vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I received the attached letter from SPS today. I am baffled and befuddled how this company can not correct the Escrow account? The letter sent is still INCORRECT. They have changed my property taxes to {$9000.00} and my property taxes are {$18000.00} PER YEAR? 

This is beyond frustrating. SPS is going to make us loose our home? And to top it off. I have been writing letters to them to correct the escrow account to reflect the correct annual property tax amount since XX/XX/XXXX an entire year. 

I have attached the property tax bill from XXXX XXXX XXXX and it clearly states {$9100.00} is due XX/XX/XXXX and {$9100.00} is due XX/XX/XXXX. This totals, {$18000.00} First and foremost the {$9000.00} amount is short {$390.00}? 

Second, based on this escrow analysis my escrow account will continue to be SHORT. By XX/XX/XXXX it will be short again. By XX/XX/XXXX it will be short again ..... 

Based on my complaint it is my contention that SPS should be liable to pay any shortage as they will not calculate my monthly escrow account correctly? I should not have to pay an additional shortage amount every month for the duration of this loan. IT NEEDS TO BE CORRECTED. IT IS NOT CORRECT. 

Is there anyway I can get a new servicing company because SPS is going to make me and my husband lose our dream home over property taxes? 

If, the property taxed are {$9100.00} two times for the year? HOW CAN MY ESCROW BE SET AT {$9000.00}? PLEASE EXPLAIN THIS TO ME? IT DOES NOT MAKE SENSE? 

FURTHER I AM REQUESTING THAT SPS BE RESPONSIBLE FOR ANY SHORTAGES AS THEY ARE NOT CORRECTING MY ESCROW ACCOUNT WHICH THEY ARE BOUND TO DO BY LAW. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I noticed this account on my credit profile in XXXX and sent numerous letters requesting an original contract that this account was opened by myself. They never sent me a signed contract. This has been on my credit profile for far too long. I do not have a contract with Southwest Credit Systems or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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.

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 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 non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/XXXXXXXX  Received letter from AmEx dated XX/XX/XXXXXXXX  containing multiple misstatements and raising the possibility of additional charges. 
XX/XX/XXXXXXXX  ( today ) Contacted AmEx ( XXXX ) and reviewed the XX/XX/XXXXXXXX  letter : 1. ) " ... after a recent review, your American Express account ( s ) listed above ( XXXX XXXX XXXX ) have been cancelled. '' This is false. In fact the account should have been XXXX-out and cancelled on XX/XX/XXXX. Eventually, XXXX found the XX/XX/XXXXXXXX  interaction and agreed. 
2. ) " No further charges will be approved. '' " Please contact ... compan [ ies ] [ that ] have any recurring charges on these accounts... to ensure these bills do not go unpaid. '' " ... destroy any Card ( s ) you may have for the account ( s ). '' Believed I had done all of this XX/XX/XXXX. Asked XXXX if there were any additional charges on the account or if somehow the card had been fraudulently used after XX/XX/XXXX. Fortunately, XXXX said, " No. '' 3. ) " We reviewed... information when making this decision ( to cancel the card/account on XX/XX/XXXXXXXX  ), including your history with us. '' Asked XXXX if AmEx had reviewed every transaction/interaction since XXXX. XXXX did not know but suspected that AmEx had not. 
XXXX. ) " We made this decision for the following reason ( s ) : Your account ( s ) with American Express is or was past due. '' This is false. On XX/XX/XXXXXXXX  I consented to AmEx keeping {$21.00} residual Reward Dollars ( RD ) as a Thank You for cancelling the card/account. In XX/XX/XXXXXXXX  AmEx promised to investigate what happened on XX/XX/XXXXXXXX  - AmEx did not. On XX/XX/XXXXXXXX  AmEx owed me {$100.00}. On XX/XX/XXXXXXXX  AmEx owed me {$690.00}. Informed AmEx ( XXXX ) that if this is not resolved an {$11.00} interest/finance fee will be added on XX/XX/XXXXXXXX  and AmEx will owe me {$700.00}. 
5. ) " ... give us a call at the number on the back of your Card. '' How can I do that when I destroyed the Card on XX/XX/XXXX. Able to contact AmEx via phone numbers from previous interactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I have been with XXXX XXXX since XX/XX/2023 and this is a debt consolidation company. My account with XXXX XXXX  dealing with One Main is # XXXX. XXXX XXXX is willing to do a settlement to take care of this debt besides going to Court or Garnishing my wages. I was notified by a Bankruptcy Attorney and have submitted the letter to XXXX XXXX of this potential lawsuit or garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
Over the past two years debt collectors ( 3 ) have been trying to collect a debt on XXXX XXXX XXXX XXXX for an address in XXXX XXXX I never started up service in XXXX XXXX  i found out that my identy had been stolen and I have credit feezes activated and subscribe to XXXX. The newest Collection came from Radious Global Solutions. I called them and they said to fill out a fraud report with XXXX XXXX XXXX. Well I did taht with an avadavit in XXXX when another debt collection company was trying to collect the debt. The original amount was XXXX from XXXXXXXX XXXX XXXX Services back in XXXX. I recieved a letter from XXXX saying they would not longer try to collect and close the account. however this new collection company Radious is trying to collect XXXX regarding the same service from 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 2023-11-03 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: TX

Complaint narrative:
I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with 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 2023-11-03 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: IL

Complaint narrative:
The situation is not entirely clear, but one thing is evident : the inquiry was carried out without my approval and was initiated by the creditor without my agreement. It is crucial to remove it promptly.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Dear Experian, I recently got a copy of my consumer file and noticed that there was personal information that belongs to someone else on there. According to the FCRA you must be reporting 100 % correct information at all times and that is not what my credit file reflects at this time. You have 30 days to remove the personal information listed in this letter. I am also requesting you to provide me with the furnisher of this information or where you got this information. 

Please PERMANENTLY REMOVE the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The ONLY correct address is listed above. 

15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Thank you for your attention in this matter, XXXX : XXXX Without prejudice, All Natural Rights Reserved

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 2023-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app allowed money too be stolen out of my account I was in the XXXX around the time it happened. I have documents also

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Because of this identity theft it has ruined my life those creditwise and the mental toll it is taken on me the debt is for over XXXX for a cellular phone service with XXXX XXXX I have turned in every single police report the FTC reports the IRS reports and it addition the report of the gentleman who opened these accounts and stole my identity during the XXXX breach has been arrested I still get hit with delinquent notices on my credit report every month and I just keep getting the emails from the credit people who the debt was sold to and they want {$2700.00} and they keep saying oh well these are different ways you can pay off the debt but the debt isn't mine and I've done everything to prove this to be the case I've done three different disputes with the credit agency nothing is helping it is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
on XX/XX/2023 citi bank sent me an email stating they wish to end the relationship with me conserning my checking account after just opening the account and depositing funds. i contacted the bank they told me that they will sned a letter as to stating why in the mail along with a check in the amount of my funds around XXXX i have not recieved the letter nor the funds i keep calling them the keep telling me the back office is the one with the answers but wont allow me to speak with them they state that they email them and im to call back in 48 hours for the response this has been going on for the last 6 months i dont owe them any thing i offered all legal documents as to prove who i am they said i been varified but yet still wont give me my money back this has put me in a big hard ship as i have limited income.

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 2023-11-03 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: Credit Karma, LLC
State: FL

Complaint narrative:
Credit Karma credit card offers, then hard inquiries on credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I recently got a copy of my consumer file and noticed that there was personal information that belongs to someone else on there. According to the FCRA you must be reporting 100 % correct information at all times and that is not what my credit file reflects at this time. You have 30 days to remove the personal information listed in this letter. I am also requesting you to provide me with the furnisher of this information or where you got this information. Please PERMANENTLY REMOVE the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX The ONLY correct address is listed above. 15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved

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 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The bank opened an annual fee credit card without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, the consumer reporting agencies listed below along with the account listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : XXXX, XXXX, TransUnion and XXXX XXXX : Account Name : XXXX XXXX Account number : XXXX I received a correspondence from XXXX XXXX XXXX and yet again, refuses to provide documents of my signed agreement giving them complete authorization to disclose my personal and confidential information, validating this account being mine, and verification of this account to me, to the consumer reporting agencies listed above. 
For the record, I never gave XXXX XXXX authorization of any kind to disclose my information to ANY consumer reporting agencies, hence their inability to provide proof. 
Again, XXXX XXXX has violated my federally protected consumer rights governed by Congress and I want them removed from my consumer report. 
XXXX XXXX has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments, charge off, and repossessions are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Again, I repeat, I demand that this account deleted off my consumer report with all consumer reporting agencies ( XXXX, XXXX, TransUnion, and XXXX ) along with all other consumer reporting agencies. 

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a home mortgage or car loans. 

Please see attachments. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2023-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo online banking has created a dark pattern where they do not provide customers with a self-serve option to pay an invoice via ACH, forcing customers to use wire transfers that charges customers a minimum of {$40.00} to make a transfer. 

The current options for me to make a transfer from my Wells Fargo online account to a business account at XXXX in order to pay my tax preparation service are 1 ) use bill pay to mail a physical check. The business will not accept checks. 
2 ) use XXXX to pay the invoice. The business I'm paying is not on XXXX. 
3 ) use a wire transfer to pay the invoice. This will charge me {$25.00} I want to make an ACH transfer and the only option Wells Fargo gives me to make an ACH transfer is to send funds only to non-Wells Fargo accounts I personally own.

This bank is deliberately forcing it's customers to choose an expensive wire transfer option in order for us to send a digital bank-to-bank transfer within the US. Wells Fargo has the ability to send money via ACH to non-wells fargo accounts not in my name but they are purposely choosing not to provide that option to customers and leaving us with only expensive alternatives. 

Their customer support team was not helpful in solving this over the phone and requested that I call the business I'm trying to pay and ask them to join XXXX or to accept a physical check which I find ridiculous.

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 2023-11-03 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-03 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: FL

Complaint narrative:
Title 15 US Code 1611 : Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose und

er the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

Company is willfully putting false information ( 34 hard inquiries in which I disputed ) are not authorized by me and I do not recognize them

Company response to consumer: Closed with explanation