vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I attended the XXXX XXXX and had a loan with Sallie Mae now handled by Navient. I was taken advantage of by the institute and have an outrageous loan. 

Ive attempted to contact Navient about the extremely high interest rate within the last 2 weeks of this complaint. I requested a copy of the initial loan agreement and I believe I am being overcharged and charged an incorrect interest rate. The variable rate per my contract is based on the wsj prime index and currently it is nowhere near the crazy interest rate Ive been charged. This may have been going on for years and I havent been able to pay it down. 

Also on the contract it only shows {$5000.00} was dispersed to the school of the {$30000.00} loan so Im wondering if the school even took the money I never finished the program so this also prevents me from releasing my co-signer now over 10 years later. 

Also as a person who was defrauded by the shut down school The XXXX XXXX loans were forgiven in the most recent lawsuit however mine was not. I believe this should be re-evaluated as Ive only been paying interest so I wouldnt default and ruin my credit. 

Please help me, this loan is predatory and has plagued me my entire life - something isnt right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
In Accordance with the fair credit reporting acXXXX XXXX  account number 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 2022-10-25 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: Harris & Harris, Ltd.
State: OH

Complaint narrative:
In Accordance with the fair credit reporting act XXXXt account number 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 2022-10-25 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: The Law Offices of Mitchell D. Bluhm & Associates
State: OH

Complaint narrative:
In Accordance with the fair credit reporting act XXXXt account number 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 non-monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have had a high-yield savings account with Marcus by Goldman Sachs for nearly 9 months. The bank has an offer that allows customers to earn a higher yield on its savings for a period of 3 months for each referral of a new customer. The offer allows customers to refer up to 5 new customers per calendar year. The rate bump started out at an additional 0.50 % APY, but in XXXX the bank increased the offer to an additional 1.00 % APY. When the offer was 0.50 % APY, I referred 3 new customers to the bank using my unique referral link assigned by the bank, which I emailed to the new prospective customers to open their accounts. When they opened their accounts using the unique referral link, almost immediately I received an automated email from the bank thanking me for the referral and my account reflected same. However, when the offer was increased to the additional 1.00 % APY, I referred two more new customers to the bank the same way by emailing to them my unique referral link ( reaching my maximum of 5 referrals for the calendar year ), but this time I did not receive the automated emails nor were the referrals reflected on my account. The customers I referred opened up their accounts on XX/XX/XXXX and XX/XX/XXXX, respectively. I get the impression that this has become a common problem. I don't know if this is intentional by the bank to get new account holders without honoring the offer or if it is a technical glitch on the banks end. There is just one customer service line to call to try to resolve any issues with the bank ( XXXX ). The representatives are not well trained and the supervisors are not helpful. They assign case numbers but never call you back. On one call, I spoke to a supervisor and conferenced in both of the customers I had referred to verify that they used my unique referral link to open their accounts. That supervisor put us all on hold to speak with her supervisor only to come back on the phone explaining that the information on their system was different from what we were all telling her, essentially suggesting that we were lying to her. I have now called the customer service number on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have yet to have my issue resolved. I feel I'm being treated unfairly and the bank is not dealing honostly with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Last XX/XX/2021 I became very sick with XXXX followed by each son. In the mean time I was changing Home owners insurance and had received a refund check that I was attempting to send in to be applied to my account. During this time I had written down the address where to send that check and accidentally sent my mortgage payment there also where it sat and sat. I called multiple times and the person that I spoke with told me that it was finally sent to the correct department and that it would be notated on my account and would not be marked late and also stated it wouldnt be sent updated on my credit report because you dont report there. I had also requested Cares act help to get all of the confusion situated and was told no because i was in XXXX XXXXXXXX which was 100 % incorrect and a flat out lie. I am seeing they just have zero compassion, enjoy watching the struggle, enjoy being very rude to their customers. It's actually pretty sad. They enjoy that power trip. Every time i spoke with them they stated they were putting notes in the system and it wouldn't be marked late. 


I am currently trying to get a line of credit to pay of my XXXX XXXX now that I am in a better place so I can move on with things and help my oldest with college tuitions but I need a 12 month on time payment history and my statements are showing late payments even though the CSR I spoke to today did say that there were vague notes in the system its not his fault it was sent to the wrong address. I also at one point had called in my payment and it was never processed although it also showed in the notes when I had originally called to make payment he never finished the transaction and foolishly I didnt ask for a confirmation number. 

You would think i was asking for them to take XXXX of dollars off of my loan. I am asking for some errors in late payments be fixed so this will not affect me negatively while I am working to get myself back on track. 

It is a shame what big cooperation 's have become with with their rude minions on the other end of the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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:
I have reached out to all the companies and they have no record of me applying for any credit. I have filed reports and complaints however Equifax refuses to do anything about this. 

15 U.S.C 1681 Section A. States that I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/2022 mXXXX XXXX XXXX XXXX  credit card was charged off. In XXXX I was sent a text message about my account stating that if I made a {$65.00} dollar payment it would keep the account from being charged off. I made that payment XX/XX/2022 and the card was charged off the next month { XXXX } after saying when I made the payment the account would not be charged off. My account should have never been charged off as an account has to go 180 days with no payment before charge off and that was not the case. This is a violation of my FCRA rights and this account needs deleted from my credit file 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 non-monetary relief
Consumer complaint received 2022-10-25 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: PA

Complaint narrative:
XX/XX/2022 my XXXX XXXXXXXX XXXX credit card was charged off. In XXXX I was sent a text message about my account stating that if I made a {$65.00} dollar payment it would keep the account from being charged off. I made that payment XX/XX/2022 and the card was charged off the next month { XXXX } after saying when I made the payment the account would not be charged off. My account should have never been charged off as an account has to go 180 days with no payment before charge off and that was not the case. This is a violation of my FCRA rights and this account needs deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/2022 my XXXX XXXXXXXX XXXX credit card was charged off. In XXXX I was sent a text message about my account stating that if I made a {$65.00} dollar payment it would keep the account from being charged off. I made that payment XX/XX/2022 and the card was charged off the next month { XXXX } after saying when I made the payment the account would not be charged off. My account should have never been charged off as an account has to go 180 days with no payment before charge off and that was not the case. This is a violation of my FCRA rights and this account needs deleted from my credit file 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 2022-10-25 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I am Having an issue with Vystar credit union, I had went into the bank and had my account setup to send money to my savings with an external automatic transfer every month so that my savings account would pay my credit card bill automatically and in the process my account which has always paid my balance in full was hit with my card having a XXXX dollar balance which for having every payment on time for the last few years of the account had dropped my credit score from a XXXX to a XXXX after putting a late payment on my record. This is my first late payment and the problem was with the automatic billing but I do take responsibility for the problem as I didn't check in on the account until it was too late. I was looking for forgiveness on 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 2022-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. They did not provide me with the original contract like I asked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
This company whom I dispute the validity of the entire debt. Has sent me a letter and I dont know who it is or how they got my information. The letter they sent did not give me the option to dispute or validate the debt. I was not informed nor have I claimed any alleged debt. This company needs to provide a contract that I signed stating I owe them the debt. I have no such knowledge of any agreement neither do I know this company or how to contact them to dispute. I was not aware of no such process until I researched my rights. All of the laws that the CFPB have were violated against me by this company. I have been embarrassed and denied any type of credit and I have never even used my credit in the XXXX XXXX I have been alive. I had no idea that I owed anything because the hospital never sent me a bill so I had no knowledge of any debt. I just found out that this was on my credit how can they do this without any prior contact or any contract saying I owe them I dont even know this company. Their first time reaching out to me was a bill that is very deceptive without all the qualified information on it for me to validate. So I dispute the entire validity because I have no knowledge of what the charges are for or who the company is that is alleging this debt. I have no prior knowledge of this debt until they sent a bill for XXXX XXXX XXXX when its almost XXXX XXXX worth of debt from this unknown company as XXXX I did not get a chance to ask for any financial assistance program being that I was homeless and uninsured from XXXX until XXXX. No kind of financial assistance was provided or mentioned being that I over qualified. And they have been filling stuff on my credit report that XXXX has already paid for and that the statue of limitations has passed on I have been really offended and I am XXXX and cant financially make better moves because of this alleged debt that I have never eeen papers or information of what the services was. Being that these are all XXXX  health and one is a XXXX  attempt. This is personal information that I didnt want a third party getting access to. This is really embarrassing and wrong on every level. This hospital has not done XXXX worth of work because they sent me to crisis centers and did not have the correct expertise to even deal with a XXXX XXXX  person. This is a lot to handle and I just want the information I signed on this debt so I can verify my signature and the services fees and charges. I do not know any information on this debt that has stopped my life from moving toward in a devastating way please help me I have no voice.I have tried to handle this situation with both companies but got nowhere. Please give me a voice CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: OneMain Finance Corporation
State: AL

Complaint narrative:
ACCOUNT NUMBER : XXXX I submitted a dispute to XXXX regarding OneMain Financial. The account is reporting Paid but also shows a charge off amount. OneMain sued me in court and received a judgment for the amount in XX/XX/XXXX for {$4300.00} plus other fees. They won that judgment and my income was garnished until the entire balance of XXXX, XXXX plus court costs. After all monies were pain, in XX/XX/XXXX OneMain sent me a letter stating that my account had been paid in full and stamped each individual page as paid on the contract. 
They never listed any other amounts owed. 
But, they are reporting to XXXX that my account is paid, but {$4300.00} was charged amount. This is the amount that was garnished. I have contacted OneMain and XXXX and asked them to correct their error but, as you can see by one of the attachment, XXXX is stating that they have contacted OneMain and the information listed on my credit report is correct. IT IS NOT CORRECT!!!! 
I take offense to the fact that these credit reporting agencies are not investigating the information that they are listing on credit reports without investigation. They are blindly taking the words of these companies. 

I WANT THIS CORRECTED IMMEDIATELY!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
In XX/XX/2022, my mortgage was sold to Fay Servicing. My First statement should an escrow balance nearly twice what accurate. I brought this error to their attention and they said they would do an analysis. The analysis revealed a mistake at the previous mortgage servicer for a lender placed insurance policy. I showed the documentation from the previous lender that the policy had been cancelled weeks before transferring to Fay. Fay agreed that they were due the difference of approximately {$7000.00} from the previous lender. 

Instead of fixing the problem, they increased my mortgage by almost {$650.00} to cover teh shortfall for a number of months. I continued to pay what they asked because Fay promised " it would all work out in the end ''. In XXXX, Fay bumped my payment up another {$600.00} plus per month to cover the escrow shortfall. My XXXX XXXX XXXX  is about {$1400.00}, my taxes and insurance is less that {$800.00} ( $ XXXX per year ). Fay has me paying in excess of {$3200.00} per month or almost 3x what my escrow should be. I have sent emails, left messages and when I have been able to speak to someone, it is a low level person that doesn't have the power to rectify the situation. I have the mortgage current through the end of XXXX when i finally said enough is enough. Fay sent me a foreclosure letter if I don't bring things current at the $ XXXX payment by XX/XX/2022. There must be a law against this kind of practice. At the very least this is wire fraud. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
Divorced. Court order ex wife to be responsible for payments on this mortgage account. How can I be held responsible for something I have no equity claim to, no obligation to make timely payments. The property is not mine and the balance on the mortgage should Not be included in a debt to income ratio to determine a Credit score or the ability for me to obtain a new loan on another property. I am not responsible for this loan- as ordered by the State of New Mexico. I do not have any right to the title, equity or any proceeds that there may be to ex-wife. XXXX XXXX XXXX. SS : XXXX. Remove this from my creditor report NOW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 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. 

The company is Affirm Inc and this was done multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,

Company response to consumer: Closed with explanation