vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Subject : Complaint Against Discover Card Services Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Discover Card Services regarding a payment plan issue that has significantly impacted my credit standing. I believe the practices followed by Discover Card Services in setting up and managing this plan are unethical and irresponsible. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 604 A Section 2, I have the right to privacy, and a consumer credit agency can not furnish an account without my written instructions. Furthermore, under 15 USC 166b, a creditor may not treat a payment on a credit card as late for any purpose.

In 2023 during a financial crisis, I enrolled in a payment plan offered through the Discover Card Services app. Unfortunately, the app failed to adequately inform me that to avoid late payments being reported to credit bureaus, I needed to pay three months in advance. Despite Discover Card Services automatically deducting monthly payments from my bank account on time, my credit report was adversely affected due to the lack of upfront information.

Upon discovering this discrepancy, I contacted Discover Card Services multiple times to seek assistance. Each time, I was assured that the issue would be rectified. However, the problem persisted, and no resolution was provided. Furthermore, I did not receive any letters or communications explaining the terms of the payment plan and the potential impact on my credit.

I find it unethical and irresponsible for Discover Card Services to establish a payment plan through an app without transparently disclosing the requirement to pay three months in advance, thus jeopardizing my credit during a challenging financial period. An option to pay in advance, which I could have afforded, was not provided, nor were there any clear disclaimers during the enrollment process.

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly. I seek the following resolutions : Immediate Correction : Rectify the reporting discrepancies on my credit report caused by this payment plan.

Transparency : Ensure that Discover Card Services provides clear and transparent information regarding the terms and potential credit impact of any future payment plans.

Communication : Require Discover Card Services to communicate the terms of payment plans explicitly to customers, including any potential consequences on their credit.

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a fair and thorough investigation into this complaint.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I have an AMEX card with a due date of XX/XX/ and the amount due was {$40.00}. I paid {$41.00} via an electronic payment from my XXXX account on XX/XX/ and the money was deducted from my account on the same day ( XXXX  ). Today, I checked my account to see my updated balance and noticed a late fee of {$29.00}. I contacted AMEX through their messaging system in the AMEX app. I explained the situation with them and they said that the payment was late. I asked if there was an email for me to send proof that the payment wasn't late, and he said no. Then, the customer service agent asked if I wanted to file a waiver, and I said yes. Approximately 5-10 seconds later, he says that the waiver was denied because the payment was late. So, I contacted XXXX bank to confirm if the payment was delivered on time. The customer service agent with XXXX confirmed that the payment was deducted from my account on XX/XX/ and was delivered without issue on XX/XX/. XXXX XXXX 's policy, " electronic payments are sent two business days prior to the due date to ensure on time delivery. Some billers may not show the payment right away, but once they do it shoulder be credited as of the delivery date. '' On top of being charged a {$29.00} late fee, my next payment is {$70.00}. I have already filed a XXXX  complaint against the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
In accordance with the fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602a states : I have the right to privacy.

15 USC 1681 section 602a section2 stated : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was a victim of identity theft. I have indetified accounts on my credit reoort that was opened without my knowledge or consent, Ive attached My FTC credit report for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was a victim of identity theft through a hiring scam on linked in The scammers got {$320.00} from my Credit account from explaining that I needed to purchase the work equipment headset and a phone upon realizing it was a scam. I reported it to XXXX XXXX Police Department I filled out the form on identity theft.gov. I also reported the situation to my credit card company, this was in XX/XX/year> since then there has been an investigation I received confirmation that the issue was resolved. However, shortly after my account was charged again for the same amount plus additional {$39.00} fee I have had to call every month to resubmit an investigation. And this repeats every month they send a letter saying its resolved and my account is credited but then its recharged the {$320.00} plus additional fees. I have tried over several months to resolve this with my credit card company only to find out that because of wording and time constraints, they will no longer help me with these charges which have now racked up to over {$300.00} over my credit limit and has done major damage to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have asked that the information gathered about my bankruptcy from XXXX XXXX in XXXX XXXX  that is public records and was mind by XXXX XXXX and sold to Experian, XXXX XXXX, and other credit agencies. This information was collected and sold, and is in accurate on my Private credit report. it has been 10 years since they have been reporting this I would like for it to be removed. It has been harmful to my financial well-being.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I made a Purchase with a company called XXXX XXXX. It apparently is an XXXX  company selling into the US. I have no problems buying from overseas companies as I have done that in the past. 

I used PayPal to make the purchase. 

I made XXXX separate purchases. One for about XXXX XXXX  and another for XXXX XXXX. 

The items for XXXX arrived but the quality was poor. there were 5 or 6 items in this package. I kept 2 or 3 and returned 3. The total refund due me should have been XXXX XXXX. The only refunded XXXX XXXX  and kept almost XXXX XXXX  for refunds and taxes! I am still in the process of collecting the difference back. 

The second item was stuck with XXXX  customs because they had initially misclassified the amount of wool in the coat. After 30 days I assumed they had returned the item back to XXXX. 

Lo and behold I get an email from XXXX asking for Import duties for an item they delivered. I informed the merchant the item was not received that I was going to be asking what happened to my refund. 

XXXX informed them they delivered the product and I signed for it. I never signed for anything. I was travelling a lot during that time so not possible I could have signed for the item. I later had XXXX  XXXX and came back to work on XX/XX/year>. No way I signed for a package. 
How did I get a package that was delivered before the duty was paid. Doe snot even begin to make sense. 
I filed a dispute with PayPal. PayPal keeps closing the case because they received an electronic copy of a delivery from XXXX saying they delivered to my address. 

This is insane!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Brennan & Clark, Ltd., LLC
State: NJ

Complaint narrative:
I have recently received correspondence from Brennan & Clark Ltd, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, collection agency hired by XXXX XXXX XXXX XXXX XXXX asserting that I am indebted to XXXX for {XXXX However, XXXX has previously communicated with me, explicitly confirming the accurate processing of all payments, and stating that " no further action is needed. '' This confirmation, dated XXXX XXXX XXXX can be verified, directing attention to page # 2 for additional details. 

Furthermore, XXXX XXXX XXXX has reiterated that all payments have been correctly processed, and their records indicate that our office does not owe any payment about this matter. Additionally, I consider the issue resolved, and any further attempts to collect on this alleged debt will be perceived as harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kovo
State: FL

Complaint narrative:
After directly addressing Kovo Inc to cease the sharing of my non public personal information to third party affiliates and as it is not permissible to report late payments.. Kovo directly continues to infringe on my rights after the implied consent that the company May report however after stating to them they MAY NOT share any information and thus only to which is permissible. 

Kovo inc. employees proceed to infringe on my rights, infringe of their own privacy policies due to the untrained staff and lack Of knowledge of consumer rights. 

No where in a Kovo Inc agreement. Does it state they are REQUIRED TO REPORT only they may which implies a choice. I conditionally accepted the agreement. Kovo inc does not have the option to cross out or conditionally agree online however upon quitting in to support i have made this direct and clear to cease and further late patent reporting pursuant to 15 USC 1681b and 15 usc 6801

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have a discover credit card that I had missed payments .I was put on a XXXX  month payment plan which I completed in the month of XX/XX/year> XXXXmy account credit has been frozen I can not use any of my available credit. I checked discover website I cant find anything on their website that states My account will continue to be frozen after completing their program.Last year I was able to use my cash back deal and thats it. I believe that this is a form of discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo credited me {$3000.00} back on XXXX  for services that I didn't receive for a medical procedure. 
On XXXX  Wells Fargo reversed the credit of {$3000.00} which left the account negative {$2800.00} I spoke to the claims department on XX/XX/XXXX concerning the account being negative and refiled the claim because they had more questions. 
On XXXX  my payroll deposit of {$2400.00} covered the fees of the reverse credit that was caused by Wells Fargo and the account was left with a negative {$440.00} Due to the refiled claim Wells Fargo credited my account {$3000.00} on XXXX  I wasn't fully compensated because I only received a total of {$2500.00} I've spoken with a banker several times to resolve my issue and haven't received any results to my issue. 
I wasn't fully credited the {$3000.00} that the doctor 's office stole from me and I didn't get compensated for the payroll deposit that Wells Fargo stole from me {$2400.00}. 
Wells Fargo took my money and paid me back with my money but not all of it. 
Wells Fargo owes me {$2800.00}. 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 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Company claims to have verified debt, after the police investigation it has been determined the debt is not mine and APPROVED. Items were shipped to an address XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Ca XXXX which I have never lived at nor has nothing to do with me. 

Order # XXXXXXXX XXXX XXXXXXXX Company issued credit card and later closed it after their internal " restructuring '' to all credit card holders, pretty sure this is an internal fraud case. 

Company is sketchy at best.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I cant view my credit profile on any platforms and I need to view them to look at my report. Im a victim of id theft and need to view its its been 4 months and I need to see my Transunion and XXXX 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
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This inquiry is unauthorized according to15 USC 1681B2. This inquiry is listed as follows on my credit report as XXXX XXXX XXXXXXXX dated XXXX, XXXX XXXX, XXXX XXXX dated XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  dated XXXX, XXXX XXXX XXXX dated XXXX, XXXX XXXX XXXX dated XXXX, and 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 2024-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
since XXXX of XXXX when I received first a mortgage increase from NEWREZ of almost {$400.00} a month higher. 
First error they were showing my taxes due 3 times a year that was corrected. 

Then they paid XX/XX/XXXX second half taxes in XX/XX/XXXX and I provided them proof which matches the withdraw amount from my mortgage analysis they sent on XXXX. 

But they will not remove the amount showing they are paying it again XX/XX/XXXX. I have already sent them evidence that the county shows they paid them ahead of time in XXXX. If they pay attention then my account is not short and I can go back to my regular payment. They will not even allow me to make my regular payment while they fix the issue causing a financial hardship to my household. I been dealing with this going on 3 months. Then I called the tax department at Newrez but their escrow and tax department have me going back and forth and do not communicate between each other as the tax department does show it paid. I keep asking why can't they communicated between each other and they said they can't. worst Mortgage I ever heard of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I look at my credit report and saw that Santander is stating that I had a loan with them, but I have no proof. I called them and there was no information in their system but its showing on my credit report. There is another company that ran several inquiries and on my credit without my permission and I have the letter. There is a total of XXXX inquires on my credit report that was done without my permission or consistent. XXXX XXXX dealership. 
And a medical bill that's on my credit report that's does not belong to me.

Company response to consumer: Closed with non-monetary relief