an interest rate of XXXX in the beginning but by the time the papers were to be signed it was changed to XXXX. I was talked into this by the mortgage rep promising to refinance the loan after XXXX  months of payments. I am now going to be making my XXXX payment in XX/XX/XXXX. I have contacted the company and more or less been put off. I allowed myself to trust this individual because of the desperation and the promises that were made. Secondly I approved the appraisal for XXXX but when the appraiser came he didn't want to go under the house to take pictures so he didn't. Then I was told he had to come back and take the photos. I initially approved the XXXX on my credit card but then they charged XXXX more to my card for him to come back. If he didn't want to go under the house nobody was stopping him I don't feel that I should have had to pay more without my consent.I asked the mortgage rep about a refund and never got it. I have lived in my house for 68 years. These paymentsXXXX are double what I was paying before. I feel I was taken advantage of and the whole process was a lie from the beginning. I voiced my opinion that I couldn't afford this but he made it seem so simple. It's not. I recently had XXXX and have to be out of work for XXXX  days maybe more with no money. I need to know what can be done. I am tired of struggling. The mortgage company was EMortgage.I feel that people my age get treated unfairly.Be careful

Company response to consumer: Untimely response
Consumer complaint received 2024-06-27 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: MO

Complaint narrative:
My account with ( XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in ( MONTHS REPORTING LATE ) to be removed. 

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 XXXXXXXX ) 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX {$160.00} I have notified American Express that I am not paying this account. Under Federal Law 15 USC 1692c, American Express and XXXX are required to delete this collection. They have not deleted yet.

Company response to consumer: Closed with explanation