vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To, Consumer Financial Protection Bureau ( CFPB ) I have been on Forbearance due to Covid 19 Financial Hardship since XX/XX/XXXX. I have recently signed with XXXX XXXX a Partial Claim option to go current with my monthly payments and resume making regular payments from XX/XX/XXXX. 

However, I have been informed by my Credit Bureau that XXXXXXXX XXXX  has reported that I am late with my monthly payments by 30 days which has reduced my overall credit scores by XXXX points. I had a very excellent payment history that got messed up by XXXX, I have attached a letter that confirms that I should be starting making payments from XX/XX/XXXX onwards not sure why they reported to Credit Bureaus. I have filed a dispute with XXXX and XXXX, however today I have been informed by XXXX that they can not do anything which I have attached, then I called back XXXX and they are giving me hope again but I am unable to trust such false promises anymore and can not continue being swung between my mortgage servicer and the credit bureau. 

Please help, this is against Cares Act, Mortgage Servicers were not supposed to report to credit bureaus to those consumers that are affected by Covid-19 Financial Hardship, and here I want to resume making payments and they are treating me like this. Please refer to my supporting documents.

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 2022-09-14 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: NJ

Complaint narrative:
To, Consumer Financial Protection Bureau ( CFPB ) I have been on Forbearance due to Covid 19 Financial Hardship since XX/XX/XXXX. I have recently signed with XXXX XXXX a Partial Claim option to go current with my monthly payments and resume making regular payments from XX/XX/XXXX. 

However, I have been informed by my Credit Bureau that XXXX XXXX has reported that I am late with my monthly payments by 30 days which has reduced my overall credit scores by XXXX points. I had a very excellent payment history that got messed up by XXXX, I have attached a letter that confirms that I should be starting making payments from XX/XX/XXXX onwards not sure why they reported to Credit Bureaus. I have filed a dispute with XXXX and XXXX, however today I have been informed by XXXX that they can not do anything which I have attached, then I called back XXXX and they are giving me hope again but I am unable to trust such false promises anymore and can not continue being swung between my mortgage servicer and the credit bureau. 

Please help, this is against Cares Act, Mortgage Servicers were not supposed to report to credit bureaus to those consumers that are affected by Covid-19 Financial Hardship, and here I want to resume making payments and they are treating me like this. Please refer to my supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: NJ

Complaint narrative:
To, Consumer Financial Protection Bureau ( CFPB ) I have been on Forbearance due to Covid 19 Financial Hardship since XX/XX/XXXX. I have recently signed with XXXX Mortgage a Partial Claim option to go current with my monthly payments and resume making regular payments from XX/XX/XXXX. 

However, I have been informed by my Credit Bureau that XXXX Mortgage has reported that I am late with my monthly payments by 30 days which has reduced my overall credit scores by XXXX points. I had a very excellent payment history that got messed up by XXXX, I have attached a letter that confirms that I should be starting making payments from XX/XX/XXXX onwards not sure why they reported to Credit Bureaus. I have filed a dispute with Experian and XXXX, however today I have been informed by XXXX that they can not do anything which I have attached, then I called back XXXX and they are giving me hope again but I am unable to trust such false promises anymore and can not continue being swung between my mortgage servicer and the credit bureau. 

Please help, this is against Cares Act, Mortgage Servicers were not supposed to report to credit bureaus to those consumers that are affected by Covid-19 Financial Hardship, and here I want to resume making payments and they are treating me like this. Please refer to my supporting documents.

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 2022-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: On Q Financial
State: MO

Complaint narrative:
XX/XX/2022 {$14000.00} was paid to OnQFinancial from the XXXX program for COVID19 help. They are unable to tell me where the money was applied. It has been months. This is the second complaint I have filed. They do not return phone calls or emails. I have been on transferred up to 6 different people during a call with no resolution. I am on hold for up to 2 hours at a time. This is poor management and harassments. They are refusing to apply 2 payments made prior to the money sent in XXXX. I received a letter stating they would be returning it. I have never received it. I had my roof repaired and they are punishing me for a " status '' that they can not hold up to or define. This has been going on for 2 years now. I want it fixed. Please help. 

It's my belief this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: TX

Complaint narrative:
On XXXX I was late paying my capital one bill and was charged a XXXX late fee, which I was fine with. I paid on XXXX the XXXX payment. Then, on XXXX I paid the balance in full of XXXX. That same day, XXXX, they charged me interest of XXXX for a balance that was paid in full that morning. I called capital one and wanted them to remove the interest balance of XXXX but, they said that they would not remove the balance. So, on XXXX I paid the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: MI

Complaint narrative:
I've been calling for two weeks to dispute a charge. It was a scam and they have my card number. As soon as I'm the next person to speak with they hang up on me. Every single time. I'm still trying to call and no help. The charge was on XX/XX/XXXX but taken out the following day. What can I do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
SOURCE RECEIVABLES MNG. has been and is still constantly tarnishing my reputation, negatively effecting my business arrangements, and invading my privacy all through my consumer credit report. This is an ongoing battle in my life despite the fact that SOURCE RECEIVABLES MNG and I NEVER even had a contract ; I NEVER consented to do business with SOURCE RECEIVABLES MNG. Therefore, it is unlawful for SOURCE RECEIVABLES MNG. to collect on this alleged debt & that means they should have NEVER been able to have this type of crippling impact on my life. I have previously filed a complaint against XXXX XXXX XXXX, whom removed this SAME COLLECTION from my credit report with all 3 Credit Bureaus, and sold my information to SOURCE RECEIVABLES MNG, whom are currently listed on my credit report as a collection. XXXX XXXX XXXX, has since been REMOVED from my Credit Report. They responded by attaching an evidence of indebtedness with XXXX as the original creditor. I never gave consent for XXXX to sell or furnish any of my personal information! My life is at a halt right now because I am being oppressed by these criminal and fraudulent acts being executed by the two parties. These two parties are knowingly and willingly breaking laws and violating codes of the United States. XXXX knows that the alleged debt arising from this consumer credit transaction was paid in full in accordance with the law.. 16 cfr 433.1, 16 cfr 433.2.. In nexus with this account ( an account that should been in accordance with 12 cfr 1002.2 ( a ), I gave a negotiable instrument per UCC 3-104 ( b ) so for XXXX  to continue to try to collect further payment from me, the consumer and debtor, proceeding that is unlawful ; Them reporting negatively to other parties about me is unlawful ; Them calling me or my account " delinquent '' is them implicating that I, the consumer, did something disgraceful and is in turn, a violation of 15 usc 1692e ( 7 ). They know they are reporting false information ; 15 usc 1692e ( 8 ) .. For them to continuously use a false representation and deceptive mean to collect or attempt to collect any debt from a consumer is a blatant violation of 15 usc 1692e ( 10 ). A complaint has also been made with the FTC regarding this account and debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: DE

Complaint narrative:
I.C. Systems Inc is a third party debt collector who has violated multiple of my consumer rights. Pursuant to 15usc 1681 ( 2 ) sharing my information without my direct consent, 15usc 1692 ( e ) false or misleading representation. 15usc 1692 ( f ), 15usc 1692 ( c ) the company never validated any debt.

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 2022-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
MY NAME IS XXXX XXXX XXXX, I AM MAKING THIS COMPLAINT TO REOPEN A FRAUD CASE WITH XXXX SOUTH STATE BANK REGARDING FRAUDULENT CHARGES SOMEONE STOLE MY WIFE XXXX XXXXXXXX XXXX  WALLET AND PHONE SHE IS PART OF MY CHECKS, WHO STEAL XXXX XXXX 'S INFORMATION OPENED ACCOUNTS IN OTHER COMPANIES TO FRAUD AND IN THE SAME WAY USED SOUTH STATE BANK TO MAKE FRAUDULENT TRANSACTIONS, SINCE MY WIFE XXXX XXXXXXXX XXXX PHONE KEEPS PHOTOS OF HER TO USE AS PROOF OF IDENTITY AND I ALSO KEEP A PHOTO OF MY DEBIT BANK CARD WHICH THEY USED TO CARRY OUT THE FRAUD WITH THE BANK, IN THE SAME WAY I REPORTED THE FRAUD TO THE BANK BUT I WAS NOT KNOWN THAT THEY HAD USED XXXX XXXXXXXX XXXX INFORMATION TO DO THE FRAUD, I REPORTED THIS TO THE POLICE DEPARTMENT I ALSO DID AN IDENTITY THEFT BECAUSE SHE WAS A VICTIM OF IDENTITY THEFT AND EE FRAUD, PLEASE REOPEN THIS CA SO AND HELP ME RECOVER THE CREDITS TO MY BANK ACCOUNT, SINCE MY ACCOUNT HAS A NEGATIVE BALANCE OF {$15000.00} DUE TO THIS FRAUD HERE IS THE IDENTITY THEFT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Starting with XXXX XXXX. We lost XXXX last month over and over. Current FA, a fiduciary, has been more driven to other clients. She's been told by us. 'there 's a problem '. Not sure she knows of them. We are short almost to the XXXX the of our house. Pardon, but this realazation jusu hit me right in my head. A throughout investigation of original accounts through XXXX XXXX XXXX XXXX XXXX should be completed. All funds should be returned to our accounts. All fees, fines, taxes, 'Fiduciary ' fees ( managerial fees ) taken should be returned to us. For as much as disappeared, a multiple should be returned. XXXX XXXX XXXX XXXX never put us in I-bonds, fixed-income, or cds. We have never been told what she would invest in, tax harvesting, and nothing but losers. 

We have an outstanding set of lawyers and planners. As, part their services the were keeping transaction and balance as a 'form of 'checks/balances '. They did a superior job until XXXX XXXX XXXX XXXX transactions.

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 2022-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
I have gotten several approvals from companies that I am approved for a loan I did not apply for They have my SSN and phone number I want this to stop

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 2022-09-14 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am a victim of identity theft, I did not give consent for the loan from synchrony bank that was given to a company called XXXXXXXX to finance a device. The companies has an electronic signature of someone else. They do not have my signature or correct information as far as email or phone number. I have reached out to the company stating I do not have there product they insist on billing 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 monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes XXXX ( XXXX ) ( h ). 
If you, Apple XXXX adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to XXXX ( XXXX ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you, Apple XXXX, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: FL

Complaint narrative:
When my student loans were serviced by Great Lakes, I tried to apply for Loan Forgiveness for XXXX  workers employed by not for profit companies. I was told that these requests were rarely approved and that I would still need to make regular payments as scheduled. I was on a graduated repayment plan and not instructed that I needed to enroll in an income based repayment plan to qualify. In order to circumvent the 6.55-6.8 % interest I had on each of my 3 loans, I refinanced my house and used the equity to pay off my loans with Great Lakes in XXXX  in the amount of {$83000.00}. I have been employed with the same not for profit company for over 11 years and would have now qualified for loan forgiveness had the lender adequately explained my repayment options and eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
Over the last two weeks, I have tried to access my online savings account using my personal sign-in information. To date, when I sign-in, I am only able to access my credit card information, but can not access my savings account or CDs. Amounts in these accounts are substantial. Upon reaching out by phone, I constantly get niceties but no solution. Yesterday, I was told that someone would call me before XXXX XXXX  Eastern time to help resolve this issue, but the phone call never came. Today, I called again and was told that I need to wait up to another two days for a callback. It seems that there is no urgency on their part to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act Afni , Inc # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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