vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
Starting in XX/XX/year>, my escrow payment went up by {$83.00}. I called on XX/XX/XXXX and learned this was due to my insurance information lapsing ( when XXXX acquired my mortgage from XXXX they did not transfer this information properly ). I provided my insurance information. I was told this would be corrected going forward and I would be credited for the overage. I called again on XX/XX/XXXX when I saw this was still not fixed and the customer service person apologized and said it would be corrected in several business days. I logged in today to see nothing has changed. I was unable to reach a customer service representative because the automated menu goes in an indefinite loop -- when I finally get to the option to select insurance or escrow, I select the option, and the menu restarts at the beginning as if I just called. The only way to get a human on the phone is to pretend you want to re-finance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
Total Visa has been charging {$30.00} late fees to my account even though I have had automatic payment set up. The company sends these late fees making my automatic payment higher and then credits me back the late fee. The credit card company has been doing this for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, XXXX XXXX. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to XXXX parties you are damaging my reputation and credit worthiness Under the FCRA XXXX XXXX. XXXX, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: PA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My investment property at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX burned on XX/XX/year>. It was a total loss. The mortgage was held by Mr. Cooper. XXXX XXXX XXXX XXXX  settled the claim. I paid off the mortgage on XX/XX/year>. During the difficult process of paying off the loan, I inquired about the balance of my escrow account and was told it was {$4100.00}. I asked that it be returned to me. As of XX/XX/year>, the amount had not been refunded so on that date at XXXXXXXX XXXX central daylight time I called XXXX and spoke to XXXX. XXXX said that a check for the escrow balance was mailed to my address on XX/XX/XXXX. My response was that I had not gotten the check and to please re-issue another check. She said another check would be issued in 5 business days.

I have patiently waited for my refund and it STILL has not been returned. Return my rightful funds please. 

The loan number on the account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC

Complaint narrative:
On XX/XX/XXXX I received a letter claiming I owed a debt of {$770.00}. XX/XX/XXXX I called them and asked for verification of the debt and an itemized bill. They refused and hung up on me. On XX/XX/XXXX I sent them a letter requesting creditor information, basis for the debt, billing statement, original contract, passt payments, and their licensing information. I did not receive a response. On XXXX my wife received a phone call from XXXX. She did not identify herself as a debt collector. She instead she was " private business relations ''. I called the number and spoke to an agent who did not identify himself as a debt collector, but instead attempted to get me to confirm information. Once I asked why he wanted to know, he then identified himself as a debt collector. He then continuously tried to get me to admit that this was my debt. The debt was not over {$1000.00}, instead of the {$770.00} they claimed in their letter I told him I dispute this debt and he said I was being difficult. I told him he was being difficult. They refuse to give me any other information about this debt for me to confirm that it is my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: KY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I submitted a letter to NCA regarding three accounts ending in XXXX, XXXX, XXXX. These accounts are not mine, inaccurate and incomplete. I asked this company to validate the debt. They have not. A bill of sale which I have not received wouldn't validate they own the debt. Prove it to me by sending a Purchase agreement to show that they even own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Comenity/Zales. I believe they have engaged in intentionally deceptive trade practices. 
XX/XX/XXXX - payment due XX/XX/XXXX - payment made ( but after XXXX XXXX so {$30.00} fee incurred- ok, I understand ). PAID OFF ENTIRE BALANCE. 
XX/XX/XXXX - Comenity representative called to say we had not made XXXX payment. We were confused but thought we had made a mistake. So we gave her our information over the phone to pay the entire balance ( again ). She said she would waive half ( {$15.00} ) of {$30.00} late fee, so we paid {$440.00} ( balance ) PLUS {$15.00} over the phone. 
At this point, we have paid off the balance TWICE. 
XX/XX/XXXX - received email indicating payment overdue. Confused because we had spoken with representative on XX/XX/XXXX and paid it again. Upon calling, they advised me that my XX/XX/XXXX payment HAD gone through but I owed a {$30.00} late fee from XXXX, so now I was being charged a {$30.00} late fee for XXXX too. So I was charged a late fee on a late fee, after we spoke with THEIR representative on XX/XX/XXXX and paid all balance and late fees off. 

I believe that the payment made online via their " pay faster without signing in '' was temporarily misplaced by them, which is why we got the call on XX/XX/XXXX. Later, they found my payment and disregarded the XX/XX/XXXX phone call ( which addressed all late fees too ). 

I reported this to XXXX XXXX XXXX and Comenity said they don't respond to XXXX  complaints for " privacy reasons. '' XXXX  said Comenity would respond to me directly. They NEVER did. I emailed them and told them I disputed my debt and then they responded with a basic " you were charged a late fee because your payment was made after XXXX XXXX. '' They did not address the call on XX/XX/XXXX or the fact that this resulted in me being charged a late fee on a late fee. 

I believe that they intentionally disregarded that telephone call-which ***they*** made- just to charge me an additional {$30.00}. I paid off the stupid late fees because who has time for all of this.... And I think that is exactly what they want customers to do. 

Also, is it lawful to charge a late fee on a late fee when the entire principal balance was paid off?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: NY

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-09-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
West lake financial has called me before XXXX on several occasions They have called numerous times in 1 day and I have received phone calls even after speaking to someone. 
The person I spoke to yesterday said they would note the account, the person today when I told her they can not call me repeatedly day after day with speaking to them she said that is not with in our contract. Calling me multiple times a day and making contact and calling again the next day is harassment and illegal. This is beyond harassment and nothing has changed from the day before to today. I have had open communication with the company and called them to voluntarily surrender my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was fraud for XXXX  thru my debit, my bank stopped 1 charge but didnt not stop others and trying to get Bank Of America to reverse the charges and they wont how can a bank say they have zero liability for their customers on fraud charges and wont work with me the reasons Im getting are they didnt drain my account, I had to have authorized them. Ive filed reports with both the FBI and FTC online in XXXX and still waiting to hear back. I also had a fraud for XXXX and XXXX trying to purchase a XXXX vacation. I believe both were related to each other. Please I need help. Im supposed to be taking the XXXX to XXXX XXXX on XX/XX/XXXX but looks like I have to cancel since the bank wont work with me.

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 2024-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Credence Resource Manage put a collection on my credit report for {$200.00} in XXXX XXXXI have not receive any notice of this debt. I need to confirm the validity of the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm wanting this hard inquiry to be deleted because I did not authorize these companies to run my credit, which is fraudulent. 



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 2024-09-04 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: IL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian, upholds the law. This section of the law mandates that credit reporting agencies, upon receiving appropriate proof of identity theft, such as an FTC Identity Theft Report and an official police report, must block the reporting of information that the consumer identifies as resulting from identity theft within four business days. Experian has refused to promptly remove these fraudulent accounts. I spoke with a representative from Experian who informed me that this account would be blocked and removed. As an active member of the military, it is critical that these fraudulent accounts, which are the result of identity theft, be removed and blocked from my report immediately. My roles, especially those requiring security clearances, involve thorough background checks, including a review of my credit report. These fraudulent accounts could raise concerns about my financial stability, potentially jeopardizing my clearance and performance.

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