vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
We are behind on our mortgage and applied with XXXX XXXX XXXX  on the very first day applications opened on XX/XX/XXXX. I called XXXX XXXX XXXX  on XX/XX/XXXX as the status on my application was " third party action needed '' they stated they were waiting for Select Portfolio Servicing to send the requested documents to them the documents were requested on XX/XX/XXXX and XX/XX/XXXX. I then called SPS ( Select Portfolio Servicing ) and the Ombudsman Department XXXX said she would forward it to the people handling said program. I called again on XX/XX/XXXX and XXXX in the Ombudsman Dept. said she was sending another follow-up escalation to said people. On XX/XX/XXXX I called SPS again and XXXX in the Ombudsman Dept said they were working on getting the paperwork done and I should call the XXXX XXXX XXXX program and request they resubmit the paperwork to SPS. I keep making calls back and forth from the XXXX XXXX XXXX  to SPS every XXXX weeks and keep getting the run around from SPS but always get told by Home Help that SPS has not sent the information they have requested. In XXXX SPS requested my husband and I resubmit homeowner assistance paperwork which we did just so that they could yet again deny us help. They keep giving us the runaround and not cooperating with the XXXX XXXX XXXX program, causing more fees to be added to our mortgage. The XXXX mortgage program would be able to pay all of our arrears on our mortgage and we would be able to pay our mortgage each month but Select Portfolio Servicing refuses to cooperate. We are terrified we will lose our home, causing us to have medical problems. It's not right what they are doing and they need to be held accountable for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: MD

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

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

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: CA

Complaint narrative:
I am disputing Experian.com credit boost program. I deleted boost because ALL 3 reporting agencies has the same score ( XXXX ) so I no longer needed to " boost '' my score. On XX/XX/2022, I removed my bank account from experian. Since then, my score has not moved. 
My score is now XXXX with both XXXX and XXXX. It has been 3 months. I have contacted experian via email, and their response is vague, and never addresses my concern. 
I feel bullied into " boosting '' my score, as most lenders use Experian. I should NOT have to apply boost to benefit from my hard work of cleaning my credit. I feel that experian is holding my score hostage. And just keeps saying to apply boost. This should be illegal. 
XXXX XXXX uses Experian in their credit score model. At this time experian shows XXXX, and wells fargo shows XXXX. The experian website- With Boost. Is rigged.

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 2022-08-27 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: KY

Complaint narrative:
On XX/XX/22 I made a XXXX XXXX XXXX {$6000.00} transaction. The transaction was duplicated/billed twice to my Chase account. Double transaction fees were applied also. It has put my card over the limit. I have called & spoken to Chase representatives 3 times on 3 different days. I also spoke to a supervisor. I am being told that it is an ongoing issue that Chase is aware of and other customers are having the same problem. They have an issue that is putting my credit rating at risk. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-08-27 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
File XXXX XXXX  bankruptcy in XXXX that was discharge on XX/XX/2021. I was a co-signer of a auto loan from XXXX XXXX that was included in the BK, I never signed a re-affirmation letter. The car is in possession of the 3rd party who was initially on the contract. That person is currently making payments on the vehicle but has been late on several payments which is now being reported on my credit reports. I have written and call many times to XXXX XXXX and each department stated it is not their responsibility with that dept. I am constantly getting the round a round. XXXX XXXX has failed to respond to me are my BK attorney. According to the Bankruptcy Trustee XXXX XXXX is making it difficult to close this case by trying to collect funds that are already included into the loan.

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 2022-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: REGIONS FINANCIAL CORPORATION
State: MI

Complaint narrative:
I applied for a XXXX card in XX/XX/2022. I was approved for a card but the cards was never sent. Ive been trying the call my account rep XXXX XXXX but shes not answer phone calls Ive left messages and emails but never got a response back from her. When I called the main company line to speed with a different rep they always refer me back to XXXX. In XX/XX/2022 I filled out an second application. They have ran my credit but I still didnt get a response. Also I have verified ALL of the information that was required of the company

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 2022-08-27 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: NV

Complaint narrative:
In accordance with the Fair credit reporting act XXXX XXXX account # XXXX and XXXX account # 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 an account without my written instructions. 


XXXX XXXX XXXX Open balance {$710.00} Collection Account number : XXXX Date opened- XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX phone : ( XXXX ) XXXX XXXX  - Open balance {$390.00} Collection Account XXXX Date opened- XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2022-08-27 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:
Hello, my name is XXXX XXXX and I am a victim of identity theft!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BCA Financial Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/2022, I was treated by a medical provider through XXXX XXXXXXXX XXXX. They submitted the claim to my insurance company on XX/XX/2022, and on XX/XX/2022, XXXX issued them payment for the service rendered resulting in a balance owed by me of {$53.00}. 

I never received an invoice detailing a balance bill in the mail from XXXX XXXX XXXX. The week of XX/XX/2022, I went to their portal and found that there was a balance owed. I wrote a check for the balance and mailed it to XXXX- which they subsequently cashed on XX/XX/2022. 

I received a letter from BCA Financial Services dated XX/XX/2022, stating that I had been referred to collections for an unpaid balance owed to XXXX XXXX XXXX. It is quite literally impossible that between XX/XX/2022, and XX/XX/2022, XXXX XXXX XXXX billed me for the balance owed on my account, I had 30 days to remit payment, did not do so, and subsequently could have been referred to collections. 

On XX/XX/2022, after six months of harassment from BCA Financial Services for debts not owed ( this is the third instance ), I submitted a complaint to this agency to dispute the debt. BCA Financial services told me they would verify the debt was owed and send me proof. 

They then sent me a letter dated XX/XX/2022, claiming the debt remained outstanding. They clearly did not do their research, as once again they are attempting to collect a debt that was never attempted to be collected from me, referred to collections inappropriately, and paid as evidenced in the attached. 

The harassment and illegal business practices must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act - XXXX XXXXcount Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account 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 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 2022-08-27 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, these accounts have violated my rights. 

Account Name : 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 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 XXXX5 U.S.C 1681 section XXXX 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 non-monetary relief
Consumer complaint received 2022-08-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, these accounts have violated my rights. 

Account Name : 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 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  I Account Number : XXXX Account Name XXXX XXXX Account Number XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient will not help me when it comes to my student loan from the XXXX XXXX in XXXX. I believe I did qualify for the Navient forgiveness, but they are telling me otherwise. My loan has been in delinquency before and there were years where I wasn't making any payments. They told me the longest my account was in delinquency was 157, 13 days away from the 170 day requirement. 

I took a look at the history of the loan and went over it with somebody from customer service on XX/XX/XXXX. Every time I asked about the missing gaps of time on my account they couldnt give me a straightforward answer and deflected to the dates that were on file. Where are these missing years? Why isnt it on my file? 

Currently, my loan over is XXXX dollars, mostly from accumulated interest. My interest rate is almost 13 %. I was steered to go into forbearance multiple times thinking it would help me out. In the long run, once Navient doesn't let you sign up for forbearance anymore, it drastically has a negative impact on your credit score. Had I known that, I would have never signed up for it. I felt coerced once my credit scorXXXX took a plunge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
XXXX XXXXTruist . My loan payment was to go 30 days past due XX/XX/2022 after a sizable commission was delayed a month. After securing a personal loan from a mentor on the XXXX, I went to pay it online on the XXXX after the check cleared, and the system would not let me set the payment until the XXXX, after it's 30 days past due. So I attempt to call them after my day ended on the XXXX but their offices had closed an hour earlier. So, I went ahead and submitted the payment for the XXXX, the next day offered. Then today, Saturday the XXXX, I called, hoping they could take the payment over the phone and set it paid for that day. I was told internal collections was already handling the account so they can't take a payment over the phone (! ), I'd have to talk to them and they aren't available, which is of course Monday, the XXXX. Day XXXX (! ). So it puts someone who is already struggling a little and tried to do the right thing, making sure a deposit clears not sending a cold check online while still making a payment before it goes 30 days late into a position where they claim they legally must report it 30 days late. When they wouldn't let me pay it on the day I tried to pay it! How is that legal?! It's not like I'm trying to pay it on a weekend. I tried to pay it on a Thursday morning! And they don't have a way to pay by debit so it goes through the same day. If I go online or call to make a payment, that's the day I paid it and the day it should be reported, unless the payment fails to clear. My mortgage company counts it paid the day you pay it not the day it clears. My phone company, my utility, etc. I'm likely now set to have a 30 day late payment reported when I attempted to set the payment 3 days before the last day and then actually set the payment 2 days before because their system takes 2 days not to process a payment but to even SEND it. This needs fixed! I am just recovering from a credit standpoint from the same thing with the same company because I was told falsely that it was reported paid they day you set up the payment, not the day they process it. I understand the ways this system could be gamed, but if a consumer attempts to make a payment on a given day and a company will not allow them to do so, it should absolutely not be able to be reported to the credit bureaus.

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 2022-08-27 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: MD

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

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

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27 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: MD

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

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

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation