vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
Shellpoint Mortgage Servicing will not cancel my PMI off my mortgage payment. I should have been eligible to stop paying PMI in XX/XX/XXXX, because I have a good payment history, I am current on the loan, I have no liens on the property, the value of my property has not declined, and I have well over 20 % equity from the original loan value. I sent a written request XXXX, and was denied via a letter I received XXXX. I was denied due to a late payment XX/XX/XXXX and would be eligible to cancel PMI two years after that date. Called in XX/XX/XXXX to ask if PMI could now be removed, was denied again via mail XXXX. Sent written request XXXX and received an e-mail XXXX saying thank you for contacting us, we will send paperwork for you to fill out. Received a letter XXXX saying they were " working to gather info '' I have not been contacted again as of XXXX and my XXXX payment coupon still has PMI in escrow. Also received an escrow analysis dated XXXX that shows me having to pay PMI for another year. Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am trying to unfreeze my account with Experian and I am unable to log into my account. The login does not accept my username or password. When I select 'forgot your username ' of 'forgot your password ' it takes me to a page to enter my date of birth and social security number. When entered I get a reply 'sorry that didn't match up, please try again '. This is also true for my wife 's account. 
There is no possible way to call and talk with an agent at Experian. No way. I finally selected 'fraud alert ' on a site, but I have no idea what that does for our problem. 
We were hacked a week ago, and I am suspicious we are subjects to identity theft, and if so, there is no way to stop it without actually talking with an agent to prove my identity and access our accounts. 
Even if there is no fraud, I can't start from scratch and try an open a 'new ' account with my date of birth and social security number to see what the response would be from Experian. 
This is not happening with XXXX and 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 2021-09-30 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
hello, i sent a dispute for a account that was removed from a dispute XX/XX/XXXX ( report id # XXXX ) but was illegally reinserted on XX/XX/XXXX.i sent another dispute on XX/XX/XXXX to fix this issue but all you did was send investigation results back saying you updated account information not removed my account. it was illegally reinserted because after the reinsertion I was supposed to be notified of reinsertion of the alleged account within 5 business days after reinsertion according to 15 usc 1681 ( 5 ) ( b ) which states : " If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' it also states the grounds for reinsertion : " If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is COMPLETE and ACCURATE. '' now the account should have never been reinserted in the first place but not only was it reinserted you reinserted the account with brand new information which is a direct violation of this federal law. it says a account can only be reinserted if the person who furnishes the information certifies that the information is COMPLETE and ACCURATE. You reinserted the account with no notification to me in writing, as well as creating brand new information on the account then a week later on XX/XX/XXXX you changed the information back to the old information that was on my dispute to make it look like you were in compliance with the law but your not. The documents attached to this dispute are listed by dates on my credit report and support my case, XX/XX/XXXX the balance read {$4200.00}, XX/XX/XXXX the account was removed because of the dispute, XX/XX/XXXX you reinserted the account with a balance {$5000.00}, XX/XX/XXXX you changed the balance back to {$4200.00}. i demand you re-remove this account for breaking 15 usc 1681i ( 5 ) ( b ) by reinserting a account without giving me a notification in writing and furnishing brand new account information then changing it back to old information.

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 2021-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Please refer to the attached for full copy of statements XXXX XXXX The last purchase made with my Victoria Secrets card occured on XX/XX/XXXX which showed up on XXXX 's statement, due XX/XX/XXXX. Unfortunately, I made the payment too close to the due date ( XXXX ) and it was received on the XXXX, generating a late fee and interest charge, for a total of {$31.00}, due on XX/XX/XXXX. On XX/XX/XXXX, a new payment for the amount due was made, leaving a {$0.00} balance in the account. And, again, I have not used the card since XXXX, so I was not tracking the account any more at this point. 

Here is where the unfair, unexplained and incoherent transaction starts. In my opinion a system error. 
A new " Fee Charged '' for {$2.00} was applied to the account on XX/XX/XXXX. This has no explanation whatsoever. Considering I've already paid my dues, actually 15 days earlier ( paid XXXX, due XX/XX/XXXX ) The {$2.00} generated late fees and more interest and late fees over and over. The balance grew up to {$30.00} ( breakdown below ). 
XXXX {$2.00} interest XXXX {$2.00} late fee XXXX {$2.00} interest XXXX {$6.00} late fee XXXX {$2.00} interest XXXX {$14.00} late fee XXXX {$2.00} interest On XX/XX/XXXX I received a paper statement ( while I'm signed up for eDelivery ) showing a total of {$30.00} balance due on XX/XX/XXXX. I should've not paid it at this time, however I did. A full payment was made, again on XXXX. 

Today, I noticed a new balance for {$2.00} posted in the account. I went and paid it. But not fully convinced of what is happening, I decided to call Customer Service and discuss. 

Spoke to XXXX with client service, and she understood the situation and credited the {$2.00} I had just paid. And offered me to transfer the call to her supervisor to apply the credit for the {$30.00} previously paid, as she was not able to process it. XXXX, XXXX 's supervisor, argued with me from the beginning, repeating herself and not listening to the full analysis I've prepared, before I called them. So I requested her to transfer me to her manager or a higher up agent. Then I was transferred to XXXX, Senior manager. Again, arguing and advising me to refer to the statements which were black and white, clear enough to anyone or close the account if I disagree to their terms and conditions. I explained, several times, that I did not disagree of being charged for the late fee in XXXX. however if I had until XX/XX/XXXX to pay {$31.00} and had paid that amount on XXXX, basically 15 days in advance, why am I being charged {$2.00} again in XXXX. It just makes no sense. 
This call was on for almost an hour. And if they really recorded it, I hope you could listen to it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: DE

Complaint narrative:
I contacted LexisNexis several times on the validation of the bankruptcy on my report & file. I explained to them how they needed to verify the items that was on my report. They replied that they verified my bankruptcy which is false.I asked them to verify how you got you information and you didnt respond with documents. I asked for you to send please me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately, and you guys failed to give SOLID PROOF. LexisNexis uses a database called XXXX to fish out negative info on consumers and you then sell it to the other consumer reporting agencies. Thats violation 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy & congress makes it clear that a consumer has a right to privacy. LexisNexis going out and fishing for negative information about me is an infringement upon a consumers right to privacy pursuant to 15 U.S.C 1681 ( a ) ( 4 ). The second one- 15 U.S.C 1681b ( a ) ( 2 ), LexisNexis did not have a Permissible purpose nor did they have your written instruction. LexisNexis stated that they contacted XXXX, which means they had the information prior to contacting them ; and did not get the information from them. XXXX bankruptcy courts states if someone calls the courts for CONFIRMATION... 

Three Violations 1 : 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

2 : 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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

3 : 15 U.S. Code 1681a - Definitions ; rules of construction ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: NC

Complaint narrative:
I HAVE BEEN TRYING FOR TWO YEARS SINCE EQUIFAX HAD THEIR FILES STOLEN TO GET MY NAME CORRECTED AND THREE ITEMS REMOVED FROM MY CREDIT REPORT WITH NO AVAIL.SO THIS IS THE SECOND COMPLIANT THAT I HAVE FILED WITH CFPB, THEY JUST LIE AND IGNORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
XX/XX/XXXX, I mailed a certified letter to Midland Funding, LLC, requesting debt validation for a collection reporting on my credit report they allege that I owe. I disputed this thru the credit agencies ( XXXX, XXXX and XXXX ), several times and they advised the account was verified. I then emailed the bureaus to request their method of verification and to provide the proof. It has never been provided. 

Midland Funding advised the credit agencies above that the debt is verified. So why have they not responded to me yet with the requested information for debt validation? And, they are continuing to report it on my credit report. This is a violation of my consumer rights- both my FCRA and FDCPA rights ( failing to validate a debt at my request and continuing to report a disputed debt ). They have not responded as of XX/XX/XXXX. 

Initially, when I began disputing the account, the balance reported was {$1500.00}, now it's {$1500.00}. Between, XXXX and XXXX, it went from {$1500.00} to {$1500.00} to XXXX ( which is the high credit ) and now it says {$1500.00}. How did the balance change? How can the balance be more than the high credit- this is inaccurate reporting. The law states that the data must be entirely accurate or it must be removed. 

Beyond all the reasons above of this alleged collection.. the following are inaccurate, misleading and being reported a multitude of ways which is also a violation... 

They are reporting Number of months terms to XXXX. 
The last date active is reporting differently for all three credit agencies. 
The payment history is reporting current with XXXX and collection with XXXX and nothing reporting with XXXX. 

How much more needs to be inaccurate for me to be taken seriously and these to be removed? 
This is damaging my character and causing me to be denied from obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I placed an order of several items from a company on XX/XX/2021. 

The order was finalized on XX/XX/2021, and charged on my HSBC credit card. 

It was billed to XXXX on my credit card. 

However, I emailed the company to cancel the order and return the items, which I did. 

On XX/XX/XXXX, the company replied that they received my return shipping receipt with the tracking numbers and the refund would take 3-5 business days. 

The issue is that the charge is still on my credit card statement, and I reported the dispute to HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

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 2021-09-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
THIS IS NOT A DUPLICATE RESPONSE- YOU RESPONDED TO MY CFPB COMPLAINT ENDING IN # XXXX ON XX/XX/21, I RESPONDED BACK TO YOUR CLAIMS WITHIN THE CFPB COMPLAINT ENDING IN # XXXX ON XX/XX/21, AND ON XX/XX/21 YOU RESPONDED THAT IT WAS A DUPLICATE COMPLAINT. MY TWO RESPONSES ARE NOT THE SAME. I HAVE THE RIGHT TO RESPOND TO WHAT YOU STATE. THAT IS A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- 12 USC 5511 ( c ) ( 2 ) JUNK DEBT BUYER IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- I AM THE CONSUMER- I AM THE ADMINISTRATOR- I AM THE EXECUTOR 15 USC 1692c ( d ) The Bureaus, INC stated that their client Bureaus Investment Group Portfolio No. 15, LLC, has bought this debt, so a person would not owe this alleged debt to The Bureaus, INC, their client or the assumed original creditor ; THE BUREAUS, INC just admitted to False or Misleading Representations pursuant to 15 USC 1692e ( 6 ) ( A ). Also, I, the federally protected consumer, never gave The Bureaus, INC permission to have my personal information, that is a violation of my right to privacy, pursuant to 15 USC 1692 ( a ). Furthermore, The Bureaus, INC just admitted to participating in conspiring against my rights with their client, Bureaus Investment Group Portfolio No. 15, LLC and the assumed original creditor, pursuant to 18 USC 241, which they shall be fined and imprisoned for 10 years. They are violating 18 USC 1028 by unlawfully transferring my authentication feature ( social security number ) electronically. This debt collector is violating a number of my FEDERALLY PROTECTED CONSUMER RIGHTS ; some, but not all, are included in my Bill of Particulars. Deleted this alleged account from all of my consumer reports immediately and terminate all further collection efforts.

With Explicit Reservation of all Rights, Without Prejudice UCC 1-308.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I contacted Transunion several times & explained to them how they needed to verify the items that was on my report. They failed to send me documentation of a Bankruptcy on my report & file. I have contacted them several times about the issue. they came back stating that they have verified this account with XXXX. XXXX uses a database called XXXX to fish out negative info on consumers and you then sell it to the other consumer reporting agencies. Thats violation 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy & congress makes it clear that a consumer has a right to privacy. XXXX going out and fishing for negative information about me is an infringement upon a consumers right to privacy pursuant to 15 U.S.C 1681 ( a ) ( 4 ). The second one- 15 U.S.C 1681b ( a ) ( 2 ), XXXX did not have a Permissible purpose nor did they have your written instruction. Transunion still has no " SOLID '' prof as to how you received the information because XXXX is not crediable and violated my rights. 

Violations 1 : 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

2 : 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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

3 : 15 U.S. Code 1681a - Definitions ; rules of construction ( 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. 

Only a consumer can validate a debt 15 U.S Code 1692g. I have suffered from XXXX XXXX gross, negligent and willful behavior. These injuries included and not limited to being denied for credit, deformation of character, loss of business income, denied for mortgage and mental anguish,

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 2021-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
I sent money to a company in XXXX using wise.com for a purchase of goods, first they sent me a fake tracking number then they gave me a lot of excuses and then they asked me for a copy of my passport and license. I was afraid it was also identity theft so I refused, I asked them for a refund and they have been giving me excuses not to do it. I called them out on social media and they wrote me back saying because I called them Thieves And insulted them they didnt have to go through that and they could refuse my refund. They blocked me from any type of communication and said I could do whatever I wanted they wont give me my money back. 

I tried to get help from Wise.com but they also refused saying they didnt see any type of scam and that since I didnt give them my personal documents I was at fault. I dont see that as a reason why they are allowed to keep the money. 

I sent 3 transactions : One on XX/XX/2021 for {$2000.00} Another one on XX/XX/2021 for {$1900.00} And the last one on XX/XX/2021 for {$140.00}.

Company response to consumer: Closed with explanation