vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing this letter to dispute the inaccuracies and illegalities in my credit report that have caused significant harm to my credit score and financial well-being. Specifically, I am concerned with the actions of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Firstly, XXXX XXXXXXXX XXXX XXXX XXXX XXXX late payment on my account XXXX XXXX  XXXX which is completely false. I have never missed a payment on this account and have always paid on time. This violation of the Fair Credit Reporting Act ( FCRA ) has caused undue harm to my credit score and has the potential to impact my future financial opportunities. 

Secondly, XXXX XXXX has reported my account XXXX XXXX XXXX  as charged off, which is also false. I have made several attempts to rectify the situation with the company, but they have refused to acknowledge my payments and have continued to report the account inaccurately. This violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) has caused significant damage to my credit score and my ability to secure credit in the future. 

Thirdly, XXXX XXXXXXXX XXXX  XXXX XXXX. has reported my account XXXX XXXX XXXX as being in collection, which is also false. I have never received any communication from them regarding a collection account, and they have not provided me with any proof of such a claim. This violation of the FCRA and the Truth in Lending Act ( TILA ) has caused unnecessary harm to my credit score and my financial reputation. 

Lastly, XXXX XXXX XXXX  XXXX XXXX. XXXX has also reported my account XXXX XXXX XXXX  as being in collection, which is completely unfounded. This violation of the Real Estate Settlement Procedures Act ( RESPA ) and the Equal Credit Opportunity Act ( ECOA ) has caused significant damage to my credit score and my financial stability. 

I request that you investigate these inaccuracies and take appropriate action to rectify the violations of the above-mentioned laws. Please provide me with written confirmation of your findings and the actions taken to rectify these violations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
I used the company through a furniture store to buy a mattress. I was told there was a 27 % APR. After I signed everything they switch it to a 200 % APR. My signature is not on anything that has that 200 % APR on it. The loan was for {$1500.00}. Ive paid them about {$2500.00} and they say I still owe them {$1300.00}. And now my credit score has gone down significantly because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: WA

Complaint narrative:
On XX/XX/XXXX, Discover bank underwent announced maintenance on its debit card systems. The message users received about this for weeks before it happened was that the maintenance would take place overnight, and that it would not affect transactions. 

That morning, several hours after the maintenance window, I tried to use my debit card and it was declined for insufficient funds. I called Discover Bank, and they had no idea why my card wouldn't work, though they thought it was because my card was expired. " Are you sure you aren't using an older card? '' I don't have an older card. 

They told me there was no reason my card was being declined, and I should try again. I did, and it was declined again. THAT is when the customer service reps admitted their maintenance went longer than expected and was - contrary to their own written promises- affecting transactions. 

Two days later, and my card is being declined AGAIN. This time, they've allowed vendors to maintain holds on funds even after the bank has charged me for the vendor 's item, effectively taking money out of my account twice, and rendering me again unable to use funds in my account as they are tied up with " holds ''. 

I tried to log into their website to register a complaint, but the website tells me my account " isn't accessible '' because I'm using an older browser ( my XXXX  updated just a few days ago. I'm on the latest build. ) For questions, they provided a number which I called. And it was the wrong number. 

In ALL of this Discover bank is claiming their maintenance was " unplanned '' ( weird how they announced an maintenance schedule ), and made it seem like all of this is just some unfortunate series of events over which Discover Bank ( owning all these systems ) has no control. 

100 % of my income comes from SSDI. Discover Bank is effectively limiting me from using funds provided me by the federal government for a living well below the poverty level. 

This is unacceptable on all levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
The company XXXX XXXX a smaller company of Affirm Inc has reported to the credit company XXXX that I owe on an account. The account has been paid in full since XXXX XXXX XXXX and I was never late on payments. The reporting to XXXX dropped my score because it is showing that I owe when I in fact do not. The full amount was {$300.00}. I completed four payments of {$75.00} which was completed as of XX/XX/XXXX. I tried to have this rectified through XXXX which did not happen amd it remains on my credit incorrectly. I also spoke to XXXX XXXX and they confirmed I do not owe anything on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased a car back in 2019 and my interest rate was and still is 8.94 % which, according to XXXX XXXX, is higher than 75 % members with similar credit profiles. I tried refinancing after a year or two but they said it was too late already and that the rate would not have gone down so much. Another instance I had with Wells Fargo is that I opened a checking account with them as a student and they told me I dont need to have a minimum balance but they started charging me money so I closed my account with them. And having a closed account has affected my credit score according to XXXX XXXX as well. 
Also, last XXXX, I made a big payment for my car to try to pay it off faster. I then get a couple of adjustments in the balance and another transaction that said payment reversal - incorrect transactions. So I dont know if they all the money I added was added towards the car or not.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Hi, I'm asking for this help because I'm new to the country. I've been around a year or so and since I knew that when a loan is requested, a hard inquiry is made, I have several and I would like to know if there was a possibility that they could take them away from me since this is causing my credit score is not progressing as I would like. That is why I ask for your guidance and support. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
They call very often, sometimes two times a day. They mirror numbers near me but it changes when they call so I can't identify them. I told them I can't currently pay, I'm in debt that makes me essentially negative every paycheck and I had no money in my bank account every time they called. Each time they said I HAD to pay, and I'd say I don't have money and they said it needed to be paid today or start a payment plan. Last month they told me they'd leave me alone for a while and note that I'm not making extra money I can spend, so they'd give me a chance to call them when I'm better financially, and they still called me several times and got really snippy with me about paying immediately. All for a four year old hospital bill from an emergency XXXX where they injured me further, forced me to stay longer than I needed to, and racked up my bills and my insurance didn't cover it all. At this point I would've taken the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 

In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 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 2023-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
On or about XXXX XXXX, I received notice that some information changed on my credit report from XXXX and XXXX. I immediately contacted XXXX, to see what happened or what was being reported. What is falsely being reported was a new collection account from a business entity as follows : Fair Collections & Outsourcing, AKA ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. Further, the credit report indicated that account was last updated on XX/XX/XXXX in the amount of ( $ XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Dollars. Next, upon review of all three major credit agencies XXXX, XXXX, and XXXX ; I could see this collection account on all three bureaus dated XXXX XXXX. After a little due diligence I was able to locate the phone number for Fair Collections & Outsourcing. I phoned the company at ( XXXX ), and ask to speak to the person in-charge ; I was transferred to XXXX XXXX XXXX This party wouldn't allow me to speak so I just listen to XXXX XXXX, explain to me that this was an attempt to collect a debt and he needed to confirm some information. I told XXXX XXXX, that my rights was being violated under the Fair Credit Reporting Act 15 U.S.C. 1681 a ( f ). I informed XXXX XXXX, that having not made any contact with me directly via us mail, digital or by phone prior to placing this collection on my personal credit ; was a clear violation of the law, and I would be filing a complaint with CFBP and contacting an Attorney, further I stated that Fair Collections & Outsourcing, had to wrong party. XXXX XXXX, said I didn't know what I was talking about and I could do whatever I liked and then hung up. Next, I phoned back got XXXX XXXX, again and Informed him that not only was Fair Collections & Outsourcing, violating my rights but additionally, I wanted to know who was the original client and he refused to answer. Finally, later that evening on XXXX XXXX, a letter arrived at my residence from Fair Collections & Outsourcing, dated XX/XX/XXXX, although the letter was backdated it didn't arrive to me until XX/XX/XXXX. This letter was an " Offer To Satisfy For 20 % ) for a total of $ XXXX. The letter had the correct address but did not bear my correct legal name. I'm filing this complaint today and contacting an Attorney, to have this matter removed immediately from XXXX, XXXX, and XXXX. Fair Collections & Outsourcing ( XXXX ) has engaged in " Debt Parking or Passive Collection '', tactics here. They placed this collection on my consumer credit files first and then mailed a letter. Next, the first contact on this collection ; is me contacting their company. The letter or so called first point of contact is additionally, further violates the FDCPA, in that its a settlement offer ; and does not inform me of my legal rights as required under the law.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
15 U.S.C. 1681 section 602 A. states I have privacy!!!!!! 15U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. Consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in metro 2 software to the other agency to come back verified is not the proper way in law to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: CA

Complaint narrative:
Several weeks ago I began to receive multiple physical and virtual communications from Chime about my new debit card. I've never applied for one. Their portal associated my email with a very old phone number which of course couldn't be used to verify the account and the website then requested a lot of personal information. I contacted Chime via their customer service email address, which is not listed on their website and I had to tweet them to find it, and they said they need my social security number to " close my account ''. I didn't open an account. I don't want to give them my information. I just want them to stop contacting me and/or trying to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: EIC Enterprises
State: TX

Complaint narrative:
XX/XX/XXXX I took out a payday loan for {$200.00} and I just noticed that they are still taking money out of my account. To be clear every two weeks Next Loan takes out {$59.00} since XX/XX/XXXX. I have paid them XXXX as of XX/XX/XXXX and they stated if I pay them off today my payment would be {$250.00}. If I want to keep making payments until XX/XX/XXXX it will still be {$59.00}. This is highway robbery. This means if I pay them to next XX/XX/XXXX I would have paid them {$1.00}, XXXX for {$200.00}. I have never in all my XXXX  years heard of this and how did they come up with a year contract for {$200.00}? Somebody please tell me what is happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I was altered by my identity theft protection through XXXX XXXX  that someone had opened an IKEA VISA card in my name. They ran my credit report. 

comenity capital ikeavc is the alert i received. I have attempted to contact the fraud department at the credit card company without any luck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I received an alert from experience that there was a hard inquiry under my info for Bank XXXX Credit Card XXXX XXXX. 
I did not at any time make this application. Was on hold with XXXX credit card XXXX department for over an hour. No help provided. Just left on hold.

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 2023-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: FL

Complaint narrative:
I am very dissatisfied with my Mortgage Servicing company, Gregory Funding, XXXX. 

I have extensive damage in my home due to a hurricane. It took me 3 years of legal action to get my insurance company to settle out of court for the amount of the repairs. 

The settlement check was cut in the middle of XXXX to my mortgage servicing company and they have yet to pay out any amount of the settlement as they have been instructed to. 

When I or my attorney 's office try to call we are kept on hold for sometimes over an hour. When we email them, we get no response. 

How can a company be allowed to operate like this? The worst part of this, is that we didnt choose to work with this company. Our mortgage was sold to them and they were forced upon us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
In accordance with the fair credit reporting act, XXXX  account number XXXX has violated my rights. 

Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

Statue 15 U.S.C 1681 s. 604A. states, A consumer reporting agency can not furnish a report without the written instructions or concern from the consumer ( myself ). 

Trans Union and XXXX have violated my rights by furnishing my credit file with inaccurate information regarding account XXXX XXXX XXXX. I have verified that Discount does not exist with the listed lender or creditor. This account is fraudulent. I have disputed it several times in the past and it only comes back updated. I deserve the right to an accurate credit file. I have provided proof and documentation of an accuracies that violate my rights. Please remove this in accurate information from my credit file 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 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
M & T bank had a promotion for opening business accounts which enticed me to open online. My account was opened successfully online but I was not given online access, the option to opt-in for paperless statements, or the ability to make an initial deposit. Despite calling the customer support line, no one was able to assist with online access. Weeks later I received a call stating I need to go to a branch to unlock the account - something that was not explained when opening the account online. My daily account value has remained at XXXX without the ability to make deposits making it impossible to qualify for the promotion. I was also charged XXXX dollars for a paper statement which I never had the ability to opt out of. Management has stated that they will not write off the XXXX dollars or allow me to close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
I received an alert from the credit bureau indicating that Vance and Hoffman LLC placed a collection on my report dated XX/XX/2022. The original creditor is XXXX XXXX XXXX. This company was sued in multiple states including the state of FL for illegal and fraudulent loan practices. The court ordered XXXX XXXX to notify all consumers who were affected and to remove negative information from their reports. Additionally, I filed a fraud claim with the credit bureaus a few years ago which resulted in a deletion from my report from XXXX XXXX XXXX. I notified the collection company and indicated that they have the wrong information. I did not receive any correspondence or calls from Vance and Hoffman LLC. I called and requested documents to be sent to me. Vance and Hoffman LLC violated the fair debt practices by not informing me in a timely manner. The representative indicated that XXXX XXXX XXXX removed the balances that were ordered by the court, but she is stating that owe the company money which is incorrect.

Company response to consumer: Closed with explanation