vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XXXX I filed a report with the XXXX XXXX XXXX XXXX, in XXXX XXXX, Florida Case # XXXX. To report that I was the victim of an internet fraud XXXX resulting of a loss of approximately {$8000.00} U.S Currency. I applied for a listing on XXXX for a job as a secret shopper and submitted an online application. The alleged business to which I applied was listed as XXXX  XXXX XXXX ( XXXX ) and subsequent email correspondences were directed to XXXX ( XXXX ). I supplied RBG my Discover account ( information and on XX/XX/22 I received a {$3100.00} deposit. I was the instructed to purchase gift cards for specific amounts at various stores and in return I would be paid {$300.00} for each store visited. On XX/XX/22 I purchased XXXX gift cards, each for {$500.00} ( total {$1500.00} ) at the XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, FL. I also purchased XXXX gift cards, each for {$500.00} ( total {$1000.00} ) at XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL. I provided XXXX the gift card information via text message. On XX/XX/22 an additional {$2600.00} was deposited into my Discover account to facilitate the purchase of more gift cards. On XX/XX/22 she purchased XXXX gift cards, each for {$250.00} ( total {$500.00} ) at XXXX XXXX located at XXXX XXXX XXXX, XXXX, FL. XXXX 's final gift card purchase was for XXXX cards each for {$500.00} ( total of {$2000.00} ). On XX/XX/22 I received notification from Discover that the original {$3100.00} deposit was returned unpaid. Discover made the same notification regarding the subsequent {$2600.00} deposit returning unpaid on XX/XX/22. After I notified Discover Card, the suspects removed an additional {$3200.00} since this happened I notified Discover and asked Discover will credit that amount to my account so she did not add that {$3200.00} to her original {$5700.00} reported loss. 
I was the victim of an online fraud scam which I believed to be a legitimate business per all the documents that were completed as a real job application. Discover will not accept my Police Report for the losses that are incurred and are holding me responsible for paying the amount of approximately {$8000.00} that I was swindled out of in this scheme to defraud case. Discover refuses to help and threatened to ruin my credit if I did not start to pay this debt from this criminal case in which I was the victim and am still continuing to be victimized by Discover in having to pay this total amount that I was swindled out of and defrauded of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I implore you to take immediate action to get these unlawful inquiries removed from my credit report. They are seriously upsetting me, and I can verify this with the paperwork I've given. Please look into this situation as soon as possible.

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 2024-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: GA

Complaint narrative:
On XX/XX/XXXX, I went online to EdFin and made a payment arrangement for XX/XX/XXXX for the XXXX payment. As of today, XX/XX/XXXX, that payment has not been applied. When I look at the account it shows the payment pending but also says my payment is late. My confirmation for the payment is XXXX. I have made several payments on this loan and have never been late. They have not reached out to me with any explanation as to why this payment has not been applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
am writing to dispute an inaccurate entry on my TransUnion credit report. There is an account listed under the name " XXXX XXXX XXXX '' that I do not recognize. I have never entered into any agreement with this company and have no knowledge of this purported debt. 
Therefore, I request that you immediately remove the XXXX XXXX XXXX account from my credit report. Please note that I am making this request pursuant to my rights under the Fair Credit Reporting Act ( FCRA ).

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 2024-02-19 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: FL

Complaint narrative:
I implore you to take immediate action to get these unlawful inquiries removed from my credit report. They are seriously upsetting me, and I can verify this with the paperwork I've given. Please look into this situation as soon as possibl

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 2024-02-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
Identity Theft account. Never had a account with XXXX XXXX XXXX. File disputes in 2023 and no response. Did not provide signature proof of allegations of account. 

Account is in violation of FCRA Act and identity theft. Never open any account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I have an indigo credit card that was with genesis card services when I originally opened the account. However, since they have switched to Concora Credit I have been having issues with my card balance. Most recently it seems to have gotten worse. I made an {$80.00} payment XX/XX/XXXX. When I made the payment the balance was at {$290.00}. I called XX/XX/XXXX because the payment hadnt reflected to the account, I was told the payment takes XXXX business days to process and reflect to my account.. it has been over XXXX business days and the balance still has not reflected my payment. Now today XX/XX/XXXX I check my account to see if it had reflected and now the balance is somehow at {$350.00}. I have not used the card since XXXX there is no purchases from XXXX. I have called customer service multiple times and the only response I ever receive is I apologize for the inconvenience this is starting to affect my credit score as it has now been two months that the balance is over limit. It seems that there is fraudulent charges or the company is reporting incorrect balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted the collection company involved ( I. XXXX XXXX XXXX ) and demanded them to cease & desist All communication with me regarding the alleged debt and the company is still communicating with me. According to 15 USC 1681a ( 4 ) I have the right to privacy. I never gave this company my written consent to communicate with me PURSUANT 15 USC 1681a ( 2 ).

Amount : {$15000.00}

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 2024-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: MD

Complaint narrative:
Incident Date XX/XX/XXXX es* card was in mv possession at the time of the incident, While I was asleep the funds that was added to my card, from my employer was stolen from my account. Idid not authorize no one to remove money from my account. Per XXXX of money network 's employees this information was disclose to me he said, and Iquote, " the charges are XXXX another state ''. There for Iwas not physically able to make these charges. Also the times of these charges are inaccurate for these charges, was done between the time my employer loaded my Pay on this card. The charges are as followed, Post Date Amount Merchant XXXX XXXX ADD XXXX XXXX* ADD XX/XX/XXXX XX/XX/XXXX {$20.00} {$20.00} XX/XX/XXXX {$20.00} XXXX XXXX ADD XX/XX/XXXX {$20.00} XXXX XXXX ADD XX/XX/XXXX {$20.00} XXXX XXXX ADD XX/XX/XXXX {$20.00} XXXX XXXX ADD XX/XX/XXXX {$20.00} XXXX XXXX  ADD XX/XX/XXXX {$20.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} XXXX XXXX ADD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADD XXXX XXXX ADD

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
We have sent Ally numerous payments to get our vehicle loan paid down and they are not applying them to our balance. We have paid them over XXXX this month alone and another XXXX in XXXX. Our car was involved in an accident on XXXX and also the transmission went out and needed to be replaced and we are still in process of repairs. They are not applying payments sent and charging almost XXXX in late fees but again they are not applying payments made to principal or adjusting our payments!!!! It states we owe XXXX!!! How when we just paid them XXXX in the last few weeks??????

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 2024-02-19 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: SC

Complaint narrative:
Unauthorized inquiries being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: MA

Complaint narrative:
I attempted to request a XXXX XXXX  interest rate many times and they denied my request. I have been in the intensive care unit and i am not able to work due to balance issues and lack of fine motor skills due to an XXXX XXXX XXXX. I am not able to make payments and have no income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I'm aiming to handle the escrow account independently instead of through Wells Fargo, but they've informed me that with my XXXX at XXXX XXXX, it can't be removed unless I invest {$20000.00} into my mortgage. Despite the property appraisal last year resulting in the removal of my PMI due to property appreciation, I believe I have enough equity to eliminate the escrow account, meeting all the necessary criteria. 

How can I remove my escrow account if the bank doesnt allow me to? 

Please advise.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are XXXX XXXXXXXX XXXX XXXX accounts on my credit report that are reporting inaccurate information. Trans union Credit bureau or XXXX XXXX XXXX is claiming that these accounts were closed in XXXX of XXXX which is incorrect. they had previously claimed they were closed in XXXX of XXXX which is also incorrect. In fact both of these accounts were closed in XXXX of XXXX. Attached are the XXXX bureau credit reports from XXXX of XXXX which clearly state that both of the XXXX XXXX XXXX accounts are closed. This is very deceptive and costly and would like these XXXX accounts removed from my trans union credit report. I have disputed this with trans union and XXXX XXXX XXXX and trans union stated as accurate. XXXX XXXX XXXX never responded. I recently found the credit reports form XXXX to solidify my claim.

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 2024-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-19 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Every time I call NFCU to get an update on the written request I submitted on XX/XX/2024. They change the information that is required on the written request. They add something new that I should have put on the request instead of giving me Everything needed to make a written request from initiation via email to XXXX. It has been close to a week I have been snubbedand or misled. The last representative I spoke with at XXXX AM on XX/XX/2024 just sent me to a survey after I asked to speak with her supervisor. Similarly to this post https : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: NC

Complaint narrative:
While I was in college, our dorm room was broken into and personal items were removed from my room. SSN card, bank statements, checks and other personal items. I filed a report with administration and campus police department. I was informed to wait and to start monitoring my credit. I noticed items on my file I did not apply for. I am having problems with Trans Union in resolving the problem. 


-XXXX opened : XX/XX/year>

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 2024-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I currently have {$22000.00} in student loans being serviced by Mohela. I have been enrolled in the Public Service Loan Forgiveness Program since XXXX and making qualifying payments for 9 years. The current PSLF tracker on Mohela 's website says my payments from XX/XX/XXXX through XX/XX/XXXX are not being counted because I need to verify my employer. However, I have already done so. In fact, their own records on their website have me listed as employed by a qualified nonprofit during that time. Starting in XX/XX/XXXX they have qualified payments recorded because I was working at a nonprofit called XXXX XXXX XXXX XXXX. All of my PSLF forms from XXXX XXXX indicate that I began working there on XX/XX/XXXX and left the organization on XX/XX/XXXX. This amounts to 20 qualifying payments that I made but, after several attempts to get Mohela to acknowledge these my employment at XXXX during that time, is still being denied. 

Mohela is extremely slow to respond to messages and seems to have removed the feature on their website that allows me to submit a message directly to the company, as on XX/XX/XXXX. I have tried several times to get a " PSLF Specialist '' on the phone. Their toll free PSLF number provides over 10 minutes of information through an automated message before even allowing a customer to select from their menu of options. The options try to direct you to more automated messages. You have to go through several layers of options before " speak to a representative '' is an offered as an option. Once it is offered and selected, it actually sent me back to the automated menu instead of directing me to a person. 

I just want to have my payments acknowledged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation