vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I requested through BSI mortgage online portal a Covid foreberance. I have called multiple times and I have received nothing. I call customer service and ask and they keep telling me paperwork is in the mail. It's been about 1.5 months. I am current on my mortgage and never been late but I am struggling financially and this is a hardship. My last call was today to follow up and the representative named XXXX started asking me why I applied for Covid forbearance and I told her I was laid off work, she wanted to know Why or how this was Covid related. I honestly was offended and she was raising her voice to me and I asked her why she was upset. My family was affected by XXXX. She kept insisting on for me to provide her a valid reason. I don't understand if she wanted proof. I had already filled out the application online and explained my reasoning for the request. She still kept insisting she needed more reason.Please assist me. I am current but if I don't get a job soon I will get behind and I don't want to lose my home. XXXX XXXX XXXX XXXX XXXX Covid has affected the entire world, including jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank charge {$23.00} on {$700.00} dollars for 30 days XX/XX/2022 and that is not the 13 % / 12 months. 
Further I do not agree to compound interest.

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 2022-02-16 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I want at a minimum a partial refund of {$1600.00}. I was back-charged an additional $ 700+ for services that I had already paid for, and was forced to pay a further $ 900+ 17 days ' worth of services I never received. I only should have been billed for services from XX/XX/XXXX to XX/XX/XXXX, but because I was leaving their services, the merchant forced me to pay more for the services I received in XXXX, despite finishing paying that invoice, just because they didn't like the fact I was leaving! And they made me pay for services from XX/XX/XXXX to XX/XX/XXXX, which I never received! Just because they made the services available, didn't mean I wanted them! I wanted to leave their services to sell my computer equipment while it was still valuable, not be locked into paying for their services, especially since I had no contract! They threatened to sell my property if I didn't pay. This is extortion. This merchant is a scam! I want my money back. 

I do not agree with the previous closure of this case. Dear Chase, PLEASE REVIEW MY DOCUMENTS. I make clear how the merchant used shady accounting practices and the threat of extortion to take my money. I will be taking this to court if I do not receive my partial refund. 

The XXXX dispute " decision '' was under review when I asked for Chase to initially step in. Please do not just look at that and decide the case is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: MD

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, and I noticed multiple unauthorized credit inquiries had been made. 
I contacted the sources listed below, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the inquiries on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: VA

Complaint narrative:
I Consumer XXXX XXXX am writing the complaint on my own behalf. I am a consumer who have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) XXXX XXXX has violated my right to privacy by furnishing information about me without any lawful authority. XXXX XXXX is a also in violation of Regulation Z XXXX ( d ) ( 2 ) which states that a creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. XXXX XXXX was sent a billing error notice as well as a billing dispute. A consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. I was not given the chance to opt-out of having this reported information by XXXX XXXX and this is a violation of 15 USC 1681a ( 2 ) ( iii ) and must be removed. A consumer reporting agency needs written instructions by, I the consumer to furnish a consumer report. without written instruction consumer reporting agencies has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumers report. By definition XXXX, XXXX, and Experian has committed identity theft. This is a violation of 15 USC 1681b ( a ) ( 2 ) and the information associated with XXXX XXXX Must be removed. XXXX XXXX was also sent a cease and desist which also stated that they must cease and desist communication through any and all mediums including my consumer report. XXXX XXXX has continued to report on my consumer report as a way to extort me for money 18 usc 894 which says that the collection of extension of credit by extension is a criminal offense and any two or more parties involved with the collection of an extension of credit through extortion are involved in racketeering.

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 2022-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I've been requested Capital One 360 provides the following information since the user agreement is spread around and we can not find the relevant information. 

If we do have disagreements, where we should go to solve the issues? Currently I can see the user agreement from the website indicates arbitration or courts, but I don't see the checking account dispute resolution. Please advice and send me the user agreement with related terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
pursuant to 15 USC 1681a, ( e ) investigative consumer report EXPERIAN HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY OR Associates. According to under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report ... according to 15 U.S. Code, 1681b ( a ) ( 2 ) 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. EXPERIAN is breaking federal law by not receiving written consent from I the consumer before furnishing a 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 2022-02-16 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-16 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: DE

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is an account from XXXX XXXX/ XXXX  account number XXXX which is on my credit report and does not belong to me. I have tried to dispute with the credit bureaus but am not able to dispute online with Experian due to security reasons. XXXX document upload would not allow me to upload documentation. 
The credit bureaus have made it very difficult to correct errors on my report due to technical difficulties with their websites. 

I need to dispute this account as it does not belong to me. I contacted the collection agency responsible and they sent me a notification this would be corrected and I need to ensure it is corrected immediately.

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 2022-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Express Collections, Inc.
State: TX

Complaint narrative:
I am not disputing the debts that I owe ; I am disputing that the following accounts on my credit XXXX XXXX ( XXXX ) and Express Collections ( XXXX ) XXXX {$3500.00} ( XXXX XXXX XXXX XXXX ) had negatively impacted my score in XXXX. The collection companies have added the debts back to my credit report as of XXXX. This impacted my credit score negatively again. The collection accounts were added as if they were new accounts. I have been working hard on getting my credit back on track, my score went down by XXXX points once this was done. I have written all 3 credit bureaus and I have stated the rules about reaging accounts. They keep responding by saying the debt is valid, I am not disputing the validity of the debt. Please explain to me if this a good practice as I researched and per regulations this is not. I need someone to assist me on this. They credit bureau takes XXXX when you are late or fall behind, but they add XXXX points when you are back on track and making on time payments and this is not fair!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
After filling a complaint against Select Portfolio Servicing on XX/XX/2022, concerning the closure of my escrow account, pertaining to my home taxes and home insurance. And after I complained about receiving my monthly statements late, I was notified on XX/XX/2022 that SPS had caused my credit to drop XXXX points. I have never paid a payment late. SPS is practicing unscrupulous, corrupt behavior. SPS did close my escrow however, now the payment is wrong. It shows principal and interest as {$550.00}, when the correct amount is {$530.00}. What this company is doing is illegal and they are not complying with the law. It is against the law to report lies to the credit bureau out of retaliation. The practices within this company is against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: WV

Complaint narrative:
There are 147 soft inquires showing on my credit report that are not permissible and where not authorized, experian is constantly changing the information on my credit report such as name, address, credit accounts not reflecting all 48 accounts including refinanced accounts they are just reporting them closed and they are not close, accounts reporting with two statuses to confuse the scoring system as it only scores from any account that has only one status.

Letter of intent mailed XXXX  if report is not corrected complaint will be filed under section 609

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 2022-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have paid and held an account with XXXX to monitor my credit reports with TransUnion, XXXX XXXX XXXX. I recently applied for a new apartment and they ran my credit through TransUnion. The TransUnion credit report reported a criminal/traffic conviction for an open container with a filing date of XX/XX/2003 ; yet my account with XXXX never registered any of this information. 

I have disputed the information directly with TransUnion and I received confirmation that this negative mark on my credit would be deleted. 

I have provided the Consumer Financial Protection Bureau with a copy of the report in order to bring attention to the systemic practices of linking incorrect information on ones credit report solely based on a persons name without maiden name, age, birth location, social security number. There should not be negative records assigned to multiple credit reports solely based on a common name without identity verification.

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 2022-02-16 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: DE

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: DE

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-16 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: MD

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, and I noticed multiple unauthorized credit inquiries had been made. 
I contacted the sources listed below, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the inquiries on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX Inquiry date : XX/XX/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 2022-02-16 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: MD

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, and I noticed multiple unauthorized credit inquiries had been made. 
I contacted the sources listed below, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the inquiries on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. 
XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/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 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX CARD XXXX {$2400.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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