vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX  I received a text notification from my credit card Discover " do you recognize this charge of {$230.00} '' I stated no. I called Discover to find out what this was all about and was told since I declined the text charge not to worry that the charge will not post. A few hours later I log onto my Discover Card web site only to see the {$230.00} charge is pending. I called Discover and was told that 30 min later after I declined the charge the merchant was able to put the charge through again and was successful. I asked why I did not get another text to notify me, the person said sometimes that happens, and now I can dispute this charge. After many months of going back and forth with Discover I was finally credited back {$230.00} until today. XX/XX/XXXX  almost 4 months later the merchant was able to send in information showing my name, address, and that I ordered {$230.00} for one bottle of XXXX XXXX 's. Discover card will not reopen this dispute, and I will have to take it up with the merchant Since XXXX of XXXX, XXXX  I have called this company call XXXX XXXX XXXX XXXX. I was able to stop them from a reoccurring charge of {$230.00} every month and was told they would credit me back {$230.00}. This company told me there is nothing they can do and I need to reach out to my credit card and he hung up on me. 
On XX/XX/XXXX  when I was on face book I did see an advertisement on these XXXX XXXX for weight loss. I did order 1 bottle @ {$39.00}, then when I received the text from Discover I realized this has to be the same company and it's a scam. NEVER have I received 1 bottle. Called Discover 6 times just today and I am told the merchant provider my name, address, but what about the delivery? Discover is sending me all in information to me by way of mail, they will not email to me. Per Discover today I found out this company has another name of " XXXX XXXX  '' with the same phone number as XXXX XXXX, if this isn't a scam I don't know what it! XXXX XXXX has a state of WY, but when calling the phone number provided it's XXXX and the people I have spoken with have really bad broken English so I know they are not within the US. I need help please I am being scammed and per Discover they choose to believe the scammer. Per my Discover statements you can see the credited me then posted the charge 4 months later. From the beginning If I decline a charge Discover had no right to accept the charge a few minutes later, this is bad business on Discover 's part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-01 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: VA

Complaint narrative:
Company improperly utilized reports & reported balances inaccurately

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 2023-12-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX dba Attorney for Glasser and Glasser P.L.C. is attaching me to debt because my name is on the deed of the property. Glasser and Glasser purchased a debt from XXXX XXXX XXXX XXXX and is alleging I owe a debt when I have no contract with Glasser and Glasser P.L.C. Glasser and Glasser was notified multiple times first starting on XX/XX/2023 via Certified mail that there was a billing dispute between XXXX XXXX XXXX XXXX and the person on the Note. 
The multiple notices have been ignored by XXXX XXXX XXXX XXXX dba Attorney and agents of Glasser and Glasser P.L.C. 
The original mortgage has been bifurcated. This is likely due to the closing Attorney, XXXX XXXX XXXX, XXXX, who was assigned by XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX license to practice law was suspended approximately 6 months after our closing due to making false statements on XXXX XXXX matters to XXXX agents. Then, 7 months after that, his license to practice law was revoked for misconduct. A notice has been sent to XXXX XXXX XXXX XXXX and Principal for Glasser and Glasser P.L.C. via Certified mail regarding this matter. 

XXXX XXXX has been noticed of the error at closing via XXXX Mail. 

This complaint is being provided so that XXXX XXXX XXXX XXXX doing business as Attorney and any other agents of Glasser and Glasser P.L.C. CEASE and DESIST collection efforts and threats to foreclose on the property. In addition, Glasser and Glasser and its agents must CEASE and DESIST attaching me to an alleged debt for which I am not responsible. 
Glasser and Glasser has been notified via Registered Mail that this debt has been discharged per the original note holder. 
Notices to XXXX XXXX XXXX XXXX have been ignored and now he is threatening to foreclose on this property using deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX : notified credit card company to inquire why they reduced my credit line without notifying me. They did mot answer.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
There is a charge off on my credit report from NMAC Whenever a company list an account as a charge off on your credit report theyre claiming that theyve ran off the balance as a total loss so now they have to report to the IRS & send me a 1099 for the balance that they wrote off that they say I owe So being that the account is ran as a charge off, but I never received any of the1099 cancellation of debt form the account is inaccurate and has to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: TX

Complaint narrative:
In accordance with the fair Credit reporting act ( XXXX XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX  XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXXXXXX Bankruptcy Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX Account # XXXX ) ( XXXX  Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX  Account # XXXX ) ( XXXX XXXX Accounts # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Accounts # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-12-01 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: CA

Complaint narrative:
I have already sent a letter to the Experian bureau requesting the removal of the inquiries and inaccurate addresses reporting on my credit file but the inquiries and inaccurate addresses listed below are still reporting on my credit report and are violating Federal Law. XXXX XXXX failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and continues to report unconfirmed information. They should remove these inquiries and inaccurate addresses completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Company was part of a ransomware hack in early XXXX. as of XX/XX/XXXX, they have yet to communicate to their customers that this happened. I had to find out through chat boards of this event when XXXX why i couldnt log into my account or why the site was done. the company sent an email XX/XX/XXXX that the site was back up and running. for the last two days, it has contstant error messages and you can not navigate anywhere. It shows that i made a payment ( when i never did or got a confirmation ) and when you call the customer service line, they have it turned off so that you can not communicate with anyone. I have had to call my bank and put a block on lakeview from withdrawing any money as i dont know how many times they will deduct funds since while trying to pay, the site kept crashing. You would think a company would reach out and tell its customers that their personal information is now all over the internet but no, they want to remain silent and then make it impossible for us to pay our bill.

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 2023-12-01 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: NV

Complaint narrative:
I have repeatedly emphasized the urgency of this matter. I am fully prepared to take decisive action. Given the lack of progress or any positive developments, I am left with no alternative but to escalate this case to arbitration. Despite my previous efforts to address this dispute, no resolution has been reached. The entire extent of my grievances remains unresolved. The investigation, which was supposed to be completed within 30 days according to the law, actually took 60 days. This delay is unacceptable, as anything beyond the mandated timeframe necessitates removal. I have already reached out to the XXXX XXXX XXXX, indicating my readiness to pursue arbitration against all relevant parties for the damages incurred.. Regrettably, I am unable to relocate due to the companies ' unlawful reporting of consumer credit transactions, which flagrantly violate my consumer rights, privacy, and consumer law. I am actively engaging with the state legislator regarding this issue. Despite my attempts to resolve the matter with all three credit reporting agencies, who continue to report these illegal consumer credit transactions, I am left with no choice but to initiate arbitration proceedings to seek compensation for the damages inflicted. I am seeking {$25000.00} for each damage caused to ensure the safety and well-being of myself and my children. The distressing nature of this situation has compelled me to seek counseling and various forms of assistance. It is imperative that these erroneous late payments be expeditiously removed from my records. 
These account are reporting fraud does not belong to me.

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 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: KY

Complaint narrative:
My mortgage is serviced with Lakeview by XXXX. Their website will not allow payments and when I call their number to pay over the phone the automated system disconnects the call. My concern is now that I am unable to make a payment that I will be charged additional interest since my payment wont be credited on the date I wanted to make a payment.

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 2023-12-01 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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 am writing to dispute information on my credit report that I believe is inaccurate. I have not received any 1099-C Cancellation of Debt letters regarding these following accounts : XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX Given the absence of these 1099-C Cancellation of Debt letters, I firmly believe that the reporting of these charge-offs is inaccurate. According to the FCRA, I have the right to dispute incomplete or inaccurate information. I request that these charge-off accounts be removed from my credit report as they do not reflect a complete and accurate credit history. 

I appreciate your attention to this matter and expect a prompt response. Please investigate these discrepancies and update my credit report accordingly.

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 2023-12-01 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: PA

Complaint narrative:
I have previously submitted a notarized letter to Experian, disputing several addresses listed on my credit report. Despite providing notarized documentation, these addresses have not been removed. One address is associated with identity theft, and the others I do not recognize. This is a direct violation of the Fair Credit Reporting Act, specifically Section 605B, which necessitates action within four days for identity theft-related inaccuracies. The agency 's failure to act is causing significant financial harm and may lead to further instances of fraud.

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 2023-12-01 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have been carrying a credit card XXXX XXXX from Wells Fargo. Since I travel Overseas a lot and have sporadic times where I can only use my international credit cards, Wells Fargo banker told me that I can always use my XXXX XXXX rewards and transfer to accounts as needed if I have no or less use of Wells Fargo local ( within XXXX only ) credit card. My card service made no attempt to call me or email me and sent a letter which is non certified and misplaced by my local post office which asked me to use card otherwise it will be cancelled. I was traveling at that time so upon my return I have been communicating with Wells Fargo multiple times. The rewards dept told me around {$250.00} reward is on hold and it can be transferred to another existing credit card or account within Wells Fargo. But when I approached their escalation team through XXXX XXXX XXXX  they have been continuously refusing my request to Retrieve my hard earned reward $ and transfer this to my existing Wells Fargo credit card which I have applied and got immediate access to, during all these futile Communication with Wells Fargo bank so that they can easily transfer my help up rewards point from my closed card to my existing credit card. But the customer service is absolutely heedless to hear my concerns/fails to communicate and unethically forfeited my rewards without any effective electronic communication although they have my email, valid phone numbers on the file!!! Pls help ASAP to help retrieve my rewards funding on hold for transferring to my Existing Wells Fargo rewards card. Most banks issue a check for accumulated rewards but this bank did not honor my banking and card using relationship and unethically closed my card, forcefully forfeiting my well earned rewards! Pls help.

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 2023-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: YSA ARM LLC DBA Oxygen XL
State: FL

Complaint narrative:
I received a letter which contains a website that doesn't work. they reference a charge by XXXX XXXX XXXX XXXX # XXXX. I looked up the citation with XXXX XXXX XXXX and that citation belongs to a car that I don't own or have ever owned. attached is the screenshot for the citation. if this is truly my citation I need copies of the original document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly review the enclosed files. I request the bureau to initiate an inquiry into these accounts. Despite my consistent punctuality, they are incorrectly documenting me as late.

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 2023-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I outreached the student loan serving company and applied for forgiveness and was unable to get balance information, transfer of debt and regarding if approval was granted. 

There is a discrepancy in loan payment, loan amount and balance. I was also wrongly denied for student loan discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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