vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Blackhawk Network Holdings Inc.
State: WA

Complaint narrative:
I have a prepaid XXXX  Debit card from myprepaidcenter.com and issued by XXXX in the amount of {$75.00} which expired on XX/XX/22. I tried to use the card and was not able to due the expiration. I called the company and was told those funds are lost and can not be re-issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
On the statement dated XX/XX/XXXX there is a cover letter included with this complaint. That cover letter states that if I want to despute any portion of the debt owed to do the following. 

" How can you dispute the debt? 
Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 
If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents.

What else can you do?

Write to us and ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. '' On XX/XX/XXXX I called and spoke to a service rep and was hung up on. I called back and waited for 40 plus minutes for a supervisor that then hung up on me again after she stated how she needed to educate me. 

I asked them both to validate the late fee of {$88.00} on this mortgage as I believe it is incorrect. They both went back through statements from prior servicer and did not find an instance where a late fee was assessed. I asked for it to be removed and they did not. They became argumentative and hung up. The loan was transferred to the prior servicer in XXXX of XXXX. Before that the loan was with XXXX XXXX and I reviewed those records back to XXXX of XXXX. I was simply doing as the cover letter asked. I am submitting this complaint because I doubt that they will follow up. Both reps stated that the late fee was listed on a statement with the prior servicer. I am not disputing the age of the late fee I am disputing the validity. I am requesting this late fee be validated or for Fay Servicing to stop collecting on that debt. 

Also my previous complaint to CFPB mentioned an incorrect Escrow analysis. Fay Servicing acknowledged the error in the escrow analysis. After submitting the previous complaint I called on XXXX the XXXX and again on XXXX the XXXX and requested a corrected escrow analysis be completed. As of yet it has not been done. I believe I am entitled to a correct accounting for all future escrow activity. Let me know if you can comply with request as it is the 3rd time I bring it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: CA

Complaint narrative:
On XX/XX/2021 XXXX XXXX XXXX checked my personal credit without my given consent On XX/XX/2021 XXXX XXXX XXXX checked my personal credit without my given consent

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 2022-07-20 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a dispute to trans union and XXXX  and it came back all information verified I dont see how when Date last activity is different trans union have XX/XX/XXXX and XXXX  have XX/XX/XXXX Date Opened : trans union XX/XX/XXXX and XXXX have XXXX.Account Description : tran union have joint account and XXXX have individual accounts.Account Status : trans union have open and experian the the account close. Account XXXX is the same difference date the fair credit act states credit reporting be 100 % accurate information every step must be taken to assure the information reported is completely correct therefore these accounts should be deleted

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 2022-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I pulled my credit reports and noticed this organization reporting on my credit reports. My first initial communication with NCB Management was a certified debt validation letter w/ tracking numbers XXXX ( that was delivered XX/XX/2021 ). I never received an response from NCB MANAGEMENT. I called them up on XX/XX/2021 and was told they responded to me through email. I never received an email from NCB Management regarding this account. I then requested for them to respond to that letter through USPS mail and was then given the run around and asked numerous of questions as to why I want this information. The rep was super rude and didn't help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to FCRA section 605b, credit reporting agencies are required to remove or block any accounts that are identified on an identity theft report. I've added a few files to help prevent inaccurate information from being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7800.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX  XXXX Balance Owed XXXX {$3400.00}

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 2022-07-20 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: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX  checked my personal credit without my given consent On XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX checked my personal credit without my given consent On XX/XX/XXXX, XXXX  XXXX XXXX checked my personal credit without my given consent

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 2022-07-20 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
This is a continuation of : XXXX I heard from the president 's office, this took another 4 calls with them to fix and I finally got my check for {$71.00}. A nice woman called and asked if I wanted to close my account and I did not call her back as I had 1 ) moved to a new home and my time was a bit scattered and 2 ) I changed jobs and was also onboarding. I received another bill from Barclays for {$4.00} for an XXXX ride in XX/XX/2022. Once again, this is not my charge. Barclays had allowed someone to run up XXXX rides on a card that was 1 ) expired and 2 ) had never been activated. I am so truly disgusted with this company. I do not know how any credit card that is 2 months expired or has never been activated and was in my home could be stolen. I also don't know how they can tell me everything has been solved and I can close my account and then send me another bill. 

I called the office of the president directly when I received the most recent bill and they have not called me back. It's been over a week.

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 2022-07-20 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 XXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : States that 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 2022-07-20 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: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
I received an email from XXXX informing me that there was a recent change to your information so I reviewed it and noticed that Nordstrom was on there and I never applied for no credit card. I immediately called them and they validated that it was me and that all my information was used based on what would be on my drivers license the lady said and they knew my whole SSN. I informed her to mark it as fraud and she did according. The lady informed me to call Social Security but they said there is nothing they can do for me and to call the credit bureaus. I called them and since I have an active fraud alert on my account they advise that I freeze my account for every single one which I had done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 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: CA

Complaint narrative:
In accordance with the fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... 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 : also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I returned a phone call because Id received a strange message from a number indicated as XXXX where an XXXX claiming to be from XXXX XXXX was calling to inform me that theres a docket number XXXX however not regarding where, what for, why just Id only be given two attempts to resolve so of course I wanted to know what was going on. I became sick from my nerves because of this message seeing as theyd called after hours and left this voicemail Id figured it was something I was missing I called that number back where no one not one would fully confirm to what establishment I was calling to. 
They transferred me to a male where he basically was trying to get me to agree to pay a debt thats way past Statued of limitations/time barred saying its for Bank of America .

I dispute this claim seeing as hes mentioning under Florida law theres no Statued of limitations on this debt where I question him since Ive only returned to Florida after 20 years and only been back to the state not even 2 years and I havent had any affiliation with Bank of America perhaps over a decade. He was telling me they were going to garnish my wages despite the fact that I disclosed Im XXXX, on XXXX, not working and theres definitely a Statued of limitations here and he claims the case was opened in XXXX where again Ive not had ANY active account with them for a very long time so Hes talking over me, threats, trying to scare me and tries to say I knowingly wrote a bad check and I stopped him saying who writes checks anymore and again hes wrong this isnt a mediator this is a lying debt collector because all this is invalid. Hes reading me my social security number trying to get me to confirm my address here and old address trying to get me to pay or their coming for me and all of this is false. 
I know XXXX XXXX XXXX have been harassing me as well as Ive put in credit disputes indicating the same on Statued of limitations but its not been any Bank of America on my reports so thats false information and scamming beside the fact these companies continue to XXXX me when Im not working, theres a Statued of limitations on them it has to be from XXXX any debts XXXX XXXX wouldve purchased and with each dispute their marking it as new debt in my reports when it is NOT and I dont have ANY Bank of America account in years years beside which Im XXXX contingent, XXXX, XXXX and their ruining my credit further Im trying to fix where not to Bank of America or ANY old original debtor have I ever meaning NEVER have I given permission to sell my information to any third parties and all my secure information as in social security etc I want it to stop

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 2022-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
1. ) XXXX to XXXX : HMDA-LAR Public Disclosures obtained from the National Archives show that XXXX XXXX XXXX employed by XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX. operated a nationwide, direct-marketing Boiler-Room in XXXX XXXX, Pennsylvania, which from XXXX to XXXX originated XXXX Subprime Mortgage Loans to financially-distressed consumers ( many, if not most, of whom were of XXXX XXXX, XXXX, and XXXX descent ). The Toxic Mortgage originated were first sold them to XXXX XXXX XXXX  XXXX, XXXX XXXX who submitted them via Certified HMDA-LAR Disclosures using Respondent ID ; XXXX, This XXXX  Bank then sold XXXX of these Toxic Mortgage Loans to it XXXX  Bank Affiliate : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; who then re-submitted them via certified HMDA-LAR Disclosures using Respondent ID : XXXX ( Thereafter, both XXXX XXXX XXXX  claimed ownership of these Toxic Mortgage Loans mortgage loans until XXXX. ) 2. ) XXXX to XXXX : On XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX outsourced the Servicing Rights to hundreds of these Toxic Mortgage Loans to Select Portfolio Servicing, Inc., a Utah-based Debt Collector/Portfolio Disposal Company ; and four days later, on XX/XX/XXXX, XXXX XXXX  XXXX, XXXX XXXX. sold its Co-ownership in these Toxic Mortgage Loans to XXXX XXXX XXXX XXXX XXXX XXXX Both of these actions were designed to conceal the existence of these XXXX-Originated Toxic Mortgage Loans from DOJ Fraud Investigators during the Discovery Phase of the XXXX RMBS Trust Certificate Lawsuit. Serendipitously, these fraudulent acts denied many of financially-distressed owners of these Toxic Mortgage Loans ( many of whom were of XXXX XXXX, XXXX, and XXXX descent ) of their rightful shares of the Consumer Relief/Restitution XXXX XXXX XXXX XXXX, XXXX XXXX, Select Portfolio Servicing, and XXXX XXXX XXXX XXXX XXXX used the Eleventh-Hour Outsourcing Maneuver to hide the XXXX XXXX-Originated Toxic Mortgage Loans originated by XXXX XXXX  XXXX at the XXXX Boiler-Room between XXXX and XXXX ; but had the guts to claimed that they were unaware of the level of toxicity of home mortgage loans they purchased from Subprime Market-Leaders XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
PHEAA sent 2 notices on XX/XX/2022 to my email claiming that the account was 26 days past due. 

I called on XX/XX/2022 and made a payment over the phone using my Debit Card. The transaction is listed as a pending pre-authorization and will be cleared by XX/XX/2022. PHEAA then sent another notification at XXXX on XX/XX/2022 well after the payment was already pre-authorized and handled. Additionally, PHEAA 's phone system claimed the account was 25 days past due, not 26 days past due on XX/XX/2022. 

I am being harassed by PHEAA, despite efforts made in paying a bill. PHEAA continues to deflect responsibility for this violation of rights. No human being deserves to be sent communications claiming the account is past due after a payment was processed regardless of whether the incompetent company fully received it or not. They can only address delinquency after a payment gets returned. Until then, they are to treat the payment as a payment. PHEAA agents have explicitly stated they would misreport to the Credit Bureaus if the payment didn't get processed on their end by 30 days past due for an account. This is concerning, because borrowers have no control over how PHEAA processes payments. In addition, for all we know, PHEAA agents may deliberately prolong this process just to retaliate against borrowers. 

Based on past experiences with this agency, agents follow protocol and do not truly understand who is in control. Then the agents become intolerable to deal with because they do not know how to deal with the public, those of us who become frustrated by the lack of knowledge from Representatives. 

Received twice on XX/XX/2022 ( once in the XXXX and once in the XXXX  ) : Hello XXXX : Your student loan account is almost a month past due. That means collection activities will continue. Send your payment as soon as possible to avoid emails, letters, and calls. 

Failure to clear the delinquency could result in the following : Negative credit reporting Your account being assigned to a collection agency Delay or disqualify you from incentive programs that the lender may offer, such as co-signer release, interest rate reductions, and rebates If you haven't made a payment, please do so today. The easiest and fastest way to make a payment is online. 

PHEAA agents also ask repetitive questions every time I get a separate agent ( even if I'm being transferred ) like has my address or phone # changed since the last time I spoke to someone ( even if it was minutes prior ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: VA

Complaint narrative:
I received your response to my previous dispute via CFPB complaint number XXXX, and I still disagree with your investigation response and I am aware you did not complete a proper and full investigation which is defined by 15 usc 1681A ( e ) : investigative consumer reports federal Law ; which you admitted your guilt to violating in your response to the dispute. 

I have also attached your response to this letter as exhibit A. According to 15 usc 1681a ( e ) the only way to legally validate and investigate a consumer report is to to conduct personal interviews with neighbors, friends or associates of the consumer. The federal law explicitly states that you can not use factual information from a consumers credit record obtained directly from a creditor of the consumer. In your response you stated that you verified the accounts through electronic communitcation with the creditors of me ; the consumer! No where is your reponse did you state that you conducted personal interviews whichs means ; YOU DID NOT INVESITAGE ITEMS LEGALLY! 

So for your negligence I demand you to re investigate the items listed below which still remain on my consumer report. If you can not validate these items properly and legally as defined by 15 usc 1681A ( e ) they must be deleted or updated per my request immediateley, without hesitation, or rebuttal. Also in regards to the late payments on the XXXX XXXX account, XXXX XXXX was not able to validate late payments and have updated payment history, How are you able to validate this account if they cant? this is false information and should be updated to paid as agreed. I have attached a copy of my consumer report with updated payment history labeled exhibit B.

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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed the folowing fraud account still reporting on my credit file : XXXX XXXX XXXX  Account numberXXXX. I have supplied Experian with the federal police report to show I am I victim of identity theft and this company has caused harm to my personal injury. 
I have noticed Experian has removed multiple good standing accounts causing personal injury to my credit worthness/credit file : XXXX XXXXXXXX Bank XXXX Account XXXX XXXX XXXX Bank Account numberXXXXXXXX XXXX Bank Account XXXXXXXX XXXX Account XXXX, XXXX Account XXXX, Account XXXX XXXX XXXX Account numberXXXX. I need the following accounts recerted back on to my credit file immediately. 
I also have no access to my credit file when making purchases, logging online, and checking my credit/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief