vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 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: CCS Financial Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX also known as XXXX fraudulently reported a debt to CCS Collections and is refusing to remove it. It started back in XXXX when XXXX was charging me an incorrect balance of {$250.00}. I called them, send emails and did chats with agents trying to get it resolved. They brushed me off for months and instead of correcting the amount due, the sent the amount of {$250.00} to CCS Collection agency. I still continued to contact XXXX until I finally got someone on the line from XXXX who truly looked into my issue and admitted that XXXX " made a mistake. '' He corrected the balance due as {$28.00}. I paid that balance and stated that if someone would have helped me and corrected this inproper charge months ago, I would have paid it. This bill would have never went to collections. Instead of helping me and correcting the error that THEY made, they first sent it over to collections in which now shows up on my credit report. They marked the debt paid or settled, but i want it removed! It was fraudulently sent by XXXX as they try to bully me to XXXX {$250.00} when I only owed {$28.00}. This is causing an incorrect reflection of me on my credit report because of XXXX XXXX greed and error. They should not be able to get away with this, and this collection should not be able to sit on my credit report for 7 years because of XXXX  insurance billing error. I have the auto policy number and any other information you may need to investigate further.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Conns has been repeatedly calling my husband and myself after I have asked them not to. I paid my balance in XX/XX/2022. They are calling telling me that I paid everything but {$60.00} and now I owe {$200.00} because of accrued interest. I offered to pay the {$60.00} that was apparently owed and they dont want to accept that. This balance was paid 6 months ago and they did not contact me for the first time until XXXX. Ive spoken to SEVERAL different representatives from their company and asked why it took them sooo long to contact me. I have repeatedly asked them to stop calling me. They are calling my cell phone, my husbands cell phone and my work #. It is getting out of hand!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I returned the car back to the Toyota after my divorce back 2018 they sold the car a week later now they charge me for the monthly remaining balancing for the lease and storage I'm trying to do arrangement with them because they told me it won't be the problem because I made a decision to return the car by myself. 
I'm not going to pay for the storage and for the remaining balances for the lease because it was not repossession by Toyota it was a voluntary return.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I applied for Texas XXXX XXXX  XXXX and was told that I meet all the requirements for them to pay my past due amount plus three additional months. They have reviewed my application and the only thing they need in order to approve me for the funds is for my mortgage servicer to register with the XXXX program. My mortgage servicer is Randolph Brooks Federal Credit Union and they admitted to me that several customers have been denied funds because RBFCU has not registered to participate in the program. RBFCU will only tell me that upper management and their legal department are looking into, but they can't guarantee that they will participate or give me an ETA on how long it will take for them to decide. In the meantime, I am still at risk of foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I did not receive any notifications from this company or the right to dispute this false claim. I DO NOT OWE XXXX ANYTHING. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: FL

Complaint narrative:
The response of the company indicated that the account was closed. The account was closed the money in the account was issued back to consumer then a month later the bank decided that there is {$190.00} dollars outstanding balance. the question is when the account was closed and the check was issued to the consumer if there is an outstanding balance it would have been taken care of. and if the bank account is closed then it should have not have any activity for the account was closed by the consumer. Did the bank personal stole the money and then put it on a closed account? lets face it we know you are XXXX and we know your practices. Hey logic use logic. a closed account can't have activities! closed account that issued the balance to the consumer without counting the funds claimed is bank error that the bank needs to know they are the preditoter. XXXX XXXX proved themselves to be XXXX. They pay their tellers {$10.00} dollars in hour and those tellers seek public assistance and that is steeling for the bank is profitable to pay their tellers. but the XXXX gets paid $ XXXX plus while the tellers are getting public assistance those behavior of unethical practices have empowered the XXXX to act in such a savage way! and where we are now the time of the truth we the people are not going to allow any form of abuse to any of us! XXXX XXXX we will expose your unethical behavior You stole the {$190.00} dollars because your hungry staff XXXX XXXX XXXX and now you are sticking it to the citizens we will not stop and I will keep posting it until the public is aware of your unethical behavior and whoever supports it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The response of the company indicated that the account was closed. The account was closed the money in the account was issued back to consumer then a month later the bank decided that there is {$190.00} dollars outstanding balance. the question is when the account was closed and the check was issued to the consumer if there is an outstanding balance it would have been taken care of. and if the bank account is closed then it should have not have any activity for the account was closed by the consumer. Did the bank personal stole the money and then put it on a closed account? lets face it we know you are XXXX  and we know your practices. Hey logic use logic. a closed account can't have activities! closed account that issued the balance to the consumer without counting the funds claimed is bank error that the bank needs to know they are the preditoter. XXXX XXXX proved themselves to be XXXX They pay their tellers {$10.00} dollars in hour and those tellers seek public assistance and that is steeling for the bank is profitable to pay their tellers. but the XXXX gets paid $ XXXX plus while the tellers are getting public assistance those behavior of unethical practices have empowered the XXXX to act in such a savage way! and where we are now the time of the truth we the people are not going to allow any form of abuse to any of us! XXXX XXXX we will expose your unethical behavior You stole the {$190.00} dollars because your hungry staff XXXX XXXX XXXX and now you are sticking it to the citizens we will not stop and I will keep posting it until the public is aware of your unethical behavior and whoever supports it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I called on XX/XX/XXXX to get a refund on loan payments made since XX/XX/XXXX and was told it would take 45-60 days to see the balance updated and receive the refund. I was also told that they were unable to find any information on two of my five total federal loans after they were taken over from XXXX After the conversations, I received no additional information that the request had been submitted and have not heard anything since. I need the refund to be sent and the balance to be updated before the forgiveness form becomes available in XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: DE

Complaint narrative:
On Saturday, XX/XX/2022, I initiated an " INSTANT DEPOSIT '' from my XXXX  TO my PNC JOINT Checking account, in the amount of {$86.00}. 

Between XXXX and PNC, I'm NOT getting ANY REAL answers or satisfactory resolutions. PNC on Saturday DID acknowledge an " issue '' with " 3rd Party payment applications platforms '' ; or some convenient XXXX like that. The issue was SUPPOSED to have been " resolved '' by now, and the FUNDS CREDITED. Really? I'm seeing NOTHING to that effect AT ALL. 

So the question is, WHERE IS THAT MONEY, and WHEN will it be CREDITED to our account? 

SOMEONE SOMEWHERE has that money, I'm convinced. 

Now, our checking account is running in the NEGATIVE, and one recurring debit card bill payment was DECLINED just TODAY for " insufficient funds ''. This would NOT have happened had that money been TIMELY CREDITED to our account. So what now? We have to incur FEES for insufficient funds when this issue is clearly NOT mine nor my husband 's FAULT?! We DON'T THINK SO! 

FIND THE MONEY AND CREDIT the same, PERIOD!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently applied to a Capital One XXXX XXXX credit card. I received a letter that I was denied due to active credit limits, which makes absolutely no sense. I have a XXXX credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I am planning on traveling and I believed Capital One XXXX is the right choice for myself. I have credit cards with them for Business and as a loyal customer to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry and they can reconsider. I would be happy with the credit card for its travel perks and wanted to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I demand a response and a resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: American First Finance, Inc.
State: FL

Complaint narrative:
I contacted these companies letters on XX/XX/22 which were sent with US certified postage letters about inaccurate information on my credit report and they have not responded to my letters. The FCRA says they are supposed to respond to my request within the 30 days and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had went to review my credit report and it shows something like a credit card for Sam 's club so I called their number they're saying nothing like that is on their file and I had to file a complaint with the XXXX 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 2022-09-12 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: Goal Structured Solutions, LLC
State: NC

Complaint narrative:
I have two loans that went into repayment with Launch Servicing , LLC. I contacted the company to request a forbearance for both loans. I was granted a forbearance for both loans. I received an emailed letter from Lauch Servicing, LLC stating that the forbearance/postponement date for loan ending with XXXX begins on XX/XX/XXXX and ends on XX/XX/XXXX, with the next payment date due on XX/XX/XXXX. The second loan ending with XXXX stated that the forbearance/postponement date begins on XX/XX/XXXX and ends on XX/XX/XXXX, with the next payment date due on XX/XX/XXXX. However, when I checked my credit report, it had a negative mark for a late payment even thought I was granted a forbearance/postponement for the dates/periods stated above. I contacted Launch Servicing , LLC and was told that they are not able to remove the negative reporting, but I can dispute it with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: CL Holdings LLC
State: DE

Complaint narrative:
IN accordance with the fair credit reporting act jefferson capital system acct # XXXX has violated my rights. 


15 U.S.C. 1681 SECTION 602 A STATES I HA VE A RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: CA

Complaint narrative:
On XX/XX/XXXX I had my name changed in court, just my middle name, so supposedly once info is corrected with social security offices it should be " easier '' than if it were my full name, but I still did as I was advised and tried double checking after with the credit unions to make sure my middle name had been changed and didn't run into any issues down the line. No issue with 2 of them, but with equifax not only was the info not changed/updated but. 

- they say to just make an account on their website. You do this and you'll never be able to login. Doesn't matter device or browser, their site is poorly and insecurely constructed. You're led to a " sorry we can't do that please call this number '' page every single time. 

- you call that number like I did on XX/XX/2022, and twice last week and the week before ( XXXX, XXXX, and XXXX I think are the right dates ) and you're connected to a call center where English is clearly the XXXX XXXX  the call center is very audible in the background in a way that makes me believe the employees aren't given headsets ( I used to work in a XXXX XXXX, for me to hear other operators in the background this clearly you'd have to not have headsets ... which for customer support at XXXX  would be one thing but this is a major credit union where SSNs are being thrown around! ). I know they have a script to read from but it was also clear that on each time the operators just couldn't understand me and made no effort to actually fix or help with the problem. All they do is tell you to reset your password and then hang up on you. By try 3 or 4 I was firmly saying I won't be doing that because that's clearly not the problem, the solution, nor ever was. It's very clearly a problem with their website itself. They just keep repeating their script to change your password over and over again to the point that if it weren't for the clearly audible call center in the background I'd think it was a robot I was talking to. 

- I've sent certified mail and haven't gotten a response yet but I've seen online many others saying they did the same and just got ignored, and ran into the same issue with the same useless call center. 

Equifax 's support is nonexistent, their site is unesecure and broken, and they don't bother fixing issues or updating account issues when you try to contact them. And there's no way to get around this and try to fix it other ways! I'm at a loss for what to do at this point. 


Here 's a link to a MyFico forum of others having the same issue as me over a year ago : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reached out to all three credit bureaus on XX/XX/2022 and again on XX/XX/2022 to investigate errors on my credit report. These errors include the reporting of a XXXX XXXX XXXX They failed to respond as well as remove this inaccurate information as stated under 15 U.S.C. Sec.1681i ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reached out to all three credit bureaus on XX/XX/2022 and again on XX/XX/2022 to investigate errors on my credit report. These errors include the reporting of a XXXX XXXX XXXX. They failed to respond as well as remove this inaccurate information as stated under 15 U.S.C. Sec.1681i ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I deposited a check from my mother to my checking account. Her bank has released the funds, yet Wells Fargo is still holding on to it and not depositing the funds to my account so they can draw interest on it for a week. I find this highly suspicious and seems illegal to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: MD

Complaint narrative:
I applied for the line of credit for a washer & dryer that cost a total of XXXX total. Finance fees included it was suppose to XXXX. Now 11 months later I paid more then XXXX or more for the units and they saying I owed them XXXX for the units because I missed the pay off time for the XXXX and they charging XXXX now.

Company response to consumer: Closed with non-monetary relief