vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I have had my Apple Card from Goldman Sachs since 2019. It is my main source of paying all my bills. Today, I received an alert that my credit card had been restricted and I was unable to use it. It said to contact customer support for more information. 

Customer Support indicted to me that the account was under review. They would not provide why it was under review or how long the review would take. I asked if I had used the card against the agreement and she stated that it didnt appear that I had. She stated that I had to wait to be called and that there was no one else I could speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX date opened XX/XX/2015 This company is reporting inaccurate information on my credit report in the amount of XXXX XXXX I ve tried to communicating with the company yet have to receive proof that the account was mine in writing. I will like this information removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
I have disputed this collection multiple times with XXXX and they remove it but XXXX XXXX XXXX keeps putting it back on my account without real proof that it was me that got service with them. 

I called XXXX XXXX XXXX and they said that they didnt have an account with my name or phone number and placed the blame on AMERASSIST AR SOLUTION and when I spoke to Amerassist AR Solution they put the blame XXXX  XXXX XXXX stating that they put me in collections and I should file a police report. I do not have an account with XXXX XXXX XXXX so there shouldnt be a collection with my name from them and Amerassist AR Solution. 

XXXX told me to file a complaint with you all first.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FactorTrust, Inc.
State: OK

Complaint narrative:
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies.

I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681.

According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

Account : 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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies.

I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681.

According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

Account : 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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XX/XX/2022 fraudulent charges to XXXX XXXX were made for {$120.00} twice. Filed a dispute with Citi and closed account with number ending in XXXX. Citi issued a new card. 

XX/XX/2022 ( Card was closed at this time card ending in XXXX. ) Fraudulent charge for {$76.00} made to XXXX. Filed a dispute with Citi Citi told me that I needed to contact XXXX. On XX/XX/2022, I called the number that was listed on my statement from Citi ( XXXX ) and talked to XXXX. She said there was nothing they could do. 

XX/XX/2022 received a letter from Citi stating my dispute has been closed and the {$76.00} is now my responsibility. 

XX/XX/2022 again contacted XXXX at the number listed on my account ( XXXX ) and talked to XXXX and they have no record of a payment for {$76.00}. I have auto pay set up with Spectrum using a different credit card, my monthly total is {$74.00} per month. 

XX/XX/2022 wrote a letter to Citi Security Services detailing all of this information along with supporting documentation and have never heard back from them. 

XX/XX/2022 I paid the {$76.00} bill as I did not want to ruin my credit. 

XX/XX/2022 called Citi and talked to numerus people ( I was on the phone for over two hours ) they stated that I should be getting a refund.

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 2022-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
XX/XX/2022 I submitted a dispute to all 3 credit bureaus concerning an inaccurate account that I discovered appearing on my credit report. ARS Reference # XXXX I also sent a direct dispute to ARS please see their attached response which is insufficent and violates the FCRA and FDCPA. I Sent a second letter to ARS on XXXX XXXX requesting deletion ARS verified this account with the credit bureaus. This inaccurate derogatory information is preventing me from closing on my pending home loan. ARS is fully aware that I do not owe any such debt yet they continue to pursue me. I was a victim of a crime in which I sustained physical injuries. I was treated at a hospital in Texas while visiting relatives. I sent ARS a copy of the police report and instructed them to have their client submit a claim to the victim restitution fund. I recently sent a copy of all this information to the hospital in hopes they will rescind this account from ARS.I will be pursuing legal action for damages against both ARS and the hospital if this matter is not immediately resolved and purged off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: PA

Complaint narrative:
Requested a refund from EDFinancial of {$16000.00}, the total amount in payments I have made since XX/XX/XXXX. Requested over a month ago. No word back yet. 

I paid my loans off entirely through XXXX, who apparently transferred my information to EDFinancial after I paid off my loans. My account with XXXX is now closed, and I have no account with EDFinancial. I can not login anywhere.

I have called and requested refunds with EDFinancial THREE times over the course of a month. The service reps do not give any sort of indication of when I will receive a refund, how, or when I can log into an account. They took 10 minutes just to find any information on me. There is no paper or email trail of my refund. It is sketchy and unacceptable service. Other loan providers have been much more trustworthy and speedy with their refunds, while EDFinancial has been nothing but sketchy, vague and awful to their customers. People have been quoted wildly different wait times for refunds, up to 180 days. Unacceptable, considering interest on loans kicks back in XX/XX/XXXX. Not to mention their recent data breach, and EDFinancial has a history of misleading and LYING to customers, case in point, about PSLF this past year.

I may resort to legal action to get back the money I paid, I want my loan reinstated before I have to escalate further. I need this money back ASAP to have time for it to be forgiven before they charge me interest. This company is deceptive, manipulative, and needs government intervention to ensure customers are returned their money in a timely manner. 

I filed a CFPB complaint 15 days ago, have not heard anything back. I was told 15 days was the maximum length of time before a company would respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
in accordance with The Fair Credit Reporting Act. This creditor has violated my rights under 15 u.s.c. Anyone section 602 States, I have the right to privacy 15 USC, 1681 section 60 for a section 2. It also States a consumer reporting agency can not furnish at a kind of count without my written instructions under 15, USCS 1666. Be a creditor may not treat a payment on a credit card account. Under an open end Consumer Credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trans Union, XXXX and XXXX selling information of unsuspecting consumers called trigger leads. 
I understand there is information regarding these leads being sold by the major credit reporting agencies and somehow making it legal to do so. 
I also believe there is an underline issue with this. Not just the fact that there isnt a single person whom I have spoken with who knows this is happening but also the fact that no consumer who has pulled credit for a mortgage has opt in to receive solicitation much less have there personal information sold to a number of mortgage brokers or lenders. 

I am a mortgage broker and I receive phone calls from clients asking me why they are getting between 10 and 15 calls per day, multiple times per day from other mortgage lenders trying to solicit business. Some claiming to be a partner of Transunion and just doing a follow up to make sure the client gets good service. I have an actual recording from a call. 

Do I tell my clients that there information is sold the minute they pull there own credit for a mortgage. it seems that if I am aware this happens then it makes me responsible to disclose the fact that this can happen and more than likely will happen but theres nothing I can do about it. Since the three major credit reporting agencies dont actually pull credit for consumers, they dont have any sort of permission to sell peoples information for profit.

I received another call from a client this morning who stated he received 13 calls this morning from mortgage brokers or direct lenders, all from spam numbers ( robo dialers ). Coincidently I pulled his credit yesterday utilizing rocket pro ( rocket mortgage ) online credit pulling service. Now rocket doesn't sell information, I don't sell information but we both know the credit reporting agencies will sell it. So who is responsible for informing the client that by initiating a credit pull with us for a legitimate service there information will be sold to multiple people. 

This doesn't sit right with me, regardless of being legal or not it seems there should be some protection in the California privacy laws prohibiting this from happening to unsuspecting consumers. 

Last, I have asked every client I know, every friend I have and non of them understood that there information was actually being sold by the credit agencies, they thought they may have filled out an online form somewhere down the road that opened them up to solicitation but certainly not by a trusted credit reporting agency.

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 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Hello I have filed a complain before. Been contacting XXXX XXXX XXXX  for over two weeks. As explained to them I was overseas for a one month trip but unfortunately due to Covid returned after 3 months. Called XXXX XXXX XXXX  and they notified me my balance was negative ( {$280.00} ) .I paid off the amount in full and confirmed with the banker on a recorded line that all is good, nothing on file and nothing will be reported, which the banker confirmed and even told me he can connect me to another person and open a bank account. At the time I did not need one and moved on.3 weeks ago I tried to open an account and was told there is a report on Chex systems .I requested the report and in it XXXX XXXX XXXX has put a remark that this account was charged off and due to fraudulent activity it was closed. Called XXXX XXXX XXXXXXXX over XXXX times, they just connect me to different departments and in some cases i have dealt with very rude and unprofessional people specifically there fraud prevention team. The fraud team tell me I have balance due which I absolutely do not and on the file attached I even got verification from XXXX XXXX XXXXXXXX. The collections team says your balance is XXXX but the fraud team has to remove the report from Chex system. Again the fraud team simply says no and you have to wait for 5 years for it to be automatically removed. ( What are they thinking ) I am professional who works in the medical device industry and my salary is in the mid XXXX XXXX  why would I commit fraud for {$280.00} WHY? Then they tell me I must sent proof, Proof of what? That I didn't commit fraud? You are accusing me of that you send me proof? This is my last follow up I have consulted my lawyer and will follow up with a lawsuit by next month if not resolved. Currently I can not open a business account due to this issue and loosing money and its nota small amount Please follow up right away and remove all reports from Chex system or anywhere else you are reporting this inaccurate information LETTER ATTACHED

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 2022-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
When I refinanced years ago the broker stuck me with a bad deal of a variable rate at 9.25 % with Ocwen now PHHXXXX but I wasn't told any of this until closing at my house so too late to do anything else. I have inquired about refinancing to a lower fixed rate and have been told I don't make enough money even though I pay every month and they said they would charge thousands of dollars in fees so it wouldn't help. Now they are raising my interest rate to 10.25 % even though as far as I can tell interest rates are currently lower than when I closed on the mortgage. I asked about the increase and was given the attitude of they can do what they want and deal with it. I pay extra every month and now they will allocate that money to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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:
I am having trouble getting Equifax to investigate incorrect information they have on my report. They verified inaccurate information so I took the issue up with the creditor who placed it there and they failed to respond back to me and never provided proof of their reporting. I also sent new information to Equifax and they did not investigate it. They violated the Fair Credit Reporting Act by not conducting an investigation. This inaccurate reporting is causing my scores to go down and it's stressing me out and the creditor is aware of what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX, and XX/XX/XXXX, these bankruptcies were added to my credit profile.

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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OK

Complaint narrative:
According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

I sent my letter off to correct the " Names, Addresses, and Phone Number '' on my credit report. I have listed below. Also I have attached the letter I sent out. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The 3 reporting agencies are reporting late payments on my credit reports.

in accordance to the Fair Credit Reporting Act. These agencies have violated my rights as a consumer under 15 USC 1681 section 602 states I have the right ti privacy and 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
My home mortgage was transferred to PHH lending after closing. Shortly after purchasing our home, we had major flooding that caused us to file insurance claims through XXXX. XXXX administered two checks that required endorsement by PHH. These checks were issued for two separate coverages. One was sent to our HVAC company and the other was written directly to XXXX  preferred general contractors. We thoroughly followed all protocols when trying to get these checks endorsed and sent directly to the companies. It is important to note that the checks were made out to the companies for the repairs but needed PHH and myself to endorse. PHH continues to hold the general contracting check refusing to release the funds. We have provided thorough documentation and estimates that they have requested showing that the work has been approved by XXXX and itemized. We have been living out of her home for two months and this is delaying the process. Whenever we contact customer service, our questions are deflected and we never find resolution. When we ask questions about the legal process and contacting the proper channels, we are placed on hold and hung up on. Ive never experienced this level of incompetency by a mortgage company.

Company response to consumer: Closed with explanation