vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: OneMain Finance Corporation
State: OR

Complaint narrative:
My account number is XXXX with One Main Financial. There is not an option available for what the issue is. 

Concern : I notified One Main in XX/XX/XXXX that the vehicle used to secure my loan was non-operable, requiring over XXXX XXXX in repairs and even if the repairs were made there was no guarantee that it would resolve the issues. I then asked them to come to get the vehicle so it could be auctioned and the proceeds applied to the balance, after this was resolved we could discuss any outstanding balance and make appropriate arrangements. I also explained I am only available via email due to my busy work schedule. The company offers an email to contact them but refuses to respond. 

I got no response, the vehicle remains here. In XXXX I removed authorization for them to charge my account ( XXXX XXXX ) and again notified them via written correspondence to contact me via email and make arrangements to come to get the vehicle to auction. I also filed a complaint with XXXX. The company did not respond to any of the above. Today I was charged a payment, which I did not authorize and I subsequently stopped payment. 

Second concern : The company has been charging me for insurance which I have had via XXXX on my XXXX since I got the vehicle. I have notified them multiple times I have insurance and they were listed as the lienholders. I requested a refund, and have gotten none. 

Third concern : Predatory interest rates. When I financed through them they offered to pay off my existing loan and offered me a lower payment. I owed less than XXXX when I refinanced. I refinanced in XX/XX/XXXX. I now owe over XXXX and have made on-time payments every month. This is not what I agreed too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I paid my Apple Card/Goldman Sachs bill on time from a joint XXXX account XXXX My husband and I have different last names. The check was received by Goldman Sachs before the due date, and Goldman Sachs sent confirmation to XXXX that it had been received. On XX/XX/XXXX, I received a notice that my Apple Card bill hadn't been paid. It was due on XX/XX/XXXX. I called and opened a complaint case. I was told they would respond within XXXX business days. The day after I filed the complaint, my husband noticed that his Apple Card account had been credited with the exact same amount that I had paid. It seemed clear to us that Goldman Sachs had applied my payment to my husband 's account, even though my name and last 6 digits of my account number were listed on the check. I called Goldman Sachs support to let them know. I have made at least 3 calls since then to get a status of the case. At one point, a Goldman Sachs advocate called me. I still have not received any resolution after 40+ business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. In this case XXXX XXXX XXXX is attempting to collect XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer 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 2022-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
My forbearance ended XX/XX/2022 and I applied for assistance with my mortgage company but was only approved for a short sale or deed in lieu which I denied. I learned from the local housing fund that my mortgage company can not require me to pay my forbearance balance in one lump sum which they are requesting. I was told by a representative from the mortgage company that I could get the loan current up to 90 days and then they would offer assistance but I can not do that. I was approved for a housing fund grant to pay arrears but the mortgage company is stating my home can go into foreclosure at any time. I have not received any foreclosure documents or information for assistance.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This collection of {$360.00} is being reported on my XXXX XXXX  account. The company has not sent me anything about this debt or what it is about or anything. I want it removed from my credit profile.

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 information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Have reached out to the CEO of XXXX XXXX XXXX multiple times about deleting a late payment from my report. The payment history is not accurate, as the account was paid in full and closed. Have not yet received a response from CEO nor can I reach a live representative

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: FL

Complaint narrative:
Hello there, I'm writing in because I have, seemingly, no other alternative. The company in question is SOFI Financial. I had a checking and savings account with them that has been opened for years. Recently, I also applied for, and was approved for a credit card with them. I activated said card and was declined. I thought that was odd, so I tried once more, and was declined. I received no call from them at all regarding this- which I also found odd. 

I call and they tell me that my entire account, checking/savings/credit card, has been frozen for suspected fraud. Mind you, my checking account has no transactions whatsoever on them. My credit card was brand new. I had planned to utilize both once I received the card. 

My actually issue lies in the fact that reaching someone at SOFI who can give me actual information as to why my account was frozen, or any details at all about my account is near impossible. Reaching a general agent is fine, until you get through and they direct you to reach their fraud team who I can never get through to whatsoever. Immediately when I am transferred, or call the number directly, I am sent to a voicemail box in which I have left 4 voicemails on already on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I have received no response or correspondence back. I have also asked for their general support team to have a supervisor call me back and have received nothing back in return either. 

All accounts are frozen without any reason, ways to resolve the freeze, or ways in which to reach someone who can provide me any information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
My compliant is with Synchrony Bank. I was approved for a credit card in the store in approximately XX/XX/XXXX. While at the service desk in a Sam 's Club, I was renewing my membership when I was ask if I wanted to fill out for a credit card and recieve a discount on my purchase for doing so. I did, but the young lady never told me that the card was approved. While shopping in Sam 's Club on another ocassion, the register ask if i would be applying my purchase to the credit card, I did not know I had. So I contacted Synchrony Bank and verified the card, and they informed me that one had been sent out, but they would re-issue a new card ; the second card was once again not recieved. I contacted them a third time in XXXX, and the second card was going to be cancelled, and a new card issued. ( see email below ). I provided a new address that I requested it be sent too, still the card has not been recieved. I believe this issue with Synchrony needs to be address, because this is or can become fraudulent. Someone is interfering with customers recieving their credit cards after approval. Last 4 digit to card : XXXX, card # XXXX, card # XXXX ending in XXXX. 
Recieved XX/XX/XXXX Hi XXXX, Great news! Your Sam 's Club Credit Card is on its way. Look for it in your mailbox in the next 5-7 business days.

Here are your shipment details : Shipping Carrier : USPS Expected Delivery Date : XX/XX/XXXX - XX/XX/XXXX

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. In this case MIDLAND CREDIT MANAGEMENT is attempting to collect as XXXX XXXX  XXXX These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
I received a call today from Allied collection agency. The person did not identify himself as he was calling from a collection agency. He asked if he was speaking to XXXX XXXX and I said yes then he asked if I could verify my birthdate and when I told him if this was from a collection agency I wasnt going to give any information because I do not owe the debt. XXXX XXXX  is charging me for a treatment my son did not complete at their office, why should I pay if they banned me and terminated treatment. I told them i am not going to pay for a service we did not receive. He wanted to help me but wanted me to verify an address I no longer live at. When I refused he hung up. This account was sent to collection by XXXX XXXX. I have called XXXX XXXX  at least 5 times to straighten the problem but no one has ever helped. Im the last phone call made was on XX/XX/22 at XXXX : XXXX XXXX, I spoke to XXXX and she said she would sent the account for an audit and would send a final bill. Up until this day I have not received anything from XXXX XXXX The only thing I received was a message from XXXX XXXX that the account was in collections and today the phone call from Allied.

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: FL

Complaint narrative:
I WAS REVIEWING MY RECENT CREDIT REPORT AND THERE WERE ACCOUNTS WHICH ARE NOT MINE. I HAVE NEVER APPLIED TO THESE CREDITORS, I'M NOT RESPONSIBLE FOR ANY OF THESE DEBTS, I HAVE NEVER SIGN CONTRACTS OR AGREEMENTS WITH THESE COMPANIES.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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: EQUIFAX, 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 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: Getting a credit card — Application denied
Company: DISCOVER BANK
State: GA

Complaint narrative:
I applied for a Discover credit card near the end of XXXX of this year, 2022 and was sent a denial dated XX/XX/2022 ( violations of 15 USC 1611 and 15 USC 1691 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I requested a loan modification which included waiving penalty interest and fees over a 15 month period amounting to more than {$800000.00}. Shellpoint Mortgage servicing sent me a modification agreement which agreed to reduce the principal amount as negotiated in the summary of the modification. However, in the Modification Agreement itself only the amount that the interest was calculated on was reduced. That means after I resume more affordable payments, at some point in the future I would refinance or otherwise pay off the existing loan and they would demand the full amount including penalty interest. In other words, the summary of modification promised one result and the actual modification provided a much worse outcome for me. The way it was done could be considered deceptive because I had to read it twice to understand and I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I notified ShellPoint that they needed to provide another modification and have not heard a response for the last few weeks although I do get random calls from people asking me what I plan to do about my scheduled payoff date. In other words, their internal systems seem to have no record that I'm in the modification process. Every person who calls seems to be clueless and they all promise to look into it and get back to me and no one ever does.

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 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:
I contacted the agency regarding the information and no actions were taken. 

In accordance with the Fair Credit Reporting Act Professional/ Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, The general Insurance, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SECURITY FINANCE CORP
State: OH

Complaint narrative:
I was unaware that PROFESSIONAL FINANCIAL SERVICES OF OHIO , LLC, did not fully disclose the terms in our consumer credit transaction, I was told that i needed to put down {$3000.00} in order to secure the loan and get the car. I sent a letter 30 days ago and no response at all. 
But as it has come to my attention that in any consumer credit transaction the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 15 usc 1605.

As well as If a consumer prepays in full the financed amount under any consumer credit transaction, the creditor shall promptly refund any unearned portion of the interest charge to the consumer. Pursuant to 15 usc 1615.

As the natural born man and consumer, I am demanding that my downpayment to be refunded to me immediately as well as ALL PAYMENTS I have paid since XXXX/XXXX/2020

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. In this case NATIONAL CREDIT SYSTEM is attempting to collect as XXXX XXXXXXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.

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: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX I received a notification from XXXX that one of my credit card statuses changed. I logged into XXXX account to see my citi DoubleCash mastercard credit card decreased in limit by {$400.00}. This is after I just made a {$480.00} payment last month to substantially lower the balance on this card, now bringing the available credit from several hundred dollars to only {$80.00}. I was not notified by citi that this limit change was happening and it happened four days after the payment was made. I have made on time payments with this card since the card has been open, and have a great payment history with my other credit cards. There really is no reason for citibank to do this to me. 

When I reached out to citibank, to find out why and to get them to reverse this as I am trying to buy a home and them decreasing my limit harms my chances, I was told that I needed to reach out to XXXX because XXXX is their credit management company and would be able to assist with my request. I thought this was the most ridiculous referral I had ever heard but I let it go because it was the weekend and I did not want to deal with it. I called XXXX on XXXX, XX/XX/XXXX and they, of course, told me they couldn't help me. I called citibank back and was told AGAIN that I needed to call XXXX. That XXXX was the credit management specialists and they could tell me why the credit limit was lowered and that citibank could do nothing to help me, no supervisor could help. Finally the person over the phone gave me an address to dispute the credit limit decrease after I kept pushing and prodding that XXXX is an unacceptable answer to my problem. 

Even still, lower a customer 's credit limit with no warning ( its been 20 days since the limit has been lowered! ) and no notification and I have to send a letter with a credit report, my personal information ( social security number, account number, birth date, etc ... ), and a plea as to why it should be reversed is a lot to ask. I am now wondering if the limit would have been lowered if I hadn't made the payment. Is this a systemic issue with citibank?

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