vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I received a letter from Comenity Capital Bank, regarding me to finish processing my XXXX XXXX credit card application. I called the XXXX number on the letter, which connected me to a female representative with the Account Protection Team. At no time did the representative mention that the conversation was being recorded, which was unusual for a member of a loss/fraud department. I explained that I did not open a credit card application and wanted to know how, where and when the application was opened? I was told she wouldn't be able to until I provided her with so information. The representative asked for the number below the date on the letter, which I provided. Next, she asked that I verify my first and last name, along with my address which I did. Next she asked for my DOB and SS number. I asked why and she indicated that she needed it to verify my information. When I refused, she provided me with an XXXX number to an unspecified credit bureau and disconnected. Prior to receiving my letter, I received no credit alerts from any bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: General Motors Financial Company, Inc.
State: RI

Complaint narrative:
GM Financial has continued calling after rectifying the situation and settling the debt. Pleading with them to stop calling has not helped. Abusive, unprofessional, and liars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
For the last 2 months I have received emails about a prepaid card from XXXX with the last 4 digits Card ending in XXXX. I do not now nor have I ever had this card. 

I have gone to every link on the email to try to reach someone and all I get are recorded messages. I went to their contract us section and the give XXXX numbers for American Express ( XXXX ) and XXXX but both the phone numbers are recorded messages. I have listed to all the messages and not one of them ever allows me to talk to a person. One mentions XXXX XXXX bank then goes on to mention what sounds like " XXXX '' money and then a little later talks about XXXX. 

I have tried to get an address for them but have yet to get one. 

I need to get this account closed and out of my name as it is fraudulent and not mine. I did not apply for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: NC

Complaint narrative:
I have made several attempts to get Experian to properly update the way they are reporting account that were discharged in my Bankruptcy. XXXX and XXXX deleted alot of the accounts but Experian continues to reports these accounts as present and negative.

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 2022-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, consumer, in fact did not consent to, authorize nor benefit from any of the following inquiries. There was no consent nor did anyone give permissible purpose for the inquiries attached pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft from this fraudulent activity. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.

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 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
They closed my account without no specific reason which is clearly XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
Received a letter I owe XXXX XXXX XXXX XXXX Tele Check Services , inc {XXXX} The Collection company is TRS Recovery Services. 

I am XXXX and haver never owned a tractor and live in an apt . 

TRS Transaction # XXXX Reference Number # XXXX They keep asking for my personal information SS # & Bank Information

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 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and request

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 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Someone has my social security number and my email and tried to open a bank account in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I have a Nelnet student loan. I am XXXX years, in very poor health requiring XXXX of XXXX  XXXX hours a day. I am retired, but can not afford repayment. I have tried to file a XXXX discharge request. They require XXXX certification through social security, the military or XXXX XXXX . I do not qualify to file with SS or the military. My dr. and insurance company will not certify lack of ability to work ( XXXX ). Nelnet tells me this has been a problem always. 
Without being able to file in order to try to discharge my loan, I have trouble paying.. My medical bills are very high -- thousands of dollars a year. Nelnet wants to refigure the repayment based on regular expenses. I also have responsibility for some of my grandchildren 's care which they do not allow. I guess I should just let them go without books etc.. 
If I begin repayment, I will be repaying for the rest of my life. While I do not expect to live too much longer, I would love to work this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: NM

Complaint narrative:
On or about XX/XX/XXXX, I received my Statement for the debt card in the mail. When I opened the statement I was astonished to find that unauthorized charges had been drawn on my account. I immediately started a fraud claim with EPPICARD case no. XXXX. They told me I was to wait for the forms to fill them out. They gave me a dead line of XX/XX/XXXX, however they mailed it late but I faxed the filed out forms and contacted customer services. The purpose of the late mail was to insure I did not get the forms in time. There is a 10 day window. 

The charges started occurring on or about XX/XX/XXXX. I did not see any charges in the rest of the month of XX/XX/XXXX. The charges were made in XXXX by a company called XXXX in XXXX and a company in XXXX call XXXX : XXXX XXXX XXXX I have never had a relationship with these companies, I also did not use my card very often as I was saving the amount on the card for an emergency. I would only use sparingly, gas, food, in the XXXX area. 

I sent an itemized list of the charges and the fee 's which were collected by EPPICARD for the international transactions. the total amount I have lost is {$4900.00}. I have also provided affidavits which state I never lost control of the card nor did I authorize any charges. Furthermore I did not have any relationship with the companies who took the money. 

I contacted eppie card on XX/XX/XXXX and talked to their representative who told me the claim of fraud had been denied on XX/XX/XXXX, I had only faxed the forms over on the same day. How did an investigation get done so quickly. 

I recieved a letter on XX/XX/XXXX which stated they did an investigation and determined I had a relationship with the companies who did the fraud. XXXX card allowed successive charges on the same day XXXX over 6 times. XXXX allowed charges over the amount which was in the account and reversed the charge but did nothing to flag the card as it was under attack. 

I have also come to find out it is a habit of eppicard to deny fraud charges and I have viewed several lawsuit. I contacted XXXX XXXX on XX/XX/XXXX and was told the card number was still active, this was after EPPICARD had allegedly closed the account. XXXX XXXX gave me a reference number for the fraud claim. I was further told it was wellsfargo who was the issuing bank. When I called XXXX they denied having anything to do with EPPICARD. However on the back of the card it states. " this card is issued by XXXX XXXX, XXXX pursuant to license from XXXX XXXX XXXX. 

The terms of service state zero 0 Liability, EPPIECARD calls itself the " BANK '' when in fact the " BANK '' is XXXX. It is my belief, EPPIECARD is purposefully denying claims to accounts which have been compromised in order to profit from it. It is XXXX who insures the lost money, did EPPIECARD put forth a claim with XXXX? or XXXX XXXX? 

EPPICARD has breach the contract of their terms of service agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: VT

Complaint narrative:
The loan servicer failed to make the escrow disbursements for property taxes due to the town that we live in. The taxes are now XXXX months delinquent. On XX/XX/XXXX, I received a letter from the town that our taxes were delinquent and I called the lender, XXXX XXXX XXXX, who referred me to our loan servicer, Dovenmuehle. On XX/XX/XXXX, I sent Dovenmuehle a copy of our delinquent tax notification to XXXX and received email confirmation that it was received. As of XX/XX/XXXX, the tax bill has still not been paid, remains delinquent, and is continuing to incur late fees. 
I have repeatedly called both XXXX XXXX XXXX and Dovenmuehle requesting the payments be made and have received conflicting and confusing information with arbitrary future dates and time windows that certain departments give themselves to resolve the matter. So far, I have spend more than XXXX cumulative hours trying to resolve this issue. After my most recent call with Dovenmuehle, I was told that their tax department was very busy and does not take phone calls, but that a case was open and they would look into my issue by XX/XX/XXXX. This is unacceptable, as my taxes need to be paid. Further, the representatives at Dovenmuehle could not provide any explanation as to why my initial request on XX/XX/XXXX to pay the property tax was not fulfilled. It is unacceptable for my taxes to be late, period. But for the resolution to take this long is utterly inadequate and inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I notice collections on my credit reports from Port Folio Recovery. I have attempt to dispute these charges several times with all 3 credit bureau. They can not submit any documentation with my signature or my address to me I have requested. This is not my account. I did not benefit in no way from this account. This was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Fraudulent debit/credit card use for several online purchases. 
Dates beginning : XXXX XXXX - XXXX Navy Federal Credit Union customer service reversed charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX Bankruptcy / 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 non-monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: NJ

Complaint narrative:
Good Afternoon, I have submitted a payment for my mortgage payment due for XX/XX/2022 on XX/XX/2022 in the total amount of {XXXX}. 

Auto pay had been set up to draft the mortgage payment on the XXXX of every month for the total amount due. 

I tired to turn off auto pay on the online portal but it did not allow me to. I then proceeded to call Planet Home Lending to turn off the auto pay on their end. 

All 3 representatives informed me I could not turn off auto pay as I have missed the cut off date. 

When I signed up for auto pay I was never informed of a cut off date to turn off auto pay. I also have never experienced a company telling me I can not turn off auto pay because I missed a cut off date. 

I also asked the representative about the disclosures for the auto pay and he could not give me any information about them. 

As I was not aware of the cut off date I am unable to put a stop payment on it with my bank because they need 3 business days. Now my account will be over drafted because I was told I can not stop auto pay. 

From my understanding I have the right by federal law to revoke authorization for auto pay and for some reason this company does not allow me to until the payment on the first is drafted, despite the fact I have already submitted payment toward the amount due XX/XX/2022 in the amount of {XXXX}. 

Please advise how I can proceed from here. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-03-29 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit report has over fifty inquires and it wasn't me that made inquires. My identity was stolen a couple year back and now there are lots of false claims of me. Along with other information ill be disputing I noticed this stuff recently. I've found that this is all false and fraud and I want something done immediately as it has halted my life. Its not fair at all that I'm suffering financially by this error and credit bureaus want do anything to help me. i have submitted police report as proof, as by law if they don't have my personal hand signature I'm not liable. I want this investigated and removed 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 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Thomas Kerns McKnight, LLP
State: CO

Complaint narrative:
I first reached to Thomas Kerns McKnight around XX/XX/XXXX to enquire about their debt consolidation program. 
When I first spoke on the phone with them, they explained that after I make payment to them each month, they would pay my creditors and help me pay off my debts. This would result also in an increased credit score. My first payment was made on XX/XX/XXXX. 
In reality, after being 21 months with them, I ended up canceling the contract on XX/XX/XXXX. They had never paid my creditors, I ended up having XXXX of them take me to XXXX ( XXXX XXXX ). All the other accounts went to collection, or were closed by the creditor, and it was a charge-off. All the balances are now higher, my credit score dropped. I also had to pay a monthly {$49.00} administrative fee ( over 21 months, this amounted to {$1000.00} ) while no service was rendered. This has created a lot of stress and had a very negative emotional impact on me. I still dont know how I am going to resolve the situation with each creditor. I initially trusted them and believed they would help me, I was still current on all my accounts at the time. I only realized after I canceled the contract, that exactly similar complaints had been submitted to the XXXX XXXX XXXX  against that firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting a late payment on my credit report that is incorrect. They are reporting on a company that is not on my credit report, yet they are reporting information on it. Experian is reporting a late fee from a company called XXXX XXXX but I do not have a XXXX card on my credit file. 

Experian needs to comply with the Fair Credit Reporting Act that protects me from credit reporting agency Experian using information that they can not verify. The information is inaccurate and must be removed from my credit file.

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 2022-03-29 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: IL

Complaint narrative:
I have been disputing 2 accounts from XXXX XXXX in the amount of {$620.00} and another account with the amount of {$460.00} over and over again because they are reporting false information all over the place.There are inaccuracies all over the place and I have dispute it several times and the account always comes back as verified well this last time I disputed I record over 15 yes over 15 letters from the creditor stating they did NOT know what I was disputing but they got my request to dispute information on the accounts. But XXXX  and transunion and XXXX always updates results saying the accounts were verified and accurate?? Whos the lier here. That makes no sense XXXX  .transunion, XXXX  doesnt even investigate disputes! Im tired of getting the run around over and over the place i have even sent in documents. Uploaded them online showing proof that. Collections agency has my account I get debt letters sent to me. This is not fair name being the consumer and they report false information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief