vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Americor Funding, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I joined Americor as a customer. It was my understanding they would take my credit balances and negotiate a settlement to prevent me from having to pay the minimum balance and prolong the payments, saving lots of money. The program required I stop paying on my consumer credit accounts and direct all calls and correspondences to them to begin the settlement process. I had to go without paying for months and go into default. Before this, I had not missed a payment on my consumer credit for the purposes of this account. I had built up my credit with my creditors. They said No money is paid by me until a settlement is reached and once the settlement is reached I would use the funds I paid which were XXXX from XX/XX/XXXX until XX/XX/XXXXXXXX XXXX XXXX, and with a loan from Credit9 to pay the settlements and I would make payments to XXXX for the loan balance. They stated I would be able to get other consumer credit, even with the same companies. In XX/XX/XXXXXXXX XXXX  I was informed I was not approved for the loan to pay off the settlements due to a XXXX  I am currently involved. The problem is if they had asked me about bankruptcy the day I signed up, I would Not have signed up because I was aware of my XXXX. I would have continued to make payments on my credit, and still been ablt to use my credit. As a result my credit score dropped terribly due to the default and they wanted me to continue to pay them the long way, with no rebound in my credit score and hefty fees instead of being able to remove the credit settlements, which would have improved my credit. I made all of my payments to Americor monthly based on the closest payday to my payment. I later realized the charges I was paying them were more than what was going to pay in my settlements. I then opted out, I no longer opted into their program, it did not do anything to benefit me as they said it would. I have been damaged terribly, I no longer have the use of any credit which I used for my business. I have no credit to obtain any other credit. There was not 1 question asked about bankruptcy when I signed up, they had all of my information including how much credit debt I had, it was not possible for them not to see XXXX XXXX They have paid pennies on the settlements but most of what I paid was taken in fees by Americor.I could used other ways to pay my credit down but I was assured Americor was the best way to go. XXXX XXXX tried to argue with me when I canceled but I would no longer speak with him about my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Informed company of inaccurate, inconsistent and non compliant information being reported to XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My debit card was in the process of being replaced when the new digital card they assigned me got suspended. I received a letter in the mail but it did not detail why my card was suspended just that they were investigating a fraud claim. I called the bank 3 times and was finally informed that my account was suspended without a reason why. There was no prior notice or an attempt to transfer my funds to another account, Chase just told me I would have to wait 7-10 business days for my money to be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
When the REPAYE plan was switched to the SAVE plan, my payment went up not down, which made no sense. Additionally, it is significantly higher than ( 1 ) I was told it would be via the estimator, ( 2 ) I was counseled it would be by Mohela reps, ( 3 ) it should be based on the outlined calculation process, ( 4 ) similarly situated peers with similar income and debt.

In addition to not being able to articulate the reasoning for the payment amount continually adjusted to the higher rate, I also received a statement demanding payment for an even greater amount beyond what it states in my account is my monthly payment. Again, Mohela was unable to explain to me why the amount was upped.

I have spoken to no less than five representatives over the last three weeks. I have asked for calls back and they were never returned. I have spent over 7 hours on hold. I can not get a hold of anyone and when I do no one will provide me answers or documentation for the discrepancies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I dont have any credit because I came recently to the country so I am trying to build my credit but I didnt have any idea how to improve my credit of building so I started to learning about it and then I realize that I can check my credit report but when I saw it, I had like 33 inquiries and I dont recognize most of them and I dont really know what happened. I think that someone is using my Social Security to apply to different credit cards but as I dont have any credit history, they couldnt be approved and now that I want to apply to some credit cards they couldnt be approved because I have too many inquiries I already locked my credit file because I dont know if that person is gon na be able to continue requesting credit card so were trying to open accounts under my name. I just recognize the one from my car when I did when I came with XXXX XXXX XXXXXXXX and 2 secure credit card I have.

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 2023-12-08 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/XXXXXXXX  while vacation in XXXX, MO we attended an owners ' meeting and a man named XXXX XXXX sold us ownership in XXXX XXXX XXXX for {$3900.00}. This company was supposed to rent out any unused XXXX XXXX points and pay us for them. 

After receiving our XXXX XXXX points in XXXX, I contacted or attempted to contact XXXX XXXX to find out how to proceed. I called the numbers provided on XXXX XXXXXXXX XXXX business card but the numbers are no longer in service ( XXXX and XXXX ). I also emailed XXXX and that address does not exist. I contacted the executive offices of XXXX in XXXX where we supposedly purchased ownership with XXXX XXXX and they informed us that XXXX XXXX had been fired. 

I had no way to get in touch with this group and I contacted the credit card company to which the {$3900.00} was charged and informed them that this was a fraudulent charge and that we were unable to contact anyone ( even the info provided on the charging line of the credit card statement ( XXXX ) and that we had not received any services from them for which we had paid. The card is a Barclays XXXX XXXX card. Barlays immediately issued a provisional credit for the {$3900.00}. 

On XX/XX/XXXX I received a letter from Barlays indicatingthat indicated that they had received a response to validate the transaction and that the merchant had not violated the terms and condidtions of the sales agreement and that the {$3900.00} would be reapplied to our account. 

Again this morning XX/XX/XXXX I attempted to contact XXXX XXXX using the email address provided on the contract and received a reply that the address does not exist ( XXXX ) and I called the phone number provided ( XXXX ) and the number has been disconnected. 

I am going to provide this additional information to Barclays and continue to protest the charge because evidently either this company does not exist or has gone out of business because WE HAVE NOT RECIEVED ANY SERVICES that this contract provides.

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 2023-12-08 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: FL

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX, am submitting this Identity Theft Affidavit to report and dispute fraudulent activities and unauthorized transactions that have occurred under my name. I assert that the information provided herein is true and accurate to the best of my knowledge. 

I became aware of the identity theft on XX/XX/XXXX  when I noticed suspicious activities on my financial accounts and received communication regarding accounts I did not open. This has caused significant distress and concern for my personal and financial well-being. 

I have taken immediate steps to report this identity theft to the relevant authorities, and notifying my financial institutions. I am in the process of working with the affected entities to rectify the fraudulent transactions and secure my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: WI

Complaint narrative:
The account isnt mines. It is also hurting my credit report. I never opened these accounts. I was incarcerated at the time they were opened. I did not give anyone permission to use my information. I have supplied government documentation of dates incarcerated as well as a copy of my complaint. 


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 non-monetary relief
Consumer complaint received 2023-12-08 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: WI

Complaint narrative:
The account isnt mines. It is also hurting my credit report. I never opened these accounts. I was incarcerated at the time they were opened. I did not give anyone permission to use my information. I have supplied government documentation of dates incarcerated as well as a copy of my complaint. 


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 non-monetary relief
Consumer complaint received 2023-12-08 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: AZ

Complaint narrative:
This company XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX ) has put a {$4600.00} on my credit report and refus to step off.I worte letter to dispute to all 3 credit agencies to take it off and they refused as well. The XXXX. sented me some copies they got from XXXXXXXX XXXX XXXXXXXX with fake amount of bogus charges and trying to scam me out of {$4600.00}. With this on my credit report it put a hardship on my credit being damage until I get this resolve.

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 2023-12-08 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: VA

Complaint narrative:
XXXX  Account # XXXX THIS ACCOUNT IS NOT MINES, I NEVER SIGNED A CONTRACT WITH XXXX XXXX XXXXXXXX XXXX THEY ARE IN VIOLATION OF MY PRIVACY FOR USING MY INFORMATION THIS ACCOUNT NEEDS TO BE DELETED DUE TO ITS INACCURACY & UNFAIRNESS. 

IN VIOLATION OF MY PRIVACY FOR GIVING MY INFORMATION TO A THIRD PARTY PLEASE REMOVE THIS ACCOUNT 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 2023-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
On XX/XX/XXXXXXXX  T D bank employee had given access to my locker box # XXXX without my permission. All my savings and personal items was stolen. When I went to access on XX/XX/XXXX I see someone else signature. There was back and fourth investigation with my full coopertation. With so many requst from my side there was no answer from Bank. I contacted O C C. They did investigation and made bank GUILTY. I hired Attorney Paid so much money to solve issue although its not my fault. 

T D bank attorney Has never responded with any answer or reply untill now. I an XXXX XXXX XXXX. I been so upset & depressed.. Has been not able to work or communicate with any one in proper manor. 
If I get some help or direction I will really appreciate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SS # : XXXX Date of Birth : XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. The List of items attached below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, 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 non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SS # : XXXX  Date of Birth : XX/XX/XXXXXXXX XXXXXXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. The List of items attached below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, 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 2023-12-08 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: VA

Complaint narrative:
XXXX  Account # XXXX THIS ACCOUNT IS NOT MINES, I NEVER SIGNED A CONTRACT WITH XXXX XXXX XXXX  . THEY ARE IN VIOLATION OF MY PRIVACY FOR USING MY INFORMATION THIS ACCOUNT NEEDS TO BE DELETED DUE TO ITS INACCURACY & UNFAIRNESS. 

IN VIOLATION OF MY PRIVACY FOR GIVING MY INFORMATION TO A THIRD PARTY PLEASE REMOVE THIS ACCOUNT 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 explanation
Consumer complaint received 2023-12-08 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: VA

Complaint narrative:
XXXX  Account # XXXX THIS ACCOUNT IS NOT MINES, I NEVER SIGNED A CONTRACT WITH XXXX XXXX XXXXXXXX XXXX THEY ARE IN VIOLATION OF MY PRIVACY FOR USING MY INFORMATION THIS ACCOUNT NEEDS TO BE DELETED DUE TO ITS INACCURACY & UNFAIRNESS. 

IN VIOLATION OF MY PRIVACY FOR GIVING MY INFORMATION TO A THIRD PARTY PLEASE REMOVE THIS ACCOUNT 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 explanation
Consumer complaint received 2023-12-08 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: DISCOVER BANK
State: KS

Complaint narrative:
I found this account opened in my name in XXXX, discover closed it and then provided a 1099 showing I wasn't liable for the amount. 

Despite this, it has remained on my credit hurting it. I eventually paid the amount despite it not being mine ; however, discover is still reporting it on my account.

Company response to consumer: Closed with explanation