vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-08 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: GA

Complaint narrative:
I disputed a bankruptcy that they say they verified, however they will not tell me how they verified it. The reason is because they never verified it with anyone, I have talked to all credit reporting agencies that share bankruptcy information and none of them have any information even the courthouse agreed they are lying. I am beyond tired of battling this with you and experian, I am attaching the letter I sent to them on XX/XX/2022 and they verified it the sameday lol. Please make them remove this immediately to avoid litigation with them as well as the cfpb. I do not see how these bureaus get away with so many violations. Well guess what it is {$1000.00} per violation so let 's see if you can get them to do their job. Thanks

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 2022-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: GA

Complaint narrative:
Good Afternoon! 


My name is XXXX XXXX. I am writing this email in an attempt to seek advice on how to respond to a court summons that was issued by Discover Bank filed in XXXX XXXX Ga. 

Years ago, I defaulted on my Discover Card with a balance between XXXX and XXXX of charges and interest. I fully acknowledged that the debt is mine and the charges were made by me. That being said, the card was charged off after I had a major change in income and lifestyle. I entered into a monthly payment arrangement with Discover at the amount of approximately XXXX dollars a month to keep this debt from being sent to a collector. In early XXXX the monthly payments stopped, and the account was sent to a collection 's agent ( law firm ) XXXX XXXX XXXX. 

I called Discover to see if the arrangement could proceed and was told there was " nothing they could do '' since they no longer owned the debt. 

XXXX and XXXX were called to see if we could settle the debt for less than owed, my contact was XXXX XXXX. They did not take my offer seriously ; at which time I asked if I could pay THEM the same amount of money per month as I had been paying Discover. The offer was declined. I explained that as a waiter in a restaurant, a monthly payment would need to be reasonable. 

I am fully willing to resume paying a fair and reasonable monthly amount to keep any further legal issues from arising. I am due to appear in court to answer this summons on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MI

Complaint narrative:
This is the third company to try and collect on a debt that was previously settled. This was handled and taken off of my credit close to 5 years ago. I get a call last week from a woman saying that I have another debt from XXXX during a time I did not have XXXX. I had XXXX. She informed me that she would look into it with XXXX  and get back to me. 2 days later it appears on my credit even though its already been proven to be false prior and removed. This is getting to the point of harassment. I advised them of this over the phone and she didnt seem to care, when I mentioned bringing this up to my lawyer she quickly got off the phone and continued without any validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have emailed Navient over XXXX times and havent received 1 single direct response. They have only issued a copied and pasted response to CFPB ( constantly referencing old things that have nothing to do with my complaint ) and XXXX that ignores 2 important points. There was an additional point but I know Navient will admit that they lied to a 3rd party for legal reasons. 

Now XXXX at XXXX is ignoring emails and when he did respond it is to give information to contact DOE FSA Ombudsman which they were already told had previously been done and because this is a private loan the FSA ombudsman cant and wont get involved. XXXX is also ok with them not directly answering the 3 points I have been trying to get directly addressed for months! Its not rocket science simply directly and specifically address my points I need the following directly answered : 2 ) Because Navient is the original creditor they can contact for due diligence HOWEVER per CFPB and FDCPA I can control HOW Navient contacts me and they refuse to acknowledge it and confirm that Email and my XXXX XXXX only are the only forms of communication to me allowed as anything else is inconvenient. The ignore it and repeatedly violate it with 3rd parties 3 ) Navient ignores any and all emails sent directly to them no matter what I ask. How am I supposed to communicate when they simply ignore all emails? I know they receive them as I occasionally get out of office replies. The only vague non direct response given is only when I file a complaint with the CFPB. I shouldnt have to repeatedly file complaints with CFPB to get an answer when they all have emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  Account # XXXX, account # XXXXXXXX XXXX XXXX XXXX  XXXX bank Account # XXXXXXXX XXXX Account # XXXX XXXX account # 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 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 2022-08-08 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  Account # XXXX, account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX bank Account # XXXXXXXX XXXX Account # XXXX XXXX account # 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 2022-08-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I have an auto loan ( as well as other products ) with USAA and have been a longtime customer. My auto loan includes a .5 % APR discount for having automatic payments set up. I recently needed to change checking accounts to a new bank, and when I tried to change the payment account for my auto loan with USAA on their website, I received a message that the functionality was not available. I then called their support line and was told that customers we not able to modify existing automatic payment settings or create new automatic payment plans. Which means I can not modify my existing automatic payments ( and continue to receive the rate discount I'm entitled to ), nor can I cancel my existing automatic payment plan and create a new one ( and maintain the discount ). My only option is to cancel my existing automatic payment plan and then make manual, monthly payments for the remainder of the loan term - and receiving an effective .5 % APR increase as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Mercedes Benz Financial Services
State: MD

Complaint narrative:
Hello, I reached out to my lender Mercedes-benz financial in XXXX of XXXX and explain how I had XXXX  and was XXXX  and explain to them that I was going through a financial hardship and they explained to me it was nothing they can do about it they have already gave me the amount of extensions that they could and I completely believe this is unfair so I would like to exercise my consumer rights section 1026.23 ( a ) 1026.23 ( b ) 1026.23 ( d ) right of rescission section 125 is good for three years. vehicle is already paid for by my Social Security number so technically Im paying for this vehicle twice which is against the law. They also broke the Consumer law with 15 US C1662B no down payment too much I paid one. They also broke the law with 15 US C1605 the termination of finance charges finance charges I have been misled by his company and taken advantage ofThis company has forced me to use my personal information for a vehicle that is my business vehicle which they shouldve just use my XXXX number only I need someone to look into this matter immediately I have dealt with this company for a long time and Im truly traumatized define out how they Took a vantage of my consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Hello, I am not sure you can even help me. But in 2019 I opened an account with Care Credit. I used it for a while and once I had it paid off during Covid I didn't use it. I thought I was doing the right thing and honestly didn't think about them closing it. Well, my credit limit was almost up to {$3000.00}. They closed my account the end of XXXX, with no warning, no notice nothing. I realize they have that right, and it was probably mentioned in 2019. I honestly didn't think about it. They literally closed my account less than a week before I needed it. My daughters cat got sick during the night and we had to go to an emergency vet. As you can imagine it was costly. I thought my account was good, and we were denied. Anyway since they closed my account it has severely hurt my credit score. You know how it works so I don't have to explain it to you. But taking {$3000.00} credit off, it has snowballed. I had XXXX balance, no late payments, NOTHING against me. But them closing my account has hurt something I worked hard for. I was penalized for something I wasn't in complete control of. IF they would have sent a reminder, I would have used my card and kept it open. I'm just so frustrated. I haven't reached out to Care Credit or Synchrony because I haven't been able to find a way to contact them. Please help if you can, or maybe help prevent it from happening to someone else. Credit scores aren't a joke and people work hard to get them. A company like this shouldn't be able to hurt people like this.

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 2022-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I made a payment online for my prosper card of XXXX it went through. I did not see it come out my account called the company they said account is restricted. The card is connected to my bank account to make the payment. This is the second time this have happened. The first time I was told it was a system error they said they was aware of this and they waived the late charge. This is happening everytime I make a payment online that it is restricted. This is happening alot with other customers also with this restriction when making a payment. The company is acting like I did something wrong like putting in a wrong number this is not true.

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 2022-08-08 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:
I have several issues with my student loans that I have requested help for multiple times and have not had any correction to my account. 

First I consolidated my FFEL loans as instructed in the PSLF waiver. My qualifying payments are all now matching but my leftover not eligible payments were not shifted over to my consolidation loans. My origional loans have 24 not eligible payments and my consolidation loans show 0. This is a HUGE problem because I expect these 24 payments to count when the IDR waiver is applied to my loans this Fall - Fall starts next month -and my loans will have over 120 payment. If those 24 payments do not go onto my consolidation loans I will end up with " hanging loans '' and I have friends who had this happen during the beginning of the PSLF waiver, they complained and just this week received letters that the issue can not be corrected! I DO NOT want to have some of my loans forgiven and be left with my consolidation loans for another 2 years because of an administrative error. I have contacted FedLoan, Federal Student Aid, several ombudsmen and CFPB about this issue that should be simple to fix but it is not fixed and I am running out of time since the IDR waiver is starting next month and Fedloan accounts will be transferred to XXXX soon. 
Second during one of the times when I received random information instead of having my issue corrected I was told that 6 months of my 24 not eligible payments is from a " unenployment forbearance '' but my income is certified for this period of time so that does not make any sense- it seems that those 6 months should have been automatically corrected.

Please help me, I am not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
XX/XX/2022. Fay Servicing failed to refinance our loan for a lower interest rate. Our credit is good. They ran our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CCF Intermediate Holdings LLC
State: NE

Complaint narrative:
Went online to obtain a payday loan or installment loan. People are representing themselves as Speedy Cash out of XXXX, GA. I called fraud people at Speedy Cash in XXXX, GA  and they don't offer any services in Nebraska  where I'm at and my name or SS # didn't appear on their accounting system. 

I've also contacted my bank of the money deposited as being fraud as well. I am working with them on phone as I type this letter. Amount of money was {$990.00} on XX/XX/22 to XXXX ( XXXX XXXX XXXX XXXX XXXX ). XXXX Imposters names and phone number posing as banking lenders for Speedy Cash in XXXX, GA ( both are VoiP phones ) XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On or about XX/XX/XXXX I initiated a transfer from Bank America to XXXX XXXX in the name of XXXX XXXX XXXX. XXXX XXXX XXXX is a company set up with partners to buy additional apartments in a XXXX building that will be rented out for income. It is incorporated in XXXX. I mostly send wire transfers for various reason from XXXX XXXX and have never run into a problem. Any way I did this on line with the help of a Bank America associate on the phone to guide me. =They charge an additional XXXX for same day transfers which was fine. days go buy and my partner is wondering where the money is. I call Bank America and ask and they say it is under review. I called them they never called me. I tell them to cancel the wire transfer and I go into my branch take out a cashiers check for the XXXX and hand walk it to XXXX where it needed to be. Again I tell them to make sure the transfer is cancelled and they tell me it reflects that. 
several days later they put a hold on my account for the amount of the transfer even though I physically removed the money days before and I am still showing a negative balance of XXXX. I cant pay my bills and I have gone into my branch to complain and called several departments only for the to tell me that its still under review I explain over and over to please cancel it and take the hold off of my account as I don't need the transfer that they failed to do. They will not do so till the review is over that i don't need. 
I ask them when will you stop the hold and they say they have no answer and there is no one to talk to. when I asked them why it didn't go through they said that maybe because the name XXXX is in the company name. ( Again the name printed on the building 50 years ago. I tell them there is no affiliation or business with XXXX XXXX and all they need to do is to go online and see that-its a XXXX  corporation. There are laterally a thousand companies in the US that may have that in there name. At he time of this complaint they still will not take the hold off of my account. They will not provide me with a time or a way to pay my bills.

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 2022-08-08 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: TX

Complaint narrative:
This consumer 's complaint is in regards to unlawful credit data sharing. Pursuant to Equifax 's Data sharing policy, the consumer has never provided Equifax with consent to share credit data and as a result demands the following accounts to be removed XXXX XXXX XXXX XXXX XX/XX/XXXX Open Balance {$900.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Reported balance {$35000.00} XXXX - XXXX  - XX/XX/XXXX Reported balance {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX are not in compliance with FCRA. They are reporting two debts on my TransUnion credit report that are incorrect. They are incorrectly reporting the " date of first delinquency ''. I have made multiple attempts to correct this problem with XXXX XXXX TransUnion. For both accounts the First date of delinquency is sometime in the year XXXX. They are telling me that XXXX & XXXX of XXXX is when they purchased the debt, and that's the date they are going to report. They said they haven't updated the report since XXXX of XXXX. This incorrect reporting has been affecting my career and ability to make consumer purchases. 
!

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