vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
This is in reference to complaint # XXXX. Where SPS states that the mortgage payment of {$780.00} does not include Flood Insurance. 
In correct it does. I have attached several documents that prove that SPS is charging me for Flood Insurance. If you go to Table 3 you will see the property taxes for XXXX which are {$160.00} Plus the payment of {$560.00} which is Principal and Interest. bring the total mortgage payment to {$720.00} as seen on SPS History spread sheet from XXXX. 
Then on XX/XX/XXXX SPS starts charging me {$780.00}, when I asked they stated it was due to Property Taxes going up. Incorrect! the Property Taxes from XXXX ( {$160.00} ) to XXXX ( {$160.00} ). As seen again on table 3 and Table 4. so if you add {$560.00} + $ XXXX {$720.00} which is correct for the monthly mortgage payment. 

Now for XXXX you add $ XXXX XXXX XXXXshould now be the monthly mortgage payment. So if you take {$720.00} - $ XXXX {$55.00} difference. Which by the way when you add $ XXXX $ XXXX {$780.00} which means SPS is adding Flood Insurance to the monthly statement. 

Which clearly shows that SPS has to adjust my monthly mortgage payment from {$780.00} to {$720.00}. because to reach the payment of {$780.00}. Look at page where it states SPS flood Ins policy {$1800.00} for 12 months, which will then be the difference of {$55.00} per month. 

so how SPS state that {$780.00} is correct. When based on their XXXX paper work it states it cimpletely different???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX  XXXX  # XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX. Account XXXX : XXXX  # XXXX, Account XXXX : XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-02-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear, Equifax Re : Victim of identity theft To whom it may concern these inquires in my credit file or report are from unauthorized use of my social security number and card. i did not authorize these inquires to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. This letter was not sent in error or a misrepresentation. Your company must follow the proper procedures to make sure this get deleted in the time frame it state. 
1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
Sincerely yours, XXXX XXXX Enclosures : Proof of identity, FTC identity theft report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
On XXXX, XXXX, XXXX of 2024 ( last week ) I used loan payoff instructions provided by my lender, at their web site, mrcooper.com ( Nationstar Mortgage dba Mr Cooper ) to pay off my loan. After the first payment was rejected I worked with my sending bank to ensure that I had typed everything correctly and that the wire was sent. They assured me that the wire was received at Mr Coopers bank but inexplicably sent back with no reason or explanation. I then called Mr cooper and was advised to try again. I did so, this was also accepted and then sent back the same day. After a number of hours on hold and on the phone with Mr Cooper, I tried a third time on XXXX. This was also sent back. At this point, I have a case number from the lender, but have received no response. Additionally, interest is accruing that I should not have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian XX/XX/year>, and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. THEY ARE BREAKING FEDERAL LAW. 

According to 15 USC 1681 e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the file of the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681 S-2 it states this ( A ) Reporting information with actual knowledge of errors a person shall not furnish any information relating to a consumer to any consumer reporting agency if that person knows of has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to aa consumer reporting agency if - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, Inaccurate This is unfair and if the are doing this to me imagine who else they are doing this to. 
CAN YOU FIX IT

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 2024-02-10 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: Westcreek Financial
State: PA

Complaint narrative:
These two companies have shared inaccurate and unauthorized information to 3rd parties with no consent from the creditor which is very illegal, tarnishing the image and reputation of another without consent will harm other potential business relationships

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: VA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and I've been receiving letters stating I'm using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: EQUIFAX, INC.
State: DC

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ). 
1. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and Equifax XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Account inaccurately reported. Account number is different from other bureau. Also Past Due of XXXX in a collection/chargeoff account. This is inaccurate reporting and misleading. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ..promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2024 I sent out a letter to TransUnion about inaccurate and incomplete information on my credit report.i asked to see original documents from those companies with my signature on it to verify the accounts or delete them immediately..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and I've been receiving letters stating I'm using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Call took place on XX/XX/2024 @ XXXX est - XXXX est I received a fraud text so I called the fraud department at XXXX Spoke to XXXX ( refused to give me her last name ) She helped me verify my transactions and found that there was one unauthorized transaction so she explained to me that my card will be closed and that a new one will be sent to me. 

I said that is fine but is there any way she can allow me to make an atm withdrawal as I needed cash at that moment and then she can close it right after I make a withdrawal. 

Her exact response was I already closed your card, you shouldve let me know before the card is closed I asked her can you reopen so I can take some cash out? I need money. 

In a very condescending tone, she said theres no way to do that the system wont allow me to do that, you can go to a branch with your ID and take money that way but again, I needed cash now. 

She was not showing any compassion towards my situation at all and the cherry on top was, SHE HUNG UP ON ME! 

I called the same phone number back and got XXXX, or XXXX  and he was able to reopen my card for a minute and I was able to withdraw funds with no issues. 

With customer service skills like XXXX, she belongs at a XXXX XXXX, not dealing with peoples sensitive financial matters. 

This is who you have representing your company. Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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. I was not notified in the time frame. 
1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. FDCPA section 807 violation misleading false reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
4. This account is INVALIDATED for it is no longer reported in XXXX and Equifax. The way it is reported is INACCURATE and a CLEAR violation of my FCRA rights. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: NY

Complaint narrative:
I reviewed my credit report and noticed accounts that I did NOT authorized in my credit report and its preventing me from receiving new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
{$2000.00} Over XXXX XXXX  XXXX XXXX Not Mine Prepaid Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My interest rate has gone up from {$19.00} a month to {$99.00} a month. Minimum payment is {$130.00} and interest rate is {$99.00}. 
What is going on and can you fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: MI

Complaint narrative:
Lenders parent company ( Wheels financial ) has previously been prosecuted by former State of XXXX  Attorney General XXXX XXXX for exploiting legal loopholes in order to larcenously extract much-needed resources from indigent American citizens. 

State Attorney General XXXX had previously stated in 2016 that any online lender attempting to repossess your car is in fact stealing your vehicle : repossession attempts for contracts of this nature were deemed unenforceable by the State of Michigan Attorney Generals Office. ( https : XXXX ) Twice-a-day harassing phone calls with threats of repossession and claims that I have broken the promise No modified payment plan with modified interest rates were presented as an alternative to repossession ; hard threats of repossession made, leading to psychological damage in the form of extreme fear of loss-of-livelihood as a DoorDash food delivery driver Lender is enforcing a 95 % + XXXX, which is an inherently abusive business practice intended to XXXX the indigent of their seriously-limited resources Lender took physical possession of my car title, which is unlawful in the victims home state of Michigan Lender ( Parent company is Wheels Financial ) has a long documented history of preying on those in an extremely desperate financial situation. 

A company that is similar to XXXX XXXX XXXX XXXXXXXX XXXX, the owners of Liquidation were prosecuted in court for larceny by false pretenses and were given prison sentences for their involvement in their criminal enterprise

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have filed a dispute with XXXX. There is an account on my credit report from MIDLAND CREDIT MANAGEMENT on behalf of XXXX XXXX  that is 9 months old in the amount of {$900.00}. In 2023 I was studying abroad in XXXX ( XXXX, XXXX ) as part of FIUs study abroad program. There is no way this account belongs to me as I did not apply for any credit in XX/XX/year>. Nor did I receive any. I also have paid off all my creditors from the past. This information needs to be removed as flagged as identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : FST XXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX. Account Name : XXXX # XXXX, Account Name : XXXX XXXX  XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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