vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc.
State: WI

Complaint narrative:
I purchased a {$500.00} prepaid virtual XXXX gift card on XX/XX/year>, from mastercardgiftcard.com ( " operated by InComm Payments in relationship with XXXX '' ). One of the advertised features is : " Endless Acceptance : Our gift cards can be used anywhere in the United States where XXXX debit cards are accepted. '' I tried to use the gift card to make a quarterly estimated Federal income tax payment at both XXXX and XXXX. Both websites only allow debit cards with an expiration year of XXXX or XXXX, but the issued card has an expiration year of XXXX. 

I contacted both websites saying they need to add later years for their accepted cards. XXXX said there's nothing they can do and to use a different card. PayUSAtax.com never replied. 

I contacted mastercardgiftcard.com ( owned by InComm ) with a complaint and asked to be re-issued a new card with a different expiration date ( i.e. before XXXX ). They said there's nothing they can do because the card is fine, and to use it somewhere else -- this despite the fact that the card is advertised as being accepted anywhere XXXX is accepted as noted above. 

I contacted XXXX to complain that if XXXX cards can be issued with an expiration year of XXXX, they need to enforce that all merchants who accept XXXX comply with this and allow said cards to be used. They transferred the call to InComm customer service without notifying me that they were handing the issue off to them, who repeated that they could not re-issue the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: FL

Complaint narrative:
Please remove these accounts and update late payment accounts which are listed in letters and in FTC IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
In XX/XX/XXXX and again in XX/XX/XXXX, XXXX, my mortgage lender, failed to properly pay my homeowners insurance premium. Despite my mortgage being escrowed for insurance payments, XXXX either did not send the check to my insurance company or mailed it incorrectly, resulting in non-payment. This error has repeatedly placed my insurance coverage at risk. 

Both times, I was only informed of the non-payment by my insurance provider, who notified me that my policy would lapse in a few days. At no point did XXXX communicate any issues with the payment, leaving me unaware of the situation and scrambling to resolve it. 

When attempting to address this issue with XXXX, I found that they do not resolve these types of problems via email or chat, limiting communication to phone calls. However, their call center has unreasonably long wait timesoften exceeding an hourwhich has made it extremely difficult to address this time-sensitive matter. 

This negligence on the part of XXXX appears to be a deliberate attempt to either force me into purchasing insurance through them at a higher cost or to push me towards foreclosure due to lack of insurance coverage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I have XXXX Discover cards. The first had a credit limit of {$4500.00}. The second had {$4000.00} limit. On XX/XX/year>, Discover lowered the limits on both cards, causing my utilization to go up, which lowered my XXXX XXXX. I was at a loss as to why this happened. I called Discover and they had no explanation. I immediately froze both cards, but still paid on them monthly. IOn XXXX XXXX I received a letter from Discover saying they increased my limit to {$4000.00} which it originally was. The letter says this was due to correcting a system error. My wife has covid and I had been sick for XXXX weeks, which is why I haven't picked up my mail sooner. I called Discover yesterday ( XXXX XXXX ) and spoke with a representative in their XXXX XXXX XXXX. I inquired about the letter for my XXXX card, and he apologized about the system error. I asked about my XXXX card which still has a lowered credit limit of {$3000.00}. He advised it was lowered at the same time as card XXXX, but that it was permanent XXXX could not be restored as card XXXX. He said the only thing I could do would be to apply another card. I do not think this is just. My scores have fallen due to this and I believe my limits should be restored on both cards since both were lowered due to this system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
When I checked out my credit profile there was some inquiries listed that do not belong to me.

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 2024-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I purchased my vehicle 4 years ago from XXXX XXXX and was offered a loan from Santander XXXX. The associate who I signed the loan documents with did not explain everything thoroughly to me. I signed a loan with a XXXX percent interest rate and put XXXX dollars down payment for a roughly XXXX car. The associate who helped me did not properly explain my interest rate to me and my loan terms. He also told me the vehicle went through a multi point inspection and did not have any issues however I have been faced with XXXX since I have purchased the car. I asked him if he could thoroughly explain my loan contract with me as I was in a confused state due to my mental health. He replied that we did not need to go over the contract and they everything was pretty much self explanatory. After paying on my car for 2 years I noticed that my balance was not going down at all. I called my finance company and they let me know I would be paying on my interest first and then the car loan. I had no idea of this information or I would have never signed the lease if this had been explained to be correctly. Now here I am XXXX years later and XXXX in payments still owing over XXXX dollars on this loan. I have been taken advantage of by XXXX XXXX and Santander as a minority and also someone who struggles with emotional issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
XXXX XXXX date of closure XXXX, amount {$490.00} amount {$15.00} XXXX date XXXX closure XX/XX/2023 {$89.00} XXXX employees XXXX of maryland XXXX {$6400.00} XXXX XX/XX/2023 XXXX on, XXXX XXXX XXXX XXXX XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that from an alleged identity theft, not later than 4 business day after the date of receipt.

Under 15 U.S. Code 1681e ( b ) And 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my right.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy pursuant to 15 USC 1681 section 604 A section 2 : Its also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above.You are required to do what i am asking and block these transactions from being reported to my consumer report Within 4 DAYS from the date of the receipt of above notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have no affiliation with these unknown addresses and I have reached out to the credit bureaus on numerous occasions about the discrepency but no response. I would like all addresses to be removed from my credit report immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have no affiliation with these unknown addresses and I have reached out to the credit bureaus on numerous occasions about the discrepency but no response. I would like all addresses to be removed from my credit report immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Dave Operating, LLC
State: GA

Complaint narrative:
Account became overdrawn and before I could bring account current my account was closed. Tried to open it back and it said it couldnt verify my identity. They refused any further information and wont open my account back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-08-20 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
There was an incorrect digit on my state and federal direct deposit information for my tax return for 2023. Both the IRS and the NJ Department XXXX XXXX sent the refund to the wrong XXXX checking account. XXXX did not stop the deposit even though the name on the account did not match my name. The other XXXX customer took the money. XXXX knows who this person is, but will not recover the funds. The NJ XXXX XXXX XXXX will do nothing, claiming the error was XXXX 's. The IRS has stated they would put a trace on the transaction but its been XXXX days with nothing. XXXX failed to reject the direct deposit, allowed it to be stolen, and will not help me recover it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my XXXX XXXX and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: Payactiv, Inc.
State: DC

Complaint narrative:
On XXXX XXXX I, XXXX XXXX withdrew {$250.00} from my XXXX XXXX XXXXPayactiv account and transferred it to my Payactive card. Moreover, the {$250.00} was never deposited to my card. In other words I never received the funds. Furthermore, the {$250.00} was deducted from my paycheck on XX/XX/year>. Ive contacted representatives from Payactiv and I was told that the case has been escalated. This has been an entire week and it is unfair and unjust that I was not able to access my funds, but your company was able to deduct money that was never deposited to me. Ive contacted the company via Email, Chat & phone several times and the same response is given that the claim is being worked on. I have not yet received any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: NE

Complaint narrative:
for starters, I went to XXXX XXXX  XXXX and got a XXXX  XXXX XXXX from them. I was told no initially and somehow magically they called back a week later and said I qualified to find out was the loan was predatorial, and I didnt have a good enough credit, so that was one thing that concerned me. The second thing was concerning me was that when I did get the vehicle I went on a road trip couldnt go over 55 mph. I take it to the XXXX dealer they tell me the XXXX didnt have their software to take the governor off and that no cars should be sold with the governor on it without the buyer Knowing. I told XXXX this after I was informed I told him I did not want to car. They left the car with me and created of debt of little over {$12000.00}. How can I get this {$12000.00} debt off my credit report because of the contract in the way it was sold to me, I dont feel they did right by the consumer in a number of ways and now that Im aware and trying calling Im getting the run around

Company response to consumer: Closed with explanation