vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Premier Mortgage Resources, LLC
State: WA

Complaint narrative:
I purchased a home through Premier Mortgage in XX/XX/XXXXXXXX XXXX This property consists of XXXX tax parcels. Taxes were paid on all three from escrow initially, but the remainder of XXXX taxes, and XXXX taxes were only paid on one of them. Premier sold the loan in XX/XX/XXXX ( and it was sold again in XXXX ) and both companies who took over the loan have been paying taxes on all three parcels. 

Besides late fees and interest on the taxes, the property was assessed for taxes this year. I submitted an appeal because the change in taxes was astronomical ( one of the parcels had a XXXX increase in value! ). My appeal was not considered because of the back taxes, and I was not made aware of this until after the appeal period had closed ( this is when I became aware of the back taxes at all ). I lost my opportunity to appeal this obviously incorrect valuation, because of Premier 's failure to pay taxes correctly.

In addition to this, although I arranged Flood insurance through my insurer at the time of purchase, Premier took out their own flood insurance XXXX XXXX  and paid for this through escrow ( as well as the one I arranged ). They did not pay for the renewal of my flood insurance policy in XXXX, instead renewing their own. When they sold the policy, the new mortgage holder informed me there was no flood insurance, and when I tried to reinstate it through my insurer, the FEMA policy price had increased from {$2000.00} to {$10000.00}, because of the lapsed period. The new mortgage holder has taken out their own insurance, so I have not had to pay the $ XXXX, but I would like to return to having a FEMA policy in my own name, through my preferred insurer, but can not without this greatly increased cost, because of Premier 's failure to pay insurance correctly. 

I have tried to address this with Premier directly. When I call, they pass me around/put me on hold for hours while they " look into it ''. If I call back, they have no record of previous conversations, and start to do the same again. They refuse to engage in writing so I can have a record of their communication. I have no option at this point but to escalate this through CFPB. 

Attachments show my escrow statements from Premier and the two companies that have taken over the mortgage this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX 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 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.

TransUnion 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 non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-16 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: NJ

Complaint narrative:
I am writing to formally dispute the accuracy of the information being reported on my consumer report regarding an account with XXXX XXXX. Specifically, I am requesting verification of the original instrument of indebtedness associated with this account, as required under 12 U.S.C. 83, which states that no XXXX XXXX shall make a loan or discount on the security of the shares of its own XXXX XXXX.

Under 12 U.S.C. 83,
financial institutions are prohibited from securing loans or discounts using their own XXXX XXXX as collateral. Therefore, I am requesting the Consumer Reporting Agency to ask the financial institution to provide Proof of the Original Instrument of Indebtedness that supports the validity and accuracy of the debt being reported. 

REQUEST ACTION : I request that the Consumer Reporting Agency take the following steps to resolve this dispute : Verification of Debt : Please request the financial institution to provide valid and legally enforceable documentation, including the Original Instrument of Indebtedness, to confirm that the reported account was not issued in violation of 12 U.S.C. 83. 

Removal of Inaccurate Information : If the XXXX XXXX is unable to provide sufficient proof of the original debt instrument, I request the immediate removal of the account from my consumer report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to ensure the accuracy and fairness of the information reported.

Provision of Supporting Documents : Additionally, I request copies of all supporting documentation used to verify the accuracy of the account information, including any loan agreements, contracts, or financial instruments that prove compliance with 12 U.S.C. 83. 

Compliance with FCRA : As you are aware, the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy in the information contained in consumer reports. Without proof of the original debt instrument, the reporting of this account is both inaccurate and incomplete, in violation of the FCRAs accuracy requirements. 

Please confirm receipt of this letter and provide me with a detailed response regarding the steps that will be taken to verify the disputed account information. I expect a prompt investigation and resolution in accordance with federal law.

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 2024-09-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: WA

Complaint narrative:
I purchased three visa gift cards on XXXX XXXXXXXX XXXX  but the visa gift card was unable to use in multiple stores. When I called the number on the back of the card, I was told that the card was locked to prevent fraud, and the representative opened a case ( case number XXXX ) ; I needed to provide documents to prove my identity and purchase to move forward. On XXXX XXXXXXXX XXXX, I followed the instructions and emailed the required attached document ( original receipts, utility bill for address verification, my government issued photo ID, and front and back of the card ) in color to XXXX, and include the case number in the subject line of the email. But after over XXXX business days, I called on XXXX XXXXXXXX XXXX to follow up the progress, the representative said the case status was still in progress, so the case was escalated, and there would be a follow up within XXXX business days. However, I did not receive any information after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I leased a car in XX/XX/XXXX through a dealership in Arizona. 
There were paperwork issues from the beginging for some reason they filled out the paperwork incorrectly. Once all that was resolved with the dealership and went to NMAC when it was time for renewal with my local state DMV i paid the fees and DMV refused to give me my tags because they said NMAC needs to finalize paperwork on their end. I have been dealing with this since XXXX of XXXX ( look at your call logs NMAC ). I have called almost once a month in beginning and now lately every XXXX weeks. I have a car in my driveway I ca n't drive because it is illegal to drive a motor vehicle with no current registration. I have paid for this car and still not able to drive it. I have escalated multiple times to their management team with XXXX call backs ever. When you call customer care at XXXX they will tell you they will get someone to call you back or call back after 10 days each time. No one one calls back and when I call back its like starting all over or even the smart ones actually do some digging and say oh we see its gone to our registration department but we are waiting on the DMV. I still can't fathom to this day how a big corporation like NMAC cant figure out why I can't get my tags from the DMV because of a paperwork deficiency on NMAC part. Seems like no one there has any clue what is going on nor wants to take any ownership. I am seeking a reimbursement of the time frame of prepaid lease payments from XX/XX/XXXX till I can get some tags in my hand. Current lease ends in XXXX total time my car is sitting right now 3 months. Called again today XX/XX/XXXX spoke to XXXX he explained that they are still waiting on DMV to help fix the problem I questioned why NMAC doesnt have someone that can work with DMV directly. I can't fathom that they don't have a person they can directly contact being they are this big. Regardless they transfer me to senior agent yet again named XXXX and they are going to " investigate '' yet again. XXXX in title seems to keep putting notes that says she calls DMV and shes waiting on a call. How can she not have a point of contact at the DMV or follow up in a timely manner. We started this whole process in XXXX of XXXX. Here we are in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Made an erroneous transfer of {$10.00} ; XXXX to an account listed in my transfers available. I realized my error and called USAA. They said it was an active USAA account and there would be no problem retrieving the funds. They submitted a dispute. The result of the dispute was that it was a good transfer, they contacted the recipient, but could not recover funds and I would have to contact the recipient. I only have the last 4 digits from the account, so all efforts on my part to identify this account have failed. They did tell me it was established in 2005. They refused to give me any other information about the account and said I would need to take legal action to pursue any additional information.After hours on the phone and multiple false promises of additional action, Ive got no indication of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: TN

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

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 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 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 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 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 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 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 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 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 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 explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PROVIDENT FUNDING ASSOCIATES
State: PA

Complaint narrative:
I contacted Provident Funding on XX/XX/XXXX to cancel my Private Mortgage Insurance ( PMI ). They provided a cancellation form indicating eligibility under XXXX XXXX The representative also mentioned I might qualify under XXXX XXXX on XX/XX/XXXX. 

I submitted the cancellation request on XX/XX/XXXX under XXXX XXXX, as it required no additional documents. However, the request was denied due to a loan-to-value ( XXXX ) ratio of XXXX XXXXWhen I inquired about the denial, Provident Funding informed me that I was ineligible for XXXX XXXX because more than XXXX years had passed since the loan origination. Upon requesting more details about any policy changes, they were initially hesitant to provide updated information. 

After escalating the issue, they sent me a revised PMI cancellation form. When asked about the effective date of the policy change, they stated that supervisors received the information on XX/XX/XXXX and communicated it to other associates on XX/XX/XXXX, effective XX/XX/XXXX. 

This timeline seems inconsistent, as I did not receive any prior notification about the policy change. Additionally, their claim that I am ineligible for XXXX XXXX  to close my PMI contradicts their initial assessment. 

I believe I am still eligible for PMI cancellation under XXXX XXXX, as I submitted my request before being informed of the policy change.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ( Bank ) on XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX ( XXXX ) on XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. XXXX XXXX ( XXXX ) on XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2024-09-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/2023 I closed the account with XXXX XXXX XXXX because I got another company with cheap cell phones. I paid at the end everything. Then on XXXX I received a letter supposedly from XXXX XXXX XXXX and when I called there are a man with XXXX XXXX ask me to paid immediately the bill, and when I asked him why because I didn't owe any to the company he hung off of me. Then I continue receiving phone calls from them. But was the same person. On XX/XX/2023 I called XXXX XXXX XXXX because I received another letter, the company told me my account was closed on XX/XX/2023. XXXX balance I asked the person if the can send a confirmation email and the supervisor send it to me then ; they continue with the phone calls and when I send I don't have any balance to pay they almost force to me to get the payment, after one year now I received a letter from I.C. System Inc Debit collector agency charge me an amount for XXXX XXXX XXXX, when I called them I spend hours to try to reach them and they are not answer. 
I didn't own the amount they said I have emails and confirmations from the XXXX XXXX XXXX company I didn't have any balance when I closed the account.

Please help to stop this fraudulent issue. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief