vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
Please provide the information we need to keep your complaint moving. 
We need your help to : Clarify the details of your complaint by phone. 
Please Provide : The information needed by calling us. 

In most cases you can answer this information request on this page by submitting documentation with the needed information below. In other cases, you may need to call us. If we have asked you to call us, please contact us at ( XXXX ) XXXX, XXXX XXXX - XXXX XXXX Eastern, Monday Friday. Be prepared to provide your complaint number, contact information, and the information requested above. If we dont receive the needed information from you within 45 days, we will have to close this complaint. 

The sooner we hear back from you, the sooner well be able to move forward with your complaint. 


Include copies or photos of documents related to your issue such as contracts, statements, letters, and receipts. Once you submit your info request response, we will forward all materials to the company for review. These attachments will not be added to your complaint until you submit your response using the Submit information request response button below. 

Due to congestive XXXX XXXX and shortness of breath I am unable to talk on the phone, I hope you don't use this against me. I don't have long to live because my blood blow is decreasing and I can not believe you accepted SPS response, I offered a plan but apparently you and SPS rejected it, I can not afford the high payments because I am on a medication remedy per doctors and the medicine is very expensive. Please I don't know how much clearer I can be, what kind of answers are you looking for, in the resolution box I offered to pay XXXX dollars a month until I get straightened out. I was hoping you would help me. 

To clarify what I want is the following : A lower repayment plan that I can afford. 
A new refinance with a lower interest rate. 
That I want to keep my home and avoid foreclosure. 
Have SPS come up with some options as stated in two of their emails sent to me. 
Follow through with XXXX assistance form. 
Call my doctors to hear their explanation of my 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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XX/XX/2023 For the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with XXXX XXXX XXXX. 
Attached please find copies of my credit report with documentations from all three credit bureaus that have notations that are not consistent. I have the right to have my files to all reports to not to have notations that are different. Due to this, I am requesting that this file, XXXX XXXX, Acct : XXXX be removed from all three credit reporting agencies. Per my report with Equifax, this account is closed. Per XXXX the payment amount is listed as {$0.00}. XXXX is reporting it as a balance of {$0.00}. This is in violation of my rights as a consumer to have these inconsistencies on my Credit Report. Also, if the balance is {$0.00}, then this account should have never been sold to XXXX XXXX. 
I have circled all other inconsistent notations I see on all three reporting agencies documentation for this account. 
I am requesting that this account be removed from my credit report. This includes files for XXXX XXXX and XXXX XXXX XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XX/XX/2023 For the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with XXXX XXXX XXXX. 
Attached please find copies of my credit report with documentations from all three credit bureaus that have notations that are not consistent. I have the right to have my files to all reports to not to have notations that are different. Due to this, I am requesting that this file, XXXX XXXX, Acct : XXXX be removed from all three credit reporting agencies. Per my report with XXXX, this account is closed. Per Experian the payment amount is listed as {$0.00}. XXXX is reporting it as a balance of {$0.00}. This is in violation of my rights as a consumer to have these inconsistencies on my Credit Report. Also, if the balance is {$0.00}, then this account should have never been sold to XXXX XXXX. 
I have circled all other inconsistent notations I see on all three reporting agencies documentation for this account. 
I am requesting that this account be removed from my credit report. This includes files for XXXX XXXX and 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 explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting 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: NC

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. 

Account Name & Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. The bankruptcy court do not report to the credit bureaus that is a violation of my hippa rights

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 2023-10-08 00:00:00
Product: Credit reporting 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: NC

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. 

Account Name & Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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. The bankruptcy court do not report to the credit bureaus that is a violation of my hippa rights

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 2023-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I had opened a account with venmo gave them my back account number and a routing number, They went into my account and took XXXX dollar, and the next day deposited XXXX dollar. I then logged in and hit the deposit button at the top right side, and nothing happened no deposit. I tried it several times in the next few days, Then I closed the account, and got a new card from my bank. I have written them many times and even called them, and have gotten no where. Here is the last e-mail from them. They have had my money for YEARS now .... : Your request ( # XXXX ) has been updated. To add additional comments, reply to this email. XXXX XXXX ( Venmo ) XX/XX/XXXX, XXXX XXXX CST Hi XXXX, Venmo will not automatically transfer your balance to your bank account. The payment you received has been sitting on your Venmo account and you need to initiate the transfer. To get access to your account please provide : 1. A picture ( not a photocopy ) of your unexpired US government-issued photo ID. Please do not omit or cover any information on your ID. You can use our upload link to submit your ID ( for your privacy and security, please do not reply back to this email with your ID ) : XXXX XXXX XXXX XXXX & XXXX & XXXX 2. The full phone number currently associated with your account. Once you regain access to your account you can transfer the {$85.00} to your bank account. Thanks for your patience while attempt to help you resolve this issue. Best, XXXX XXXX | Venmo Support

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
A Late payment is a transactional history, and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
This auto loan was opened while I was in Bankrupcy XXXX XXXX. This was done without my knowledge

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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX Cash Whatever Act # XXXX XXXX Acct # XXXX {$1300.00} XXXX XXXX XXXX XXXX Act # XXXX {$280.00} XXXX XXXX Act # XXXX {$610.00} XXXX XXXX cred collect Act # XXXX {$360.00} XXXX XXXX Act # XXXX {$1100.00} XXXX XXXX Act # XXXX {$1600.00} States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a count without my writing instruction.

15 U.S.C 1681c. ( aX5 ) 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 1681 s-2 ( AX1 ) a person shall not furnish any information or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
This complaint concerns Concord loan # XXXX. At time of loan approval ( XX/XX/XXXX ), I was informed Concord would be contacting me with further information about loan financing and when payments would be due. 
I did not receive any loan information, billing statements, or other form of written communication from Concord over the following year. Not having information on when the loan needed to be paid to avoid interest charges, I made contact with a Concord representative via phone on XX/XX/XXXX. I requested information on my account, inclusive of when payments were due and whether there was any on-line system where additional information might be available. 
Once this was provided, I was able to establish an account and access my loan information. I then paid the original loan amount of {$29000.00} in full on XX/XX/XXXX payment confirmation # XXXX. 

On XX/XX/XXXX I received the first written correspondence concerning this loan from a Concord-related company, Concord Servicing LLC , a debt collector. That correspondence was postmarked XX/XX/XXXX in XXXX XXXX, FL and indicated an amount due of {$29000.00}. Please reference the attached file XXXX. 

On XX/XX/XXXX I received the first written correspondence from Concord concerning this loan. That correspondence was titled Billing Statement for account # XXXX and was postmarked XX/XX/XXXX in XXXX XXXX, FL. It indicated a Principal Balance of {$29000.00} and a Deferred Interest Balance of {$5200.00}. Please reference the attached file XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting 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: GA

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 : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX  XXXX XXXX : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number 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 an 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 2023-10-08 00:00:00
Product: Credit reporting 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: GA

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 : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX XXXX XXXX  XXXX XXXX : Account Number XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number 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 an 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 2023-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
XXXX XXXX continues to report and attempt to collect a past due balance, despite my continued disputes, on a collection listed on my credit report. This debt has been paid in full since XXXX of 2023.

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 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
I been waiting to hear from Apple/Goldman Sachs in regards to my settlement. The settlement was supposed to be half of my credit card balance. I never heard back from the company on what the balance would be and they continue to charge me balance interest. I am trying to figure out what is the plan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On or before XX/XX/2023 a Certified Mailed was sent to Experian, a request of proof of copy, signed documents related to Bankruptcy on my credit report. 

As of time Experian unable to provide substantiation; Failed to provide signed documentation of the said Bankruptcy. 
Failed to provide a copy of bankruptcy petition filed with the court. 
Failed to provide proof of filing document, such as stamped document.

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 2023-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accounts Receivable Management, Inc
State: FL

Complaint narrative:
There is no information about this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My XXXX score is XXXX. I attempted to secure an XXXX  XXXX XXXX card from Bank of America three times. Every time their customer service people told me the card would be delivered to the address I specified. It never was. So, six weeks ago I told them to cancel the card and refund my {$95.00}. Once again, they did not do it. After being on hold for over 3 hours, they finally told me it would be done two weeks ago. It still wasnt done, so I promised to file a complaint with the CFPB. They still did not refund my money. This is a predatory and dysfunctional bank that should be sanctioned.

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