vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: AES/PHEAA
State: NE

Complaint narrative:
My ex-husband and I consolidated our federal student loans in the early XXXX, in a XXXX repayment plan! They have been held by AES for years. Since the consolidated loan shows him as the primary borrower, I am not allowed to access any forgiveness options on that site. 

Our divorce decree provides that we are both responsible for half of the loan. 
Although there is a law allowing ex-spouses to sever their consolidated student loans, the Department of Education told me that there is no form to do so. Also, since my balance shows as XXXX on the Department of Education website, there is nothing I can do there. 

I have worked in public service positions for more than XXXX  years. However, I was never eligible to discharge my portion of the debt because it was consolidated. The deadline for IDR programs allowing me to receive credit for these years and payments is going to pass without me being able to sever my loan first. This is incredibly inequitable. 

My complaint is that I want to be able to apply for a forgiveness of my portion of the loan based on my years of public service, which I should be able to do, but can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I don't recall having a contractual relationship with this collection company ARS ACCOUNT RESOLUTION. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My XXXX loan is managed by Navient even though it is a XXXX loan. At the time I borrowed it this was the only option. I have taught for nearly 30 years and paid for at least XXXX. I should get the XXXX but my type of loan is not included. My loan should be forgiven. My husband 's small loan is consolidated so I could not transfer my loan to the XXXX XXXX department. It is XXXX hoop after another that will mean I pay nearly {$300.00} a month into my late XXXX 's. My loan should be forgiven. We will pay the remaining balance of my husband 's loan. Please help me find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Since XX/XX/XXXX XXXX has been charging me a $ XXXX monthly charge. I disputed this charge with my Apple Card every month and finally on XX/XX/XXXX I received 5 out of the 10 charges refunded. I contacted experian and they said they have no record of my social security number being used to create an account. Apple Card said the only way they could help me resolve this is to close my whole credit account with them and pay off the debt. The only resolution XXXX XXXX Apple card gave me was to close my {$4500.00} credit limit account when I have {$2800.00} credit spent on it. That is severely damaging to my credit score. Instead of trying to come to a resolution with XXXX, XXXX XXXX Apple Card attacked the customer. XXXX denied all charges on my account, but Apple Card insisted they remain and I pay this monthly charge every month until I decide to close my credit account. I was pushed out of their card system unfairly because they refused to give me a solution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX bank Company keeps calling me on unknown numbers and then fake numbers that make me think its a scam and make me not want to give my personal information. 
I spoke to a very rude man named XXXX who told me he knew I was trying to get off the phone but he was not going to let me. 
Very hostile, patronizing, and threatening behavior from companys behalf. All for a mere {$57.00}. I lost my credit card and am in the process of figuring that out but XXXX would not let me win. I escalated to his manager and someone in the background was screaming saying maybe he was busy!. Such weird, scammish, and suspicious activities from this bank. I am going to pay off the rest of my bill and close this credit card but I want this complaint filed so there can be consequences for their actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I purchased XXXX XXXX and was offered a 2 year interest free loan through Comenity Bank/healthiplan. They accepted and processed my XXXX payment on XX/XX/2024 as it shows in my bank records. Comenity bank denies the payment was made and has charged me a late fee of {$40.00}. They will not accept the letter from my bank regarding the payment and insist on a photo copy of check as proof. No photo copies are made as they process paper check payments electronically. The check was mistakenly made payable to Healthiplan rather than comenity-healthiplan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!

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 2024-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I went to the bank and spoke to XXXX XXXX assitant vice president and assistant branch XXXX for the XXXX XXXX XXXX Bank of Hawaii. I explained I am the lineal land holder and have been communicating to XXXX XXXX bank. She spoke to legal and they requested the information which was emailed on XX/XX/2024 and then i was told to remove them from my email thread after they read my documents. The bank didnt state whether i had a valid claim or not. They just avoided me and tried to get me illegally arrested on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
For the last 6-8 months I have been in communication with Equifax and XXXX about various accounts that were/are reporting that stem from identity theft. I have sent in numerous id theft reports and police reports. I have asked Equifax countless times to block and remove the accounts due to identity theft. Equifax did not honor my request nor did they send me a written response within the 5 days from my request stating the reasoning they elected not to block and remove the accounts. Clear violation of FCRA 605B. When I call to verify receipt of my documents I am being told that they have not received my documents even though the XXXX tracking states that it was delivered or signed off on. Equifax and XXXX within the last 2 months have deleted a few accounts but replace them with accounts that were deleted that were named in the identity theft reports. Accounts that I have been told are deleted on XXXX or XXXX XXXX credit Bureau reporting website are being hid within my credit report under closed accounts. I recently applied for mortgage and was told sent a copy of my Equifax and XXXX credit report showing the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also asked company to remove the negative remarks that inpack my credit and fix accuracy. The accounts referenced above Equifax refuses to delete from my credit and XXXX. It seems that Equifax and XXXX doesn't follow the FCRA rules protecting consumers from identity theft. They do not send out communication. I have asked by letter two ( 2 ) times within the last 6 months for Equifax to present documents that show the verification process for these accounts. No correspondence from Equifax even after a 15 day demand. This complaint is the last step before I sue in Small Claims court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
This account was charged off on the following date XX/XX/2019. Since then, Experian & XXXX XXXX has repeatedly been updating this as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the account.

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 2024-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have several credit cards with XXXX Bank XXXX I have a XXXX card that I use for my business that had a {$XXXX0} limit. This card is vital to my business. I use this card religiously and pay it off completely as fast as possible. Despite this they reduced my credit lime from {$XXXX} to {$XXXX}. This considerably damages my businesses ability to repair houses and buy items for my tenants. 

They also have reduced my credit limit on all of their cards without warning damaging my credit score without cause.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On the day of XX/XX/year>, I submitted a complaint, ID number XXXX XXXX about XXXX account XXXX to the CFPB about inaccuracies on my Experian credit report and Experian has taken more then 30 days to respond back to me. The FCRA requires that credit reporting agencies must investigate disputes related to the accuracy of information on a credit report within 30 days of receiving a dispute. This is outlined in Section 611 of the FCRA, Procedures in case of disputed accuracy. On the CFPB site under my account it is still reporting the dispute as being open, so whatever was disputed must be deleted and if Experian says that they sent me a letter stating the dispute was closed tell them to prove it. I want proof that the dispute was closed within 30 days because I didnt receive any letter. If I disputed with the CFPB it must be closed with the CFPB. Also this account has been discharged by the IRS by filing a 1099c form so please remove it from my credit report. The copy of the form is uploaded with the attachments. Thank you.

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 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX Comenity Bank Request for Charge Off Removal To Whom This May Concern I hope this letter finds you well. I am writing to dispute a charge off on my credit report that is associated with a Victoria credit card. It has come to my attention that there is a charge off listed on my credit report, but I want to clarify that I have never had a Victoria credit card and any such charge is erroneous.

I kindly request that you investigate this matter thoroughly and remove the charge off from my credit report with XXXX, XXXX, and XXXX. I believe this is a case of mistaken identity or a reporting error, as I have never held a Victoria credit card or incurred any charges that would warrant a charge off.

I have enclosed copies of my identification documents, as well as any relevant information that may assist in resolving this matter. I would appreciate it if you could conduct a prompt investigation and provide me with a written confirmation of the removal of the charge off from all three credit bureaus.
I understand that you have a legal obligation to investigate my claim and correct any inaccuracies on my credit report. Failure to comply with this request may result in legal action being taken.

Thank you for your attention to this matter. I look forward to a swift resolution and the removal of the charge off from my credit report. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] should you require any further information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to file a formal complaint against Regional Acceptance Corp for multiple violations of consumer rights as set forth by Congress, specifically pertaining to my account number XXXX 

Firstly, Regional Acceptance Corp has failed to fulfill its obligations under 15 U.S.C. 6802 regarding disclosures of personal information. Despite the legal requirement, they have not provided me with the three disclosure forms as mandated by law. This omission constitutes a clear violation of my rights to privacy and information security.

Additionally, I would like to highlight the violations of 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) and 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). Regional Acceptance Corp has reported information to consumer reporting agencies, such as XXXX, XXXX, and XXXX, regarding transactions and experiences between myself and the company without ensuring the accuracy of the information. This inaccurate reporting negatively impacts my credit standing and violates my rights under federal law. 

Furthermore, Regional Acceptance Corps failure to provide me with a 1099-C for the cancelled debt of {$17000.00} is concerning. Regional Acceptance Corp can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! The Internal Revenue Service ( IRS ) mandates that debts greater than {$600.00} should be reported using a 1099-C form. Regional Acceptance Corps failure to comply with this requirement not only violates IRS regulations but also denies me the opportunity to address the cancelled debt properly for tax purposes.

Moreover, pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ), Regional Acceptance Corp is obligated to provide accurate information to consumer reporting agencies. Upon notifying them of specific inaccuracies in the information they reported, they have failed to rectify the situation, thereby continuing to furnish inaccurate information to consumer reporting agencies.

In light of these egregious violations, I demand that Regional Acceptance Corp immediately remove the aforementioned account from my consumer report. Their actions have not only infringed upon my rights as a consumer but have also caused undue financial and emotional distress. 



I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to hold Regional Acceptance Corp accountable for their actions. Thank you for your attention to this urgent matter.

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 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I received a call from Target asking if I was trying to make transactions XXXXXXXX XXXX XXXX and getting declined. I let her know at that time I live in XXXX Arizona and she said she was going to have to close my account and send me a new card. So as she was doing that I logged on to my Target account and and it wouldn't let ne get into my account. So I let the Target agent know. So said she would check into that also. She looked at my account and asked if if I had changed my information and ordered a new card and made a payment on my account of {$4600.00} XX/XX/year> I told her no. She said there was a payment made from a bank. She ask who I banked with and let her know XXXX XXXX  and XXXX and XXXX. She asked the last 4 digits of both my accounts and they did not match the payment. She she said my account was comprised and she was reporting everything and it would be forwarded to the fraud department. I informed the Target agent to clarify the actions that Target would be taking. She stated it would be reported I did not make that payment to my account, my login information was changed and no transactions were charged to the account .She said they were freezing my account online account until investigation has been done. I received a new card and tried to activate it and when I called they said Target closed my account for writing bad checks. And the next day I received that letter so called and informed them I was frauded and that was suppose to be fixed that I never made that payment. So the agent said she would put in a depute. XXXX XXXX XXXX I received a letter from the Dispute Resolution for Target Card Services stating I made the payment and changed my information and they declined my dispute. So on XXXX XXXX I call customer service and spoke to a agent in the fraud department and that said it wasn't put on the fraud dispute and it would be done. But when I called back they said it wasn't done again. And another department was investigating and I would be notified. I have had a Target Red Card and Target MasterCard for 9 years and never have written or given a bad payment. And I fell this was poor investigation and business act to accuse me of this act. I would like my account re and stated in good standing it was on all credit agency 's. And further more not following the credit card act.

Company response to consumer: Closed with explanation