vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 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: DE

Complaint narrative:
According To The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 623 ( a ) ( 1 ) ( B )., There are several accounts listed on my credit report XXXX, XXXX, XXXX XXXX XXXX that read incomplete and I have a right to dispute incomplete or inaccurate information in your report according to Fair Credit Reporting Act 15 U.S.C. 1681 Section 623 ( a ) ( 1 ) ( B ). These Matters DO NOT Show On Any Other Credit Reporting Agencies

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 2022-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MA

Complaint narrative:
I put a refund request into EdFinancial on XX/XX/2022 for payments made during the XXXX payment moratorium, based on guidance from the Department of Educations website. During this time I have called EdFinancial multiple times to get a status update on the process and to confirm the amount that will be refunded. 

They have never been able to provide me with an amount that is being refunded even though they say that it is processing. About two weeks ago {$190.00} was added back into my account which I assumed signaled the start of the refund process. The amount was odd since I've never made a payment of {$190.00}, my typical payments were {$270.00}. The representatives I spoke to couldn't give me an answer of why the amount was off. 

When I asked if a check was noted as being process sine the amount was added back into my account, they told me they couldn't confirm that information. When I asked about how the refunds are being handled they still noted a 4-6 month time period even though the process has started. This amount is much longer than the 72 hour refund window other providers have been offering. 

In general there's been a lack of transparency which, from what I've read of other 's experiences, seems to be common with this loan provider and would like to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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.

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 2022-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
I called Citizen 's Bank on XX/XX/22 and spoke with XXXX. I asked for a payoff amount and was told {$7300.00}. I asked her about the {$6800.00} I saw on the statement and was told it was for the principal only. I paid the {$7300.00} that day. 

On XX/XX/22 I received a statement from Citizen 's showing I have a {$74.00} balance due XX/XX/22. On XX/XX/22 I called and spoke with XXXX about the {$74.00} balance. He said that the previous rep gave me the incorrect payoff amount it should have been {$7300.00} and that's why I got a bill for {$74.00}. I explained that I paid what I was told was due on XX/XX/22. I asked to escalate the matter and was told that I could be on hold for XXXX XXXX XXXX XXXX XXXX XXXX  to speak with a supervisor. He said that it's still my responsibility to pay the {$74.00}. I said I will call back. 

On XX/XX/22 I phoned Citizen 's again and spoke with XXXX. Explained the payoff and balance due. I stated that since the call was recorded is it possible to speak with a supervisor to help resolve this issue. I was placed on hold. XXXX got back online and said that his supervisor listened to the call and determine that {$7300.00} is the correct amount. He said the {$74.00} could be from late fees or something. I asked for the supervisor 's name and was told that he couldn't give out that information. I asked how can I be sure if I'm getting the correct information. I called in only to receive different amounts to pay, being placed on hold and unsure if the recorded call was really reviewed by a supervisor that can not be named. 

I'm receiving different payoff amounts after the fact, the bank can not verify what the {$74.00} is for and my credit report doesn't reflect that this account has been paid in full. Please help me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC
State: NV

Complaint narrative:
I am in no way trying to get out of paying a bill. However ; being harrassed and belittled by a company is not ok. Multiple calls to family every day. I am trying to be pro-active, but XXXX XXXX and XXXX will not provide information until a threat to report them gets the job done. 

Most recent- XXXX Received a text to call- I called company and informed the agent on a recorded line that i have been requesting the statement on my account. I am not willing to pay when i have no idea how much i even owe at this time. I finally received a letter. Not even 3 hours after I finally receive the letter i received another 2 calls. 
XXXX calls came in at XXXX and XXXX Voicemails : ALL SAVED ON MY PHONE XXXX XXXX XXXX left voicemail XXXX XXXX ) XXXX XXXX XXXX left voicemail ( XXXX XXXX XXXX XXXX left voicemail ( XXXX ) XXXX XXXX XXXX voicemail ( XXXX ) XXXX XXXX left voicemail XXXX XXXX ) XXXX XXXX left voicemail ( XXXX ) XXXX XXXX left voicemail ( XXXX ) XXXX XXXX XXXX left voicemail ( XXXX ) How do they expect us to stop everything. I received the letter after many attempts on XX/XX/2022 at XXXX. Received 2 more calls after advising send me the letter so i can make a payment. 

XXXX When does calling become harassment? 5 voicemails on Monday. I spoke to you today and yet another 3 calls since have come in? 
XXXX XXXX We aren't harassing you. Calling is part of our job. 

I have several email requests asking for my statement so that i can make a payment. Their site does not allow us to view what we are paying, what is owed or anything else. 

I have all the emails saved and phone voicemails saved. This is all just from the XXXX of XXXX. I believe that only one voicemail a day was allowed to be left.

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 2022-10-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-10-06 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 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 2022-10-06 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: GA

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. 

XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX, ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX 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 an 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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover has been calling me nonstop for days after telling them to stop. I explained I had a medical issue and had trouble making ONE payment that they are harassing me over. Dozens of calls and voicemails

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Someone tried to open a Kohl 's credit card in my name on XX/XX/22 and XX/XX/22. They were caught by the credit bureau and nothing was charged, hopefully, but I'm still getting messages from XXXX about it. I contacted the company. on XX/XX/22. I called Kohl 's XXXX XXXX. They gave the investigation a fraud case # XXXX. I filed a report with the Police and the FTC, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have a bankruptcy on my credit file since XX/XX/2013. I have been unable to verify this information with the courts and have repeatedly asked the credit bureaus for documentation supporting this bankruptcy. I am disputing the type of bankruptcy and the filing date. I have been denied credit, housing, employment because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CADENCE BANK
State: MS

Complaint narrative:
So on XX/XX/XXXX I was charged an additional XXXX dollar for an overdraft fee. 
There was an overdraft fee on XX/XX/XXXX were the bank is saying since they charged me the XXXX dollars for overdraft fee they covered the balance. So they decided to charge me an additional fee on the XXXX of XXXX were my balance was XXXX dollars. They went an explained that since they covered the balance for their own overdraft fee. So they are saying of you maintain a negative balance they will continue to charge you XXXX dollars of overdraft fees until you put extra funds in the bank. Seems unethical for them to do it and keep approving this charges if later they will come back to charge additional fees. This is a new tactic from the new bank that took over bancorpsouth. Now owned by cadence bank. The issue is being faced by many people with this bank but they will not refund. Spoke to XXXX who was thinking the same as me that it should get refunded but supervisor XXXX denied it to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: NJ

Complaint narrative:
I am natural born us citizen, I am human being the deserved the privacy to my rights. 


Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

# XXXX XXXX XXXX XXXX XXXX InquiresXXXX XXXX XXXXXXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: NJ

Complaint narrative:
Hello, My name is XXXX XXXX. I noticed Thursday XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas in my life. See, I lost my girlfriend a few years ago and she was XXXX months pregnant with our baby XXXX. A driver under the influence rammed into my girlfriends vehicle. Neither XXXX of them made it and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reached out to the companies and they have done nothing at all to help me! I reported the theft of my identity to the federal trade commission and enclosed is a copy of my 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
Consumer complaint received 2022-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
My issue is my loan servicer Litton Loan Servicing LP, fraudulently serviced my account for years, from the XXXX 's up through XXXX when they were bought out by Ocwen Mortgage. This transaction took place in XX/XX/XXXX, I then noticed in XXXX of XXXX, 4 months later, that the amount of {$72000.00} had been added to my account as a " DEFERRED ACCOUNT BALANCE '', along with an inflated regular balance. As of right now, along with the deferred balance of {$72000.00}, my regular balance is at {$82000.00}, for a total of {$150000.00}. That's after paying on a {$110000.00} balance for XXXX  YEARS XXXX  months!!! So I have no been passed from Litton Loan servicing where the problem began, to Ocwen, to PHH Mortgage/NewRez who I have been making my payment s to now. Without a doubt, this property should be very close to being paid for by now!!! NOT A BALANCE OF {$150000.00}!!! Have even hired a couple of attorneys to look into this and all they did was take my money and did nothing. Been working on this issue with no help for over 10 years now. This is one of the places XXXX at the Attorney XXXX office told me to contact. Any help you could give me in resolving this matter would be deeply appreciated!! Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
In 2018 my Discover card was closed due to no fault of my own. I attempted to add my discover card to a debt consolidation plan and was denied entry into the program because they didnt agree with the reduced interest rate terms. Shortly after that my card was closed and I never received a letter from them stating why. 

During that time, I never missed a payment and ended up paying the card in full. And now when I apply, Im getting told that my card was revoked and to keep trying and that there is nothing they can do. 

I pulled all my credit reports and none of them are saying that my card was revoked. 

It isnt fair, but it seems like I will constantly be denied even XXXX XXXX years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: 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 604 a section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.

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 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC system is reporting a debt on my credit report after I explained to them its not my debt. They told me if I paid it they would delete it. I paid them and it is still reporting on my credit report after paying it after they agreed to delete it after paying.

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 2022-10-06 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: GA

Complaint narrative:
Experian, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transaction is not information related to any transaction by me the consumer. DELETE OR BLOCK THE FOLLOWING ACCOUNT ( XXXX XXXX XXXX XXXX  ). You are required to do what I am requesting and block this transaction from being reported on my consumer report within 4 days from the date of receipt of this notice.

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 2022-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
My family of 4 got XXXX Testing done by XXXX XXXX XXXX on XX/XX/XXXX. When I registered each of my family members, I put the insurance member for each person on the registration information. This was verified at the appointment. Unfortunately, the facility NEVER ran my insurance information. I called and asked about it after receiving an invoice and was told that they haven't had to chance to file a claim with the insurance company and will soon. After the 2nd invoice, I called them and my insurance provider who verified that no claims for XXXX testing has been on my insurance. After it was sent to collections, the collection company told me to call my insurance and put a claim for the testing. I did call my insurance company and was told that the provider needed to put a claim and not myself. I told the Collection Company ( XXXX XXXX XXXX ) that they needed to reach out to my insurance company and they also did not. Now I have FIVE ( 5 ) not four charges for {$170.00} on my credit report. I called and left messages with XXXX XXXX XXXX multiple times for the billing department and no one called me back. Yesterday ( XX/XX/XXXX ) I was informed that my insurance claim was denied for lack of service. I provided proof ( Attached ) that a month prior to the service and eight ( 8 ) months after the service EVERYONE else was putting claims and getting paid on my insurance proving that they NEVER filed a claim against my insurance as they stated. I informed the Collections Company AND XXXX XXXX XXXX that due to the Federal provisions, as long as you had insurance during the pandemic they would pay for the XXXX test ( attached with newspaper article confirming that testing is 100 % free with insurance ). I would like ALL FIVE ( 5 ) collection items to be removed from my credit report without ANY prejudice and damages to my report or myself immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation