vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
In early XX/XX/2022, my loan was transferred to NewRez LLC from XXXX XXXX XXXX. I only received notice of the transfer. No welcome letter from NewRez or goodbye letter from XXXX XXXX XXXX. My first letter from NewRez was my mortgage statement on XX/XX/2022. 

Unfortunately, I have been trying to resolve this and your customer service department has not performed well. In late XX/XX/2022 I paid XXXX XXXX XXXX {$1200.00} for an appraisal of my property for PMI removal. I had this request processed in XX/XX/2022 and at that point my account was in flight from XXXX to NewRez. I have called on several occasions trying to get this and other technical issues resolved since then with no progress. 

The timeline is as follows : XX/XX/2022 : XXXX XXXX XXXX XXXX {$1200.00} along with {$9100.00} to principal balance to achieve target XXXX. 
XX/XX/2022 : Partial release approved and PMI removal in-progress after XXXX payoff XXXX 
XX/XX/2022 : Transferred to NewRez XX/XX/2022 : Calls customer service for update on PMI and also technical issues ( unable to login to portal or app ). Tickets logged as action from this call. 
XX/XX/2022 : Calls customer service again as I had not received any update to the PMI request or the technical issue. Additional tickets and internal complaint logged from this call. Had to send in the appraisal as customer service couldn't find the original appraisal from XXXX ( attached ). 
XX/XX/2022 : Received call regarding PMI. I explained the case with XXXX and she informed me she will continue to investigate the issue. 
XX/XX/2022 : Received direct message that I have to resubmit a request for PMI removal with another appraisal, which was already completed in XXXX ( attached ). Newrez 's letter states it is an additional minimum {$400.00} charge to redo work that was already ordered. 
XX/XX/2022 : Called customer service again to escalate PMI removal issue and was provided executive email contact information for escalation. 

To resolve the problem, I am requesting your help in getting PMI insurance removed from my account as I already went through all steps needed with XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 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 information is inaccurate. I received a letter from XXXX XXXX, trucking company where they explain to me that my personal information was compromised on their system and they will pay a year free for XXXX that way I can check my credit report, I'm trying to find that letter but I missed but you can make communication with them and you will make sure some on toke my personal information amd I was seeing inquires on my credit report I never consent or allowed. Please check with XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 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 information is inaccurate. I received a letter from XXXX XXXXXXXX XXXX XXXX where they explain to me that my personal information was compromised on their system and they will pay a year free for XXXX that way I can check my credit report, I'm trying to find that letter but I missed but you can make communication with them and you will make sure some on toke my personal information amd I was seeing inquires on my credit report I never consent or allowed. Please check with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
Over the past few months I have been charged numerous overdraft fees due to pending deposits. On XX/XX/XXXX I was charged {$100.00} in overdraft fees but I had money in my account and would not have been negative had it not been for fees,. When this fee posted it brought my account negative and then I was charged {$100.00} the next day on XX/XX/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 monetary relief
Consumer complaint received 2022-12-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Item disputed XXXX XXXX XXXX XXXX XXXX 
Issue type Account ownership and fraud issues Issue This is not my collection. 
Item disputed XXXX XXXX XXXX XXXX XXXX XXXX 
Issue type Account ownership and fraud issues Issue This is not my collection. 
Item disputed XXXX XXXX XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue This is not my collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 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 information is inaccurate. I received a letter from XXXX XXXX, trucking company where they explain to me that my personal information was compromised on their system and they will pay a year free for experian that way I can check my credit report, I'm trying to find that letter but I missed but you can make communication with them and you will make sure some on toke my personal information amd I was seeing inquires on my credit report I never consent or allowed. Please check with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
XXXX ( XXXX ) XXXX Called from multiple numbers including unknown numbers back to back and told me they can call up to 8x in a day using 8 different numbers. This is harassment and deceptive using unknown and multiple numbers to trick the debtor. I cant get ahead with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: OK

Complaint narrative:
Spoke with a card services member with contentinal finance. About a payment I had scheduled on XX/XX/XXXX using my XXXX  / checking account with XXXX XXXX XXXX XXXX. Contentinal finance told me the transaction was declined due to no funds. I contacted XXXX XXXX and was I formed I have over {$300.00} in my account and XXXX declined transactions since XXXX. I verified multiple times that there are no account restrictions on my account. I then called contentinal finance ( verve card ) back informed them about the information XXXX XXXX gave me and even verified all account information with contentinal finance i was then told different stories about my bank beinf the issue and the. Was told they are getting an error code telecheck nfts not offered. Contentinal finance then informed me telecheck was blocking my transaction from processing and advised me to contact them. I explained to contentinal finance that my bank is not declining anything as it would show on their records. Contentinal finance then told me I was late and needed to pay the late fee due to the declined transaction on their end and the interest included. They informed me nothing was wrong on their end and refused to check/take action to verify their system is intact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days investigate and send me the results.

And They also didn't even record the current status of the disputed information which is another violation.

I have all the evidence attach below.f

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

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. 


XXXXXXXX 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section stats : 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 non-monetary relief
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: UT

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. 


XXXX XXXXXXXX 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 XXXXXXXX Has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section stats : 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 explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lewis, McDonnell & Associates
State: LA

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with the account listed under Lewis McDonnell and Associates and validation was requested as this is an account that I did not recognize. The credit even threatened to sue me. I reviewed my credit report again on XX/XX/XXXX and the account continues to be reflected on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. After reviewing again on XX/XX/XXXX there have been no updates and the account is still reflecting on my report. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account not authorization to attempt to collect in the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
This account is fraudulent due to Identity Theft. This is not my debt. A woman has been using my information to rent homes/apartments. I have filed a previous police report for another matter. The woman was arrested and later released. I have contacted Genesis Credit Management and was required to file this complaint. 

Genesis Credit Management ( XXXX ) XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX XXXX & XXXX : XX/XX/XXXX Lease Dates XX/XX/XXXX, XXXX XXXX, XXXX Move out : XX/XX/XXXX Debt {$10.00}, XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have checked my credit report and saw items appearing that I am not aware of. I already have sent a dispute with the credit bureaus demanding to make an investigation and delete these items on my report but I have not received any response and this is a violation of my rights. Below is the item appearing. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I pulled my three ( 3 ) credit reports on XX/XX/XXXX and found a collection that is currently being reported by Portfolio Recovery Associates , LLC. 

I sent this company a letter dated XX/XX/XXXX seeking more information and " Validation '' of this alleged collections. 

The company responds via letter dated XX/XX/XXXX by sending me a one ( 1 ) page response informing me of when they purchased this debt, but no supporting information such as 1 ) First date of Delinquency 2 ) Sumary of Account Activity 3 ) Contractual Agreements How can you deny that the information you are suppose to investigate from an electronic file, be accurate, without providing the consumer the information that " you '' have reviewed? 

I sent them a second letter on XX/XX/XXXX, with the same request as I did in XX/XX/XXXX. They responded on XX/XX/XXXX likewise with no tangible or authenticated information for me to review and assess if this debt truly belongs to me. Instead, they refuse to invesitage and informed me that no further replies will occur. 

I do not have any information from them, only that they purchased a debt that is accurate to them. They have violated all of my consumer rights pursuant to 15 USC 1692g ( a ) ( 1-5 ) ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have checked my credit report and saw items appearing that I am not aware of. I already have sent a dispute with the credit bureaus demanding to make an investigation and delete these items on my report but I have not received any response and this is a violation of my rights. Below are the items appearing. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: UT

Complaint narrative:
I was in an accident and was rewarded money from it. I called truist to let them know that I wanted a wire transfer to a car dealership. They said that I could. But instead of them wire transfer into the the car dealership, Truist sent them a check DURING THE MIDDLE OF A HOLIDAY! 
I was in need of a car since I did not have one, so I called them to get things straightened out. I was then told that I could not wire transfer unless I was in a physical location. I couldnt because I was in a different state. Well, I decided to wait for the dealership to receive the check. They havent yet received the check! Now Truist wants me to PAY THEM ( TRUIST ) for canceling the check. Im not paying out of pocket for something I did not do. I was once again told that I could wire transfer and after a few days I called back to do a wire transfer and said ONCE AGAIN that I could not do one. The check was sent out on the XXXX of XXXX and was to arrive XXXX. Its now the XXXX and I have no car and no way to work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Received a check XX/XX/22 for XX/XX/22 I deposited XX/XX/22. Account was blocked for fraud the next day I called them and told them I got the check from my employer and we are on vacation for the next 10 days thats why I received it early. I deposited it early thinking it will still take 7 days to post. I called XX/XX/22 and speaked to someone and that person said my account will be closed and the remains balance will be sent in a check. I told them I had prove of previous pay stubs that this employer is legit and the check is legit. I honestly shouldve waited to deposit the check but closing my account please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX I paid {$15.00} due on account XXXX in cash at XXXX  store # XXXX in XXXX XXXX Michigan. The associate did an account look up with my social security and ended up applying the payment to an inactive Ann Taylor account ending in XXXX. No one at the store helped resolved this, and Comenity has not resolved the issue since submitting it on XX/XX/22, In the meantime, I'm worried for my credit score, and when calling their customer service number, no one will help me. My balance due is now over {$100.00}. If you can expedite the resolution it would be appreciatied.

Company response to consumer: Closed with monetary relief