vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 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: Grain Technology, Inc.
State: MI

Complaint narrative:
The creditor will not update the balance on my credit report. I have been paying on time but have 30,60 and 90 day lates reporting which is harming my credit and the chance to qualify for a home loan. They will also not allow me to pay the remaining {$25.00} balance. There is not customer service number. Email is the only communication channel and I can not seem to get anyone to reply. I have attached a snip of the account on the credit report and the most recent statement from Grain Technology as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX I accidentally sent a payment in the amount of XXXX to my closed account at American Express. I meant to pay my open account but accidentally sent it via my XXXX Bank bill pay to my closed account number. After realizing my mistake, I called America Express and was asked to submit bank statements to prove that American Express had received this payment. I did this immediately. I have followed up with American Express on several occasions and it is still not resolved. ( 2 weeks ago, American Express told me it was resolved and that I would receive an email the next day, yet nothing was sent. ) I am not sure what to do at this point and need some help resolving this. 

Please note that the account number on page 4 of this complaint is for my active card. My inactive card ends with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I was approved for a Modification of my mortgage ( quite some time ago... roughly XXXX ), with the understanding that I would successfully make THREE Demonstration Payments. At the same time the the Modification was approved the mortgage was sold, so I made the three demonstration payments to another mortgage processor. The mortgage was then again sold, and the 3rd mortgage processor ( in a 4 month span ), which was Rushmore Loan Management, refused to honor my Modification, because they said they didn't have evidence of my XXXX demonstration payments ... when they finally found the evidence of the 3 payments ( about 2 months after becoming the processor ), they still refused to honor the legal approval I had obtained from the first mortgage processor. 

This case has since gone to the courts, and, as it turns out, my " attorney '' had no understanding of the law in this area, and essentially did nothing to convey the circumstances of my case to the court. The property was apparently foreclosed on in XXXX of XXXX ( without my " attorney '' even making me aware ), and sold at auction on XXXX XXXX, XXXX. However I am still residing in my home of 30 years, and wish to continue to fight for my rights ... specifically, that I had legally modified my mortgage, made the 3 required demonstration payments, and that Rushmore Loan Management Did Not Honor my modification, as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2022 Bank of America wrote to me and copied the Office of Attorney General of Maryland that the Principal balance on my home loan ( {$190000.00} with finance charge of {$150000.00} = {$350000.00} ) was {$76000.00}. With an unapplied total sum of {$1100.00} As of XXXX, this lender claimed this amount to the XXXX Md. 
BOA in a rush to foreclose my property issued escalating a new bill in XX/XX/2022 of {$100000.00}. 
This is a predatory lending targeting vulnerable borrower to trap me in cycles of debt leading to foreclosure and bankruptcy. This is worth investigating and I attached herewith supporting papers for evidence.

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 2022-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I was going through my One Main Financial account on my credit report and noticed that more of my {$460.00} payment is going to the interest, not the loan amount. I reached out to my XXXX XXXX, CA branch Representative XXXX and asked her what my interest rate for this account is. She then told me 35 %, when I told her the max interest rate for a personal loan in California that a company can collect is 10 % she was unaware and transferred me to another department which transferred me to another department after I told them the same story. I finally was transferred to the Customer Care Department and spoke to XXXX XXXX if he even gave me his correct name @ XXXXXXXX XXXX on XX/XX/2022, for approximately XXXX XXXX sec XXXX I told him what I told the previous representative, he said let me look at your contract, I told him California Law out ways a OneMain Financial contract. He said let me get a manager to put a complaint in. After having me on hold for so long, he came back and said his system is down and I need to call back to the Customer Care Dept. to put a complaint in. My overall complaint is if you doing business in a State and your Main branch is from another state, follow the state you doing business in rules and regulations. I am a XXXX Veteran so integrity is very big. I do not have a problem paying interest on my loan, but 35 % is too high an my State of California under article XV Section 1 states for any loan of money which is to be used primarily for personal, family, or household purposes, the maximum interest rate permitted by law is 10 % annually. I want to keep this loan as I barely make all my payments on time, but the interest rate should be modified per California Law. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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
Consumer complaint received 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The company denied my request to remove the two credit accounts opened fraudulently from my report, because they claim both accounts were linked to one of my home addresses and phone number. Which is true, but I had no idea of these accounts being opened. My personal information was used on my behalf. Any phone conversations were also made on my behalf without me knowing, using my personal information, which can be found through the searching of public records. I have no knowledge of speaking with capital one verbally at any point since the account has been opened. The company agreed to close the accounts, but still would not remove the alleged debt for these reasons. I repeat, I had no knowledge of these accounts being opened and any recorded conversations with capital one wasn't me, but instead someone speaking on my behalf. Capital one agreed to close the accounts. I don't understand why they won't remove them from my report as well ( it is negatively affecting my score ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
The company and lender inquired into my credit without my authorization. XXXX XXXX XXXX told me that he would not inquire into my credit and it turned out that he did.

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 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: GA

Complaint narrative:
in XXXX i got a letter, 3rd party, AFNI c/o XXXX XXXX XXXX I immediately sent them a debt validation letter asking for proof if i am the responsible for the debt. They did not respond via mail, the responded by placing it on my credit anyway. A MAJOR VIOLATION of the FDCPA & the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
I have sent Navy Federal a Cease and Desist that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. Navy Federal is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my GOD given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a 1099-c to file so i could file with the IRS. A charge off is consider gross income according to the IRS and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed 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 non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
First loan was paid off in 2021. It was a five year contract which means it was during XXXX and it was an overpayment technically. The branch refuse to refund me for the overpayment amount after I got the second loan, requesting for a plan after losing my job, having XXXX, leading to the branch then pulling my credit after they verbally told me by I wouldnt get a loan and threatened to Repossess the vehicle. I also believed they shared my consumer information after I explained I was buying a house and was approved for the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Loan boarded with SPS on XX/XX/XXXX, loan was in the final stages of a modification review with previous servicer, ( XXXX ). The loss mitigation process had to be restarted with SPS and XX/XX/XXXX file was approved for a modification effective trial pmts XX/XX/XXXX in the amt of XXXX. The amt of the payment was off due to the fact that SPS boarded the loan with the incorrect accrual for the real estate taxes. On XX/XX/XXXX we spoke with SPS and sent them the proof that taxes were incorrect. They were collecting XXXX instead of XXXX so when the trial docs were prepared they were collecting the wrong amount, making his pmt very high. SPS was advised by phone on XXXX, today XX/XX/XXXX we were advised that our client needs to make his pmt at the incorrect amount until they fix it. We have tried several times by phone calls, fax and email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank has been discriminating against me because Im on XXXX and receiving XXXX benefits. I had {$900.00} saved on my CD and was fraudulently levying me without representation. 

My CD account was emptied. My TD bank secured credit card was paid and never credited for months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The company and lender inquired into my credit without my authorization. XXXX XXXX XXXX told me that he would not inquire into my credit and it turned out that he did.

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 2022-10-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
divorce : property was kept by ex-wife and sold by ex-wife. 
very unfair credit reporting due to ex-wife XXXX XXXX XXXX acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never late always reporting that i am late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am submitting this complaint on behalf of my client, an account from Transworld System Inc showed up on his credit report with a balance of {$3300.00}. He hired our company XXXX XXXX XXXX XXXX XXXX XXXX XXXX to work on his behalf, we reached out to Transworld Systems to have them validate the account. The letter was successfully submitted on XX/XX/2022 via fax ( proof attached ) but up to this date we have not received an answer, but the account is still reporting on my client 's credit reports. I am requesting per the Fair Debt Collection Practices Act that this account be deleted immediately off his credit reports since it can not be validated, plus the 30-day investigation window has expired. I have called but they have yet to remove the account. This is illegal and I hope you can offer some help in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CONTOUR MORTGAGE CORPORATION
State: MI

Complaint narrative:
I applied for a mortgage with my XXXX XXXX. They ran my credit ( which I authorized ) and then I received no less then 45 solicitation calls from other mortgage lenders directly on my cell phone. I have asked several to stop calling but can't get to all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX Account # XXXX XXXX, and Account # XXXX XXXX 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 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 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX/XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXX XXXX, and Account # XXXX XXXX  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