vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Ive been a capital one customer for many years now and Ive never experienced what Im going through with any other card company. Ive made all my payments on time for years but have recently gone through hard times with focus which has resulted in me losing my job and making less then half of what I used too. Capital one has shut my account as of last year as I still continue to pay off my card every month. I dont want the account open but the interest on this card has caused me to make payments every single month and not see the principal balance change at all because of the ridiculous interest rate and fees. I have called multiple times and capital one will not work out a payment plan with me, lower my interest or do absolutely anything to help a long time customer in this situation. Ive been looking at the same balance for so long while still making payments its like they want to bury their customers in interest that will cause them to never pay off a card unless they had extra money. Its so upsetting and frustrating because Im a XXXX XXXX with a house an XXXX kids. It feels like this card will cause me to never get by at all. Its affected my credit so negatively and capital one will literally do absolutely nothing to help me unlike other credit card companys. Hopefully someone with a heart from their team will see this and do something to help me. I really hope I can work something out because at this rate I wont be able to make payments anymore if its just all going to interest. Please just try to work something out to help a long time customer whos family uses capital one but now sees how they treat a struggling customer. I cant afford these ridiculous XXXX $ minimum payments a month out of nowhere

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: S&S Physician Services, Inc.
State: MS

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On XX/XX/2022 I paid the law firm of XXXX, XXXX, XXXX that represented XXXX XXXX, XXXX XXXX Credit Card ending in XXXX the amount of {$2300.00} to settle the delinquent debt. I have requested multiple times and submitted the payment confirmation that shows this should be corrected as settled on my credit reports and closed on my credit reports and it never changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland Credit keeps pulling my credit report without a permissible purpose and failed to validate the debt without any account-level documents. They are pretending to be creditors I have never applied for a line of credit from Midland Credit Management, Midland funding, or Encore capital. I could find an apartment because of midland on my credit report, my husband just died, I have XXXX  kids and I depend on my credit that midland has ruined because they keep pulling my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: RI

Complaint narrative:
Hello, On XX/XX/19, I posted my XXXX for sale for {$1200.00}, and someone named XXXX XXXX XXXX who I now see goes by XXXX XXXX on Zelle ) commented that her brother would pick it up and she would pay me through Zelle. I got an email from what I thought was Zelle confirming that she sent me the {$1200.00}. However, the email stated I could not access the funds because I needed to upgrade to a business account. XXXX explained that in order to upgrade to a business account, you need have sent {$600.00} to someone. At this point, the transaction would go through and I would have the business account. So, the woman sent me XXXX more dollars and asked if she could trust me to send it right back. I receieved an email from Zelle to confirm this as well. She also sent me screenshots from what appeared to be the XXXX  XXXX XXXX showing the money had been taken from her account. I felt pressured and guilty because it was framed that I was holding up this womans money. Luckily, the spending limit on Zelle only allowed me to send her {$300.00} dollars rather than the full {$600.00}. She tried to convince me to send another transcation for the remaining {$300.00}. I then called Zelle and realized the email XXXX is not their official email. She refuses to return the money and blocked me on messenger. Zelle told me there is nothing they could do. My credit union XXXX XXXX XXXX XXXX in XXXX RI ) also said there is nothing they can do, even though the transcation had been pending all day and had not officially gone though. In fact, the transcation didnt go through until I checked my account this morning. Looking back, I can see the typos in the attachments and signs I should have noticed. However, when youre busy, stressed, and out and about, it is easy to fall victim in these scenarios. I am hoping I have some rights here. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2022-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Thursday, XX/XX/XXXX, unauthorized charges were attempted on a locked debit card which was supposed to deny all attempted transactions. After receiving a message from Ally Bank 's fraud protection program, I checked my account to find attempted charges. After attempting 3 times to call the fraud phone number for Ally, I finally spoke to someone who said that my card would be flagged, cancelled, and a new one sent out. I was also assured that the attempted charges had been denied and would not post to my account. After getting off the phone with the fraud department, I called the normal number for the bank and waited on hold for over 40 minutes to be assured that my money was safe, my card was cancelled, a new one sent out, and that the charges had not been allowed and would not post to my account. Today, XX/XX/XXXX, I checked my bank account to find that the charges had indeed posted to my account. This is not the first time I have had a debit card number from Ally bank stolen, and I have taken measures to keep my card locked at all times and only use it for ATM withdrawals. Ally needs to be held responsible for their failures to protect consumer information.

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 2022-08-20 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: I.C. System, Inc.
State: MS

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar 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 2022-08-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
During 2020 I applied for mortgage forbearance, I was originally with the company Nationstar who was given to my mortgage by XXXX. 

I was impacted by XXXX and used the protection to stop payments for 12 months, at that time I chose to take advantage of the veterans option to have a loan modification process that would allow me to put those payments at the end of my current loan. 

It was initially processed through Nationstar and I received a notification that I would be receding documentation and mail that would describe the process and became the information about the change to the loan. 

No documentation was ever sent to my address, no documentation was sent to my e-mail, no documentation was sent to my XXXX account. 

Months later I checked my accounts and found that not only had they not applied the covid 19 relief, but that they were now rejecting the original application due to non-payment. 

During this time I had received no contact with them regarding the status and not a single document showing that there were any issues. 

Their website clearly stated that I did not need to do anything and that I would receive paperwork in the mail about the next steps. 

No paperwork has ever been received. 

I spoke to another representative at Nationstar at that time and explained the issues I had with the online process. That rep explained that they would re-initiate the process and allow me to make a payment to get up to date. 

I confirmed that I would receive another callback from the rep and that I would receive paperwork in the mail detailing the process and forbearance program that was applied. 
None of that has occurred. 

The company Mr. Cooper was then passed my loan. 

I have explained the same situation to Mr. Coopers representatives. 

Nothing has been done on my loan from Mr. Cooper either. 

I have no documentation showing that I have received approval for COVID-19 relief from them, or that they have contacted the previous company to confirm that I was eligible and approved. 

Their representatives have stated they would be checking on this and have failed to provide any updates since. 

I was originally told I had 50 days until foreclosure and it has already been 20 days. 

I can not wait any longer and am looking for legal assistance in getting the loan cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
18 U.S. Code Chapter 47 - FRAUD AND FALSE STATEMENTS Federal fraud law is defined under 18 U.S.C. 10011 as knowingly and intentionally doing any of the following : Falsifying, concealing, or covering up by any trick, scheme, or device a material fact ; Making any materially false, fictitious, or fraudulent statement or representation ; I never asked for a release authorization form, I never signed a release authorization form, Nelnet never sent me a release authorization form, I never completed a release authorization form there fore Nelnet never received a release authorization form from me. 


( XXXX ) To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX WHAT! 

I never asked for or signed a release of authorization form. 

A release of authorization form for what? 

I have no idea what you talking about! 

Is this NELNET continuing commit more fraud? 


-- -- -Original Message -- -- - From : XXXX To : XXXX XXXX Sent : Fri, XX/XX/2022 XXXX XXXX  Subject : Re : Release of Authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PA XXXX XXXX XXXX I never asked for or signed a release of authorization form. 

A release of authorization form for what? 

I have no idea what you talking about! 

Is this NELNET continuing to committing more fraud? 






-- -- -Original Message -- -- - From : Nelnet XXXX XXXX XXXX To : XXXX XXXX Sent : Fri, XX/XX/2022 XXXX XXXX  Subject : Re : Release of Authorization Untitled Dear XXXX XXXX Thank you for contacting Nelnet XXXX 
We have received your release of authorization form, and added XXXX XXXX to your account. If you do not wish to have this person or entity listed as someone Nelnet is able to discuss account specific information with, please contact us as soon as possible. 
Were here for you when you need us. If you have any questions, please call us at XXXX or visit Nelnet.com. 

Sincerely, XXXX XXXX. 
Nelnet XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX my 0 % balance transfer promotion ends. 
According to Credit Card Act XXXX Section 164 B.2 Two months prior to promotion expiring, excess payment over minimum is applied to balance on which interest is deferred. 
XX/XX/XXXX I made an autopay of XXXX ( minimum ) XX/XX/XXXX I made an additional payment of XXXX intended to be applied to the promo balance 0 % that expires XX/XX/XXXX. It was not applied to that balance. 
XX/XX/XXXX I contact Citi customer service and ask for that payment to be allocated to expiring promotion in accordance with this section of regulation. I was told we understand but our system has no way of adjusting that. 
Im wondering how many people are being left with an unexpected interest charge due to this noncompliance.

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 2022-08-20 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:
I have a heloc with XXXX XXXX XXXX  in XXXX XXXX, Fl. They updated their account systems and my account was assigned a new number. Experian will not acknowledge the change in number and shows me having two separate lines of credit. I have tried to dispute with no success. The bank says they have tried also and have other customers with the same problem.

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 2022-08-20 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: NJ

Complaint narrative:
I noticed an account on my report I do not recognize

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 2022-08-20 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: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
I have already filed a complaint with the CFPB which nothing was done and my rights have been violated in accordance to 15 USC 1681. This company has and still is reporting INACCURATE/INFORMATION! They are reporting a charged off account for a phone as a vehicle lease WHICH IT WAS NOT. They have violated TILA as well I was not disclosed the actual and correct price for the property. I have attached evidence in my last dispute. I have been denied a apartment for me and my kids to live and this has caused stress and anxiety trouble at home. The Fair Credit Reporting Act as put in place to protect consumer from instances like this one! They are now reporting XXXX on my credit report which is false and has caused STRESS!! This is not ACCEPTABLE for this company Acima to do what they want with disregard for the LAWS, RIGHTS of a litigious consumer. I will be exploring my options with an attorney as well. I hope the CFPB enforce the LAW this company has violated me to the upmost. I have attached copies. They have not responded to my affidavit which was notarized. The tracking # for the USPS is XXXX which you received XXXX XXXX @ XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Apple Account has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: PA

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.

The companies listed below 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. 

XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Amount {$300.00} Balance date Account designator code Individual account Account number XXXX XXXX XXXX. XXXX OR XXXX XXXX LISTED Date opened XX/XX/XXXX Amount {$560.00} Account designator code Individual account Account number xxxxxx XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Amount {$590.00} Balance date XX/XX/XXXX Account designator code Individual account Account number xxxxxx XXXX XXXX. XXXXXXXX XXXX Date opened XX/XX/XXXX Amount {$620.00} Status date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
My information was sold to a third party without my authorization. In accordance with the fair Credit Reporting act Goldman Sachs Account ending XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A credit may not treat a payment in a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: NJ

Complaint narrative:
I noticed an account on my report I do not recognize

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 2022-08-20 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: NJ

Complaint narrative:
I noticed an account on my report I do not recognize

Company response to consumer: Closed with explanation