vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: MO

Complaint narrative:
During XXXX XXXX XXXX I stopped using my Discover card and began to pay off the balance. I was getting close to the limit and didn't want to go over. In XXXX XXXX XXXXXXXX I began to notice a reoccurring charge. The charge was the " payment protection '' fee. I spent the next 3 week talking with Discover. I requested that they produce the document where I agreed to the enrollment in the program. They said they didn't have. They eventually said they can give me {$800.00} to settle the dispute. I told them no, I wanted all charges to be returned. I requested the total amount that had been stolen and they refused to show me. Once they offered the {$800.00} they credited my account, despite my refusal, and then they stopped taking my calls. I hired an attorney to send them a letter, but they would not respond to the attorney. After doing some research I found that there was a class-action law suite in XXXX where they were ordered to stop the practice as well as pay refunds, and there was to be no action to take on my part. I was never notified nor did I receive any payments. On top of this up until XX/XX/XXXX they were still charging me the " payment protection '' they were ordered to stop. I also saw that " XXXX XXXX XXXX '' and " XXXX XXXX '' was mentioned also. I was also enrolled in these products and was told they were part of the card, not separate items that had additional charges. I have tried to speak to Discover and have tried to have a lawyer speak on my behalf and I have been meet with a stone wall.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been a victim of identity theft where someone hacked into my network and stole my personal information and opened up some account in my name, which are fraudulent. I have filed a police report and have disputed the information with Experian, XXXX, and XXXX, but they have not removed the fraudulent account from the credit report as of yet. Please remove immediately because it is affecting my credit rating. Thanks a lot. The accounts which are fraudulent includes : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018, and XXXX XXXX- Date Opened : XX/XX/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 2022-03-14 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:
XXXX, XXXX XXXX EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX XXXXXXXX : XXXX -- -> : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : US DEPT OF EDXXXX : XXXX -- -> : {$16000.00}

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 explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
This is a second request regarding Navient Private Loans. Yes in the past, I have had private loans that have been charged off by Navient and are no longer legally collectible as Navient couldn't supply the documents. So, I do not need to know anything about those loans and what happened. 

My issue I have co-signed for XXXX loans for XXXX  XXXX XXXX XXXX The outstanding balance is now double the original loan balance. Also, I do not receive monthly statements from Navient-Yet I have ask many times. Instead I get a robo call twice a day with no message left on my voicemail. I have since blocked all Navient calls. Navient can not send a monthly statement-which I thought was legally required. But they can send XXXX notices to us in the post. I feel like this relationship is one sided. Navient wants me to pay but can not send me a monthly statement indicating the amount due and the due date. The outstanding balance on both loans has ballooned and is now double the original amount. When the COVID forbearance hit, Navient did not notify us. Instead I had to ring them monthly to get a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: SC

Complaint narrative:
On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: SC

Complaint narrative:
On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.

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 2022-03-14 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: WA

Complaint narrative:
I have filed for identity theft with numerous accounts listed on my Transunion Credit Report. I never once permitted Transunion NOR the the furnisher to furnish my report, and after reporting the furnisher and fraudulent account to Transunion, Transunion denied the removal for the fraudulent inquiry and account from my credit report. This has not only caused a discrepancy in my name as attached to the standing of my credit score, but has also been a direct violation fo my rights for mishandling their 'reinvestigation '. My first step for communication with Transunion was on XX/XX/2022 when I called Transunion, and spoke with a representative explaining my situation, that a creditor, and debt collector, XXXX XXXX XXXX XXXX appeared on my credit report as a fraudulent inquiry. Transunion did NOT accept my request to remove the hard inquiry over their notification system, and instead referred me to XXXX to dispute the inquiry. I then called XXXX and spoke with a representative of which they did not find an account or record of my name in their system. After both attempts to remove the fraudulent inquires, and a fraudulent account - XXXX from my credit report, I then sent my filed FTC report made on XX/XX/2022 along with my proof of identity to Transunion to remove the fraudulent inquiries from my report. I was then sent a letter by Transunion saying theat they were unable to complete the request to dispute the information based on it being made in ERROR, or by misrepresenting material fact made based on the information I provided them. On multiple attempts, I have also not been able to directly access my OWN credit file online due to my account being 'suspended '. I am beyond frustrated, and am being violated by my own privacy and rights to exercise my rights a XXXX a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have a used auto loan with PenFed Credit Union. The loan was paid in full and the check has cleared the bank on XX/XX/2022. However, despite numerous calls and emails to PenFed with copies of the check showing it has cleared the bank, they still show it as outstanding. They are still sending me collection letters as well as not releasing my title to the vehicle. I am exhausted. I have tried everything to get this cleared up on my end. I have even reached out to their collection department and they also see notes and a copy of the check in their system. The check has our loan number clearly printed on the check.

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 monetary relief
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
Caliber Home Loans mistakenly reported a late payment to my credit report. On multiple occasions, XXXX representatives, including managers, have verbally committed to removing the erroneous late payment credit reporting, but XXXX has failed to fulfill their commitment. Below is the background. 

On XX/XX/XXXX I made my regular mortgage payment of {$5800.00}. This was the amount of my standard monthly payment since XX/XX/XXXX. However, in XX/XX/XXXX, XXXX increased my mortgage payment to {$6200.00} to cover an increased escrow balance that resulted from my home insurance cost increasing. My XXXX payment did cover my actual mortgage payment as was confirmed by multiple XXXX representatives. 

Normally I would have logged into my account to see if my mortgage payment had changed, but during this time, XXXX had switched to a new website that used two-factor authentication and for unknown reasons the system would not recognize my phone number and thus I was unable to login and see my statement. I called XXXX many times in XXXX and XXXX to resolve this issue, but no one ever picked up my call even after I waited on the phone for over two hours. In the end, I only found out that the XXXX payment had not covered the full escrow requirement when I received a call from XXXX indicating my mortgage was late. I promptly took care of the additional payment after the call. 

In XX/XX/XXXX, I called XXXX and explained the above situation. The representative that assisted me indicated that XXXX was having problems with the new website and that I was having trouble getting phone support because XXXX was short staffed due to the XXXX pandemic. The representative reversed the {$70.00} late fee on XX/XX/XXXX ( which clearly indicates that XXXX took responsibility for the miscommunication that led to wrong payment ). The representative also indicated that the error would be communicated to the credit agencies and the XX/XX/XXXX late payment would be removed. On a second follow-up communication with another representative, the representative also confirmed that the error would be communicated to the credit reporting agencies and the late payment would be removed. 

As of XX/XX/XXXX all three credit reporting agencies still show a 30-day late payment. I have communicated in writing to Caliber Home Loans requesting resolution and have never received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I wrote a letter to Firstpoint Collection Resources about a medical bill requesting a detailed/itemized of the bill they say I owe them {$1200.00} in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX sent me an invoice, but there was nothing about what I was being billed. XX/XX/XXXX, I sent them letter requesting the detailed/itemized bill again. XX/XX/XXXX, I sent Firstpoint Collection Resources another letter demanding they prove the debt. Again they sent me an invoice {$1200.00}, no bill, no detailed information. I want this information removed from my credit report. I have spent months trying to get what they are billing me for. This company is violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
As holders of a spousal consolidation loan through XXXX we are unable to consolidate into a direct loan in order to receive XXXX XXXX XXXX XXXX. My husband and I are both XXXX who have paid well over 120 payments on our loans. This practice is burdensome and unfair. It punishes married public servants. Please change the direct loan requirement or enable those of us who have 120 payments to be forgiven without having to reconsolidate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX mistakenly reported a late payment to my credit report. On multiple occasions, XXXX representatives, including managers, have verbally committed to removing the erroneous late payment credit reporting, but XXXX has failed to fulfill their commitment. Below is the background. 

On XX/XX/XXXX I made my regular mortgage payment of {$5800.00}. This was the amount of my standard monthly payment since XX/XX/XXXX. However, in XX/XX/XXXX, XXXX increased my mortgage payment to {$6200.00} to cover an increased escrow balance that resulted from my home insurance cost increasing. My XXXX payment did cover my actual mortgage payment as was confirmed by multiple XXXX representatives. 

Normally I would have logged into my account to see if my mortgage payment had changed, but during this time, XXXX had switched to a new website that used two-factor authentication and for unknown reasons the system would not recognize my phone number and thus I was unable to login and see my statement. I called XXXX many times in XXXX and XXXX to resolve this issue, but no one ever picked up my call even after I waited on the phone for over two hours. In the end, I only found out that the XXXX payment had not covered the full escrow requirement when I received a call from XXXX indicating my mortgage was late. I promptly took care of the additional payment after the call. 

In XX/XX/XXXX, I called XXXX and explained the above situation. The representative that assisted me indicated that XXXX was having problems with the new website and that I was having trouble getting phone support because XXXX was short staffed due to the XXXX pandemic. The representative reversed the {$70.00} late fee on XX/XX/XXXX ( which clearly indicates that XXXX took responsibility for the miscommunication that led to wrong payment ). The representative also indicated that the error would be communicated to the credit agencies and the XX/XX/XXXX late payment would be removed. On a second follow-up communication with another representative, the representative also confirmed that the error would be communicated to the credit reporting agencies and the late payment would be removed. 

As of XX/XX/XXXX all three credit reporting agencies still show a 30-day late payment. I have communicated in writing to XXXX XXXX XXXX requesting resolution and have never received a reply.

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX mistakenly reported a late payment to my credit report. On multiple occasions, XXXX representatives, including managers, have verbally committed to removing the erroneous late payment credit reporting, but XXXX has failed to fulfill their commitment. Below is the background. 

On XX/XX/XXXX I made my regular mortgage payment of {$5800.00}. This was the amount of my standard monthly payment since XX/XX/XXXX. However, in XX/XX/XXXX, XXXX increased my mortgage payment to {$6200.00} to cover an increased escrow balance that resulted from my home insurance cost increasing. My XXXX payment did cover my actual mortgage payment as was confirmed by multiple XXXX representatives. 

Normally I would have logged into my account to see if my mortgage payment had changed, but during this time, XXXX had switched to a new website that used two-factor authentication and for unknown reasons the system would not recognize my phone number and thus I was unable to login and see my statement. I called XXXX many times in XXXX and XXXX to resolve this issue, but no one ever picked up my call even after I waited on the phone for over two hours. In the end, I only found out that the XXXX payment had not covered the full escrow requirement when I received a call from XXXX indicating my mortgage was late. I promptly took care of the additional payment after the call. 

In XX/XX/XXXX, I called XXXX and explained the above situation. The representative that assisted me indicated that XXXX was having problems with the new website and that I was having trouble getting phone support because XXXX was short staffed due to the XXXX pandemic. The representative reversed the {$70.00} late fee on XX/XX/XXXX ( which clearly indicates that XXXX took responsibility for the miscommunication that led to wrong payment ). The representative also indicated that the error would be communicated to the credit agencies and the XX/XX/XXXX late payment would be removed. On a second follow-up communication with another representative, the representative also confirmed that the error would be communicated to the credit reporting agencies and the late payment would be removed. 

As of XX/XX/XXXX all three credit reporting agencies still show a 30-day late payment. I have communicated in writing to XXXX XXXX XXXX requesting resolution and have never received a reply.

Company response to consumer: Closed with explanation