vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I have a credit card account XXXX ( please refer to my XXXX Credit report attached below ) in my name with XXXX and XX/XX/2022 I notice my credit score drop by several points. I started to research what has changed and noticed my outstanding available credit was greatly different from the prior month on my XXXX credit report for Experian than from XXXX and then compared the two report and noticed my opened XXXX credit card account was no longer reporting to my Experian credit report. It continues to report to XXXX and XXXX. I called XXXX several times regarding this issue in XXXX and was told to that they are reporting the card to Experian and it's an issue in their system and wait until the XXXX to see if it reports since I did report that the card was stolen the end of XXXX I believe. I also called Experian and was told they will begin to report the new card number in XXXX. The card still isn't reporting as of today and when I speak to XXXX they direct me to contact Experian and when I speak to Experian they direct me to speak with XXXX. I have paid my bill on time since have the account for two years and attempting to close on a home in XX/XX/2022 so this is impacting me tremendously and would like to get this matter resolved.

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 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Summary of Complaints : 1 ) My mortgage servicer Mr. Cooper incorrectly debited an extra {$1300.00} from my escrow account. 
2 ) An inaccurate escrow analysis resulted in an excessive increase in my monthly escrow payments. 

Details : On XX/XX/2022, Mr. Cooper debited {$1300.00} from my escrow account as a disbursement to my insurance company XXXX XXXX. However, this payment was never recorded on my insurance account. I spoke with my insurance agent on XX/XX/2022 and she informed me that Mr. Cooper had sent Foremost a single batch payment ( which included payment for my account and for other unrelated Mr. Cooper customers ) and this batch payment did not include any identifying information such as names or account numbers. She reported that this batch payment had been returned to Mr. Cooper and that Mr. Cooper was aware of their error. 

To avoid a lapse in insurance coverage, I called Mr. Cooper on XX/XX/2022 and explained the situation. The agent issued a duplicate payment of {$1300.00} which was successfully received and applied to my XXXX account. Mr. Cooper debited this duplicate payment of {$1300.00} from my XXXX account on XX/XX/2022 but failed to credit my account for the first returned payment made on XX/XX/2022. 

On XX/XX/2022, Mr. Cooper performed an escrow analysis using two incorrect values : 1 ) My escrow balance was {$1300.00} lower than it should have been and 2 ) my annual insurance premium was incorrectly calculated as {$2700.00} instead of {$1300.00}. I estimate that this miscalculation caused an additional $ XXXX ( $ XXXX months ) shortage payment that I am now being charged. 

I contacted Mr. Cooper in writing on XX/XX/2022 to explain the situation. The attached response promised an investigation but the service ticket was closed and no action has been taken to correct these errors. When I asked for a timeframe for resolution on XX/XX/2022, none was provided and my request was closed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Due to the increasing prices of homes, I figured out that it was very likely my loan-to-value ratio had reached the 78 % threshold required to remove private mortgage insurance ( PMI ). I currently pay {$79.00} per month for PMI. I contacted my mortgage company requesting to remove PMI. They sent information back, asking me to complete the paperwork and mail a {$150.00} non-refundable check to request a broker 's price opinion ( BPO ), which we did on XX/XX/2022. The documents they sent indicated that I would hear from the company within 10 days of receiving the information. 

Several weeks go by and I decide to reach out on XX/XX/2022 to see what is going on. I realized they cashed our check on XX/XX/2022, which means they received our letter and we should've been contacted early XXXX. I spent an hour on the phone, being passed between 4 different call center employees trying to figure out the issue. The last representative I spoke to told me she would call me back tomorrow morning with more information. When I called the next day ( since she never called ), I learned that is not appropriate procedure for their company - individual call center employees should never be contacted customers directly. So she basically lied directly to my face in an effort to get me off the phone. 

I call again on XX/XX/2022 and the call center employee tells me the department that handles PMI cancellation requests never received our documentation. I tell him that's impossible since they cashed the check 8 days after it was sent. He tells me I never included the requested information ( two signatures ), which is impossible because that's what I sent with the check. Additionally, if they didn't receive enough information, did they just plan on keeping my {$150.00} check with no follow-up? Nobody contacted me between XX/XX/2022 and XX/XX/2022. 

I am still trying to get PMI removed from my monthly payment, as I am confident my home value is well below the 78 % XXXX ratio threshold. It's very frustrating to need to spend several hours throughout the week playing phone tag and going through call center stall tactics. This is now two months worth of PMI I have been forced to pay due to poor business decisions by Freedom Mortgage. Understandably, the housing market is likely causing a lot of people to request cancellation of PMI, which is likely why this mortgage company is doing everything they can to dance around federal PMI laws.

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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In reviewing my consumer credit report with Equifax. It was discovered that an alleged bankruptcy is reporting contestable in accordance with FCRA Metro 2 Format XXXXXXXX This record is being reporting without known " Status '' which violates FCRA regulations. Per XXXX XXXX XXXX   " Any deviation from these standards jeopardizes the integrity of the data ''. I am demanding the removal of this record for this reason. This complaint is not a request for " Verification ''. I have attempted to dispute this unverifiable record several times and Equifax has refused to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX is in violation of the FCRA for reporting inaccurate information regarding I, the consumer. XXXX does not have my consent to furnish this information regarding a charged off XXXX  XXXX account. The Fair Credit Reporting Act states all information should be accurate. This charged off account has caused me great hardship. I have sent in a complaint about this account and the only thing Ive received are deleted inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: MA

Complaint narrative:
My account was suddenly cash account was closed with no warning or explanation of why I have XXXX in savings they were supposed to mail me a paper check I have been emailing them since XX/XX/XXXX they dont respond and have not mailed me my check

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : ACCOUNT # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : ACCOUNT # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I submitted supporting documentation for a dispute on my credit report. The document had my name spelled wrong but was for the right account. Experian went in and changed my name to match the incorrect letter and is now demanding I provide a ton of documentation to have it corrected despite having done it with only 1 incorrect document. I have called several times, emailed, and filed a dispute and they keep telling me it is not their error, and they are justified in having done so without several forms of documentation or permission in the first place.

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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I XXXX XXXX, am stating that XXXX, XXXX, Equifax is violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, ( FIRST, LAST ), NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : DEPTEDXXXX : ACCOUNT # XXXX, DEPTEDXXXX : ACCOUNT # XXXX, DEPTEDXXXX  ACCOUNT # XXXX, DEPTEDXXXX  : ACCOUNT # XXXX, DEPTEDXXXX  : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX 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 a account without my written instructions Per the Fair Credit Reporting Act, a consumer may request a description of the procedure used to determine the accuracy and completeness of disputed information. It also states that the credit bureau shall provide a description of such investigations within 15 days of the consumers request.

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 2022-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I've sent certified letters to the try and resolve and verify this debt. they responded to the letter without providing all documentation regarding the debt that owed. Action are currently still being reported by the company. Certified letter sent XX/XX/2022 Tracking # XXXX Amount {$510.00} Portfolio Recovery Associates , LLC. They fell to provide any or all signed contracts between all parties. Also, my information was shared without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
My identity was stolen in the past and some of the inquiries were not done by 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 non-monetary relief
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 YOU KNOWINGLY BROKE THE LAW AND YOU KEEP DOING IT! 
XXXX # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX 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 a account without my written instructions Per the Fair Credit Reporting Act, a consumer may request a description of the procedure used to determine the accuracy and completeness of disputed information. It also states that the credit bureau shall provide a description of such investigations within 15 days of the consumers request.

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 2022-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I XXXX XXXX sent a letter to First Federal Credit declining their invitation to contract along with other requests. Please look at my letter that I attached to have full knowledge of my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation