vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 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: SLM CORPORATION
State: FL

Complaint narrative:
I did call Sallie Mae Early of 2019 ( XXXX of 2019 ). To ask for a settlement and I did not want to call them during that time because I only had. {$4900.00} with me. But I still did. I did not agree with all of it and wanted to see if they can do a settlement for me but these accounts are inaccurate. I wanted to settle it but they Told me the loan was sold. 3 weeks later- I filed for a dispute with XXXX XXXX Sallie Mae failed to do this again. Unable to provide me any proof. For example, the loan shows now I owe {$10000.00} when it was XXXX. Date was also incorrect. SallieMae can't give me any information and XXXX keep telling me ''Sallie Mae responded to us and told us these accounts are valid '' 2 years later ... .Ive been sending dispute letters and nothing had happened. How is it considered sold? and still consider it as charged off? XXXX failed to provide this information too. How am I supposed to pay and make a settlement when they couldn't even find me? If it was really sold. They should've told me where to contact the new creditor. XXXX failed this and for the 10th time. I am still unable to resolve this.

Some of these accounts are already 7 years old. I consulted a lawyer about this but even told me its not worth it to settle these accounts because its so old. If I did settle this 4years ago. It'll make more sense.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and found errors/things that don't belong to me on it. I disputed the errors, but they did not remove them from my credit report. 

XXXX XXXX XXXX for {$5400.00} does NOT belong to me and I want it removed from my credit report. 

XXXX XXXX XXXX XXXX for {$48.00} does NOT belong to me and I want it removed from my credit report. 

How is it that credit reporting agencies can put whatever they want on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: FL

Complaint narrative:
On XX/XX/XXXX i noticed 5 new inquiries and 3 new accounts showed up on my Transunions report which were not mine. The inquiries in question are from XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as from XXXX XXXX dated XX/XX/XXXX. The accounts in question are XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  account starting with XXXX. I contacted Transunion and was transferred to the fraud department. Upon speaking with the rep, i was told to contact the places these accounts and inquiries came from. i asked to speak with a supervisor and the rep hung up on me. I went ahead and contacted all of these places. XXXX XXXX told me that they did not see any applications submitted under my name and social for those dates and to contact Transunion and have them deleted. XXXX, XXXX XXXX, and XXXX XXXX also stated the same exact thing. I did not contact Transunion back because I was hung up on when trying to get this taken care of through them directly.

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 2021-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: ID

Complaint narrative:
I have been trying to resolve this for approx 1 year, I have missing pymnts that have not been applied to my acct. I have all my notes and dates and times when I have called them. I get NO WHERE.. put on hold and never get back to on many occasions. I have talked to research dept/ escalation's/ I have sent them bank stmnts and transmittals of the transmittals from XXXX XXXX  showing the pymnts and dates. Now I can not even make a paymnt to the acct for the past 2 months due to its on a hold with the issue. I need someone to get on this and get it resolved, this Loan service is a joke.. 

Please advice

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 2021-10-25 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I opened an Apple card in XX/XX/2021 as part of the process to purchase the new XXXX XXXX. I was approved for amount required and completed the transaction on XXXX 's website. At some point during the transaction there was some failed communication between XXXX and Apple Card, because Apple Card shows a pending transaction for over {$1400.00} but XXXX the merchant has no record of the transaction. The card now is basically unusable because until the transaction clears I can't reorder the product. 

The transaction has been pending since XX/XX/XXXX and even though I've spoken to XXXX ( in person and on the phone ) multiple times and Apple Card multiple times, each side says the problem is on the other side and no one will help me. 

Apple Card says pending transactions will be cleared after 2-3 days and at most 2 weeks after a merchant starts a charge. It's now been 5.5 weeks of this pending transaction. I tried to dispute the charge but Apple Card says they can't dispute the charge until it posts. So basically until this transaction posts, I'm in complete limbo when I tried to use an Apple credit card to purchase an XXXX product.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
MY NAME IS XXXX XXXX WAY2GO CARD # XXXX IS THE NEW CARD, THE PREVIOUS CARD HAS BEEN DEACTIVATED DUE TO UNAUTHORIZED CHARGES. 

ON XX/XX/2021 THE XXXX XXXX XXXX IN XXXX XXXX XXXX CHARGED AN UNAUTHORIZED {$1800.00} TO MY WAY2GO CONDUENT MASTER CARD/DEBIT CARD WHICH IS A PREPAID CARD FOR MY CHILD SUPPORT PAYMENTS. THE XXXX XXXX XXXX CHARGED AN UNAUTHORIZED {$1300.00} TO THE SAME CARD THE SAME DATE. I NEVER HAVE BEEN TO EITHER ESTABLISHEMENT NOR HAVE I AUTHORIZED THESE FRAUDULENT CHARGES. I WAS NOT AWARE OF THE CHARGES UNTIL I CHECKED MY CARD BALANCE AND IT WAS A LARGE NEGATIVE BALANCE. AFTER GOING THROUGH MY STATEMENT I IMMEDIATELY DISPUTED THE CHARGES WITH WAY2GO CONDUENT WHO RESPONDED BY TELLING ME THE MERCHANTS REFUNDED THE CHARGES WHICH WAS NOT TRUE. I ASKED FOR PROOF OF THE REFUND OR CHARGE REVERSAL AND PROOF THAT THE AMOUNTS HAVE BEEN CREDITED TO MY ACCOUNT. I HAVE NOT RECEIVED PROOF OR DOCUMENTATION OF MY CARD BEING CREDITED FOR THOSE UNAUTHORIED AMOUNTS. MY ACCOUNT BALANCE IS CURRENTLY NEGATIVE IN THE AMOUNT OF THE UNAUTHORIZED CHARGES WHICH IS CAUSING ALL OF MY INCOMING DEPOSITS TO GO TOWARD THE NEGATIVE BALANCE. I AM NOT RECEIVING MY CHILD SUPPORT PAYMENTS DUE TO THIS ERROR. I WOULD LIKE A FULL CREDIT FOR THE {$1800.00} AND {$1300.00} SO THAT MY CARD IS BACK IN GOOD STANDING AND OUT OF THE NEGATIVE. I HAVE NEVER HAD A NEGATIVE BALANCE UNTIL THIS ERROR OCCURED. I HAVE SPOKEN WITH 6 DIFERENT PEOPE IN THE DISPUTE DEPARMENT REGARDING RESOLUTION. I WAS TOLD A TROUBLE TICKET WAS CREATED ON MY BEHALF IN ORDER FOR THE CREDITS TO BE APPLIED TO MY ACCOUNT. I WAS TOLD TO ALLOW XXXX TO 5 BUSINESS DAYS FOR RESOLUTIN, YET IT HAS BEEN 9 BUSINESS DAYS AND STILL NO CORRESPONDENCE OR RESOLUTION FROM WAY2GO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to EQUIFAX Credit Bureau the date of the last letter was on XX/XX/XXXX. And now in the month of XX/XX/XXXX, still nothing from them. That means EQUIFAX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: GA

Complaint narrative:
Experian is continuing to report an aged out account. I have submitted proof of the age and the company XXXX XXXX XXXX XXXX has responded saying that it is old but they will continue to report it and Experian is responsible for deleting it. Experian 's response is always to defer to the company and this is a violation of my rights. The account should be deleted from my report based upon FCA rules not based upon XXXX XXXX XXXX XXXX 's discretion. Please reference case number XXXX for all evidence and responses from both parties.

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 2021-10-25 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:
Just TODAY pulled credit score directly from EXPERIAN. XXXX. CALLED BANK for refinance TOLD XXXX. Wife even lower THE GREAT SCAM CONTINUES. See prior complaint. Opinion The system set to scam people. Now get even lower score because rejected for loan. How pitiful you all are. Entitled to that opinion by nature of experience and your works or lack thereof.

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 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: VA

Complaint narrative:
on XX/XX/2021 Spire recovery solutions ( SRS ) contacted myself at XXXX, as well as my business line owned by XXXX at XXXX, and my son at XXXX and my sister at XXXX on XX/XX/2021 they did it again. 

It is my understanding that they can not contact family members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
Over 2 years ago, I requested a manual review of almost 33 payments XX/XX/XXXX to XX/XX/XXXX that have been labeled as ineligible payments for PSLF programs and have not received a reply. I have called FedLoan and have been told there is no timeline for these requests. 

I am now requesting help to have this review completed as I am now over 120 payments but can not have loan forgiven, because these payments are not being counted. I have been told that the payments that were initially marked as ineligible are due to being on the wrong repayment plan, payment outside of the payment window, and no bill being due. I am on the correct payment plan, and did not pay outside the payment window. I believe without my knowledge they put me in forbearance in order to complete the transfer of my loans. During that period, I was paying the loan, however, they were not counting it due " no bill ''. I have called FedLoan to request administrative forbearances be retroactively removed from my account. Prior to FedLoan, I was paying Direct Loans since XX/XX/XXXX and it was switched to FedLoan in XXXX. However, FedLoan only has records from XXXX even though my loans were consolidated and being paid from XXXX. Attached are my tax returns, on line 18 were you can see the student loan interests being paid. If I was not paying my student loans, I would not be able to complete that on my tax forms. 

Can you help me get the manual review completed on the eligibility of my payments through FedLoan Servicing? ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: NY

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them a last letter, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: NY

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Reliant Capital Solutions, LLC
State: IL

Complaint narrative:
on XX/XX/25 i received two back to back calls from reliant credit solutions, i did not answer as i was working, i then proceeded to be told that they have been contacting my work

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This complaint is against XXXX  XXXX XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotically debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harassments, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: MD

Complaint narrative:
This complaint is against XXXX  XXXX XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotically debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harassments, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.

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 2021-10-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased a XXXX XXXX in XXXX and was persuaded by the dealership to purchase GAP insurance at the time of the purchase because if something were to happen to the vehicle the insurance would cover the difference between my insurance and the cost of the car. 

I did not expect to utilize it however I was in a car accident about a year later and the car was deemed a TOTAL LOSS. My insurance company paid for the vehicle, however, their was a remaining balance left on the finance for the GAP Insurance that I financed in the loan. 

There was no reason GAP should not have covered the difference and I feel I was scammed and cheated for even financing gap with the car, as my insurance covered the full amount minus the gap coverage. If you look into the paper work you will see the remaining balance on the loan was for GAP! 

That being said, CapitalOne Auto reported negative on my credit report, so I reached out to resolve the issue. I reached out to them and was told if I made a payment the negative information would be removed from my report. I settled for slightly less then the amount, and they marked it as PAID with XXXX, but Derogatory with XXXX and XXXX. Adding insult to injury I reached out to them with no resolution.. 

I have reached out to them several times and have also reached out to XXXX, XXXX, and XXXX with no resolution. 

At this point I am becoming disheartened because I feel I was scammed into purchasing GAP insurance, and financing it with the car. Only to be cheated. They financed the gap, it did not cover my loss, left the gap insurance on the cost after the car was totaled and now are reporting negatively on my credit for the amount of the gap insurance. 

They are also not reporting the information incorrectly. Cap One Auto is reporting a last payment date of XX/XX/XXXX with XXXX and XXXX, but XX/XX/XXXX with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Receivables Performance at XXXX XXXX XXXX XXXX # XXXX XXXX, Wa XXXX has been sending me collection notice in the amount of {$1000.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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