vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MI

Complaint narrative:
Over the past year, Discover has repeatedly exposed my personal, non-public and sensitive data to fraudsters, including my salary, banking and other information. In addition, without my knowledge or consent, and in a retaliatory manner for me pressing for greater protection of my information, a Discover agent disabled my profile and automatic payments, which has prevented me from making my payment which is due in less than 36 hours. Upon discovering this on my own, as I was not told my payments and profile were deleted, I called today. I was told my only option was to make a payment by phone, which would require me to release banking information over the telephone to the very department that has repeatedly failed to appropriately handle attempted frauds and protect my information. When I balked at this, and explained that I obviously did not feel comfortable, I was given no other option to avoid being late, even though Discover caused the problem. When I asked to speak with a supervisor, this was declined. She said the " process '' for speaking with a supervisor was to let people know all supervisors are in a meeting, and that I could expect a call back within two days, which is after my due date. She also seemed to act in a retaliatory manner when I mentioned I'd have to file a complaint with their regulators ( what choice do I have at this point? ), warning me she would be noting my file. Discover has repeatedly failed to follow its own basic procedures to protect my information, causing my information to be exposed to fraudsters, and has taken an active role in preventing me from making my payment timely, stating I would have to pay by phone. Given the numerous calls and hours to Discover over the last year pleading to resolve these issues, this matter has cost me. I think it is important to realize that Discover repeatedly does not follow its own security authentication procedures and exposes its customers information, as has happened to me multiple times this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
I deposited a check for {$650.00} on Monday XX/XX/2021 into First Bank Florida. The check cleared the XXXX XXXX on XXXX XXXX ( See Attached ). As of XX/XX/XXXX the funds are not in my First Bank Florida account. I would like to know where the funds are and why they are not available after they cleared XXXX XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have been on a covid forebearance since XX/XX/XXXX with XXXX mortgage and then on XXXX this year the file was transfered to XXXX XXXX. I was offered a deferal at the end of the covid forebearance period and upon transfer, I was told by XXXX and confimred by Select Portfolio Servicing that they would honor the deferal at the end of the final period which was XX/XX/XXXX. I sent the documentation they requested from XXXX. 
Now Select Portfolio Servicing is stating that the investor does not want to honor this and they want to me to go through a retention review process. I was told the deferral would be automatic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc.
State: AL

Complaint narrative:
I received a general Prepaid Mastercard from XXXX ( XXXX XXXX XXXX XXXX ) last year at this time. Given the current conditions with Covid, I was unable to completely spend the balance on the card prior to the expiry date. I reached out MyPrePaidCenter.com to request a reissue of the card with the remaining balance but they refused. After reviewing the information provided on your bureau 's website, I should be entitled to a reissued card with the remaining balance on it. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15 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: MO

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A XXXX, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 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 2021-12-15 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: MO

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A XXXX, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
After four months of communication and different disputes with EARLY WARNING SERVICES , LLC, SUSPICIOUSLY, UNETHICALLY, AND LACK OF PROFESSIONALISM, today XX/XX/XXXX, THE CONSUMER SERVICES AGENT NAMED XXXX, told me that IT IS WRITTEN IN MY FILE THAT SINCE XX/XX/XXXX, ( WHEN I COMPLAINT TO THE CFPB THAT EARLY WARNING SERVICES , LLC HAS NOT SENT ME A XXXX XXXX  NOTICE OF REMOVAL LETTERS FROM MORE THAN A MONTH AGO, AND I REQUESTED XXXX  SEND ME A CERTIFIED ENVELOPE TO BE SURE THEY ARE SENDING THE XXXX XXXX  LETTERS ), XXXX HAS TO VERIFY MY IDENTITY. XXXX asked me personal information from XXXX to the present, and I answered ALL THE QUESTIONS CORRECTLY, then she told me that she was going to send me an text to my cellular with a link to be open and then to follow instructions in order to XXXX to assist me. First, I have not paid my cellular phone, and second, it looks a pretext to open a link in order to be worth to be assisted. I COMPLAINT AGAINST EARLY WARNING SERVICES FOR DISCRIMINATION BECAUSE THIS COMPANY IS TREATING ME IN A DIFFERENT WAY, IN A REVENGE WAY, AND WITH INEXCUSABLE PRETEXTS NOT TO ASSIST ME. ALSO, SINCE I AM REJECTED TO BE ASSISTED WITH SUSPICIOUS EXCUSES, I WILL BEGIN REQUESTING MY COMPLAINTS FROM THIS PAGE. TODAY I SENT TWO DIFFERENT DISPUTES : XXXXXXXX XXXX XXXX XXXX  ACCOUNTS, AND XXXX XXXXXXXX XXXXK. TODAY IS XX/XX/XXXX, I REQUEST XXXX TELLS ME WHEN THEY WILL ANSWER MY DISPUTES FROM XXXX XXXX  XXXX FOUR ACCOUNTS, AND FROM XXXXXXXX XXXX, ONE ACCOUNT. I ALSO REQUEST THE LETTERS BE SENT BY CERTIFIED MAIL. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: OK

Complaint narrative:
Received a letter from a company named Jefferson Capital Systems LLC claiming that I owed just under {$150.00} for an unpaid cell phone bill from XXXX XXXX When I contacted the company to inquire about the debt, I was transferred to a call center in XXXX who gave told me that they were going to report the debt to the credit agencies if I did not pay them the debt immediately. Since I had not had any cellular service with XXXXXXXX XXXXr since XXXX, nor had the company ever attempted to contact me in any way claiming that I had an unpaid balance, I was obviously very skeptical. Knowing that this was likely a scam at this point, I then contacted XXXX XXXX directly to inquire if they had any record of any outstanding balance due on my old account. They pulled my old account data and confirmed that there was no balance due, nor did they report any debt to any collection agency. When I contacted Jefferson Capital Systems back and confirmed to them that XXXX XXXX informed me that there was no debt nor had they been hired to collect such debt, the representative became very hostile before stating that they would just " forgive '' the debt. It appears very likely that this outfit has somehow obtained a list of XXXX XXXX 's old customers and is attempting to scam them out of small amounts which would be similar to that of an XXXX so that the victim doesn't ask any questions or contact the company to verify the debt. I guess we can add this to the endless number of debt collection scams out there predating on hard-working Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: MO

Complaint narrative:
I have been trying dispute negative items on my report since XXXX I am a college student and just been doing my own research and trying repair my own credit to start a business I have contacted all three bureaus and no one will reach back out to me and if they do I was given the run around I have stated laws I have learn which they are in clear violation of nothing this is very frustrating because this has been affecting XXXX XXXX XXXX XXXX XXXX XXXX XXXX please look into this matter and remove immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been trying dispute negative items on my report since XXXX I am a college student and just been doing my own research and trying repair my own credit to start a business I have contacted all three bureaus and no one will reach back out to me and if they do I was given the run around I have stated laws I have learn which they are in clear violation of nothing this is very frustrating because this has been affecting my life and how I do things please look into this matter and remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MS

Complaint narrative:
XXXX RMP XXXX contacted me about a {$1900.00} debt I owed. The XXXX on the phone offered to settle the debt for 40 % or {$770.00}. I accepted the settlement and paid the {$770.00}. I was advised that the debt was considered paid in full and a file would be sent to the credit bureaus advising as such and that I would see this updated in my credit by end of XXXX. On XX/XX/XXXX, an agent from XXXX services contacted me and advised I still owed {$1100.00} on the account. Once I challenged this, he got a XXXX XXXX  that explained that the previous XXXX had mad a mistake and that they could only settle for 50 % and thus I still owed {$190.00}. I stated that i was advised the debt was settled on the previous call and thus I was not responsible for the error on their pet. This was escalated to XXXX XXXX who is the division XXXX. XXXX again explained that agent had made a math error and I still owed {$190.00}. I explained that I did not owe this amount as I had paid and advised the debt was paid in full on the XX/XX/XXXX call. XXXX advised that he understood but they couldnt accept that and the debt would remain. I advised that I would have to look into options to protect myself as I felt this was collecting a debt twice and using a deceptive practice to collect addition money that I didnt owe. XXXX said I could do that and the company may decide to just refund my payment and request the full {$1900.00} debt. I told XXXX I felt like this was a threat in order to get me to pay the addition XXXX. He said it wasnt but that he was advising what could happen. Call ended as XXXX said he would have the XXXX of the XXXX  call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: PA

Complaint narrative:
I have reviewed my consumer report and find that XXXX funding is still reporting after a cease and desist letter was sent to them on XX/XX/2021. The letter specifies no third party communication. Not only that, the account was deleted and reinserted without notice to me the consumer in writing under 15 USC 1681i ( B ) ( ii ). They also have not given me the right to validate the alleged debt by sending an audit trail for validation.

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 2021-12-15 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: PA

Complaint narrative:
I have reviewed my consumer report and find that XXXX funding is still reporting after a cease and desist letter was sent to them on XX/XX/2021. The letter specifies no third party communication. Not only that, the account was deleted and reinserted without notice to me the consumer in writing under 15 USC 1681i ( B ) ( ii ). They also have not given me the right to validate the alleged debt by sending an audit trail for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent outsourcing XXXX XXXX XXXX XXXX XXXX, Wa XXXX Collection amount {$620.00} XX/XX/2021 This account was never opened by me and I have never lived in the state of Washington

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 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
I get 5 to 7 calls a day from affirm on my work cell phone through out the day everyday. Last person i talked to was rude and i couldn't understand him and he threatened me saying it would be put in collections if not paid. I was out for 2 weeks with XXXX for the 3rd time and i tried there site and it said i didnt qualify. I have all the phone documents and XXXX XXXX to add to this complaint. I emailed and chated online to stop the calls and its still happing. I have paid half the loan off and could not due to out of work for XXXX Now im back to work but they will not work with me and still call my work phone while im at work. Today i chatted with them and they claimed they were not making mulitple calls and i have the logs here. They lied to me about the calls and i pointed that out but i cant send them nothing to show it on there chat. And when i call each number back it says affirm message and hangs up. He said they would not repeat calls and at the same time of the chat another call from them came in from a different number. So he lied about calls and harrassment calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: SC

Complaint narrative:
I tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! this information is fraudulent and i want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

Complaint narrative:
On XX/XX/21, I pulled a copy of my credit report. I noticed there was collection on there from LJ Ross Associates. It's a collection for a XXXX XXXX bill, which I never opened or gave permission to use my personal credentials. The collection was reported XX/XX/21 without any notification. The amount is for {$410.00}. I'm asking that this account be removed immediately as this is fraudulent!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: GA

Complaint narrative:
There are credit cards that was opened in my name I want to have removed my credit reports, this is fraud and I want them removed immediately from my reports I want XXXX card, XXXX XXXX XXXX, XXXX XXXX XXXX removed I did not authorize anyone to open these credit cards in my name and I want these removed asap, I dont appreciate this inconvenience, Im filing this to have these removed thank you.

Company response to consumer: Closed with explanation