vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 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: FL

Complaint narrative:
I filed a complaint about this account earlier for incorrect information reporting, you did investigation and said information is accurate which is not true. In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. Account Name : XXXX XXXX account number : XXXX you have this account as closed with a balance of {$77.00}. but this account is fully paid-off and balance on it should be {$00.00} i have attached email confirming full payment of this account. 

I have attached letter from company acknowledging account paid-off since you guys keep instigating and only indicate account charge off and closed and not indicating its been paid-off

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 2024-04-20 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: MoneyLion Inc.
State: FL

Complaint narrative:
I filed a complaint about this account earlier for XXXX XXXX XXXX, you did investigation and said information is accurate which is not true. In accordance with the Fair Credit Reporting act, XXXX ( A ) ( XXXX ) 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. Account Name : XXXX XXXX account number : XXXX you have this account as closed with a balance of {$77.00}. but this account is fully paid-off and balance on it should be {$00.00} i have attached email confirming full payment of this account. 

I have attached letter from company acknowledging account paid-off since you guys keep instigating and only indicate account charge off and closed and not indicating its been paid-off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
- XX/XX/2024 : After trying to log onto my Marcus by Goldman Sachs account, I find out that the account has been temporarily locked. I call customer service to unlock the account. I am told that they can not " authenticate '' my account because my phone number is not linked to my last name. Customer service representative says they would close my account and hangs up on me. I call again and this customer service representative tells me they would open a case and someone will call me within XXXX business days. 
- XX/XX/2024 : No one has called me, so I call them again. I am told that the case is still open and that there was nothing they could do. So I ask them to close the account because then the money would automatically be transferred to my checkings account on file. 
- XX/XX/2024 : I have not received a closure letter and the funds have not been transferred to my checkings account, so I call again. I am told that the previous customer service representative misinformed me about being able to close the account and that the case was still open. I am told that someone would call me. 
- XX/XX/2024 : I call again given that no one has reached out to me. I insist on speaking to someone who can offer me an alternative solution but am told that that is not possible because the customer service representative on the line can not " authenticate '' me. I am told that my case is still under review. 
- XX/XX/2024 : I call again and, once again, I am told that the case is under review and that someone would call me. I am asking to speak to someone who can offer me an alternative solution and has more details but my request is denied. 

I have been locked out of my account and unable to access my funds for a month now. I have provided the company different ways of verification, including name, date of birth, social security number, address, and secret password set up when I opened the account. I am told that the " authentication '' is unsuccessful because my phone number is linked to a different last name. This statement is incorrect as I have confirmed with my mobile provider that my phone number was correctly linked to my last name. 

I have approximately XXXX USD in this account that the company is preventing me from accessing without any legitimate reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received a letter from Midland Credit Management regarding a supposed debt from a credit card that was closed last year. The letter stated they were planning on suing me for the debt, despite only " having acquired it in XX/XX/2024 ''. When I requested a verification letter from them I was told they sent one but this was the first I was hearing of this. The representative denied my request and upon my questioning why this is the first time I'm hearing about this supposed debt I was told I have 2 options : pay up or go to court. I don't have a job and have been looking since XXXX. The person on the phone told me if I paid {$75.00} a month for 30 months the debt would be gone. I feel like they are using intimidation tactics to force me to pay something I can't afford to right now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: UT

Complaint narrative:
I am writing to file a formal complaint regarding concerning practices observed with my account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This complaint pertains to repeated misreporting and manipulation of my account status, potentially infringing upon my rights and the integrity of the statute of limitations. 

The issue at hand stems from the fact that despite the account being charged off since XX/XX/2020, it continues to be inaccurately updated as charged off on a monthly basis. This persistent misrepresentation of the account 's payment history is deeply concerning, as it creates a false impression of ongoing payment activity associated with a charged-off account. Such misreporting not only violates regulatory standards but also manipulates the statute of limitations, potentially extending the duration of legal obligations unfairly. 

I am troubled by the apparent oversight in conducting a thorough investigation into this matter, as the continued misrepresentation of the account 's status reflects a failure to ensure accurate reporting practices. This oversight has significant implications for my financial rights and obligations, and I urge your immediate attention to rectify this situation. 

In light of these concerns, I hereby request that the erroneous reporting of the subsequent account be promptly deleted. It is imperative that corrective action is taken to ensure the accuracy and integrity of my credit report and to prevent further misrepresentation of my financial history. 

I appreciate your prompt attention to this matter and request a thorough investigation into the practices observed with my account at XXXX XXXX XXXX XXXX. Please provide confirmation of receipt of this complaint and details regarding the steps being taken to address these issues. 

Thank you for your cooperation and swift resolution of this matter.

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 2024-04-20 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I am writing to file a formal complaint regarding concerning practices observed with my account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). This complaint pertains to repeated misreporting and manipulation of my account status, potentially infringing upon my rights and the integrity of the statute of limitations. 

The issue at hand stems from the fact that despite the account being charged off since XX/XX/2020, it continues to be inaccurately updated as charged off on a monthly basis. This persistent misrepresentation of the account 's payment history is deeply concerning, as it creates a false impression of ongoing payment activity associated with a charged-off account. Such misreporting not only violates regulatory standards but also manipulates the statute of limitations, potentially extending the duration of legal obligations unfairly. 

I am troubled by the apparent oversight in conducting a thorough investigation into this matter, as the continued misrepresentation of the account 's status reflects a failure to ensure accurate reporting practices. This oversight has significant implications for my financial rights and obligations, and I urge your immediate attention to rectify this situation. 

In light of these concerns, I hereby request that the erroneous reporting of the subsequent account be promptly deleted. It is imperative that corrective action is taken to ensure the accuracy and integrity of my credit report and to prevent further misrepresentation of my financial history. 

I appreciate your prompt attention to this matter and request a thorough investigation into the practices observed with my account at XXXX XXXX XXXX XXXX. Please provide confirmation of receipt of this complaint and details regarding the steps being taken to address these issues. 

Thank you for your cooperation and swift resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: Westcreek Financial
State: IN

Complaint narrative:
Dear WEST CREEK FINANCIAL DBA, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you, written, unwritten, verbal, and nonverbal Per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Creditors put accounts into collections of accounts I dont have knowledge of, they wont respond back to me or dispute accounts off my credit I want these accounts removed Us department of education XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have a online account with chase bank my son and son in law got paid and signed over their checks to me and I deposited them the bank couldnt verify my XXXX XXXX XXXX so they turned the checks into fraud protection and closed my account. They took the money out of the account that the checks were drawn from and wont let my son and son in laws boss to recall the checks and wont give me the money its been since XX/XX/2023 and the checks were {$770.00} and {$710.00} total XXXX XXXX at my end I dont know what else to do they still have my money and wont return it to the bank they were drawn from

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover auto pay failed as a result my credit score is hurt severely this happened 2x in 5 yrs. This is horrible. 
It was only XXXX dollars each time as well and had more than enough in the bank to pay off debts. 

If your advertised auto payment doesn't work don't blame customers and take responsibility. 

But never the less I paid it off and have since refused to use the card again. 

A quick XXXX search on forums. 

XXXX XXXX XXXXXXXX This is not an isolated incident. Banks have been avoiding responsibility for their bad actions especially since they have been constantly bailed out. Now they are just charging random fees and punishing clients while making excuses and cost cutting causing errors as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
I had issues with Old National Bank overdraft fees. I am a XXXX veteran who doesnt qualify for overdraft protect due to my medical bills after my second transplant. I paid my XXXX bill and it was taken early. I also paid for gas and snacks at a gas station and the amount I paid exceeded the the amount of gas I put in. When I tried to get my refund they couldnt give it back in cash so I had to wait until the money was put back on my card. As I am sending this email I am still waiting for my money to be refunded. My account was in the negative {$30.00} because of these issues. The next day XXXX account was in the negative at {$77.00}. The amount doubled due to the overdraft fees. I explained my issue but no one responded. I had proof of everything I said but they either ignored me or didnt get it. No ones bank overdraft fees should be more than what the amount of the overdraft. They also could have used discretion hen viewing my account. They allow an overdraft fee after {$25.00} and mine was {$30.00}. Im a XXXX veteran living off XXXX and they seem to not understand how those fees affect their customers. They should never have a policy that dont allow wiggle room for cases like mine. Ive been with this bank for XXXX years and it seems to hold no weight in their decisions. How is this legal for XXXX fees and XXXX dollars a day afterwards. They never sent a notice of the overdraft. They send account balances on XXXX but none for overdrafts

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is actually a series of events. The first one 's resolution led to the second, which hasn't been resolved yet. On XX/XX/XXXX, a fraudulent charge of {$10.00} was placed on my credit card. I contacted XXXX XXXX XXXX department, they reverted the charge, and issued a new credit card to me. On XX/XX/XXXX, XXXX XXXX started incorrectly reporting the old closed account as " charged off '' to XXXX and later Equifax. They reported that I owed XXXX XXXX {$10.00} in overdue payments and the debt was written off, assigning me the responsibility and negatively impacting my credit score, while the whole time it was a fraudulent change I reported almost immediately. A representative told me that XXXX XXXX tried to get the money from the merchant but failed, and so decided to put it back on my account. 

I contacted XXXX XXXX, XXXX, as well as Equifax. In about a month 's time, the closed account was removed from my credit reports and my credit score was back to normal. I thought all is resolved, but this is only half the trouble. 

While the closed account was removed, my new account ( the one that was reissued after the fraud ) was also removed from my Equifax account. Equifax told me on XX/XX/XXXX that the " reporting member '' is not providing information for this account. I contacted XXXX XXXX on XX/XX/XXXX but it has been unresponsive since.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: OR

Complaint narrative:
Purchased card and discovered after purchased it had been used. There were no obvious signs of use. Called company to report the fraudulent use of their card. They have done nothing to make us whole despite numerous attempts to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: IN

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you, written, unwritten, verbal, and nonverbal Per 15 USC 6802.

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 2024-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Data Mortgage Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to you today with a heavy XXXX regarding my current financial situation. Recently, I underwent a medical operation which resulted in a significant loss of income, plunging me into a state of financial hardship. In an attempt to mitigate this situation, I reached out to my current servicer, Esssex Mortgage, for assistance. Unfortunately, they informed me that they were unable to provide any help and suggested that I explore options online. Feeling desperate, I then contacted XXXX, but was informed that due to my XXXX XXXX, refinancing was not an option. At this juncture, I find myself in dire need of a loan modification to alleviate the burden of my mortgage payment. Despite my XXXX appeals, the servicers have rejected my requests, leaving me in a state of fear and uncertainty about the possibility of losing my home. I implore you to please consider my situation with empathy and urgency. Any assistance and could potentially save my home from foreclosure. 

Thank you for your attention to this matter. I eagerly await your response and remain hopeful for a positive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
dispute incorrect payment information. the company violatedthe law under 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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:
In response to a critical discrepancy within my consumer report regarding the account named " XXXX, XXXX I write to assert firmly and unequivocally that my report inaccurately reflects a missed payment on this account. I wish to emphasize that all payments linked to this account have been consistently made on time, and I possess irrefutable evidence to substantiate this claim. Moreover, I possess multiple pieces of evidence supporting my assertion. It is imperative that this matter be promptly rectified to ensure the accuracy and integrity of my consumer report in accordance with legal standards. 
Under the provisions delineated within the Fair Credit Reporting Act, specifically XXXX XXXX XXXX XXXX, consumer reporting agencies are unequivocally mandated to adhere to reasonable procedures ensuring the utmost accuracy of individuals ' information. Consequently, it is imperative that this egregious error be rectified without delay to preserve the integrity and accuracy of my credit report. 

I hereby assert, in unequivocal terms, my demand for the imediate correction of the false information pertaining to the alleged missed payment on the account named " XXXX. XXXX Failure to comply with this demand within the next 10 days will leave me with no recourse but to pursue legal action to safeguard my rights and rectify this injustice.

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 2024-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I made an in store purchase for {$110.00} with my XXXX XXXX  card. This was the only purchase on my card. In XX/XX/XXXX I paid the card balance in full. 

In XX/XX/XXXX I got a credit alert that my credit has decreased by XXXX points. XXXX points. I looked at my credit to find out that XXXX has an outstanding balance of {$26.00} that has damaged my credit. When I called XXXX I was told that in XXXX there was a {$2.00} finance charge that has since compounded to {$27.00} causing an outstanding balance on my credit card. 

This finance charge sounds like interest and is usurious. It is also unexpected because in XXXX the total balance told to me was {$110.00} that I paid in full. 

Comenity bank is charging consumers usurious interest on paid bills as a " finance charge ''. Many consumers don't even know about this and XXXX have incurred hundreds of dollars in this compounding finance charge outside of the interest.

Company response to consumer: Closed with monetary relief