vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
My property, XXXX XXXX XXXX XXXX, XXXX, VA XXXX was purchased in XXXX, XXXX. At the time, the address was XXXXXXXX XXXX XXXX XXXXXXXX, but the country changed it to XXXX XXXX XXXX XXXX. The mortgage was originally with XXXX, but it was transferred to XXXX XXXX. XXXX XXXX asked for proof of insurance and I provided it, although numerous attempts to change the name of the address were ignored.In XXXX of XXXX, Newrez LLC purchased the mortgage and I paid them the amount-usually with an additional sum to reduce the principal. At the beginning of this year, Newrez informed me that in the absence of insurance, they would start collecting an escrow amount. I promptly had my insurance company, XXXX, send them proof of insurance. The company sent me an email that it had received this. It nevertheless continued to include an escrow amount in the mortgage statement. I called and a representative told me that the insurance was for a different address. I told them that XXXXXXXX XXXX XXXXXXXX XXXX. no longer existed, and he gave me an email address to which I could send a copy of my tax. I did so, but Newrez continued to include the escrow in its statement. i called and was told that I had sent it to a wrong office. I then sent another copy of my tax to the new email address. Newrez continued to collect escrow. I called again and was told that they needed proof that it was covered by XXXX. I had XXXX XXXX send them proof of address change, proof of XXXX and proof of tax receipts. Newrez sent me a letter stating that the escrow amount would increase. In all of this time, I have only received three letters from the company. The first asking for insurance proof. The second one in late XXXX telling me that the problem was too complex, and the 3rd informing me of the increase in escrow. This is either incompetence, malevolence or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: OH

Complaint narrative:
I have received information regarding a debt being claimed against me. Through my rights, per 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party is making the claim. After receiving such information, I will review and respond within the 30 days allotted by federal law.

If it is found that there is no evidence of this debt under my name, I will demand that all credit bureaus and financial institutions be made aware and corrected promptly, or I will file a complaint with the local or federal agency.

Upon receiving this letter and immediately responding to this request, I am requesting telephone communication. I am aware of the request for payment by your company, and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

In addition, the following documents are to be included with this response : 1. The original contract with the original creditor has my signature on it.

2. Payment history with the original creditor.

3. Proof of debt assignment.

I appreciate your efforts and look forward to your immediate response.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: GA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: AMA Advisors, LLC.
State: CO

Complaint narrative:
On XX/XX/year> I filled out an application with XXXX for a land loan. The lender recommended a HELOC loan to help with the down payment. I was approved for {$55000.00}. On XX/XX/XXXX the lender advised me the loan could not be approved. I did a written cancellation on " The Right Of Recession ''. I received an email back with approval of cancellation.I found a new lender who was able to give me the loan I needed and started to move forward with the process. He did a title search on my home and found a " Deed of Trust '' attached by Homebridge. this had been filed under 24 hours after the HELOC loan was approved. After numerous emails by me and my new lender we were able to have the Deed removed. The deed was on my home for almost 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CT

Complaint narrative:
I requested accurate information from the collection company to verify the information that was sent in a summary report. The collection agency sent a generic summary report with no real charge breakdown. I then contacted the original creditor XXXX at XXXX XXXX. The agent at the location forwarded me the actual summary which had a charge with about half of what the collection agency is attempting to collect from me. They have claimed they represent the interest of the company but it seems like the interest of said company is not aligned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
Hi XXXX XXXX collection ; cfpb ; These XXXX alleged account for alleged about was due to potential identity theft issue. I am writing to address a matter concerning an alleged debt which I have no knowledge of and believe to be a result of fraudulent activity. Despite disputing this with the credit reporting agency, they have confirmed your assertion of its validity. 

I want to clarify that I have never engaged with your companies or the original creditor in any capacity, nor do I recognize any contractual obligations with them. The reporting inaccuracies surrounding this account constitute a violation of FCRA and FDCPA regulations. 

In an effort to resolve this amicably, I must insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, as well as proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following information promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this alleged matter. 
Legal basis for your collection of information. 
Legal basis for your collection of this alleged debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including any contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am also filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. Furthermore, I request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: SC

Complaint narrative:
I was reviewing my credit report and noticed inquiries that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, Consumer XXXX XXXX XXXX deposited {$4000.00} of which {$1000.00} were from U.S Postal Money Orders and {$3000.00} was a Negotiable Instrument. It was approved and reflected in the balance of account # ending XXXX. I checked this morning and the account reflected a - {$690.00} taking away all of my lawful deposits. It shows a pending check hold of {$2100.00} until midnight tonight. The negotiable instrument was denied claiming that it is an altered document that makes no lawful sense. I asked what's altered and wasn't given an answer. They also refuse to give me back the original negotiable instrument so they can trade and cash it in for 10 times more. ( Modern Money Mechanics ) The Constitution does not give we, the people rights. It forbids the government to ignore the God given Rights of the people, as seen in the 9th Amendment : The enumeration in the Constitution, of certain rights, shall not be construed to deny or disparage others retained by the people. In addition, the 10th Amendment : The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people. There is no law to discourage the people from creating credit instruments. In fact, by the 14th Amendment, 4, we need to. We must Accept For Value, the debt instruments/legal tender of the United States . As long as the debt exists, the Democracy exists. The Republican Form of Government, The United States of America, can only come back when the debt is gone. Since Federal Reserve Notes ( FRNs ) as legal tender are debt notes, an insufficient number exist, for their repayment in kind, will not cover the interest owed. Using FRNs to pay debts only increases the government obligations on debt by their creation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Value of the property is XXXX and the loan value is XXXX, I am beyond 30 % of current value of the property. 

They are making me wait 20 days to review the PMI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I applied and closed for a loan in the amount of {$16000.00}. The loan agreement was for OneMain to send a check in the amount shown in the payoff quote I acquired from XXXX. My car was to be used as collateral. XXXX still has not received payment from OneMain. I am sill having to pay XXXX for my car, with my due date for OneMain approaching on XX/XX/XXXX, I will then have to pay XXXX XXXX  XXXX have requested multiple times for my loan to be revised for the amount that was given to me that was left over from the payoff for XXXX. The XXXX payoff quote is now void due to it being past the indicated time frame they put on the letter. I have called, emailed, left messages, complained multiple times to OneMain with no help whatsoever. I returned a call from the executive office, only to not be able to get in touch with the individual who left the voicemail to me. Multiple attempts were made to contact her. My loan closed on XX/XX/XXXX. OneMain claims to have mailed the check on XX/XX/XXXX. It doesn not take nearly a month for standard mail to arrive. I am once again, requesting my loan be cancelled. Should OneMain not comply due to my multiple attempts, I will proceed with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: VA

Complaint narrative:
I have been an Elan Financial Credit card member since XX/XX/year>. I have a XXXX credit card limit and never missed a payment since now in XXXX as they reported. I have never had an issue with this small obligation monthly compared to my bigger debts. 
The month of XXXX was a very volatile month for me and my family, I had to pay a XXXX debt off, then a XXXX debt off in XXXX. 
Also, My personal accounts were getting excessive charges and fees that I had to investigate and get under control with my banks. My elan Credit card autopay must've returned back while processing while I was advised from my banks to freeze card for a periodic time. 
I did not know it would cause me to get a 30DAY LATE PAYMENT Inquiry on my report, it was never my intention to not pay a XXXX $ monthly obligation. 
Once i noticed my credit report was affected in XXXX I sent a letter to ELAN FINANCIAL Explaining it was an error and to have the inquiry removed or updated to PAID AS AGREED. 

My BANK DID TAKE THE MONTHLY PAYMENT FOR ELAN BUT IT MUST'VE REJECTED WHILE PROCESSING WHILE ADVISED TO FREEZE ACCOUNTS PERIODICALLY. 
THIS ISSUE IS EFFECTING ME AND MY FAMILY CLOSING UNDER CONTRACT AND I AM ASKING TO BE FORGAVE AND TO GET THIS REMOVED ASAP FROM MY CREDIT REPORT OR UPDATED TO PAID AS AGREED PLEASE. 

I HAVE ALSO PAID MORE OF THE BALANCE DOWN TO SHOW GOOD FAITH OF LIFE AND THINGS HAPPEN BUT MY INTENTIONS WEREN'T BAD. I NEED THIS OFF MY REPORT TO FINISH MY VA HOME LOAN PROCESS 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 non-monetary relief
Consumer complaint received 2024-07-16 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:
I never inquired or gave any authorization to pull my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I never inquired or gave any authorization to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
I never inquired or gave any authorization to pull my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX sent us to Transworld System INC for {$440.00} for collection. We do not have any account with XXXX XXXX XXXX  XXXX XXXX. We requested to email us a copy of the original application from XXXX XXXX XXXX  XXXX XXXX that the person who may have used my identity to get service or whatever they provide. They denied my request. My SS # did not matched what they have on file neither my email. 

**The credit reporting agency did not contact us. We had to contact them ( Transworld System INC ) to find out why they were on the credit reporting file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief