vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX  has violated my rights. 
15 usc 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without written instructions 15 usc 1666B : a creditor may not treat a payment on a credit card account under and open. And consumer credit plan as late for any purpose.

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 2023-01-11 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX has violated my rights. 
15 usc 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without written instructions 15 usc 1666B : a creditor may not treat a payment on a credit card account under and open. And consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my instructions

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 2023-01-11 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
NewRez - Shellpoint Mortgage Servicing continues to be unable to provide accurate records and accounting of payments made. Have been trying to close out the mortgage for 3 months but continue to be provided with incorrect payoff statements. Accounting errors go back to XXXX of 2020. I have provided accounting that is clear of fees but NewRez can not find any errors in my accounting and at the same time does not understand their own accouting. NewRez accounting is full of false fees and credits that make their statement impossible to understand. They continue to put money in an escrow account when the property has been sold. Application of the escrow to the principal and the removal of recent late fees and property inspection costs on a property that I no longer own will bring the mortgage balance to zero. They should also provide proof of cashed checks that they claim to have provided as escrow refunds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX of FL # XXXX, Account Name : 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 crime 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 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 2023-01-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
IN accordance with the fair credit reporting act.. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681 Account Name XXXX XXXX XXXX Account number # XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account number # XXXX. Has violated my rights 15 U.S.C 1681 section 602 A. stat 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 instruction.

15 U.S.C 1681 C. ( A ) ( 5 ) section state : 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2023-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I was called from a ( XXXX ) XXXX my phone labled the call as " Scam Likely '' so I did not answer. I was left with the following message in my voicemail. 

" hi this message is solely intended for -- - my name is XXXX and I am contacting you today in regard of a legal matter that has has been forwarded to my office and has registered against you. To discuss this pending allegation and to be further assisted you will need to contact XXXX XXXX XXXX XXXX XXXX directly at XXXX & XXXX XXXX and the reference file number is XXXX if you fail to fail to correspond by the end of one business day you will be served to either your home or your place of employment for small claims matter. this call has been logged and submitted as proof that you have been notified of this pending allegation. Thank you and have a nice day '' I called the number, and I was getting an attitude as if I never thought about paying back the debt, and then given information I insisted to be sent an email to review since I was currently at work. I was given a number ( XXXX ) XXXX to call her back if there were any questions. 

The email sent me a link from a XXXX XXXX to view a document online, it was a form for me to sign and fill out how I was going to pay my debt on the remaining balance that I owe that was originally JCPenny Credit card, either in one payment by XX/XX/XXXX or in full. I noticed that the form had XXXX XXXX XXXX, there was a line of text that made me question the legitimacy of this as it refered to their company as XXXX XXXX  XXXX. When asked about it I was told there was a merger a couple days ago and that signing should be fine. I asked if she could make sure because I didnt like the idea of signing a document saying I have read it, if there is mention of a company that does not exist anymore. I then brought to her attention that the website they have was made on square space, that I was having a hard time believing that they were legitimate, and to which she responded that the legitimacy will be apparent when I am taken to court. and the call was ended.

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 2023-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to my credit report. 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 CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 U.S. CODE 6801. PROTECTION OF NONPUBLIC PERSONAL INFORMATION.I have NEVER GAVE XXXX XXXX XXXX EXPRESSED WRITEN PERMISSION TO COLLECT AND SHARE MY DATA, AND UNDER FALSE PRETENSES. DUE TO THE INFRINGEMENT AND BREACH OF MY RIGHT XXXX PRIVACY AND TO BE SAFE WITHIN MY PAPERS ACCORINDING TOTHE FOURTH AMENDMENT. THERE IS NO PERMISSIBLE PURPOSE PURSUANT TO 15 USC 1681, MY NON PUBLIC PERSONAL INFORMATION IS NOT TO BE SHARED BY EXPERIAN ALSO AS A THRID PARTY AFFILIATE. ANY INFORMATION OBTAINED AND WITHOUT MY AUTHORIZATION MUST BE DELETED OR BLOCKED. THE OBLIGATION HAS BE RELIEVED. CEASE AND DESIST ALL MEANS OF COLLECTIONS OF A DEBT. THE SELLING OF MY DATA FROM XXXX MANAGEMENT TO EXPERIAN IS AGGREGATED ID THEFT OVERALL. ANY INFO REPORTING FROM XXXX IS TO BLOCKED AND REMOVED PURSUANT TO FCRA, FDCPA AND FEDERAL LAW STATES HEREIN.15 U.S. Code 1681c2 - Block of information resulting from 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 non-monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
I tried XXXX times to request an appraisal on my home to cancel my XXXX, but BSI Financial was unresponsive or provided false information. Now that BSI Financial has agreed they need to end the XXXX  on my home, they have not removed the XXXX  from my monthly payments, have not responded to my phone calls or emailed requests for contact, and have not provided me a full letter verifying that XXXX  is removed. 

I reached out to BSI financial in writing on XXXX occasions and received either verifiably false information or was ignored when I requested removal of my XXXX  due to the Loan-to-value amount of my home and 2 years of on-time payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was advised by BSI financial teller XXXX ( # XXXX ) that I needed to " read the XXXX XXXX XXXXules '' because I was not eligible based on those XXXX qualifying conditions. I advised him I was eligible, and I did read the rules, which is why I called. XXXX then advised me to write to the wrong email address. I wrote again on XX/XX/XXXX to advise that I would be filing a consumer complaint and received a call to set up an appraisal. My appraisal occurred, and valued my home at an amount that would remove XXXX. On XX/XX/XXXX I wrote to XXXX requesting a response within 30 days of my appraisal, as required by XXXX XXXX, since they had not responded within 30 days of the appraisal. On or about XX/XX/XXXX I recieved a letter stating that my XXXX  would be canceled, based on the information attached to my cancellation letter. There was no information attached to my cancellation letter. I wrote to BSI Financial on XX/XX/XXXX to tell them I needed the second page of my letter. They did not respond. On XX/XX/XXXX, I went into my online BSI portal and saw that my mortgage was unchaged even though my XXXX should have been removed. I wrote to BSI financial again that same day requesting they call me with their plans to proceed, and to remove XXXX. I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: TX

Complaint narrative:
Trans Union, XXXX, and several other financial institutions have been sharing private consumer information without prior consent to third partys that i have no business with which is in direct violation of 6802 ( b ) ( 1 ) ( b ). Also finacial instutions have been violations 15 us code 1681 ( a ) ( a ) ( 2 ), which state that they cant report credit transaction and they have been reporting late payments which unlawfully

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 2023-01-11 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: TX

Complaint narrative:
XXXX XXXX, Equifax, and several other financial institutions have been sharing private consumer information without prior consent to third partys that i have no business with which is in direct violation of 6802 ( b ) ( 1 ) ( b ). Also finacial instutions have been violations 15 us code 1681 ( a ) ( a ) ( 2 ), which state that they cant report credit transaction and they have been reporting late payments which unlawfully

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: Nav Technologies, Inc.
State: NY

Complaint narrative:
XXXX XXXX & XXXX, Please cease and desist collecting and reporting information on my consumer credit profile. 
I am requesting a XXXX XXXX on my consumer data file maintained by XXXX. 
Do not release my consumer data file or any information derived from it to any third party of affiliate. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
XXXX XXXX has sent a collection agency to retrieve XXXX dollars not owed. I stopped doing business with them XXXX of XXXX  and switched to XXXX. mystatement via email from XXXX  XX/XX/2022 was XXXX yet they claim I owe XXXX dollar all of a sudden. this is hurting my credit score and I don't owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NE

Complaint narrative:
We purchased our home in XX/XX/XXXX and have our mortgage with Citizens bank. We have been trying to get our PMI removed since the beginning because we have always had more than 20 % equity in the home, but the original appraisal on the house was incorrect and the appraiser refused to recalculate the value ( he missed an entire full bathroom in our home, which would have added an extra $ XXXX in value ). 

We applied first in XX/XX/XXXX to have our PMI removed and requested a broker appraisal. Citizens denied this initial request because they stated that we must have our mortgage for 2 years before we can request removal of PMI. So we were told to apply for removal again in XXXX, and I was told by customer service that they would accept an updated appraisal of value ( I informed them we would be getting a HELOC with another bank and they would be doing an appraisal ). 

We got a HELOC with a different bank XXXX XXXX Bank ) and they ordered an independent appraisal. I received the final appraisal report on XX/XX/XXXX and it states that our home is valued at {$290000.00}. Our current mortgage balance is {$170000.00}, meaning we have {$120000.00} in equity, or 58.38 % LTV ( 42 % equity ). Only 80 % LTV ( 20 % equity ) is required to remove PMI on our mortgage. 

However, Citizens continues to refuse to remove my PMI even after sending them the appraisal report and formal letter requesting removal which they received XX/XX/XXXX. 

I spoke with Citizens on the phone on XXXX XXXX and they told me they would not accept the independent appraisal ( which was not ordered by me, it was ordered by my other bank ). 

They are requesting me to pay an additional {$250.00} to get a BPO - Broker Price Opinion of Value ( or {$500.00} for another full appraisal ) in order to get my PMI removed. The BPO would not be an actual appraisal, they would not see all the improvements done inside the home and they would not be entering my home at all. They go off public records such as the tax assessor site which has out-of-date and incorrect information that will reduce the home value. Furthermore, there is absolutely no reason they should not accept the appraisal I have already completed and paid {$620.00} for. 

It does not make any sense for me to pay an additional {$250.00} to get an inaccurate value of my home just to remove the {$30.00} PMI payment each month. I would actually be spending MORE money to remove the PMI than if I left it. But they should not be getting this money in the first place! 

This bank is extremely unethical and possibly even be illegal for them to make me to continue to pay PMI each month when I should never have had to pay it in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company
State: AZ

Complaint narrative:
We applied for a mortgage with DHI and received an initial Closing Disclosure XX/XX/XXXX. Our closing was moved to XX/XX/XXXX and we never received an updated Closing Disclosure. I reached out to the Loan Officer, XXXX XXXX, on XX/XX/XXXX asking for an update and a revised Closing Disclosure. She informed me I would receive XXXX on Monday XX/XX/XXXX. We never received any documents. On XX/XX/XXXX I asked XXXX again when we could expect an updated Closing Disclosure with no definitive answer. On XX/XX/XXXX, XXXX day prior to our closing, I reached out to XXXX asking for a Closing Disclosure for the third time. I informed her we did not feel comfortable moving forward with closing with only verbal closing amounts over the phone and that we would need to see a Closing Disclosure by the end of the day to move forward with closing the next day. A Closing Disclosure was never sent.

As circumstances had changed after the initial Closing Disclosure was sent, a revised Closing Disclosure should have been provided 3 days prior to closing. There was more than enough time between XX/XX/XXXX and XXXX to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Thank you for reading my request about this account with your company. I am writing today because, during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX and XXXX. I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. Thanks in advance

Company response to consumer: Closed with explanation