vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK
State: IN

Complaint narrative:
On or about XX/XX/2022, I submitted an appraisal for my house that I had a mortgage with Gateway mortgage. The appraisal was for {$190000.00}. This was to evince that I had more than the necessary equity to eliminate the private mortgage insurance ( PMI ). They refused to do so even though I had over 80 % equity in the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SLM CORPORATION
State: GA

Complaint narrative:
In response to many complaints that I have submitted against SALLIE MAE. My name is XXXX XXXX a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. In reference to Account # : XXXX And follow up to cfpb complaint # XXXX Im aware Sallie Mae stated Please understand that under the Fair Credit Reporting Act, as a data furnisher, we are required to report accurate and complete information to the consumer reporting agencies Im aware that Sallie Mae is making false statements that will now be used against in court. 

I recently received my trimerged credit report on XX/XX/2022 and spotted that Sallie Mae is reporting inaccurate payment history on my credit report. 

On XXXX, Sallie Mae is reporting that i was past due 60 days once and past due 90 days 3 times. How is that true when an account is suppose to become 30,60,90,120, CO in proper reporting standers. 

On XXXX, Sallie Mae is reporting that i have never been late not once on this account. So whats actually thee truth. 

The information on my credit report on inaccurate and not complete. 

I understand that Sallie Mae has violated the FCRA and i have attached viable proof that will be use as an exhibit in federal court. 

I am also aware that Nonpublic personal information is supposed to be EXCLUDED from my credit report. Nonpublic personal information includes transactions between me and the furnisher. Late payments and charge offs are transactions. Sallie Mae has engaged in using unlawful extortionate means which is a violation of 18 usc 894.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I worked with my dentist office to get a service and they used CARE CREDIT by Synchrony. 

The terms were not clear, communication missleading and I ended up paying over XXXX dollars in fees and interest over 8 months for an expense of XXXX On top of that after approving my credit 8 months ago and nothing changing, they changed my limit drastically impacting my credit score

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 2022-06-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Securus J Holdings, LLC
State: CA

Complaint narrative:
JPAY XXXX XXXX for Returning Citizens from XXXX. 

XXXX XXXX File No. XXXX I was released from California XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX and was given my release money on one of these JPAY cards. I tried to use it to set up utility accounts and order things online but was charged all kinds of fees, I was also charged a fee to transfer the money to another bank account and to get my cash off of it. 

All of the things mentioned in the consent decreee happened to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: Receivables Performance Management, LLC
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

I HAVE PROVIDED FULL AND COMPELLING EVIDENCE TO PROVE THAT THESE ACCOUNTS CAN NOT BE ON CREDIT REPORTS. I AM PREPARED TO FILE A CIVIL LAWSUIT AGAINST YOUR BUREAU IF YOU DO NOT COMPLY.

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 2022-06-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The credit bureaus stated that my account with XXXX XXXX came back verified but how is that possible when the status does not match all three credit bureaus. The status updated dates do not match. The last payment date and date of first delinquency also do not match. This is grounds for removal. 

My rights were also violated. 15 U.S.C 1681 Section 602 A states that I have the right to privacy. 15 U.S.C Section 604 A states that a consumer reporting agency can not furnish an account without my written instructions. I gave no such 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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 XXXX 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 year old 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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have made several attempts to have my address updated with both TransUnion and XXXX over the course of three years. I've tried to apply for financial assistance with dental and medical but get denied due to the wrong information and reasons will be mailed to me. Once the reason comes in the mail, its due to the wrong address with the credit bureau. Both credit bureaus have told me that the information they have in there system is wrong and will transfer me to a different department who will then verify my information besides my address and state that the issue was fixed but once I check it wasn't and the process begins with me calling again.

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 2022-06-13 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: GA

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 non-monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ballybunion Enterprises, Inc
State: MI

Complaint narrative:
Another party is trying to collect dept. The dept has been re-aged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: MD

Complaint narrative:
With specificity I am disputing the following inaccuracies on my credit report. 

XXXX XXXX XX/XX/2014 opened XXXX XXXX XX/XX/2014 opened Dispute : These are not my accounts. No account numbers are showing on my credit report, 7 tears have passed, so therefore they should have been removed

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 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive had multiple issues with Wells Fargo. My card was duplicated and used in XXXX XXXX, {$1100.00} was withdrawn at Gas Stations ATMs. I was in XXXX XXXX volunteering at a worldwide religious non profit. Never was in XXXX. Secondly, gift cards were stolen, XXXX found it as fraud, Wells Fargo would do nothing. That total was {$400.00}. The total amount is XXXX Ive spoken and emailed every department within Wells Fargo and have dates, times, what I was told, who I spoke with and copies of emails. Also, Wells Fargo told me they would give me {$100.00} customer loyalty credit, they never 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 2022-06-13 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: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
My credit report for XXXX regarding 3 mortgage accounts just updated with all my payments deffered during covid showing delinquent on all months. Only transunion is showing this and only for these 3 Mr. Cooper/ nationstar mortgage accounts. After defferment i paid all deferred balances in full. Never late, never reported late until just a couple weeks ago. This is damaging and ludicrous as i am working on business recovery from XXXX  and now i am being harmed by fraudulent reporting now suddenly showing up. I was in dispute for other payments and still am but suddednly adding late payments ( about 60 late payments ) during covid times is outright wrong. This needs to be corrected immediatley and negatives removed. This violates the cares act and is otherwise morally corrupt and causing me extreme harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
My vehicle was repossessed for late payments. I called the company to pay the full balance of late payments and the representative would not accept the payment. The representative stated I must pay the full balance of the loan. I could not pay the full balance and my vehicle was sold with the remaining balance still owed. I am receiving letters to pay the remaining balance when my vehicle was illegally taken after a dispute with my employer. I also believe the amount owed is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I really Try reaching out to the company and the credit bureaus to help me with this situation and I had no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX I have a XXXX charge from XXXX  that I don't recognize. I immediately called it in as Fraud, and was promised a provincial credit and was never given that. On XX/XX/XXXX I got a letter that charge was indeed fraud but I still haven't received any credit and was charged since late fees and interest. Today XX/XX/XXXX when I inquired why the charge is still there I was told that this was never called in as fraud.

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 2022-06-13 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: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I have a delinquent remark and the company said they cant see anything when I called them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland Credit contacted me in regards to an account that i have no idea about. When asking for verification, the agent stated " You know this is your XXXX XXXX '' I asked the agent to then repeat what he said, and he said it again. He also told me he will call me everyday until I pay them. I asked them not to contact me again unless its in writing. They have called as early as XXXX and as late as XXXX pm, stating they are different people each time. I also have been recieving multiple items in the mail concerning this debt when i am just asking for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: PA

Complaint narrative:
I closed on a refinancing loan with XXXX XXXX XXXX/BSI Financial Services on XXXXOn that date, {$1300.00} was held in escrow for XXXX XXXX XXXX taxes due XX/XX/XXXX XXXX The amount owed was {$1000.00} by XXXX have a copy of the tax bill. 
In XX/XX/XXXX, I received a certified letter from XXXX XXXX XXXX XXXX XXXX informing me that I owed {$1200.00} for XXXX taxes ( plus late fees ). I immediately contacted BSI as well as sending them a copy of the certified letter. In XXXX, I called BSI and the Tax Claims office almost daily to see if the issue was corrected. Each time I talked to a BSI customer rep., I was assured that it was being taken care of. It wasn't! I asked to speak with someone in finance... I was denied! 
In XXXX, I received a check for escrow overpayment of {$1100.00} which was caused by the failure to pay XXXX XXXX property taxes on my home as well as my land. I had personally paid approximately {$300.00} for my land taxes in XXXX assuming there would be confusion paying the land taxes too. 
My complaint is that I am owed the difference of {$1000.00} and {$1200.00} or {$180.00} for late fees accrued for BSI not paying the owed County property taxes. By law, they are responsible for any late fees and it is not right that they will not meet their obligation!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Glacier Bancorp Inc.
State: MT

Complaint narrative:
GLACIER : Pending DEBIT transaction has been initated on your debit card at XXXX, to deny www.drkarenho.com/glacier/

Company response to consumer: Closed with explanation