vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 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: OR

Complaint narrative:
I was affected by the XXXX pandemic, starting a new job, and my husband was laid off. I missed two payments on my discover account. I contacted them on a recorded line and explained my situation, and told them I wanted to make things right with them. I owed a lot. The gentleman I talked to set me up on a payment plan but told me with the payment plan, I still would get a late payment ding on my credit. I told him I really didn't want another ding on my credit report and asked him what I needed to do to assure I was current and not past due. He told me the amounts I needed to pay and by what date I needed to pay them. I paid every last dime I had to make my account current ; I contacted discover again and talked with another agent, and they assured me again I was current and wouldn't get another ding on my credit report. BUT they didn't take me off the payment plan. So it still dinged my credit report again as late. I then contacted them and asked if they would please listen to the recorded call as I did everything the representative said to do to make things right. They told me they would do an investigation and get back in touch with me.. Which they never did. I have reached out multiple times. They also FROZE my account after they marked it as late. Then said they would do quarterly, I believe? Checks to see if my account could be un-froze. I just recently am in the process of buying a new home and paid close to {$4500.00} towards this card to get my credit even better. Last week I chatted with my mortgage lender, and everything was looking good. Then Friday, I got a notification from XXXX that they had closed my discover account. I let this go for the past couple of years with my account closed because I really wasn't planning on using the card. I was just all about trying to fix my credit since it got so destroyed after this whole pandemic thing, and now discover is completely ignoring my requests to check the phone recordings to confirm that I did indeed do as they told me to do. I have been a customer with them since 2015. Since the pandemic I haven't missed ONE payment. I have paid every month on time. I had a {$9500.00} credit limit with them. This has made a huge impact on my credit, and I am very unhappy with my experience with them. By doing what they said to do, I am now paying the price with dings on my credit even worse than if I wouldn't have cut myself short and just did the payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: WA

Complaint narrative:
Last purchase I made with card that was authorized was XX/XX/2021. This was for an expansion game that was not released. 

My account was terminated so therefore could not make anymore purchases. Purchases after this was made using my card, however was under impression they were automatic charges. I reached out to company that charges were made to and they would not provide refund. I contacted Discover Credit Card and made a dispute. The dispute came back to someone else 's name on the charges. Opened up fraud claim due to this since I did not authorize these charges nor person who made charges. Discover said because I made a purchase with merchant in the past, that I am liable for all future charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address, Please update my name, My only social security number, My only and correct date of birth, and My only employer. 
I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,

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 2022-10-25 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: NY

Complaint narrative:
I stayed at the XXXX XXXX in XXXX, XXXX. I paid {$330.00} through XXXX on XX/XX/2022 for the evening of XX/XX/2022. When I arrived, the hotel insisted I never paid even though I had my CC statement and the receipt from XXXX to show them. Then they tried to charge me more than double the room price ( {$650.00} ) and Discover declined it due to an exceeding of my credit limit. After this, they processed the {$300.00} incidental hold ( which over the phone they told me twice that they do not charge to any guests ). 

The room was atrocious, shower floor was falling apart under my feet, bugs were flying around the room, hair and dirt all over the room and bathroom, room phone was broken, 1/4 roll of toilet paper was provided. I went to dinner and came back to discover these details. The front desk would not answer the phone when I used my cell ( since the room phone was broken ), no one was at the desk when I went down. They abandoned the desk until XXXX, I was forced to stay because I could not get my card off file since no one was there to assist me in the middle of the night. I have contacted them directly and asked for a refund through the messaging feature on XXXX app, they said a manager would reach me but no one has. I asked XXXX for help, they said they cant. So I contacted Discover, my CC company. They said because I stayed the night they cant dispute the charge. However, I tried to leave but there wasnt anyone available at the front desk to assist me. This is insanity and I need my money back. Please help me. I went to XXXX for a hospital visit because I have a health problem. This was a 3 hour drive plus a 3 hour train ride then a walk to the hotel just to result in such a disgusting situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: IL

Complaint narrative:
Hello! 

The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that XXXX is reporting inaccurates informations on my credit report. This is violations 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 

The reporting of the late payments are also not accurate!!! 
these should not have been reported in the first place!!!! THIS IS ILLEGAL This is an inaccurate direct violation 15 USC 1666b, Remove late payments Asap By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. It is my understanding that you will get the creditors to abide by my demands per Us law or be prepared to face some legal consequences! 


I tried to talk to the creditors and they turned me down. They hung up on me. 
They did not help my situation!! 

Now im demanding that these things be removed or prepare for {$1000.00} fines to be dished out! 

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 2022-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
I contacted MOHELA on XX/XX/XXXX to request a refund of several payments I had made during the pandemic pause. Some of the payments were made through XXXX XXXX because the loans had been transferred to MOHELA in XX/XX/XXXX. MOHELA stated they will submit the request to refund these payments. I received a refund on XX/XX/XXXX for the payments I had made to MOHELA but not the payments I had made to XXXX XXXX. I contacted MOHELA again on XX/XX/XXXX. I waited on hold for over 3 hours and was then disconnected before I could speak with a representative. I then sent MOHELA a message via the website on XX/XX/XXXX and as of XX/XX/XXXX still have not received a response. I called MOHELA again on XX/XX/XXXX. The representative let me know that MOHELA had contacted XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX but had not heard back so I need to keep waiting. I called MOHELA yet again on XX/XX/XXXX as it had been over 8 weeks since my refund request and spoke with a representative that could not answer my basic questions. 
She told me it could be up to 60 business days now or potentially longer for the payments to be refunded. When I asked her to send another request to XXXX XXXX she told me she would but then hung up on me and did not attempt to call me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-10-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: NY

Complaint narrative:
Someone got a loan and a house in my name in another state. Huntington XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my right. Under 15 USC 168 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have received a later to collect a debt that I know nothing about. Called the debt collector and they said it was a credit card through The XXXX XXXX  on XX/XX/2020. I have no idea what they are talking about nor have I ever seen any kinda bill for this. I have no cards like this and never have. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: IN

Complaint narrative:
Please see attached filing. The lender violated the provisions within the CARES Act with regards to forbearance. I was provided no documentation when the forbearance period ended and the lender requested the entire amount due in a lump sum payment. They subsequently proceeded with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
I am disputing the fact that Consumer Portfolio Services still says that I owe a balance at the end of my loan. I attempted to send a certified letter to CPS on XX/XX/2022 as instructed on their website and the form that is provided for official disputes. This letter was returned by the post office on XX/XX/2022 with a stamp saying that the address that was listed on the letter and envelope was an insufficient address. I have provided a scanned copy of the letter when it was returned to me today. As you can see by the letter that was included, I used the address as instructed on the form. I also listed the contract for my vehicle. If you look on the second page, Section 1 C : Finance Charges and payments ... .. How late payments or early payments change what you may pay .....

. " we based the finance charge, Total of payments, and Total Sale Price shown on the front on the assumption that you will make every payment on the day it is due.

Your finance charge, total of payments, and total sale price will be more if you pay late and less if you pay early. Changes may take the form of a larger or smaller final payment or, at our option, more or fewer payments of the same amount as your scheduled payment with a smaller final payment. We will send you a notice telling you about these changes before the final scheduled payment is due. '' My original final payment was due XX/XX/2022 ( see attachment ). Consumer Portfolio Services did not send any notice regarding how the additional changes, if any, would be handled-per the contract. I, therefore, declare that there were no further charges and request the title to this vehicle. 
This has caused great stress to me. I have XXXX, XXXX, and XXXX and it has exacerbated symptoms that I thought I previously had under control. I have tried contacting CPS per their instructions but have not any any success. 
Arbitration is what is listed for a dispute, but I have also included a copy of their arbitration form and as one can see, it has the same address as the form that was returned for insufficient address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-10-25 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX, XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my right. Under 15 USC 168 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: TN

Complaint narrative:
This company AAFES has charged an obscene amount of interest on my card that I have not used in over 6 years. When I got out of service I owed roughly {$7000.00} and had to default on the card due to a pending divorce and returning back to college full time. Today they said on the phone I owe over {$11000.00} which isn't true. The card has been in collections ever since 2016 and I have paid this company the last 5 years over {$4000.00}. The total amount owed is not {$11000.00} ( The math on what I paid so far makes no sense. ) and they have refused multiple offers by me to settle this debt. I am prepared to take legal action if a fair and forgiving solution can not be obtained. I am trying to purchase a home and my lenders will not move forward with me until this is settled.

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 2022-10-25 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: NY

Complaint narrative:
I am, XXXX XXXX, submitting this complaint against Experian XXXX XXXX XXXX XXXX and there is no third party involved. As of XXXX, XX/XX/XXXX at XXXX XXXX  EST your company is entering a binding contract ( Attached below ). Also, your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/ XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Delete & Purge all Late payments for these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete and purge all Hard inquiries , & all Late payments. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees stated in binding contract & above

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 2022-10-25 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: FIFTH THIRD FINANCIAL CORPORATION
State: OK

Complaint narrative:
Fifth Third Bank is reporting derogatory information onto my account. I am hereby asking Fifth Third Bank to cease and desist in regards to this account. This notice is Pursuant to my federally protected rights. 15 USC 1692 ( c ) ( c ) Ceasing communication with the consumer. It says If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. A form of communication regarding the alleged debt is my consumer report which is directly affecting my credit worthiness. Please see the attached letter for full details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL

Complaint narrative:
To whom it may concern, In response to your letter, which I received it on XX/XX/22. First and foremost, the account in question is paid in advance. Here are some questions that will explain my position. Therefore, I conditionally accept for the value your presentment and agree that I owe the amount indicated on your statement/note and alleged home loan, upon proof of claim that you can produce a valid contract making me liable ( Obligated ) for such a statement/note of a Bill and not a True Bill i.e. Invoice. So in order to confirm this, please provide the following ; If you agree with my determinations, I make timely demand that you notify me of the actions you have taken to correct your errors.

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