vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
on the XXXX of XXXX i got a call from a real estate investor wanting to buy my property, he said my house was scheduled to sell on the XXXX of the same month. the next day i contacted the mortgage company and they said they sent me a letter which I still have not received, they said they posted the documents on my from door, but nothing was attached to the front door. and I have XXXX ' tall gates .nobody can even get to my front door unless i allow them to.. I never got served nor did i get a certified letter nothing.. They won't modify my loan, so I applied for mortgage relief via government website and they are in the process of modifying the loan and the mortgage company told me twice that they won't postpone the sale date. I called the attorney and submitted a request to postpone, so i did explain the whole situation and submitted proof of my application with ca mortgage relief .org and the lawyer stated that they forwarded the email to the lender " for review ''. the lender says the attorney can postpone the sale, but then the attorney forwarded it to the lender as if they make the decision. I have $ XXXX plus of equity on this huge property and I feel as though the lender is wanting to be the owner of this property..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting 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: WI

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


Account Name : XXXX XXXXXXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
i have discovered that Barclay has been applying finance charges to our account after the balance subject to finance charges has been in full each month. ( XXXX, XXXX and XXXX ). I also discovered that the interest rate was increased by 0.25 % in XXXX without notification. 
I send an email to the website and ask for an explanation why finance charges were applied to the account where the balance subject to finance charges has been paid in full before the due date. I received. A response next day that the finance charges accessed is correct. I called and spoke with XXXX at XXXX today, XX/XX/XXXX, and again ask about the finance but she can not explain why after i walk her through with the statement and payments. She told me that ID # XXXX has reviewed the account and i will be receiving a letter in the mail. 

XXXX- the balance subject to finance charges was $ XXXXdue on XX/XX/XXXX, multiple payment was made before the due date to cover the balance but finance charges of {$9.00} was applied to the account. 
XXXX- the balance subject to finance charges was $ XXXXand {$16.00} finance charges was applied. 
XXXX- the balance subject to finance charges was {$810.00} and {$16.00} finance charges was applied. 
I have attached the statements for XXXX, XXXX and XXXX to show the accuracy of my complaint along with the payments posted in the account. 

Barclay is applying the finance charges incorrectly.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am asking for help with my investigation this company is re-insert previously deleted accounts and have re-inserted the accounts on my credit report I have attacted three accounts the were deleted and now re-inserted on my credit file causing me to lose my employment and now going though financial hardship please help with accounts. 
XXXX XXXX  Account # XXXX DEPT OF EDUCATION/XXXX  Account # 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 2023-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NC

Complaint narrative:
This is in reference to the dispute filed against XXXX XXXX  from XXXX On XX/XX/23 I was contacted by a local plumber service- that then quoted the amount & then I gave the gentleman my contact number were XXXX XXXXr XXXX XXXX This is who XXXX XXXX is! XXXX They quoted over the phone - also text messages from the picture attached. 
{$110.00} then the service call to be added {$63.00} a total of {$180.00}. 
I sat the appt upon arrival I was met with a gentlemen who gave me an XXXX which I signed for service. The quote was {$180.00} to repair a gasket around a basement pipe. I sat upstairs for the XXXX min until he repaired the service after the ladder arrived- his partner then ask for payment- I gave him my PNC debit card for payment of {$180.00} that I was quoted & at that time he said it was declined???? I then ask how much did he run it for bc at that current time there was {$390.00} in my account. 

He proceeded to tell me {$1000.00}!!!!!! I said no sir!! Are you insane- this was not approved or authorized- not to mention quoted. Basically when he swiped the card he took every DIME TO MY NAME bc the {$1000.00} wasn't in my account. So it took what I had which was {$390.00}! These XXXX can't even give you a tital bc they made it up!! They said {$390.00} bc if you will look that's what I had to take & all I had to take!!! 

This is a total scam & rip off! We then had words & I ask him to leave my home immediately- I placed a call to the police at that time- they finally left! Services not completed fully either!!!! 

I then called PNC where I was directed to call back after the charge post to my account which posted XX/XX/23! I went 2 days with no money due to this company!! 
I was given a provisional credit & told I would be emailed or mailed a letter to provide my side of the story & any evidence! Especially bc he lied about the total when arriving and singing then swiped my card for what they wanted to which WAS AM ENTIRELY DIFF AMOUNT and not what was promised & quoted!! 

I have been a customer for MANY MANY years WITH PNC! I have family that bank here bc we live all in the same community- I'm very disappointed I was done this way! I woke up Saturday XX/XX/23 to find {$270.00} was deducted from my account with no prior notices- emails- calls- mailed letters! ( Oh by the way the letter PNC mailed was in the mailbox that Saturday morning from PNC when you took the $!!! ) How terrible to do your loyal customer this way? I didn't get to provide any of my truths- evidence or side of the story on top of what I was promised! Just 3 months down the road PNC comes into my account & takes out the provisional credit that was given!!!!! Now Im overdrafted of {$270.00} now after you applied the other monies to the merchant! I have been with this bank 10 years - as well as my family and business associates!! Shame XXXX XXXX is a FRAUD & SCAM!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/2023 I applied for a Sam 's club business credit card with Synchrony Bank.I thought the bank would use my small business XXXX and XXXX number to apply for the account. I thought providing my personal Social security number was just to verify my Identity, not have a hard credit inquiry done lowering my personal credit score. I was denied and my score was lowered significantly to below average. Now my score was lowered so much that my intentions of applying for a home loan is now in jeopardy.

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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My Suntrust business account was transferred to Truist and then closed. When my account was with Suntrust it was under review for fraudulent charges but once it was transferred to Truist it was closed. Truist then submitted my account to XXXX XXXX  which prevented my from opening an account under my business and also prevented me from opening a personal account

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 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
My consolidation loan application was completed on XX/XX/23 along with the XXXX request for XXXX. 
MOHELA reported consolidation loan disbursement on XX/XX/23 MOHELA reported consolidation loan payment on XX/XX/23 My consolidation Loan was placed into the level repayment plan I spoke with the MOHELA XXXX ( XXXX, XXXX, or a similar name, a trainee ) on XX/XX/23 to inquire why the plan was not in XXXX. 
She reported that she could place me in forbearance while the XXXX request processes. 
I declined as I wished for the XXXX payment to count. 
She transferred me to a second rep. The second rep informed me that MOHELA got to the XXXX request before the consolidation loan was processed and therefore tabled it and did not come back to it after the consolidation loan was processed, as a result, I was placed in level repayment due to MOHELA not reviewing the XXXX request at that time. 
The second rep stated she would expedite the processing of the XXXX request as I am eligible for XXXX and accruing interest I should not owe. 
MOHELA then Additionally, the call was XXXX hrs and XXXX min, including mostly wait/hold time. 
I checked my MOHELA account on XX/XX/23 and I see my account listed in forbearance, which I explicitly declined when speaking with MOHELA. 
On XX/XX/23 I received a letter from MOHELA that I was placed in administrative forbearance. I believe this letter initially said that I requested the forbearance but on reexamining it on XX/XX/23 I do not see this language and question if the letter has since been altered. 
I also believe that any interest that has capitalized should not have occurred during consolidation, as my loans were in the XXXX plan before consolidation and should have likewise been in the XXXX plan after consolidation, but due to MOHELA 's mishandling of the consolidation and XXXX  forms ( which should be handled together ), I have several XXXX dollars in interest accrued at this time. 
As of today, XX/XX/23, I see that I am in the XXXX plan but also forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-10-31 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: FL

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I filed my dispute because I believe the accounts mentioned in my attachment are not reported accurately or completely. The supposed clarifications or updates have left me with greater doubt. Now I want answers to these new questions but it won't let me register my dispute on its website, indicating the following message : " Dispute Temporarily Unavailable. '' I feel that any questions should be resolved and if there is no answer then they should be removed from the credit report until their investigations are completed. But they are not allowing me to make my disputes.

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 2023-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my extreme dissatisfaction with the manner in which my multiple attempts to rectify inaccuracies on my credit report have been handled. Despite repeated efforts to correct late open accounts on my credit file, the issue persists, causing substantial harm to my financial standing and overall quality of life. 

These late open accounts are causing substantial damage to my credit score and financial well-being. I have diligently followed the proper procedures for disputing these inaccuracies, including submitting supporting documentation and adhering to the statutory guidelines outlined in the Fair Credit Reporting Act. 

Despite my efforts, the errors remain on my credit report, and no corrective action has been taken. I am deeply concerned about the adverse effects these inaccuracies are having on my ability to secure loans, credit, and employment opportunities. 

I have attached copies of all correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and timely investigation into the matter to rectify the inaccuracies on my credit report. 

Furthermore, I kindly request that you provide me with a written response detailing the results of your investigation, along with any steps taken to correct my credit report within 30 days of your receipt of this complaint, as stipulated by the Fair Credit Reporting Act. 

In addition to the corrections, I also request that the credit bureau provide a written statement of the actions taken to prevent such inaccuracies from reoccurring in the future. This is essential to ensure that other consumers do not endure a similar ordeal. 

I am also willing to cooperate and provide any additional information you may require during the investigation process. 

Failure to address this matter satisfactorily will leave me with no alternative but to pursue legal action to rectify these inaccuracies and seek damages for the financial harm caused by this situation. I am asking for your assistance to correct the following late open accounts in my credit file : 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 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 2023-10-31 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: TX

Complaint narrative:
I am writing to express my extreme dissatisfaction with the manner in which my multiple attempts to rectify inaccuracies on my credit report have been handled. Despite repeated efforts to correct late open accounts on my credit file, the issue persists, causing substantial harm to my financial standing and overall quality of life. 

These late open accounts are causing substantial damage to my credit score and financial well-being. I have diligently followed the proper procedures for disputing these inaccuracies, including submitting supporting documentation and adhering to the statutory guidelines outlined in the Fair Credit Reporting Act. 

Despite my efforts, the errors remain on my credit report, and no corrective action has been taken. I am deeply concerned about the adverse effects these inaccuracies are having on my ability to secure loans, credit, and employment opportunities. 

I have attached copies of all correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and timely investigation into the matter to rectify the inaccuracies on my credit report. 

Furthermore, I kindly request that you provide me with a written response detailing the results of your investigation, along with any steps taken to correct my credit report within 30 days of your receipt of this complaint, as stipulated by the Fair Credit Reporting Act. 

In addition to the corrections, I also request that the credit bureau provide a written statement of the actions taken to prevent such inaccuracies from reoccurring in the future. This is essential to ensure that other consumers do not endure a similar ordeal. 

I am also willing to cooperate and provide any additional information you may require during the investigation process. 

Failure to address this matter satisfactorily will leave me with no alternative but to pursue legal action to rectify these inaccuracies and seek damages for the financial harm caused by this situation. I am asking for your assistance to correct the following late open accounts in my credit file : 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 non-monetary relief