vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
In XX/XX/XXXX, I contacted PennyMac to request a forbearance plan. This was requested due to a reduction of income due to Covid-19. Additionally, while I was on the forbearance plan I was consistently told that there would be no credit reporting. In XXXX of XXXX my loan was submitted for a streamlined modification and this modification was approved. Again, I was told that this modification would not impact my credit and that there would be no credit reporting. 

However, on XX/XX/XXXX I realized that PennyMac had submitted a 120 day late notice to the credit bureaus. I have called several times since XX/XX/XXXX and was told that this should not have been reported to the credit bureaus and that it would be removed. I was promised a call back with 48 business hours but never received one. 

Today, on XX/XX/XXXX, I called PennyMac and was told that they would not remove the credit reporting because my modification was not setup as a Covid-19 modification. I believe this is an error as my loan should have been setup as Covid-19 forbearance/modification. Also, for the entire time I was in forbearance, I was told that no late payments would be reported to credit bureaus. 

I believe PennyMac needs to correct this because ( XXXX ) they did not setup my loan correctly as a Covid-19 forbearance plan and ( 2 ) they consistently told me that no credit reporting would happen during many of the calls I've had with them since XX/XX/XXXX. 

Sincerely and appreciatively, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 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 2023-03-14 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: Professional Debt Mediation, Inc.
State: PA

Complaint narrative:
Prof Dept inaccurately and reaging added 30day late payment to my account. XXXX, XXXX, and XXXX has not deleted this account despite multiple inaccuracies with this debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
On XX/XX/XXXX I made my payment on my apple card through the apple wallet. However there appeared to be an issue with processing the payment on Apples side as it didnt post until the next day which charged interest. I called and spoke to XXXX on XXXX who is a supervisor who opened a dispute on XXXX the dispute was resolved in my favor and the interest was credited back. However in doing so the company Cancelled the payment and did a manual credit in doing so they placed a hold on the payment until XX/XX/XXXX I called again on XXXX and spoke to XXXX another supervisor at apple who agreed that the payment should not be held as the already hold the funds and it was just a simple back dating of the payment. He advised that he would escalate this up to the customer advocacy team and that I should have a call back later that day. I have called every day since the XXXX and continue to get a different answer every time. Meanwhile my payment is on hold and I have no use of my card and its causing my autopay 's to be rejected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  account 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 account without my written instructions

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 2023-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I have tried for XXXX straight days to withdraw {$200000.00} from my money market and Citibank has refused to provide me access to my funds. They refused to wire my funds. Then they refused to close my account and send me a check. They then had to send me an ATM card to verify me. When I asked to just close my account since they would not do a wire and send me a check, they said it would take XXXX business days to do so. I have lost thousands of dollars as the 90 day XXXX  continues to decline by their actions and I still do not have my money. Please help as this is criminal behavior to stop withdrawals from Citibank in light of the SVB crisis. They would not even provide names or supervisors for me. Just codes like XXXX and XXXX since their call centers are not based in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon B. Sage, P.A. dba Sage Law Offices
State: FL

Complaint narrative:
My son received 2 XXXX XXXX XXXX of XXXX min each, from XXXX XXXX XXXX. The market price range of this service is around {$50.00} per session. Prior to the sessions, I received an estimated price of {$120.00} per session. That information was provided by XXXX XXXX, the actual physiotherapist that attended to my son. The quotation the Hospital offers in their website is {$100.00} per session. 

Despite my son needing treatment of XXXX sessions, after XXXX we decided to change the provider due to the bad services my son received. 

However, after a while the hospital billed the insurance the amount of {$1900.00}, meaning 8 times more than the estimated cost ( {$120.00} per session ). The insurance paid {$280.00} and adjusted the total charge with the hospital. So, the hospital sent me a final bill of {$80.00}, which I paid. 

To my surprise, some months after the hospital started to bill me an alleged difference of {$1500.00}. 

The hospital received {$18000.00} per each ridiculous session of 30 minutes. More than the estimated {$120.00}. 

This overpriced charge is totally illegal since the hospital adjusted the cost with the insurance as well as already charged me the difference not covered that I paid promptly. 

It is notorious that once the total charge is repriced by the insurance, and the provider accepts the lesser fee, the extra value CAN NOT be charged. 

Some months ago, came to me an internal communication whereby the actual hospital employee recognizes they are trying to receive an amount 400 % above the price already paid which they prior accepted. 

The hospital is violating the No Surprises Act rules by billing us an enormous amount extremely over the good faith estimated price. 

Besides, I didnt receive any itemized list with specific details about the services provided able to justify the amount pursued by the hospital. What in that physical therapy sessions would justify such a huge cost? 

Recently, I started to receive threat letters from Sage Law Offices ( debt collector ). Even after I explained to them and PROVED the payment, they are insisting on harass me with undue charges. I made some search, and it seems to be the modus operandi of this Law Firm. 

On XX/XX/2023, I disputed the collection. However, nobody answered me. 
On XX/XX/2023, I received another debt collection letter, once again ignoring my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I tried to work with the servicing company for WF for several years before i lost my house. I was one of the customer that got caught up in the predatory lending scandal and i could never get my loan modified with WF for some unknow reason. This resulted in me loosing my house. I am not sure under this lawsuit if I am eligible for any any funds but please look into this for me and/or direct me to who can help if its not you. It has been a number of years but there is something that could have been done for me on WF part of the deal being my lender.

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 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: NJ

Complaint narrative:
I received this letter ( attached below ) in the mail from a supposed law firm stating I have toll pass violations that I need to pay outstanding fees and and outstanding toll payments for. I verified with the XXXX XXXX and XXXX  XXXX ( toll company ) that I have no outstanding or late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CO

Complaint narrative:
Upon the recommendation of an online acquantance/advisor, i wired {$5200.00} in XX/XX/2022 and {$50000.00} from my XXXX XXXXXXXX XXXX savings account to XXXX XXXXXXXX XXXX , agent for Crypto.com that was to be used for trading crypto currency options using the site XXXX Using a fraudulent password mechanism, the funds were transferred from my account at Crypto.com to a fraudulent site ( supposedly XXXX ) and can not be recovered. 

I have communicated with XXXX XXXX XXXX and Crypto.com ( letters attached ). This fraud is a well known scam and these organizations must be held liable for ongoing losses by consumers. Transfers of funds out of Crypto.com is insecure and consumers are at risk. 

Please see attached communication between me and Crypto.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Harris & Harris debt collection agency located in XXXX and XXXX XXXX have been constantly blowing up my phone since XX/XX/2022 about a debt that they provided me no information on to verify or dispute. They did not even attempt to give me a written notice I could respond to and tell them to stop calling me. They constantly gave me missed calls during work hours without providing information or informing me of my rights and from multiple different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604 A section 2 It also states consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 V a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
LENDER : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Application XXXX XXXX Merchant : XXXX XXXX XXXX XXXX XXXX XXXX sold us an on demand hot water heater to replace the one that was not working. They promised a zero down and zero interest. Sure, I took the deal and signed their paperwork. Several days and the bill came in with a 6.99 % interest rate. Paying that off would cost me {$8000.00} on top of the {$12000.00} water heater cost. 
We talked to GreenSky and even with all of the talks they said the loan was already made and COULD NOT BE CHANGED! In addition they have charged me {$1200.00} of Finance Charges that I could not find in the contract. The question is ; why didn't they contact me or XXXX XXXX XXXX when they wrote a loan contract with an interest rate? 
I didn't even have a chance to read the loan to see that they were going to charge interest. 
We have since paid off the loan in order to avoid those harsh interest payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: Georgia Student Finance Authority
State: GA

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have the 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 XXXX 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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received a letter from XXXX XXXX that my application for XXXX XXXX XXXX XXXX card needs more info to complete the application. I Have never for such a card although I do have and use an XXXX XXXX credit card.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received a letter from XXXX XXXX that my application for XXXX XXXX XXXX XXXX card needs more info to complete the application. I Have never for such a card although I do have and use an XXXX XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I received a letter from XXXX XXXX that my application for XXXX XXXX XXXX XXXX card needs more info to complete the application. I Have never for such a card although I do have and use an XXXX XXXX credit card.

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 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I received 10 calls in one day with a total of 12 calls. Two were XX/XX/XXXX and 10 on XX/XX/2023. I called the representative back at one main asking for a corporate number to discuss. She informed me that the system was on auto dial and shows she only called once on her end at XXXXXXXX XXXX. I informed her of my concerns and they need to have this checked since the auto dial called multiple times and I let her know I would be submitting a complaint. At this time, I would like all correspondents going forward to be by mail only. I am no longer to be contacted by phone as this is intrusive and during my work hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: FL

Complaint narrative:
This is my third time requesting your company to BLOCK the information on my credit file that I have identified as identity theft. The law requires any consumer reporting agency to block information in the file of a consumer that the consumer identifies as identity theft, no later than four days of the receipt of an identity theft report, identification of the information, a statement that the information is not related to any transaction completed by me and appropriate proof of identity. I have provided all of the above mentioned documents and your company is not complying with federal regulations. You are requested to BLOCK the information in my report within 4 days of this notice. My request to block is not being made in error, nor is my request to block made on the basis of material misrepresentation of fact by me relevant to my request to block. I have not received or obtained any services, goods, or money from the companies identified in my FTC report. I received a response from your company to my last request for you to block this information. Your company states that I previously asked you to DISPUTE this information that I have identified as identity theft. I AM NOT ASK YOU TO DISPUTE ANYTHING. I AM NOT ASKING FOR VERIFICATION, I AM REQUESTING A BLOCK OF INFORMATION THAT IS A RESULT OF IDENTITY THEFT. IF SOMEONE ASKED YOU TO DISPUTE ANYTHING IN THE PAST, IT WAS NOT ME. I AM REQUESTING A BLOCK OF THE INFORMATION PURSUANT TO 15 USC 1681c-2. I will be filing a complaint with the XXXX, Attorney General and seeking litigation if my request is not taken seriously. Please see attached 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 2023-03-14 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: Navient Solutions, LLC.
State: CT

Complaint narrative:
In reviewing The Fair Credit Reporting Act I noticed that all 10 of the closed Navient accounts were still reporting inaccurate unverified information on my credit file for the following accounts ( XXXX ) with varying balances. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B states 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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 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 2023-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX  inaccurately and reaging added 30day late payment to my account. Transunion, XXXX, and XXXX  has not deleted this account despite multiple inaccuracies with this debt collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: PA

Complaint narrative:
Prof Dept inaccurately and reaging added XXXX late payment to my account. XXXX, XXXX, and experian has not deleted this account despite multiple inaccuracies with this debt collection agency.

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