vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account names : XXXX : Original creditor XXXX XXXX XXXX  # XXXX : # XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX Original Creditor XXXX XXXX, XXXX XXXX XXXX : Original Creditor : XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2023-11-11 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: FL

Complaint narrative:
I have reported fraud on my credit report as there is a collection of {$390.00} on my account that is fraudulent. I have disputed this collection on all 3 credit bureaus multiple times along with the address associated with the account as it is not valid. This account has not been removed from my report. The fraudulent account that is being reported on my credit report is XXXX XXXX XXXX. I have not conducted any business with XXXX XXXX XXXX or XXXX XXXX. This account was opened on my report on XX/XX/2021. I would like to have this account removed from my credit report as it is fraud and possibly identity theft.

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 2023-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XXXX  DETAIL TRANSACTION HISTORY XXXX XXXX : XX/XX/XXXX XXXX Mr. Cooper XX/XX/XXXX XXXX On the transaction history for XX/XX/XXXX Is an escrow balance posting a {$5900.00} please identify what that amount is and what it is for on XXXX what that amount is for on XXXX you posted {$120.00} please identify what that amount is for on XXXX you posted {$88.00} what is that amount for on XXXX you posted {$77.00} what is that amount for Between XX/XX/XXXX You posted numerous {$11.00} charges what are those amounts for since they go back to XXXX and XXXX when you were not in possession of this mortgage Item XXXX XXXX corporate advances increased to XXXX {$16.00} big XXXX to {$65.00} {$77.00} {$80.00} yet the effective date is XXXX you were not in possession of this mortgage at that time tell me what those charges are for going back all the way to XX/XX/XXXX where you posted {$200.00} {$250.00} a {$190.00} a {$170.00} {$120.00} Item XXXX corporate advance {$2200.00} send me an explanation item XXXX effective posted on XXXX {$1400.00} item XXXX posted on XXXX {$1300.00} identify it item XXXX posted XXXX {$1000.00} identify that item identified every item that you posted on XXXX retroactive to XXXX XXXX XXXX Item # XXXX and item XXXX {$840.00} where did you get that money from to post to mortgage payments what's the offsetting debit I want a breakdown of every item that appears in the total amount column on the transaction history starting with item XXXX so on and so forth charges of {$900.00} charges of {$12.00} XXXX XXXX  charges of {$1600.00} charges of {$1100.00} {$1700.00} {$4500.00} be very specific as to what these charges are for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc.
State: OH

Complaint narrative:
I mailed a check from a XXXX loan to pay upstart personal loan off. I mailed the check on XX/XX/23 and they received it on XX/XX/23 ( per tracking USPS ). I received verification from XXXX loan company that the check was cashed by upstart. I have contacted upstart by email and phone on multiple dates ( XXXX, XXXX, XXXX ) to find out why it hasnt posted to my account and also sent them emails with proof of delivery and proof they cashed the check. Their response is not helpful and states if the issue is not resolved, I may receive a call from a team member. I have not received a call and have continued to call to resolve this. They state they will investigate and nothing is getting resolved. They stated it was mailed to the wrong address, however it was mailed to the address on my loan documents that is provided for mailing checks. I have to continue to make payments and they now owe me money and are refusing to resolve this.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Illinois Northern Bankruptcy Court XX/XX/2023 To Whom It May Concern I received a copy of my credit report regarding the bankruptcy below : XXXX XXXX XXXX According to the 3 reporting agencies, the Illinois Northern Bankruptcy Court reports Bankruptcy filings to all 3 credit reporting agencies ( XXXX, Experian, and XXXX ) as well as XXXX XXXX  and CoreLogic. My bankruptcy was considered a private matter until you reported it to the bureaus. 
Any account that is reporting on a consumer credit report must list it as reporting it to the credit reporting agencies. Can you please reach out to me and let me know if this is true? I know that this would be considered a forgery of your name onto my credit report if you did not report it directly to the furnisher. 

Thank You 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 2023-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I reached out to a company called UPGRADE to change my auto debit from one bank to another. I was told to take a picture of myself with a note on it stating the following. Loan/account number of credit card account. With the credit limit hand written, current interest rate and type of product I have with the company. I was also told to take a picture of the front and back of my driver license so they could verify that it was me asking for the change. They did not offer to request information via any secure channel. I wrote in an email back to them. This is unusable and I am concerned that my ID information is now out there for anyone to intercept and steel. This appears to be a consumer privacy issue. I have the email and the pictures I sent to them to make the change. I, also requested my account to be closed and I would continue to make payments until the balance was paid in full. This risky behavior has made me decide not to do business with them any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Higher Education Servicing Corporation, Inc.
State: TX

Complaint narrative:
Subject : Request to Cease Contact Regarding Alleged Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to address an ongoing issue that I have been experiencing concerning the receipt of letters from your office regarding an alleged debt. I would like to inform you that I have never entered into any contractual agreement with your company, and therefore, I do not owe you any debt. Item is also listed twice on my credit report. 

As a third-party debt collector, it is essential that you understand that I have thoroughly reviewed my financial records and have found no evidence of any outstanding debt owed to your company. I kindly request that you stop calling and mailing me regarding this matter immediately. 

I have taken the time to educate myself about consumer laws and my rights in such situations. According to the Fair Debt Collection Practices Act ( FDCPA ), in order for any alleged debt to be considered valid, there must be a valid signed contract between the debtor and the collector. As I have not signed any contract with your company, it is crystal clear that I do not owe you any debt. 

I kindly request that you respect my rights as a consumer and cease all communication with me in relation to this alleged debt. Additionally, I would appreciate it if you could remove any negative information related to this debt from my credit report, as it is incorrect and misleading. 

Please understand that any further attempts to contact me or any failure to comply with my request will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation from your office within 30 days acknowledging that my request has been honored and that all contact regarding this alleged debt will cease. 

Yours sincerely,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This account appeared back in XXXX  there about it was XXXX XXXX and I did. It open this account it was fraud from the start. It was to be removed the first time it was investigated, I provided police reports and all it was not they sold it to someone and they continue to keep it on there almost acting as if its a new account XXXX something yrs later. So long that the original opening date no longer shows. They continues to call and email and report im a bad payer to this account. It has caused me several credit opportunities because its a simple store to have paid and it looks as if I dont so lenders and creditors reject me if I cant pay that little bill why would I pay theres but its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Between XX/XX/23 and XX/XX/23, PNC Bank and XXXX XXXX XXXX XXXX XXXX allowed mobile deposits of stale dated checks and checks that had previously been cashed to clear from my business debit account. The stale dated checks totaled {$7300.00}, and the double-cashed checks totaled {$4000.00}, which makes the grand total {$11000.00} by my calculations. XXXX XXXX XXXX  worked to dispute and return the double-cashed checks, but PNC told them that they refuse to return the stale dated amounts since they weren't fraudulent. These checks were generally between 1-2.5 years old, there were nearly 60 checks in total.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
The amount of interest due does not take into consideration the principal amount that was paid during that month. When payments are made during the month towards principal, the interest due should be applied as a portion to the actual interest and remaining to the principal. I have had XXXX with XXXX XXXX and they follow this practice. Here Citizens Bank is taking advantage of the customer and making a profit from illegal practice. 
Payment due amount is calculated based on the outstanding amount. But outstanding amounts vary throughout the month due to the incremental number of payments made towards the principal. 
In the XXXX statement issued on XXXX, Principal balance - {$200000.00} Minimum amount due - {$1300.00} Payment due date XX/XX/2023 Total payments made between XX/XX/XXXX and XX/XX/XXXX - {$78000.00} Total advance - {$17000.00} When Citizens applied the interest of {$1300.00}, the outstanding amount in the account had substantially reduced by amount of {$61000.00}. This is almost a 30 % reduction. But Citizens applied the full amount to the interest without splitting between interest due and principal. 
To be clear, interest {$1300.00} can not be considered as the right amount ( due to the payments ). In this case, the interest should be calculated while applying the payment and the remaining amount should be applied to the outstanding principal. Again, XXXX XXXX and other banks do follow this practice and Citizens is ignoring this component of calculation thus taking advantage of the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Request to Cease Contact Regarding Alleged Debt Dear Sir/Madam, I hope this letter finds you well. I am writing to address an ongoing issue that I have been experiencing concerning the receipt of letters from your office regarding an alleged debt. I would like to inform you that I have never entered into any contractual agreement with your company, and therefore, I do not owe you any debt. 

As a third-party debt collector, it is essential that you understand that I have thoroughly reviewed my financial records and have found no evidence of any outstanding debt owed to your company. I kindly request that you stop calling and mailing me regarding this matter immediately. 

I have taken the time to educate myself about consumer laws and my rights in such situations. According to the Fair Debt Collection Practices Act ( FDCPA ), in order for any alleged debt to be considered valid, there must be a valid signed contract between the debtor and the collector. As I have not signed any contract with your company, it is crystal clear that I do not owe you any debt.

I kindly request that you respect my rights as a consumer and cease all communication with me in relation to this alleged debt. Additionally, I would appreciate it if you could remove any negative information related to this debt from my credit report, as it is incorrect and misleading. 

Please understand that any further attempts to contact me or any failure to comply with my request will be considered a violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights. 

Thank you for your immediate attention to this matter. I expect to receive written confirmation from your office within 30 days acknowledging that my request has been honored and that all contact regarding this alleged debt will cease. 

Yours sincerely,

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 2023-11-11 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: 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.

List of the hard inquiries I want removed off my credit report by TransUnion below 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, 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 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 and not recognized!!

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

Complaint narrative:
Someone stole my identity in the past. Also my someone keeps changing my address or other personal information and stealing or checking continuously on my credit reports and I can not seem to keep them out or prevent changes occuring ect.

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 2023-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management has violated the Fair Debt Collection Practice Act by contacting a debtor at inconvenient times unless the debtor allows it. At no time is it convenient for me to be contacted. Midland Credit Management has also violated the Fair Debt Collection Practice Act by harassing me, as well as using language I consider to be obscene in their written notifications. Midland Credit Management is not the original owner of the Debt and therefore has no right to contact me stating they are " attempting to collect a debt. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 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:
I have closed accounts showing on my credit report that do not belong to me. I need them removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX XXXX XXXX was not the initial mortgage company that I had when I purchased the house. I was having problems with my payment after being downsized in XXXX. Caught up until XXXX. I contacted XXXX XXXX and explained the problem. They said they could help. With a modification. Sent papers for me to complete. But instead of helping me they increased payment more than double.and added an additional XXXXXXXX XXXX  on to my mortgage In XX/XX/XXXX. I wanted to know where the additional XXXX came from. because I couldn't keep paying this high amount. And wanted this corrected IWhen I requested another modification. They sent documents that I didn't think they wanted to. Because it had documents shwing that they refinanced my home without my knowledge was that wa assigned a worker. I received 3 different letters naming 3 different people. XXXX of XXXX I was sent a letter saying that they had no program to help me at the time. .The pay off date for my mortgage is XXXX and I am sure I won't be alive. I am XXXX XXXX XXXX now.

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 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested my transunion credit profile to be frozen and it was not honored, which opened my account up for fraud and identity theft cases. Also put evictions in my profile wrongfully causing me to pay higher deposits for rental properties.

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