vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX Account # XXXX XXXX XXXX XXXX - XXXX Balance {$7300.00}, XXXX XXXX XXXX XXXX - XXXX Balance {$5400.00}, XXXX XXXX XXXX XXXX - XXXX Balance {$3000.00}, XXXX XXXX XXXX XXXX - XXXX Balance {$2900.00}, XXXX  - XXXX Charge off {$500.00}, XXXX XXXXXXXX XXXX XXXX XXXX Charge Off {$990.00}, XXXX - XXXX Charge Off {$690.00}, XXXX XXXXXXXX - XXXX Past Due {$160.00}, XXXX  - XXXX Charge Off {$350.00}, XXXX - XXXX Paid Charge Off {$8100.00}, XXXX XXXX - XXXX Charge Off {$920.00}, XXXX - XXXX Past Due {$920.00} XXXX XXXX XXXX - XXXX Balance {$160.00}, XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$40.00} 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 602 A. It also state a consumer reporting agency can not furnish a account without my written 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 non-monetary relief
Consumer complaint received 2022-06-22 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: MS

Complaint narrative:
I contacted XXXX & TransUnion about unauthorized inquiries on my credit report. Either have removed the unauthorized inquiries off my credit report. TransUnion stated it will take 30 days its been 30 days & still no update!

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 2022-06-22 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

2. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

4. XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

5. DEPT OF ED/XXXX Account # XXXX has violated my rights. 

6. XXXX XXXX Account # XXXX has violated my rights. 

7. XXXX XXXX XXXX Account # XXXX has violated my rights. 

8. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

9. XXXX XXXX XXXX / XXXX XXXX XXXX Account # 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 also states a consumer reporting agency can not furnish an account without my written 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 non-monetary relief
Consumer complaint received 2022-06-22 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: TX

Complaint narrative:
I've sent notices multiple times to the Credit Bureaus regarding Fraudulent accounts and they've yet to remove accounts. FTC Report was filed and submitted along with proof of my identity to Transunion, XXXX, & Transunion. XX/XX/22 and XX/XX/22. As a consumer I'm supposed to be protected and they have violated my rights. Due to their inability to remove items I've been denied a mortgage loan for me and my family. My next step is to file a lawsuit against the credit bureaus for 1. Defamation of character 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance 15 U.S.C. 61681n ]

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 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/XXXX I had received a text message from a scammer that I thought i was talking to my step dad. 

My mom the previous day had provided to me my step dad phone number for me to have because I was going to be somewhere else in PR and for me to contact him in case I could not get a hold of her. My stepdad phone number is XXXX but my mom gave me XXXX. 

I was not able to contact my mom and I proceed to text my stepdad. Me thinking it was my stepdad he proceed to tell me that he was surprising my mom and the gift he was trying to get her was expensive and he was asking for some help. I proceed to agree and asked how to send the money. He told me to transfer the money and I went to the Bank in XXXX, PR called Banco Popular and took the money out and made a transfer. 
then the person told me to purchase some gift cards but i was not feeling the situation and I realized something was wrong. I was on my way to meet with my mom and stepdad in XXXX XXXX XXXX and I asked my stepdad what was his number and he provided to me and I realized I was not txting my stepdad and I proceed to explain to my stepdad and mom what had happened. We immediately proceed to go the bank in XXXX XXXX XXXX ( banco popular ) and I explained to the teller what had happened. She advise me to call the bank I went to for them to submit a void. They voided the transaction and I submitted a claim. They return my money back and I was k. A couple of days later I notice they took the same amount out of my account. I proceed to call the bank and they advise me to submit another claim. An average of a week and half went by and I called the bank and they said the denied the claim. 

Up to last week this scammer has txt me. The scammer even had provided to me another bank account number because he wanted me to make a transfer to another bank. 

I have provided to Banco Popular all my text message and evidence that was a victim of a scam. 

I have provided all of my conversation and both numbers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-22 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: MS

Complaint narrative:
I contacted Equifax XXXX XXXX about unauthorized inquiries on my credit report. Either have removed the unauthorized inquiries off my credit report. XXXX stated it will take 30 days its been 30 days & still no update!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: SC

Complaint narrative:
In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX BANK Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

XXXX5 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX CARD Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair credit reporting act, ( XXXX XXXX BANK Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written 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 2022-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: GA

Complaint narrative:
After first notice on two of my credit report that I had pulled the year ending XXXX, XX/XX/XXXX, I did an online dispute, with ( XXXX ) ( XX/XX/XXXX ) debt was not mine, never live at the *address, or did not have such an *account that I am aware of. I no longer have the completed on the first dispute but came back saying the debt was *verified that's all. I did another dispute with ( XXXX most recently ) in XXXX ) Just recently after the reinvestigation dispute came back again with results saying verified and account updated, ( I notice *reporting dates are changing for some reason from initial reporting done in XX/XX/XXXX ) I have decided to address the collection company with a *Certified letter, sent on XX/XX/XXXX, for *action to delete/remove that information from my credit profile, I never lived at that address that I see connect to that account, and not aware of any such account exist. Show me proof of validation, history, and that they may be in violation of regulation *1006.30 Other prohibited practices ; I never receive any *information/communication ever from the collectors in regard to a notice implying this debt but they reported to the credit bureaus anyway. apparently on or about XXXX XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I filed complaint, regading SPS Serving not providing XXXX with requested info for receive assistance package. CFPB opened case and closed without resolution. SPS and XXXX are not communicating. 

It is imperative that SPS submit requested info for XXXX so I can receive assistance package.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Loan XXXX XXXX XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX Account XXXX, XXXX XXXX  XXXX Account XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX Account XXXX, XXXX  XXXX Account XXXX, XXXX  XXXX Account XXXX, XXXX  XXXX BANKRUPTCY Docket Number 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had did a stop payment on a bill due to I had a more important bill due that couldnt be missed. During this time everybody XXXX near broke in America the only way you guys are willing to refund a fee is if we sick or unemployed. I been with you guys about XXXX yrs now I only ever did like XXXX refunds and all these refunds just started happening while we in the pandemic and now prices of food gas everything expensive. I would like to have my {$30.00} stop fee refunded please. Also your workers should ask if theres anything else they can assist us with instead of sounding like we being rushed off the phone

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 2022-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I know I paid the amount off to XXXX XXXX XXXX XXXX but I also applied for financial aid with them due to Im on fixed income. They did not send me any more information about if I was approved for financial assistance I also have tried contacting them many times to discuss. Then their debt collection company gulf coast collection I have written them talk to them on phone many times told them I want to dispute it and all I get is multiple phone calls voicemails a day every day something has to give and they marked my credit for this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've sent notices multiple times to the Credit Bureaus regarding Fraudulent accounts and they've yet to remove accounts. FTC Report was filed and submitted along with proof of my identity to XXXX, Equifax, & XXXX. XX/XX/22 and XX/XX/22. As a consumer I'm supposed to be protected and they have violated my rights. Due to their inability to remove items I've been denied a mortgage loan for me and my family. My next step is to file a lawsuit against the credit bureaus for 1. Defamation of character 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance 15 U.S.C. 61681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've sent notices multiple times to the Credit Bureaus regarding Fraudulent accounts and they've yet to remove accounts. FTC Report was filed and submitted along with proof of my identity to XXXX, XXXX, & XXXX. XX/XX/22 and XX/XX/22. As a consumer I'm supposed to be protected and they have violated my rights. Due to their inability to remove items I've been denied a mortgage loan for me and my family. My next step is to file a lawsuit against the credit bureaus for 1. Defamation of character 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance 15 U.S.C. 61681n ]

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 2022-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/22 I attempted to make a transfer from my savings account, XXXX to a verified external bank account. The transaction was cancelled by American Express National Bank. They asked me to fax over account details confirming the external account ... which had already been done online. I faxed the details. I even added my credit union account as a backup. Now I am unable to utilize my funds at all as there is some sort of hold on them. These funds are needed immediately and to not be able to use them nor have been advised of this hold is not good. I need the hold removed so I can move forward with my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
There is zero record of my Master Promissory Note for this loan. I have made repeated requests to Navient, who was the original holder of my XXXX XXXX XXXX XXXX loan from Sallie Mae to Navient, and no one is able to produce this document. This document, which should be held by both Navient, XXXX and the Department of Education, can not be found by anyone. This loan was originated in XXXX of 2006, and has since been transferred to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Rocket Mortgage collects biweekly payments but only applies them on a monthly basis when choosing their biweekly autopay option. It waits until the due date to apply a payment even when it has collected by autopay the full payment a week or more before. 

Example : On XX/XX/XXXX Rocket deducts a biweekly payment. A second biweekly payment is collected on XX/XX/XXXX. Therefore as of XX/XX/XXXX Rocket Mortgage has a full monthly payment but instead of applying that full payment on XX/XX/XXXX, the full payment remains in an unapplied status until XX/XX/XXXX. 

This is unfair to the consumer because it costs the consumer more interest on the loan overall than if the payment was applied when it was collected from the consumer by autopay/received. 

Moreover it is false to describe to the consumer a payment as biweekly when it is only applied monthly and/or the consumer does not receive the benefit to the amortization of loan of the early full payment autopay collected by Rocket. 

It's unfair to the consumer that the Mortgage servicer holds the payment in a pending status and receives the benefit of that money for a week or more until applying it against the principal and interest. Over the life of the loan this is thousands of dollars that belong to the consumer that the mortgage company is capturing for itself by delaying the application of the payment until the due date/first of the month even when it has received the full payment a week or more before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 1. XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

2. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

4. XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

5. XXXX XXXX XXXX Account # XXXX has violated my rights. 

6. XXXX XXXX Account # XXXX has violated my rights. 

7. XXXX XXXX XXXX Account # XXXX has violated my rights. 

8. XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

9. XXXX XXXX XXXX / XXXX XXXX XXXX Account # 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 also states a consumer reporting agency can not furnish an account without my written 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 non-monetary relief
Consumer complaint received 2022-06-22 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 1. XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

2. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

4. XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

5. XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 

6. XXXX XXXX Account # XXXX has violated my rights. 

7. XXXX XXXX XXXX Account # XXXX has violated my rights. 

8. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

9. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # 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 also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation