vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I have been waiting for a permanent loan modification due to my unemployment and housing situation. One Main Manager XXXX XXXX in XXXX, has been working on getting this modification for about 3 months. This took a long time to get an answer and XXXX promised me that no late mark would go onto my credit files since it was not my fault this modification was taking so long, He stated there have been a lot of modification requests from customers and One Main is backed up. He had been going back and forth trying to get it approved. XXXX did not instruct me to make a payment ( after the two deferred payments I made in XXXX and XXXX XXXX asking me to wait until after the approval of the loan modification. 
I expressed my concern with him about my credit rating via phone calls and emails ( see attached emails ). He stated on numerous times I would not receive late marks on my credit. I believed and trusted him! I have paid my loan on time every month and needed help at this time due to the pandemic. 
Unfortunately, my credit files have been erroneously marked as late which has already negatively affected my ability to get a place, etc. My credit rating has fallen many points. I have been denied due to One Main company putting on these late payment reports. 
Even though XXXX payment was made within the 10-day grace period through modification, this company has marked on my credit file that I was late and owe them a balance of {$1.00} This information is inaccurate as the account is paid current as of XX/XX/XXXX! I have disputed these late marks with all three credit bureaus and want these late marks removed from my credit bureaus ASAP! It was not my fault the modification took so long to be completed! 
This company reported late payments to my credit when they promised not to. I have never been late, and I do not want my credit ruined because of this company taking over 3 months to come to a decision on this loan modification! To reiterate, I was promised my credit would not suffer. 
I have enclosed emails, agency complaints, XXXX payment receipt and a copy of the loan modification for this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
Fed Loan Servicing has violated my right to operate in commerce as a consumer, which is a violation of federal law. I have identified and made Fed Loan Servicing aware that my students loans are a consumer transaction. My social security card/number was used in order for this transaction to proceed. My social security card/number belongs to the Social Secuirty Administration and anything purchased with my social is the obligation of the United States Corporation according to Truth in Lending 15 USC 1601. A credit card ( as defined under 15 USC 1601 ( I ) the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Therefore under this definition by law this transaction makes me the original creditor. The FDCPA 15 USC 1692 never uses the term borrower, because there is no such thing as a borrower. You can not borrow your own money, and if referred to as a borrower in any contract is a violation of 15 USC 1692. Fed Loan Serving is a third party lender/bank/debt collector, and can not loan money or extend credit let alone attempt to collect a debt. I have expressed these violation and asked for a sworn affidavit and I submitted a debt validation letter which was signed and dated by a Fed Loan Serving Agent which is breaking federal law. They did not provide me with any documentation or provided any of my requests on my debt validation. Instead again referenced me as a borrower and XXXX XXXX  as the authorized signature for the creditor. It is impossible for XXXX XXXX to be the original creditor and yet signed an official document stating otherwise. I have also requested the immediate cease and desist on reorienting to my consumer reports without my consent which is a violation of 15 USC 1681. Fed Loam Servicing has blatantly refused to acknowledge my consumer right in that regard and continue to report on my consumer/credit errors which is actively damaging my consumer reputation which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
Caliber Home Loans notified me that they were going to transfer me to their VA home loan refinance department after calling in about my home loan account on an unrelated matter. I have been getting several VA IRRL letter advertising I qualified for a lower rate. I made clear that I did not want my credit run and the loan officer XXXX XXXX XXXX XXXX ) lied to me and told me that since I was already a customer that credit did not need to be run and there would only be a " soft '' run which did not affect my credit in any way. He claimed he was unsure if they could meet the same offers and said he was going to send it up to his bosses. That is the last I heard, then a week later I received many letters in the mail from Caliber, including an Illinois Borrower Information Document form that included none of the information that claimed was required by law. I also received a form asking me and my wife to sign a formal application which I will not be signing. I reviewed two other letters including a form saying Caliber illegally pulled my credit from XXXX saying without authorization. Caliber claims that it was a soft pull and had no effect on the credit. I contacted the credit reporting agency and they said anytime a numerical score is generated that it affects your score and that Caliber homes is lying. They also tried to pull my wires credit without authorization. I asked to speak to a rude manager and he tried to gaslight and also lie and claimed that he did not understand and to his knowledge he does not think generating a score affects credit. The company is coaching its loan salesman to lie and are pulling credit without written consent and then claiming that they are " soft pulls '' even though customers are receiving a letter weeks later with an official credit pull as required by state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: NC

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Spring Equity LLC
State: OR

Complaint narrative:
On XX/XX/XXXX, my wife and I closed on a HELOC offered through Spring EQ. While there were a few service hiccups during the course of closing and booking the line, the substance of my complaint relate to my understanding of terms and conditions, as well as process, related to that booking, and an outcome with the servicer that now leaves me feeling deceived. 

Spring EQ required that I advance 75 % of the line in order to book it and establishing servicing. I was told that, in order to avoid unwanted interest, I would be able to pay off the amount advanced within several days of the line being booked. However, this proved impossible as Spring EQ was not able to take payment for a loan they had transferred servicing on, and I did not know who my new servicer was or receive a communication from them until XX/XX/XXXX, at which point I received a letter that had been date XX/XX/XXXX. 

Since setting up servicing with XXXX XXXX XXXX  ( XXXX  ), I have learned : -My line was sent to XXXX  in a frozen status and I will not be able to access it for 90 days. This was not disclosed to me verbally during the application, booking, or closing process. 
-I only learned my line had been booked in a frozen status AFTER it was reported ( inaccurately XXXX as closed to the CRAs. In calling to follow up on that TODAY XXXX XX/XX/XXXX XXXX, I learned the line was frozen. 
-I am not able to easily pay off the advanced balance as advertised as XXXX  has no mechanism for accepting payments over the phone or online greater than {$25000.00}. My available options are to pay a portion each day until the balance is brought to zero, or to send a wire ( would incur cost on my part ) or to send mail ( would add time to the amount that my line is open, thus resulting in additional interest ). This was not the straightforward and easily executed process I was told would be available to help avoid paying unwanted interest. 

All in all, I feel strongly that a failure to be transparent on the part of Spring EQ, as well as a failure to ensure they transfer servicing to a third party who can be relied on to deliver on their commitments, has left me paying more in interest than I in principal agreed to, with incorrectly reported information on my credit bureau, and that has required a substantial investment of follow up time on my part to get basic information about the status and servicing of my equity line.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 4 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

1. This account resulted due to identity theft. 
XXXX  XXXX Account Number : XXXX Please remove this account from my credit report immediately!

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 2021-07-15 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
RE : Experian, Boost Complaint Consumer : XXXX XXXX XXXX XX/XX/XXXX I have had a free account with Experian for more than a year in order to boost my credit score. My initial bank was XXXX Bank and the Experian, Boost product worked over a year to increase my score approximately 56 points. In the past few months I changed my banking to XXXX XXXX Credit Union. 

Although, I was able to enter my new credit union into their Boost app., Boost has never found any of my paid bills. This has caused my credit score to drop 51 points. 

I first contacted Experian via phone on XX/XX/XXXX at XXXX. I spoke with agent XXXX. She did not understand that I was unable to first get my account entered. I eventually requested a supervisor. She said there was no one to send me to and that I should email, XXXX, to communicate with a supervisor. 

I sent a email the same day, XX/XX/XXXX XXXX, explaining my complaint. I received a form letter for this question and every follow-up email they sent me in response. Their response was to tell me to send Experian my 3 months worth of bills. I attached them as pdfs in an email explaning of the bills. 

Since sending my bills in on XX/XX/XXXX, they have not responded in any form. There has been no change in my account being boosted and accurate. They did not manually add any of the bills I sent in so that my score would be accurate.

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 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: NC

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was scammed for {$2800.00} from my Bank of America account by a scam that is known to BOA. Their scam software did not prevent my loss of funds. All they will do for me is investigate. I reported it to the bank immediately. They will not return my funds.

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 monetary relief
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2021-07-15 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: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
XX/XX/2021 Contacted NetCredit XXXX at XXXX and was placed on hold for 20 minutes and disconnected. 
XX/XX/2021 sent an email at XXXX and received an No Reply response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: TX

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX  : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX  : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX XXXX XXXX : XX/XX/2021 XXXX  - AUTO FINANCE : XX/XX/2021 XXXX  : XX/XX/2021 XXXX XXXX : XX/XX/2021 XXXX XXXX DEALER SERVICES : XX/XX/2021 XXXX XXXXL : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Addition to previous complaint All Rushmore say they need 30 to 45 days to research a complaint also now being told that submission of a mortgage modification will not stall foreclosure when they have been saying all along it would. So now turning in a modification pkg while it takes them another 30-45 day to review that also they could still sell our house also will not provide a one on one loan processor customers cant talk to processors you just get whoever answers the phone.

I have no trust in this company I am afraid everyday what they might will or not do it is affecting my home immensely. 

My husband is a XXXX veteran I am fighting a medical issue which was reason for default in first place then covid hit I am scheduled for medically necessary XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am on unemployment and we have no where to go the least they can do is a trial modification period or a forebearance. 

They lack compassion, Customer care is horrible, they lie, threaten and bully you never get off of a call or receive something in the mail that gives you any hope. 

XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
GOLDMAN SACHS SAVING ACCOUNT. 
Ive open an account and funded them, 6months after, they just closed my account and didnt send me my funds XXXX XXXXor more!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This complaint is about the XXXX credit card. They use SYNCHRONY BANK. 

I filed a dispute on a charge of {$730.00} on XX/XX/2021. On XX/XX/2021 I received the attached letter stating that the credit for that amount was applied to my account. As of XX/XX/2021 I still have not received the credit. I have called more than 5 times and no one can tell me why I haven't received the credit. I've been lied to multiple times saying that it'll just be a few more days. It is obvious that they have no idea what's going on. They even admitted to me that I was not the only one experiencing this issue. I'm only filing this complaint as a last ditch effort. I was willing to wait if I needed to for the credit, but I'm tired of being lied to.

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 monetary relief
Consumer complaint received 2021-07-15 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: PR

Complaint narrative:
On the month of XX/XX/2021 i bought a computer for work, on the process of it, i wanted to verify an application for an open credit plan for another computer which was denied. 

I verified my consumer report on the consumer reporting agency Equifax on XX/XX/XXXX and noticed that an inquiry has been reported. 

I started a dispute the same day in which i detailed the violations done pursuant to my federal consumer rights, in which i stated : " ACCORDING TO 15 U/S/C 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( A ) IN GENERALSU BJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES/ME, A FEDERAL PROTECTED CONSUMER AND NATURAL PERSON, NE VER GAVE WRITTEN INSTRUCTION TO GRANT EQUIFAX PERMISSION TO REPORT THIS INFORMATION ON MY REPORT/ '' and today ( XX/XX/2021 ) i verified my consumer report for an update. 

In which they stated : " The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. "

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have been a customer of Chase 's Southwest 's Rapid Rewards Plus credit card for over 5 years. When I initially signed up, the benefits were great and owners of the card had the benfit of reaping rewards when booking through southwest and using the card while flying with them, it was worth the annual fee of {$69.00}. 

Over the years the rewards have been pared back, and it has become the card with the least amount of features in the product line. I have called Chase multiple times because I do not want to stay with a card that has an annual fee, and I requested a product change. 

Chase has told me that, even though they service the card, you can not leave a " partner product line '' which southwest counts as. I am trapped in the Southwest product line and there is no card option that has no annual fee. I feel cheated and that my only option is to close my account, which has my longest credit history, and will result to a massive hit to my credit score. This will impact my ability to buy a home, get a better credit card and if I keep the card over the next 10 years, and not spend a dime : I will owe {$690.00} in annual card fees, unable to leave. That isn't right and they say they " can't '' move to another product.

Company response to consumer: Closed with explanation