vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My complaint was closed without any result of the investigation being sent to me. I am refilling this complaint again demanding to send the result of the investigation on these accounts XXXX  XXXX XXXX ( Collections ), XXXX XXXX ( XXXX ), XXXX  XXXX XXXX ( Collections ), XXXX XXXX ( Collections ) XXXX XXXX  XXXX XXXX ( Collections ) and XXXX XXXX XXXX ( Collections ). If these account can not be verified, I demand these items to 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 2023-05-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
In XXXX I submitted complaint XXXX. It was closed as a duplicate complaint despite XXXX never before submitted documents. 
The issue is still unresolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-22 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: TX

Complaint narrative:
I have filed XXXX complaints in this issue. I filed XXXX complaint in XXXX, another in XXXX and another in XXXX. Each time I have asked for proof of verification and methods used in regards to an account that XXXX and Experian are reporting which is XXXX XXXX XXXX account XXXX, which both they say have come back that is verified and I am shown on it as a co-signor. I have also asked for paperwork bearing my signature and proof of this verification. The information I received on XX/XX/XXXX was not only a copy of my report and a letter, no actual proof of verification as I have asked fro XXXX  times already. According to the FCRA credit reporting from all three bureaus has to be 100 % accurate and factual. There is no way any proper investigation has been done, and I have attached my credit report from experian and XXXX. Once I provided this information to XXXX the account was removed. First error is that this account is reporting as past due, but to be past due I must have set up an active account with a set payment date and I must be over XXXX  days late on an agreed payment to have a past due balance, so I have never had one. Because I am listed on this account as a cos-signor I asked for this proof as I have reported the account as fraudulent, and have have yet to receive any. I never made any type of agreements or signed any paperwork stating so this information is false. Also upon review of XXXX  and experian reports+ attached is some of the information that is conflicting. I have attached this information. 

XXXXOn Experian This account is reporting that I was on XXXX  months terms but shows past due as of XX/XX/XXXX, and has been reporting as past due since XXXX of XXXX, and on the same exact report shows my highest balance as XXXX XXXX My XXXX  report shows a high balance of XXXX. Clearly this information is inaccurate. 
Obviously I can not have a high balance XXXX from XXXX  and a high balance of from experian of XXXX XXXX 

XXXX. I have also attached my XXXX  report which shows conflicting dates the account was open on XX/XX/XXXX and experian states XX/XX/XXXX. So who is right? How can the same account be reported open on XXXX separate dates? This is also Clearly inaccurate. 

XXXX. Experian shows this account should be on record unitl XX/XX/XXXX while XXXX  shows this account should stay on record until XX/XX/XXXX. This also shows great disparity amongst the XXXX. 

According to the FCRA the information provided on the account from XXXX XXXX is innaccurate and not 100 % true and this account is to be removed for that reason.

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 2023-05-22 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: IL

Complaint narrative:
Please remove the account as this is not mine.

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 2023-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Climb Credit Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, The companies involved are the XXXX XXXX, Climb credit, and XXXX XXXXt. 

I signed up for a coding bootcamp at the XXXX XXXX  and got approved for a loan for tuition from a third-party company that's associated with the XXXX XXXX, called Climb credit. The tuition/ loan amount was XXXX. I was told by the XXXX  XXXX  that you are not liable for the loan if you don't take the classes and have fully withdrawn from the course. 

I withdrew from the course as I had not attended any classes or did any course work and was expecting that to be the end of it. However, a few months later XXXX  connect emailed me saying that they would start deducting from my account. I called XXXX to dispute that I had already withdrawn and that the loan was never used and should have been refunded. XXXX  connect replied that the XXXX  XXXX  has never sent us an update on your withdrawal, and to contact the school again. 

I contacted the school again and was directed to the XXXX XXXX XXXX  team. Whom of which they replied that I had not been fully withdrawn from the course and needed my signature again. I signed the new withdrawal form and waited the XXXX  days that the refunds team asked for to process the withdrawal and the refund. 

A few months later XXXX  connect emails me again about my numerous late fees and how after XXXX  days of not paying them my credit will be affected because I have not sent in the monthly payments for the loan. I called and disputed again, and their response was that the initial lender Climb credit is still processing that refund under their portal and that they can not cancel the late payment emails. 

I am vastly tired of being ping ponged back and forth between these XXXX companies and assume that something fraudulent is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: IN

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Immediately delete these accounts because I asked for sufficient evidence from each company and the 15-day window has passed. Due to improper communication, I demand that these accounts be deleted right away, or I will file a lawsuit since my rights as a consumer have been infringed. I am appalled by your lack of assistance to consumers, and I urge you to reconsider. Please solve this case to my satisfaction or I will take additional action to obtain the results I require. My credit is very important to me, my rights are being infringed, and I am in a deep XXXX as a result of this circumstance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
XX/XX/XXXX Let this serve as a FORMAL COMPLAINT by XXXX XXXX ( originator of loan homeowner on Deed/Title and 100 % Payor of ALL BILLS full-time resident and maintainer of property for 16.5 years against the following entities : Select Portfolio Servicing Inc. FOR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For  violating the following but not limited to : Deceptive Trade Practices/ Unfair Business Practices Multiple violations of the Fair Debt Collections Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) Willful and intentional disregard for the Federal Cares Act since XXXX ( SPS never substantiated their claim FHA was removed by way of previous modification Mortgage Fraud ( Threats to illegally foreclose on home with no legal Standing ) Refusal to honor QWR Qualified Written Request Refusal to perform MORTGAGE AUDIT ( Homeowners/Barrowers demand Forensic Mortgage audit ... to uncover overcharges that are caused by miscalculations of interest charges, monthly payments, amortization or loan balance. In compliance with The Mortgage Loan Act Violations of Regulation F ... outlining prohibitions,,, false or misleading representations and unfair practices. On XX/XX/XXXX Regulation F Officially superseded ANY previous rules found in The Fair Debt Collections Practices Act ( FDCPA ) Being denied over the last several months for Mortgage assistance and grants because Im not on the actual loan missing several opportunities to have saved my home long ago, avoiding all the pain and misery I have experienced over this mortgage. For example rushing to Tax Preparer to pay mortgage while in the process almost XXXXXXXX XXXX XXXX XXXX 2 MONTHS AGO OVER MOTGAGE ISSUES that shouldn't even exist! This is the honest to God truth!! If added to loan I CAN UTILIZE MY {$180000.00} IN HARD EARNED EQUITY AND PAY ALL THE BILLS. These are bills that hadnt gone delinquent in over 16.5 years except after XXXX XXXX XXXX, Rollover in XXXX XXXX XXXX XXXXXX/XX/XXXX THEN on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX weeks ago ago! ( See attached photos and police reports ) With no refinance opportunity nor XXXX XXXX XXXXXXXX ( which is all Ive heard for 3 years from SPS reps like a script kicking solution down the road slowly nearing default as I begged for help but treated like a peon because Im not on the actual loan but on Deed/Title and pay the mortgage. ) UNDER RARE CIRCUMSTANCES NON-OBLIGATOR BARROWER PAYOR CAN BE ADDED TO LOAN COVID-9 PANDEMIC BEING RARE CIRCUMSTANCES! Once I am added to the loan repeat ADDED not ASSUME ... Add.

COMPLAINTS FILED ON SPS with : The Consumer Financial Protection board The Nevada Division of Insurance ( regarding illegal Interstate Collection efforts by Loan Servicer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear CFPB, I have had this HELOC 30 year fixed loan since 2005. My agreed rate was 6.5 % for the term. Bank of America has been charging me 7.05 %. They are acting in bad faith as they refuse to rectify this issue. My outstanding loan amount is {$38000.00} or thereabouts and should be vacated and penalties assessed @ 10x the loan amount, $ XXXXPease assist me in addressing this matter. 
All the best, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
In XX/XX/2020, XXXX XXXX renewed my auto insurance without my permission or validation. I was not driving at the time either. In fact, i am XXXX and unable XXXX XXXX. I was hospitalized in XX/XX/2020 for a week due to XXXX XXXX. I was unable to make decisions at the time as i was extremely unwell. I had no energy to dispute. It is the only negative mark on my credit and it is preventing me from getting housing. I was homeless because of the charge. Please can you help me get this goodwill charge taken off? I did not agree to it and i feel like they took advantage of me being XXXX and unable to dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
my entire credit report is and full ERROR. because identity theft Disputing for years. and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
my entire credit report is and full ERROR. because identity theft Disputing for years. and nothing has been done.

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 2023-05-22 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Late payments on said accounts were previously disputed on said accounts. Said accounts are still reporting late in my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: MO

Complaint narrative:
Late payments on said accounts were previously disputed on said accounts. Said accounts are still reporting late in my consumer 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 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
I had purchased a resale timeshare at XXXX XXXX in XXXX Hawaii from their resale office. I was led to believe that when I was finished with the timeshare or just did not want it anymore that I could resell mine through the same office I purchased it from. In late XXXX I contacted XXXX XXXX in an effort to resell my timeshare. I was told the resell office no longer exists. I then told them they could have it back for free because I was no longer interested in the property. They said no thanks and that if I didn't pay, that they will be turning me over to collections. That they did. The collection company name is Meridian Financial and I guy named XXXX calls me every month.

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 2023-05-22 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Carrington stated that if I made a partial payment to come up with a full payment, the entire amount would be applied as a payment. This is stated on my loan statement. 

Instead, they put the part of the payment as a principle curtailment ( in contrary to what the statement said ) and now is showing a late payment and late charges. I was told months ago that it would be corrected within XXXX hours when I called and spoke with customer service. 

Each time I make a payment, they are showing it as the previous months payment and continuing to send me late payment notices, charge late payments and threaten foreclosure. 

On my XXXX Statement, I had a {$1100.00} Partial Payment ( unapplied ) XX/XX/17 Statement, still there. 
Between the XXXX and XXXX payment, I paid an additional $ XXXX to make it a full payment, per the *partial payment language on my statement! and the $ XXXX just disappeared. 

I called and was told they'd fix it to be XXXX full payment applied. 

Now they managed to eat up all my {$380.00} in fees, put me 30 days behind and keep charging other fees. This disappeared on my XXXX and XXXX statement but showed back up in XXXX to be used for fees! 

At this point, I should be paid in full through the end of XXXX and my XXXX payment being due XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: NV

Complaint narrative:
XXXX was paid in full. 

XXXX XXXX of {$150.00}

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 2023-05-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX was paid in full. 

XXXX XXXX of {$150.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had an unauthorized transaction in the amount of {$910.00}. And have filed a dispute. My dispute was denied by chime and this is not the first time i have had this problem. Since i have had this acct 2 plus years this is the XXXX or XXXX time i have had to file a dispute and have been denied even though i did not make or authorize any of these transactions. They also never accept my check deposits. I have tried to get my money back from chime but have been denied. I worked hard for this money just to have someone steal it and my bank wont do anything to help me. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
ace cash withdrew a large amount cash from our account they have as of XXXX stated they reemburse us we have received nothing and despite many texts and phone calls havenot responded

Company response to consumer: Closed with explanation