vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
I own three properties ( escrow account set up for all three ) that are serviced by XXXX XXXX XXXXXXXX, for XXXX XXXX ( lender ) : XXXX XXXX XXXX XXXX, XXXX, NC XXXX and XXXX XXXX XXXX XXXX, XXXX, NC XXXX and XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

One out of the three properties was transferred ( including the escrow account ) to SPS Select Portfolio Servicing in XXXX : XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

In XX/XX/XXXX when the property taxes were due to XXXX XXXX, XXXX, NC ; SPS Select Portfolio Servicing paid out the property taxes for all THREE properties ( in the amounts of {$3400.00} and {$3300.00} and {$3200.00} ) although they are only servicing one property ( XXXX XXXX XXXX XXXX, XXXX, NC XXXX )! So, the escrow account of the one property that they are servicing for me went up XXXX to cover for the taxes that were erroneously paid out for the other two properties ( {$3300.00} and {$3200.00} ). This resulted in my monthly payment going up by {$800.00} ( about 30 % more than what I am supposed to pay ). 

This problem has been lingering for almost 6 months now. I have had countless calls with SPS Select Portfolio Servicing, and they keep telling me that they are working on resolving this issue. In the meantime, XXXX XXXX XXXX department, XXXX, NC has reimbursed SPS Select Portfolio Servicing the erroneous tax overpayments ( {$3300.00} and {$3200.00} ). I have called SPS Select Portfolio Servicing several times for them to adjust the escrow account of that one property they're servicing for me, with monies that was sent back by XXXX XXXX XXXX department, XXXX, NC. However, they keep extending the resolution date by 30 days claiming they are working on resolving the issue. 

I have already sent them documentation of each property, and each has a different parcel number, a different street address, and also provided them evidence that the property taxes of two of the properties ( {$3300.00} and {$3200.00} ) have been paid by the rightful servicer : XXXXXXXX XXXX XXXXXXXX, for XXXX XXXX ( lender ). They don't seem to be able to resolve this issue and keep pushing out the date for resolution. The last letter I received from them was on XX/XX/XXXX and they are asking for another extension of 30 days to resolve the problem. 

I would like to file an official complaint for SPS Select Portfolio Servicing. Thank you for your consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: IN

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. 

XXXX XXXX : # XXXX {$2.00}, XXXX XXXX : # XXXX {$140.00}, DEPT OF ED XXXX : # XXXX $ XXXX, DEPT OF ED XXXX : # XXXX {$4000.00}, DEPT OF ED XXXX : # XXXX {$2500.00}, DEPT OF ED XXXX : # XXXX {$990.00}, XXXX XXXX XXXX # XXXX {$220.00}, XXXX XXXX XXXX # XXXX, US Bankruptcy Court- 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 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 non-monetary relief
Consumer complaint received 2023-04-18 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: IN

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. 

XXXX XXXX : # XXXX {$2.00}, XXXX XXXX : # XXXX {$140.00}, DEPT OF ED XXXX : # XXXX $ XXXX/996, DEPT OF ED XXXX : # XXXX {$4000.00}, DEPT OF ED XXXX : # XXXX {$2500.00}, DEPT OF ED XXXX : # XXXX {$990.00}, XXXX XXXX XXXX # XXXX {$220.00}, XXXX XXXX XXXX # XXXX, US Bankruptcy Court- 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have been trying for two weeks to get logged into my Experian account. I have talked to customer service reps numerous times with no success. Every time I call I am told something different - wait 72 hours, create a new account, change password, nothing works. I keep getting told that I need to activate a free membership to get logged in, but I can't get it to work on the website and none of the customer service reps can get it to activate either. Without being able to log in I can't get a copy of my credit report, credit score, or manage my security freeze.

I have asked a few times to speak to a supervisor or someone higher up, but all the do is create an " escalation '' but I never receive a call back.

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 2023-04-18 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:
XXXX XXXX-account ending in XXXX XXXX XXXX is reporting two lates XX/XX/XXXX, and XX/XX/XXXX. These are a direct violation of the FCRA 15 USC 1681b permissable purpose of consumer reports. Transunion is in direct violation as well for not removing the items under the FCRA

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 2023-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I received a voice mail this morning that requested I contact the following number ( XXXX ) XXXX ( File # XXXX ) regarding a summons that I failed to respond to. However, I never received a summons. I called the number and spoke to an individual ( XXXX XXXX ) who indicated they represented a firm by the name of XXXX XXXX. They transferred me to a guy who indicated that I failed to pay $ XXXX Chase Credit Card balance. Ive never had any Chase account of any type. I told this guy that, and he responded caustically, and abruptly indicated that he would see me in court. I thoroughly believe these individuals were Phishing. I never gave or provided them any information. Also..Ive never received any correspondence from Chase indicating that this debt was owed. Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I spoke with XXXX also at Equifax and she refused to remove these hard inquiries from my report, she told me whether I authorized them or not they will be off my report in 2 years! 

XXXX is does not allow me to speak live they connect me to a chat and then the agents keeps stating that you can dispute these bc they are statement of facts and ask if I would like their mailing address! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-18 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: LA

Complaint narrative:
XXXX XXXX open date XX/XX/2019 would not submit certificate of peer ship of debt with live signature proving ownership of debt XXXX XXXX XXXX XX/XX/2019 improper dates and balances are on my credit report

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 2023-04-18 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: CA

Complaint narrative:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

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 2023-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: TX

Complaint narrative:
Grant Mercantile Agency , Inc. 
I am writing this letter to inform you that I, ( XXXX XXXX ), am not responsible for the outstanding bill for the ambulance services that were provided to me on XX/XX/2022. As you may be aware, XXXX XXXX XXXX XXXX XXXX XXXX XXXX on that day and suffered severe injuries, which required immediate medical attention. The accident was caused due to the negligence of the other driver, and I hold them responsible for the incident. 
As a result of the accident, I had to be rushed to the XXXX in an XXXX, and the XXXX XXXX  were necessary to ensure my timely and safe XXXX XXXX XXXX XXXX. However, I want to clarify that I am not in a position to bear the cost of these services since I was not at fault for the accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
On XX/XX/2023 I paid my BarclayCard account statement balance in full using the Barclay website to pay from my non-Barclay checking account. The payment cleared my checking account on XX/XX/2023. Today, XX/XX/2023, I noticed that Barclay had placed a " pymtmonyhold '' on my account, reducing my available credit by the amount of my already-cleared payment. Barclay habitually does this just as I habitually pay my statement balance in full every month. I called Barclay today and spent an hour on the call with the representative, who informed me that Barclays still did not receive my payment from my bank. I called the branch manager at my bank and she informed the representative that the money left my bank and bank account on XX/XX/XXXX. Barclay acknowledges the payment ( see attached monthly statement ) but won't update my credit line accordingly, in violation of their own payment processing policies ( see attached payment processing chart on Barclay 's website ). The Barclay representative informed me and my bank manager that we needed to wait until this Friday or next Monday to take further action on this matter, to " see if the money arrives to Barclays. '' This was an ACH debit initiated by Barclays and my bank paid it on XX/XX/XXXX. Someone needs to investigate the payment crediting practices of this bank because they are nonsense. Foreign representative who barely speaks English much less understands US banking law and practice. It doesn't take 7-10 days for an ACH payment to be received by the initiating, debiting party. Barclays has the money, they are just being punitive. I've had this account for nine years and never had a payment returned by my bank, never missed a payment, and usually pay in full each month. Why is Barclay 's doing this to its best customers?

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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. The failure to respond has negatively impacted my credit and caused difficulties for m. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-18 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: PENTAGON FEDERAL CREDIT UNION
State: NH

Complaint narrative:
I called to close my Penfed XXXX card on XXXX I was told the {$95.00} annual fee would be reversed. The company closed the card but left the annual fee. I was not notified until the XXXX billing statement. I called Penfed on XXXX The agent seemed surprised this issue was occurring. I was told it would be fixed and have yet to see the balance be updated.

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 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I opened a checking account at Union Bank  in XXXX XXXX California. I deposited. a check the following week. A week after that I went in to get money as was told they would not release the funds for XXXX  days. I don't remember XXXX XXXX telling me that it was bank policy of the bank to hold a check for a month, I checked all of the collateral that she gave me and there is nothing there stating the monthly hold. In fact they say they take about a week to turn around checks.The manger XXXX XXXX would not help me with my pin or even listen to me. I swore at him and he called the police. I was told that if I entered the bank I would be arrested for trespassing.

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 2023-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IA

Complaint narrative:
i was hire for a job, that turned out to be a scam. I was sent a check to deposit in my account. I was then told to send {$500.00} by my on Zelle to purchase equipment for this " job ''. I later that day ( XXXX ) found out the check was a fraudulent check and everything was scam. I reported the fraud to Zelle ( XX/XX/ ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, I first want to thank you for taking the time to read this letter. I recently pulled my Experian credit report and discovered I have a late payment I had a medical emergency that I was in the hospital due to XXXXXXXX XXXX  which impeded my ability to make an on-time payment that during this period I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my recent medical emergency, I had an on-time payment history with you since my account originated. Based on my otherwise spotless payment history, I would like to request that you if possible can u apply a goodwill adjustment to remove the late payment mark from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. I attach proof showing I was in the hospital for XXXXXXXX XXXX in which I stopped working

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 2023-04-18 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: LA

Complaint narrative:
XXXX XXXX open date XX/XX/2019 would not submit certificate of peer ship of debt with live signature proving ownership of debt XXXX XXXX XXXX XXXXXX/XX/2019 improper dates and balances are on my credit report

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 2023-04-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2023, I spoke with an Experian customer service agent who stated that I needed to speak with a supervisor about my information request. Upon learning that a supervisor was not available at that time, my only option was to request a supervisor call back. I received an email confirming that a supervisor would return my call ; however, as of XX/XX/2023, I have received no call from any supervisor with Experian. This matter is ongoing and remains unresolved even after nearly two years.

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 2023-04-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
My XXXX account got hacked and they ordered items and I was able to cancel with XXXX. However, it was charged to a firm and I notified them and they will not forgive the death. They will not leave me alone after every attempt I have filed a claim with them I called them, and now they continually call me day after day day after day day after day several times a day And they just wont stop there attempted to collect a debt for a past due account that was not created by me and they are aware of this both my phone and email I havent used them since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2023, i applied to a promotion from Capitol one to apply for their savor one credit card. The promotion promised {$200.00}. In return for {$500.00} of spending in 90 days. I was approved for the card and charged over a XXXX dollars on it. When I called yesterday, XX/XX/XXXX, I was told by a supervisor XXXX ( ID # XXXX ) that I didnt qualify for the bonus. When I asked why she said read you terms and conditions. When I pressed for further explanation, she repeated the same thing, and offered no other details. I offered to send her a copy of their promotion but she wasnt interested. The terms in the promotion ( see attached ) seem very straightforward and as far as I know I met them. Whatever the reasons Capitol one is using to deny the promotion payout is to me irrelevant considering the advertising they use to lure consumers in only to deny them their offer later.

Company response to consumer: Closed with explanation