vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX and I believe that you have on file XXXX XXXX consent to speak with me regarding her account. I spent a great deal of time last night on the phone with one of your supervisors, XXXX, regarding this account and I think we have been given incorrect information. 



I

was told last night that when the servicing of this loan was transferred to you, it was transferred without a line for taxes to be escrowed, only insurance. Not sure whos mistake that was and no one seems to be able to tell me since this loan was escrowed for both taxes and insurance until it was transferred to you. The escrow account was not analyzed after transfer until XX/XX/XXXX when you sent the borrower a check for overage but did not inform her that you were no longer collecting for taxes. Then in XXXX XXXX XXXX you received notification that the taxes on the property were delinquent and you paid them. Again, no escrow analysis was performed and the borrower was not notified that taxes were not being collected. Another year went by and you were again notified that the taxes had not been paid, so you paid them again without notifying the borrower that anything was wrong. It wasnt until XXXX XXXX XXXX that you reanalyzed the account and notified the borrower that her escrow account had a HUGE shortage in it and you were increasing her payment from XXXX to XXXX, an increase of over 50 %. 



When I spoke to the supervisor last night I was informed that CFPB regulations prohibit spreading an escrow shortage over more than XXXX  months, this is not true. I was also told that XXXX XXXX could make principal and interest only payments and send in whatever she could afford extra to put towards the shortage and would not be considered delinquent on her account, this also is not true. XXXX XXXX attempted make the P & I payment last night while we sorted out this mess and the payment was rejected by the system because it was not the full amount due. 

XXXX XXXX understands that the taxes had to be paid and that the escrow shortage has to be repaid but can not pay the shortage over such a short period of time. Im sure that we can come to some type of agreement to spread the shortage over XXXX months for her considering the circumstances. Please advise how you would like to proceed as soon as possible. If we can not come to an agreement, my only other advise to her is to contact the CFPB and file formal complaints and seek the advise of a real estate attorney. Please copy me on all correspondence to the buyer until this matter is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
cease reporting per XXXX XXXX letters attached

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 2024-02-27 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: IL

Complaint narrative:
Between XX/XX/2020 and XX/XX/2020, I paid my XXXX XXXX, balance in full. XXXX XXXX sent me a letter regarding my payment and my account status being up to date, and they would be reported as such. 
XXXX XXXX failed to update my accounts status to the credit bureaus and they are reporting the payment history still incorrectly. 

I have disputed the accounts. I have reached out to XXXX XXXX via phone to dispute and request a 1099c account. They referred me to a collection account.

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 2024-02-27 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: IL

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I paid my XXXX XXXX, balance in full. XXXX XXXX sent me a letter regarding my payment and my account status being up to date, and they would be reported as such. 
XXXX XXXX failed to update my accounts status to the credit bureaus and they are reporting the payment history still incorrectly. 

I have disputed the accounts. I have reached out to XXXX XXXX via phone to dispute and request a 1099c account. They referred me to a collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: IL

Complaint narrative:
Between XX/XX/2020 and XX/XX/2020, I paid my XXXX XXXX, balance in full. XXXX XXXX sent me a letter regarding my payment and my account status being up to date, and they would be reported as such. 
XXXX XXXX failed to update my accounts status to the credit bureaus and they are reporting the payment history still incorrectly. 

I have disputed the accounts. I have reached out to XXXX XXXX via phone to dispute and request a 1099c account. They referred me to a collection account.

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 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my credit report and noticed unauthorized inquiries on my credit report and contact TransUnion the inquiries and dates are as follows 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  I have submitted a ftc report, report number XXXX TransUnion is making it extremely difficult to resolve and remove these unauthorized inquiries. And violating my consumer laws in the process

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 2024-02-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
providing my personal information to third party agencies without my consent and permission in writing.

I have not contract with them and do not owe the amounts stated.

The 3 yr debt collection statute has passed in the state.

Willful negligence to continue sharing my personal private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: Self Financial Inc.
State: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for SELF XXXX XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account SELF XXXX XXXX XXXX XXXX XXXX Last XXXX digit SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
Claim was denied in 6 days, and no information was given on why it was denied even though I asked them numerous times for it Arrived in XXXX XXXX this past month, was going to the ATM and was confronted by XXXX XXXX XXXX They forced me at XXXX XXXX  to give them my wallet and phone, basically everything with me. They then had me take them to my XXXX where they held me XXXX that week while they emptied my bank account. Once I arrived back to the USA, I reported everything to my banks/credit companies. Every company felt sorrow and compassion for me and was able to get reimburse for the lost money. Only one company denied my claim which was Current Bank. Its basically saying I should have not given them my pin and XXXX  over this. I feel like they dont care what even happened honestly. I feel like my life would cost more but they didnt. They denied the claim so quickly I was shocked. It was really disappointing and frustrating that I almost XXXX and my own bank I use doesnt even care.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: FL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: Experian Information Solutions Inc.
State: FL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-02-27 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: PA

Complaint narrative:
I am a victim of identity theft i submitted all the necessary documents regarding the account XXXX XXXX on my consumer report. This account was once deleted due to identity theft but now it has reappeared.

15 USC 1681 c-2 Block of Information Resulting from Identity Theft states, ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

I ask that you govern this issue and demand this company to block and delete this account from my consumer report as the law states.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
FERPA Laws were broken and I was not aware my information was sent to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: KY

Complaint narrative:
I want to get an apartment but my credit is not high enough to get approved to the apartments that I have applied to. In accordance to the fair credit reporting act this creditor has violated my rights under USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late under any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: KY

Complaint narrative:
I want to get an apartment but my credit is not high enough to get approved to the apartments that I have applied to. In accordance to the fair credit reporting act this creditor has violated my rights under USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late under any purpose.

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 2024-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GMA Investments, LLC
State: TX

Complaint narrative:
I received a call on XX/XX/XXXX from XXXX XXXX ( XXXX ) XXXX stating he was with XXXX XXXX and they were going to take me to court gave me phone number to contact company ( XXXX ) XXXX case XXXX. He then called me XX/XX/XXXX being rude saying he was going to contact my employer I told him to please stop harassing me and if he made contact with me why call my employer? 
I called the company named Summit they said I was being sued for XXXX allegations on a debt owed for XXXX XXXX from XXXX I asked to please give me more information they said no I should know what I owed, I told them its XXXX I do not know : asked for contract they said no and demanded a payment in full for {$4600.00} now I keep receiving harassing calls from XXXX XXXX, when I ask to speak with a supervisor he was very rude and continued to harass me

Company response to consumer: Untimely response
Consumer complaint received 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my deep disappointment regarding the accuracy of my personal information in your records. As a valued customer of your organization, I expect that my information is maintained with the highest level of precision and attention to detail. It is imperative that the necessary steps are taken to promptly update your records with accurate information. Failure to do so may result in legal action, as inaccurate data can have significant consequences on both my records and credit report. I trust that you understand the importance of this matter and will take immediate action to correct the inaccurate information without any delay. 

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 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely 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 non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
Im in forbearance and never asked to be. I have autopay set up and these months arent counting towards my PSLF. I requested that they correct my account so Im not in forbearance. There is no way for me to make payments. The response I got was a letter saying my loans were, and still are, accruing interest. I cant get them to actually answer my messages or a phone call. I should be done with PSLF but now I have to wait. This forces me to continue teaching even if I didn't want to in order to be eligible for PSLF. Their credit reporting is also inaccurate, negatively impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
According to FCRA 605B, incorrect accounts should be removed from reports. Could you review the documents? The accounts on my report are incorrect, and it's making me feel upset and unwell.

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 2024-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. I did not give consent to these accounts Or permissible purpose. I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 
DELETE THESE ACCOUNTS : Original creditor : XXXX XXXX XXXX XXXX, Account Type : Collection, Date opened : XXXX XXXX, Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX, Account Type : Auto Loan, Date Opened : XX/XX/XXXX, Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX, Account Type : Credit Card, Date Opened : XX/XX/XXXX, Account number : XXXX Please remove account. 
Original Creditor : XXXX, Account Type : Charge Card, Date Opened : XX/XX/XXXX, Account number : XXXX Please remove account. 
Original Creditor : XXXX XXXX XXXX XXXX, Account Type : Credit Card, Date Opened : XX/XX/XXXX, Account Number : XXXX  Please remove account. 
Original Creditor : XXXX, Account Type : Credit Card, Opened : XX/XX/XXXX, Account Number : XXXX Please remove account. 
UPDATE FOLLOWING ACCOUNTS TO ZERO DAYS, PAID ON TIME, PAID IN FULL as there was a billing error.

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