vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 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: GreenSky, LLC
State: NJ

Complaint narrative:
On XX/XX/2021, I received a call from a representative from Greensky Financial. I had made an inquiry of their finance programs but never authorized or gave permission for them to make an inquiry ( hard pull ) of my credit history, I had earlier this year had a flag put on my credit report that I should be contacted first before any credit inquiries are performed,. Also to validate my identity and verify I made any credit request. The representative informed me that she had already performed a inquiry of my credit history. I informed her that I never applied for any credit nor do I give permission to perform a pull of my credit history. The representative appeared a little frazzled and apologized for any misunderstanding. I asked her to cancel any such application and not to progress any further. Again she apologized and hung up. Shortly I received a notification was indeed performed without my consent. I immediately called the company to make a complaint. In the next week or two, I spoke to three individuals. The second representative who was named XXXX who eventually got me in contact with a manager, XXXX. I explained to her what had occurred. She understood the complaint and was going to investigate herself and get back to me. This back to XX/XX/2021 I had made calls several other times XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, She could not explain to me how a hard pull was performed on my credit history without my consent. She did agree that since there was a flag, that the representative should have called and received my consent before any pull was performed. Thank you for looking into this matter. Please feel free to contact me if any further information is required. 

XXXX XXXX email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have 5 lates on my credit report that shouldn't be there. I fell behind because i got XXXX in XXXX and couldn't work for 3 weeks. I contacted XXXX XXXX about this and they were supposed to be understanding. I made my payment as soon as I was able to in XXXX and I thought i was up to date - apparently they charged me a late fee that I wasn't aware of, my account looked fine online, so I just kept making my payments. Come to find out that a late charge was on my account that hit my credit report in XXXX, XXXX, XXXX, XXXX and XXXX. 
I can understand one late charge, because I truly was late in XXXX, knew I was going to be and called XXXX XXXX for circumstances out of my control, but to have this continue to roll into several months is XXXX. 
My account is paid up to date as of now, but my credit is suffering for this. It is not fair.

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 2021-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN

Complaint narrative:
I hope this is the right place to file this complaint. A fraudulent line of credit was opened in my name with Citizens One. I have contacted them and submitted a fraud packet. I've been trying to get a hold of their fraud department for over a week and no one is responding. The message says to leave a name and number and they will respond within 1 business day. I've tried the original number I contacted but they said once the packet is submitted, it needs to go through the fraud department and they don't have any other number than what was provided. 

It's been a month since this all started and took almost 3 weeks for Citizens to send me an email with a packet to fill out an send in. Now they don't answer calls. I'm at a loss for where to go next to get them to take action as I seem to be in a void of no one being able to help and no one responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On XX/XX/2020 I paid for certified mail which contained 3 dispute letters for XXXX, XXXX, and Transunion. I did not receive any updates or findings about my disputes and it has been 7 days short of a year since Transunion and XXXX received the letters on XX/XX/2020 and XXXX on XX/XX/2020. 

I have attached pictures of my receipt for the certified mail to be sent and wrote the days the companies received and signed for the mail containing my dispute letters.

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 2021-10-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX. The collection agency annoyingly contacted me even it is already After XXXX XXXX. or before XXXX XXXX This violates FDCPA Section 805 ( a ) ( 1 ) Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
XX/XX/2021 Lost wages due to covid and loss of unemployment! Havent been able to pay my credit card bill. The collections representative asked me could I ask a Neigbor for the money. When I told him I didnt have any he advised me that I was lying! MAME YOUR LYING is what he said to me! Which I really dont have Neigbors. He never offered me any assistance in regards to my account! Instead he just harassed me. At this point I dont want to pay them anything!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
On XXXX, I sent in, via fax, a credit withdrawal request form to get {$10000.00} from my line of credit, to Champion Mortgage. My loan number is XXXX. The next day, XXXX, I called to verify receipt and processing of my request and they said they had no receipt of it. I told them that it had been faxed and the fax transmission sent report showed it went thru to the fax line successfully. In the past I have had trouble getting funds every time as they always seem to have some hoop I have to jump thru to get my funds. 
Sometimes they say the fax didn't come thru properly or it was not readable. But my end showed it was sent successfully. 
In the past they have told me when I call in to verify receipt of my request, they say it only takes a few hours for them to be able to verify receipt of the request for funds. 

Then, other times they say it takes up to 2 to 3 days for them to be able to verify that they received my request for funds. Just today, when I called to see if they had my request for funds, and they said that they had no receipt of my fund request, they said that now they require I have to be subject to a call from them sometime after they receive my request, for them to verify if I did indeed sent in the request for funds. So, it now seems that someone with a reverse mortgage serviced by them, has to have a phone in order to receive funds. A supervisor told me this morning that if I am no't home or didn't answer the phone, and after they leave a message asking for a call back, then they would deny the credit draw request. 

I don't recall seeing any such requirement in my HUD reverse mortgage loan. 

Last time I made a request on XX/XX/XXXX of this year, they were giving all of this same kind of run around and hassle, saying that my fax was not readable ( in spite of it showing successfully ) and I'd have to send in another one. I asked why can't I sent it in via an email, as in the past, and they said they discontinued that practice. But, after some complaining and speaking to a supervisor, they got approval for me to send to a higher level supervisor via email and he approved it and started the process for it to be sent to my bank account, as has been way I get my funds. 

So, you can see, that it is always some form of added measures or steps, that I have to comply with to get funds from my HECM loan. They state they are a debt collector and it shows in that they love to harass and make things difficult, on purpose. They seem to always want to stall the process of receiving funds via a reverse mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to the CFPB ( XXXX ) regarding my mortgage forbearance ending date being off by a month because of a collected payment in XX/XX/XXXX. I received a reply from Loan Depot ( attached ) stating that my forbearance would be extended to the end of XXXX. Since then, I have continued to be told by Loan Depot representatives that my forbearance ended in XXXX. I faxed the letter to their " research department '' as I was told, and never received a reply and clearly they never updated their system. If this is not fixed, Loan Depot will consider my XXXX payment as late, and it should not be because they agreed to extend the forbearance by a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Convergent Outsourcing placed a collection on my credit file, after my debt validation letter response to the original collection notice received via mail. The letter sent on XX/XX/2021 clearly states the timeline in which they are required to respond, as per the Fair Debt Collections Practices Act. I followed up on XX/XX/2021, with a letter notifying them of their non response and their responsibility to comply with the law regarding collections. Convergent Outsourcing is now in violation of the FDCPA rules.

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 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
COMNWLTH FIN XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$62.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
XXXX XXXX  XXXX XXXX DIED, BUT XXXX XXXX IS ALIVE I, XXXX XXXX IS SON GETTING GUARDIANSHIP, ( HAD FAMILY PROBLEMS WITH SIBLING, ETC GETTING INVOLVED ) CAN NOT FORECLOSE IF SHE LIVES THERE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE

Contact XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXXXXXX  THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my DEPTEDXXXX The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Name of Company : Nelnet Account Number : XXXX I enrolled in and have been a member of Nelnet 's Income Based Repayment Program since I graduated college where the amount owed per month is XXXX dollars. I re-enrolled in the program via phone where again my monthly payment was XXXX per month. for 12 months in XXXX XXXX and again in XX/XX/XXXX which was one month prior to the reported late payments. XX/XX/XXXX I enrolled in covid relief via phone as I suffered a job loss due to XXXX. I frequently called Nelnet asking why I was receiving late notifications and I was told their system was down and the account would be updated, however it never happened. Once I saw it on my credit I requested that the phone records be produced and Nelnet has yet to produce them. I called again recently requesting help and I was told yet again that their system was down and they are unable to assist me. This is extremely unfair to me as a consumer and it has severely impacted my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: U.S. BANCORP
State: TX

Complaint narrative:
This is a follow up to complaint XXXX and case number XXXX. US Bank denied my dispute for {$3500.00} under the Fair Credit Billing Act, " If you think there is an error on your bill, you must contact us within 60 days after we send you the statement the error appeared on. Unfortunately, your inquiry about this transaction was received after this 60-day period had passed, and we are unable to assist you further. '' Per the XXXX XXXX statement where the transaction appears, the wording under Information About Your Account states, " If you have a problem with the quality of goods or services you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than {$50.00} and the purchase was made in your home state or within 100 miles of your mailing address. '' I have tried in good faith to resolve the issue with the merchant. Merchant has told us to go to XXXX to get XXXX to fix the issue. The purchase was more than {$50.00} and the purchase was made within 100 miles of my mailing address and in my home state. I am not raising an issue with a billing error but with the dissatisfaction of the goods and services. 

Does US Bank not have to honor the rights for the cardholder since it took over XXXX XXXX? Even US Bank has a disclosures regarding the " Your Rights If You Are Dissatisfied With Your Credit Card Purchases '' and there is not any mention of a 60-day period. The criteria for a 60-day period is under " What To Do If You Think You Find A Mistake On Your Statement ''. This is not a complaint regarding a mistake but with the my rights since I am dissatisfied with my credit card purchase, which falls under " Your Rights If You Are Dissatisfied With Your Credit Card Purchases ''. 

Based on the agreement I entered into with XXXX XXXX XXXX when I applied for card, this complaint falls under the criteria for " Special Rules for Credit Card Purchases '' as stated in the enclosed XXXX XXXX Credit Card statement where the {$3500.00} appears.

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 2021-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld Systems Inc. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Transworld Systems sent letter on XX/XX/21 attempting to collect a debt, which is a fraudulent demand for payment by XXXX XXXX XXXX XXXX. I sent Transworld Systems a letter on XX/XX/21 stating that I do not have any responsibility for the debt. the letter was sent by certified mail ; however, Transworld Systems has not acknowledged receipt despite the USPS tracking showing that it was delivered. This debt is fraudulent demand for payment by XXXX XXXX XXXX XXXX. I provided Transworld Systems the communication I provided to XXXX XXXX XXXX XXXX that this parking charge is not my responsibility as well as their return email confirming their acceptance of the appeal and that no further action is required from me.Despite their acknowledgment that the charge is not mine, XXXX  XXXX XXXX  has sent the matter to a collection agency Transworld Systems in a clear attempt to intimidate into paying this fraudulent charge. Transworld Systems is colluding with XXXX XXXX XXXX XXXX in fraudulently charging citizens and turning these fraudulent demands for payment to collection agencies in an attempt to intimidate people into paying the false charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLOBAL SOLUTION BIZ LLC.
State: SC

Complaint narrative:
This company Global Solution Biz has been make multiple calls to my telephone and text ( XXXX ) making false claims that I owe a debt that I have no knowledge of or received any alleged proof of original contract or authentic signatures or legal paperwork. All the contact has been over the telephone by text and messaging. 

They have threatened to bring legal action against me and claimed to have filed a UCC XXXX without any evidence or substantial proof. I have been dealing with identity theft since the tax return breach and there has been a fraud alert on my credit because of these such problems. 

I have responded to their text message and told them they were making false claims and they have the wrong number and information, since I have no knowledge of obtaining this debt! I have told them to cease all contact from my phone number. 

Furthermore, Global Solution has ILLEGALY disclosed/ published false information of the accused debt to other third parties creating public shame on two occasion that I have been made aware of the fact. I have submitted the evidence.. These two incidents occurred on XX/XX/2021 and XX/XX/2021 from telephone text of phone number XXXX. 
The practices of Global Solution Biz are illegal, fraudulent and degrading and this is why I am reaching out to your agency and making this public report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: NC

Complaint narrative:
I am a victim of identity theft, the following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent American Financial Solution {$100.00} Account number XXXX Hard Inquires : Experian Business Credit XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, Experian Business Credit XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX . XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 

I will be following up with each agency to ensure that this matter is taken care of promptly. Failure to comply will result in a law suit against all parties involved, including any agency reporting fraudulent information to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation