vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have a mortgage loan ( Convention 30 yr ) with Select Portfolio Services , Inc ( Loan # XXXX ), XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( cell ). I've applied for the Pandemic hardship and submitted documentation according to the application procedures set out by the lender. However, during that process when nearing the XX/XX/ 2021 date, SPS began practicing predatory lending practices. For example, I would complete the documentation submission for Pandemic hardship application yet, SPS would kick it back as incomplete stating that I needed to submit a " Retirement Payout ( Income ) documents '' to which I would submit numerous documentations, ( upload to the SPS portal a written doc, send an email, and call my relationship manager ) stating that that document does not apply to me as I was not receiving any retirement income and it was as if they were continuing to make claims that my application was incomplete by requesting documents either already submitted or asking for documents that do not apply to me. Once I realized the predatory behavior was intentional vying the equity on my home and they seemed to be just postponing a " pandemic Hardship '' decision till the XX/XX/2021 when loan pause was removed by congress ( moratorium on Mortgage ) so that they could gain on my property and begin gaining rights to my equity and potentially sell the property. I am happy to provide dates and documentations if you need further documentation. XXXX XXXX XXXX My Former Spouse was a XXXX 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 2022-03-10 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: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Mariner Finance illegally furnished information to my consumer report on DATES XX/XX/2021, XX/XX/2021. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer, to protect my non public personal information, were violated by Mariner Finance.

Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not gave consent to any consumer report agency to furnish my consumer report. 
Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022 I went to the Bank Of America ATM to make a cash deposit of {$250.00} then I transferred {$60.00} from my chase account to my Bank of America account next I attempted to withdraw {$300.00} I was denied access of the withdrawal the ATM displayed that this machine is malfunctioning to contact the ATM department. Once I called the ATM department to verify my Identity I was then able to receive my {$300.00}. The Remaining balance was {$10.00} that I transferred back into my chase account. The next day XX/XX/2022 my account was on hold/freeze I went back to that branch of the ATM I had used and spoke with the Branch manager who confirmed that the ATM machine I used have been malfunctioning and experiencing issues and they have put in a work order for it. I contacted Risk and Closure throughout the following days and they stated my account was under review I explained the situation and I was given a date of closure XX/XX/XXXX. XX/XX/XXXX passed I call to insure the closure date and it has moved to XX/XX/XXXX on here it is XX/XX/XXXX I called to confirm the account is closed and my distribution of my funds but instead was told my closure date has been pushed once again to XX/XX/XXXX. Since XX/XX/2022 I have went to XXXX Bank of America XXXX including the one I originally opened my account with they refused to assist me an in any manner that I must wait on a check. I have requested the release of my funds 3 times and have been denied due to still ongoing investigation to no fault of my own for a ATM issue. I have been denied any request or assistance from the bank and department to my account I need access to my funds ASAP as I have bills past due and kids who need medical care.

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 2022-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
I saw on my XXXX and XXXX reports that AARGON submitted a collections file to my credit scores. To the best of my knowledge, I never been contacted by this company and have never communicated by any means. I have had 100 % on time payments for over 20 years. I would like proof of any and all methods, specifically certified mail correspondence, that they previously contacted me and made me aware of the issue.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The account listed has fraud on the contract, full disclosure was not made to me, the consumer. Proof of claim affidavit was mailed via register mail XXXX but no reply. 
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 2022-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
Rocket Mortgage is holding an escrow account for Flood Insurance that they say is Federally mandated. 

I would like confirmation that this is, in fact, a federal mandate, or to know if Rocket Mortgage is making fraudulent statements to me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
I have Direct Consolidated loans serviced by FedLoans that are eligible for PSLF forgiveness under the PSLF waiver. FedLoan continues to send emails with misinformation about the waiver. It continues to claim that it is assessing payment counts for the *PSLF waiver. '' On XX/XX/22, I received a letter from FedLoans about an update on my PSLF payment counts with the phrase : " The charts above display the total number of eligible and qualifying payments you have made ( out of the required 120 ) on your eligible loans for PSLF and TEPSLF, including any periods we have assessed as eligible or qualifying under the Limited PSLF Waiver. '' FedLoan does not assess payments for the Waiver. Only the DOE does that. However, by continuing to claim that it does so and informing borrowers of this false claim in letters, FedLoan is causing a panic among borrowers. These borrowers in turn flood FedLoan phone lines and email boxes asking for clarification. This, in turn, causes delays for everyone, including those with legitimate questions. It also causes more complaints for the CFPB. Which is why you are stuck reading this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
In XXXX, I was involved in a vehicle accident which was being handled by my attorney ( which is no longer representing me ). The medical bills incurred and now reported on my credit profile derived from services rendered by XXXX XXXX XXXX in XXXX DE. This medical bill was referred to Transworld Systems Inc, who in XX/XX/XXXX listed this debt on my credit profile. As a result of this action, my credit score decreased approximately XXXX  points ( XXXX to XXXX ). I have written 2 letters for original creditor XXXX XXXX XXXX XXXX ) with no response, and recently to Transworld, pending response. The medical bills in question ( service date XX/XX/XXXX ) were disputed for double billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX still hasnt complied after more than 4 attempts with upper management to report correctly or reporting agency wont report correctly themselves. This is been reporting negative for almost over a year and no one will help to report correctly. I have despites numerous times and get excuse after excuse. My credit is being negatively affected and XXXX cant get increases of credit because of XXXX XXXX negligence. My next move is to sue XXXX XXXX in court. And I will win case.

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 2022-03-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Hi, I applied for a Heloc for the amount of {>= $1,000,000} with PNC bank in XX/XX/XXXX. 
I was told the process would take around 45 to 60 days. Previously, I had a Heloc with PNC bank that I paid off in a few months. My expectation was everything would be the same since my credit rating is better and my bank is PNC bank. I was going to use the money to pay off some of my credit cards. Since I applied for the loan, I have pay off half of my credit cards, and I provided all the documents to the bank. I feel like I have been discriminated based on my previous loan which was back in summer of XXXX. My credit rating is much better and PNC should have access to my soft credit report since I am their own customer. My financial hasn't been change, my assets our stronger and my credit rating is better. I also have a better job since XX/XX/XXXX. I applied for the loan in XX/XX/XXXX and now is XXXX XXXX a lot has changed since I applied for the loan. I tried to escalate the matter internal but I haven't been successful. 
ordinary people such as me apply for a loan to pay down their debt and access to the capital shouldn't be monopoly only to a certain group of people. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2022-03-10 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: TX

Complaint narrative:
XXXX XXXX illegally furnished information to my consumer report on DATES XX/XX/2021, XX/XX/2021. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer, to protect my non public personal information, were violated by XXXX XXXX. 
Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not gave consent to any consumer report agency to furnish my consumer report. 
Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: DISCOVER BANK
State: MA

Complaint narrative:
I have a Discover credit card, ending in XXXX, that is presently under a reduced interest repayment plan. The plan has been in effect since XX/XX/2021, and the company has in the last 30 days reported me as being late for payments, while under the protection of the repayment plan that goes for 12 months. The company has refused to remove the late reporting with all trade lines and as a result has adversely affect my ability to maintain good credit, or obtain new lines of credit. This action is a clear violation of the Fair and accurate credit reporting laws, and is viewed as Unfair Deceptive Acts and Practices. I am Demanding the reporting of being late, while under a repayment agreement, be removed from all trade lines immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10 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: Professional Credit Management, Inc
State: TN

Complaint narrative:
On XX/XX/21, I noticed a collection on credit karma from Professional Credit Management Collection agency in which I did not recognize the collection company. I immediately mailed a certified letter requesting validation of the debt. In turn, Professional Credit Management collection agency sent me records detailing sensitive information about my health in which my family did not have prior knowledge violating my HIPPA rights. 

I did not sign nor give consent to Professional Credit Management collection agency permission to obtain my sensitive health related documents which is my right as a consumer. 
Professional Credit Management Collection does not have in their possession a HIPPA release document with my written signature nor have ever received a verbally consent to to release my personal health related documents from me which is punishable by law. 
Therefore, I am demanding Professional Credit Management Collection Agency to immediately to cease all collection efforts and to remove Account numbers XXXX and Account number XXXX from all Credit Bureaus including XXXX, XXXX, and XXXX immediately. This has provided great mental anguish and hurt to me and my family. I have provided documents to support this claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
Person claims to be with discover credit card ( I do not have discover ) wants to lower my interest I listen to his speach ( XXXX? ) I in formed him I am on a do not call list and hung up. He called right back swearing at me calling me a XXXX XXXX American for letting him finish his speach before telling him I was on a do not call list his phone number is ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am an American Express Platinum Card Holder since XXXX and have paid my card balances In Full each and every month without issue. In XX/XX/XXXX, American Express auto-enrolled me into a " Pay Over Time '' feature : https : //www.americanexpress.com/us/benefits/payment-flexibility/pay-over-time/ which requires the customer to then opt-out of ... To which I did Opt-Out in the Fall of XXXX because it was tripping up my cash flow and account management as it would automatically transfer larger balances ( up to $ XXXX ) to this " Pay Over Time '' bucket and charge upwards of 22 % interest on these balances vs. the balance being paid in full which I had been doing without issue even during XXXXXXXX. 

AmericanExpress then re-enrolled me in XXXX XXXX into the Pay-Over-Time feature, even though I had already opted-out and once again are automatically rolling over large balances and charging 22 % interest vs. these balances being paid in full each month as I had been doing causing cash flow issues for me and my small business. 

The auto-enrollment into this Pay Over Time feature, even after I opted out in Fall XXXX constitutes deceptive business practices and puts the onus back onto the customer to opt-out when I was under impression that my balances were being paid in full each month as they had been since I became a member in XXXX... Adding insult to injury, AmericanExpress is also charging exorbitantly high interest rates on these " Pay Over Time '' balances of 22 % when interest rates were at their lowest in our country 's history, which amounts to Usury by any measure... 

I am incensed by their disregard for fair business practices and their arbitrary implementation of this program - even after opting-out - as well as the exceedingly high interest rates they charge on these high balances they automatically put in to this Pay Over Time bucket. It's clear to me what their end game is and their rationale for doing this - i.e. it pads their bottom line at the expense of consumers and small business owners like me who are the backbone of this country and will continue to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
Hello, I'm XXXX XXXX I am writing this complaint because I had went to download the XXXX XXXX app and the XXXX because I had tried to apply for something and they told me that I needed to have a better credit score.. I am not familiar with credit and how it work I was on my account and it had showed me accounts I was not familiar with at all.. These are very much so fraudulent accounts because I've never used these accounts before.. Could you please help me to remove these things because they couldn't have been done by me... Thank you so much and have a blessed day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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