vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Bank XXXX XXXX AAA credit card was taken over by Comenity Capital Bank in XX/XX/XXXX. At the time my account had a credit of {$130.00} ( attachment page 1, 2 ). A check of {$130.00} dated XX/XX/XXXX was issued ( attachment page 3 ).

Unfortunately, due to postal delay, I did not receive this check until XX/XX/XXXX. I went to XXXX XXXX XXXX and they told me that this check has past its validity of 120 days, I needed to request Comenity Capital Bank to re-issue a check. 
I wrote, explained the situation and attached copies of the credit card statements along with the invalid, in-cashable check. They replied and promised to investigate ( attachment page 4 ). 
Comenity Capital Bank replied on XX/XX/XXXX ( attachment page 5 ). They declined to re-issue the check and stated the purchase was paid in full at the time. I wrote to Comenity Capital Bank and explain that it is not about a disputed purchase, it is a check past its validity date. I asked again for a new check. 
To this date, I have not had a reply. 
Please help me to remedy the situation. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Good Morning, I have had account with PenFed Credit Union for quite some time. I opened a personal loan with PenFed in XX/XX/XXXX  for {$20000.00}. The outstanding balance is {$17000.00}. Since the beginning of this loan, I have made payments on the loan from my primary checking account ( XXXX XXXX ). Within their system, there has always been an option to click " Make a Payment '' then select the external account that you would like to use to make the payment. I have a credit card and two loan accounts with PenFed. The pay from my XXXX XXXX account option still remains there for my Credit Card. However, when I attempt to pay ( either from the app, or by logging into the website ) the option is no longer there. It does say to add an external account. So I go through the steps to add an external account, and at the end, it says that the account is already connect. However, it doesn't appear, or let me use it to pay. 
When I called in the first time, they advised there was an issue and they would enter a ticket for it. Today I called in and told them I still am unable to pay. The representative offered to process a payment over the phone. I agreed and the payment was processed. However, I told her that I do not want any late fees or negative reporting because your system would not allow me to pay. She laughed and said no you will still get the fees and negative reporting. 
There is a level of responsibility that a lending institution must have, when it comes to the products that they offer. If I called in and advised them of the program, that they refuse to fix it, that is a level of dissatisfaction that I am not happy with. 
I am not trying to not pay a loan at all, remember I am the one that called in today. I just do not think it is fair to receive any penalty or adverse reporting when their system is broken and will not allow me to pay.

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 2023-12-14 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: FL

Complaint narrative:
I disputed these accounts that dont belong to me in XXXX of XXXX  and i was looking at my credit report today XX/XX/XXXX and i saw the accounts that dont belong to me dating back to XXXX  are still on my credit report. I did not do it and i didnt benefit from it. Please block and delete these accounts that i never signed up for. this is causing me to not have a place to live. i am currently living in a shelter waiting to get this resolved. thank you

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 2023-12-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
Paid all of the property taxes for the 2023. Asked for a refund of the money in the escrow account intended for tax payments. Didn't get a refund or my monthly mortgage payments adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: IL

Complaint narrative:
On or about XX/XX/XXXX, I reached out to CMG Mortgage regarding a late notice I received from the county stating my property taxes were past due. My taxes are paid in escrow. After speaking with XXXX in the escalation department, he stated that I did not inform them of a PIN # change. I was never made aware of a PIN change. I went to the tax assessors office and was told the PIN number has changed. However, it is still tied to the original PIN number on my closing documents. The rep also informed me that if the mortgage company had paid, funds would still be applied. I learned the taxes were only paid once since we closed on the condo XX/XX/XXXX. After speaking with XXXX, XXXX and XXXX all on separate occasions, I was informed there was nothing they could do. I explained I received a check in the amount of {$3600.00} in XXXX stating there was an overage in my escrow account. Funds have since be advanced to the county. The mortgage company has stated I am responsible for the late fees assessed by the county. I think the mortgage company is responsible for the late fees as they did not pay on time. In addition to all of this, CMG has increased my mortgage payment from {$1600.00} to {$2900.00} per month, which I am unable to afford. CMG should not be absolved from this mistake. Lastly, I've made several calls since to speak to a manager/supervisor and am continuously told there is not one available. Or, I call, they'll put me on hold and then hang up. My next recourse is to consult an attorney. Any help you're able to provide is greatly appreciated. Kind Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: MO

Complaint narrative:
Principals rights were violated by XXXX XXXX XXXX in conjunction with XXXX, TranUnion, XXXX per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. Information was reinserted on principal consumer report this erroneous tortuous act took effect on XX/XX/ in the amount {$720.00}.

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 2023-12-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed these account for the last three months. Literally nothing has been updated. I have attached a XXXX bureau credit report table showing all of the errors in my credit report. These accounts are filled with errors and need to be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time but they are inaccurately reported as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
NOTICED ERRORS ON CONSUMER REPORT AND MADE CREDIT COLLECTION SERV ( A 3RD PARTY DEBT COLLECTOR ) AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND OR VILOLATIONS AS IT PERTAINS TO FDCPA, FCRA, CFPB AND PUBLIC LAWS AND 3RD PARTY DEBT COLLECTION. 

1. CREDIT COLLECTION SERV, WAS SENT A NOTICE OF ERRORS AND VIOALTIONS AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT THAT I HAVE NO AGREEMENT OR CONTRACTUAL OBLIGATION WITH THEM 3. ALLEGED DEBT WAS CHARGED OFF BY ORGINAGINAL ALLEGED CREDITOR XXXX XXXXL 3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR 4, THEY HAVE 3 ACCOUNTS REPORTING ON MY CONSUMER CREDIT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
I spoke with manager XXXX not sure of the last name. 
I first requested a 1099 form i was advised to request online. 
I then requested an original contract & agreement my question was never answered, i kept being ignored before XXXX hung up on me 3x. 

Company is refusing to send me and documents associated with me, my account, name, securities etc.

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 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Continental Services Group, Inc. d/b/a ConServe
State: MD

Complaint narrative:
I was contact by Conserv XXXX ( a governement debt collection agency ) regarding a housing and tuition debt through the VA. The women ( XXXX ) on the phone contacted me at my place of employment and kept saying she was calling on behalf of the United States Treasury Department. She repeated the name several times in an attempt to scare me. She used a very stern voice as she repeated " The United States Treasury Dept '' many times. I explained to her that I was going through a divorce and was a victim of XXXX  XXXX and I was trying to get my affairs in order. I asked her if there were any hardship programs or anything available to me to help resolve this isse. She said no that I was beyond that point and needed to set up a payment plan immediately. She updated my monthly income and monthly expenses. After doing so she offered me a payment plan at over {$900.00} a month for 24 months. I told her that was completely unaffordable, she then said the longest she could go is 36 months for $ XXXX a month. I told her that was still unaffordable. She said that's the best she could do. I told her I couldn't start making payment until XX/XX/XXXX and she insisted I start on XX/XX/XXXX. After I told her I couldn't commit to that she said ok that the calls collection action would continue. After she got coerced the information out of me and was closing the call her tone of voice was completely different and even friendly. 

The issue I have with this is she seemed as though she was trying to impersonate some sort of collector from the US Govnernment becuase she kept saying " US department of Treasury during the call, the plan she offered DID NOT taking any of my shelter, utitilities or food costs into consideration and I felt completely scammed after dealing with her because of the sense of urgency she tried to set. After doing research to see if they were a legit company I see they pride themselves in being the # 1 in getting results. That's because they use deceptive practices to con people into commiting to something that isn't feasable in an attempt to meet their collection numbers. She did not help me come up with any kind of plan that would help me resolve this debt taking into consideration my living expenses. I also see where the department of treasury goes longer than 36 months for payment plans after she told me she would check with her " manager '' then comes back on the phone to say no they don't go longer. If they company did this to me then they are certainly using scare tactics on other people. Not only did they call to collect balance due which I understand I'm responsible for and want to make good, they tacked on over {$8000.00} in " admin '' fees. 
I'm obviously struggling with the actual debt but then adding the admin fees on top doubled the amount I owed and made the payment plan unaffordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: PA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX Account Number : XXXX I didn't provide permission for this account to be reporting to my credit report please remove or i will seek legal compensation 3. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 4. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 5. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 7. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 9. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 10. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 11. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 12. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are numerous unauthorizes inquiries on my credit report. I requested to delete them 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 2023-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
Cant get ahold of anybody I have made 3 payments and they have reversed them for some reason stating they cant find my account number one of my XXXX dollar payments went thru so I know they know my account number but yet they still say Im past due on my payments. MOHELA is the worst serving company ever I have tried calling, messaging nothing no answer cant get thru to a real person.. even emailed them sent back undeliverable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/, I went to Old Navy at the XXXX XXXX XXXX in XXXX New York ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX : XXXX. After purchasing some clothing, the clerk suggested I sign up for an Old Navyist Rewards Card. I did so, and was told that Id receive the card in the mail the following week. 

On XX/XX/2022, I received an email from Old Navy notifying me that my card ending in # XXXX had been activated. I was confused, as I had never received the card. I then received an email from Old Navy 4 days later stating that the activity on my account might be related to fraud. I immediately contacted Old Navy concerning the matter. 

Apparently, an individual or individuals in the State of Georgia had purchased merchandise totaling {$7500.00} on XX/XX/2022, the same day that I had received the email from Old Navy stating that my card ending in # XXXX had been activated. 

Following this incident of fraud, the XXXX XXXX XXXX XXXX sent a letter asking to collect the debt. Even after I explained it was fraud, they told me all they could do is lower the amount to pay. Since I refused, they told me there was nothing I could do I want to have this form fraud off of my name and be addressed ASAP

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 2023-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered through our mortgage loan back ground check that I had a late payment in XXXX XXXX XXXX that says I was 90 days late on payment. The status of my school loans has always been current and doesn't make any sense why in XXXX XXXX XXXX I was 90 days late when the XXXX month shows current and XXXX as well. My score in XXXX of XXXX  was XXXX and the mortgage lender is suggesting that the XXXX XXXXate payment was added recently. But I have never missed a payment. I contacted XXXX who has the loans and they said to contact XXXX XXXX XXXXXXXX which had my loans before. I never moved to XXXX that was done automatically by the gov.

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 2023-12-14 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: MOHELA
State: CA

Complaint narrative:
I discovered through our mortgage loan back ground check that I had a late payment in XXXX of XXXX that says I was 90 days late on payment. The status of my school loans has always been current and doesn't make any sense why in XXXX of XXXX I was 90 days late when the XXXX month shows current and XXXX as well. My score in XXXX of XXXX was XXXX and the mortgage lender is suggesting that the XXXX late payment was added recently. But I have never missed a payment. I contacted XXXX who has the loans and they said to contact Fed Loan Servicing which had my loans before. I never moved to XXXX that was done automatically by the gov.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation