vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: FL

Complaint narrative:
I recently did a balance transfer from a XXXX account to my Discover Card in XX/XX/2023. The Discover Card had no balance before the transfer but I previously had setup automatic payments to pay in full. At the time of transfer, I had not changed the automatice payment from full to minimum payments. As a result, the full amount was paid and my account was overdrawn. I called Discover who suggested I call XXXX to stop payment. We called and did stop payment. For the month of XXXX, I setup a automatic minimum payment going forward. I called Discover and confirmed that I had setup the account correctly. I also asked the representative if this payment would put the account status back in good order. They told me yes. A few weeks later I got an alert on my credit report of a delinquent account and my score was reduced by XXXX points. This took my credit from very good to poor. I called Discover and spoke with a XXXX specialist who was going to listen to the calls and get back with me in a few days. It's been about three weeks and I haven't gotten a call back. I've been calling every week and when I call they say someone will reach out to me. I'm XXXX XXXX XXXX and have never missed a payment in my life. I've been a long time custmer of Discover. I never got a phone call or mail from Discover telling me there were any issues with my account prior to their credit reporting. And when I called to inquire I was told everything was fine. I called again today and was told I needed to make an additional payment or my account would be flagged for being late 90 days. I've been calling for three weeks about this account and this is the first time anyone mentioned an additional payment. What is going on? I made the additional payment. And again I was told someone would be reaching out to me after they listened to the recording. I've been told this for over two weeks now. Meanwhile my credit is ruined and Discover won't address my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was paying the Annual fee for XXXX On Behalf of a family member from my Fifth-Third debit card. The family member Died and I wanted to CANCEL the payments to XXXX who told me that without email access to the XXXX  account there wasn't any way the payment method could be RemovedStopped, so I must dispute the charges with my bank ( see attached email-unfortunately XXXX did not send me a transcript of my " online chat '' ) I filed a Dispute with Fifth-Third bank Case # XXXX XXXX XXXX. They responded that they could NOT refund the debited amount because according to Fifth-Third the request was not submitted in a 'timely manor ' although I submitted the dispute as soon as I saw it on my account and XXXX  had been notified ( Since nobody has access to the deceased persons account the billing can NOT be cancelled according to XXXX ) then I spoke with the Fifth-Third disputes department via telephone and they stated they could NOT stop future debits on my account from XXXX  from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX and credit reporting agency are refusing to adhere to FCRA and the FTC guidelines and regulations. My personal information that was used to establish unauthorized accounts by my alleged ex is the same information that is being used to verify accounts not opened by myself. 

Please refer to FTC Theft Report.

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 2023-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: RI

Complaint narrative:
Mohela is servicing my loan. For some reason, when taking payments into account for debt forgiveness, they have neglected to include the years XXXX. I have been calling them since XXXX to get this remedied and I am always told by the customer service representative that they have no idea why those years weren't included and that they definitely should be included. They are not listed as eligible or ineligible payments, they are just missing years of my payments altogether. I have been told that the issue is under review and will be resolved in 5-10 business days. I have been told that for 5 months. I do not believe that they plan on remedying the situation at this point. I have called on XXXX separate occasions. In addition, I have been at the same job the entire time and have submitted paperwork to show that. If payments counted in the other years, there is no reason why they wouldn't count in those years as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, 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:
Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

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.

has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

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.

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-08-07 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: CarMax, Inc.
State: IL

Complaint narrative:
This are the Inquires i found on my credit score after receiving my score, i did not consent this Inquires. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARMAX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
This are the Inquires i found on my credit score after receiving my score, i did not consent this Inquires. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX SYNCB Sales Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2023-08-07 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax mixed my Report with someone else. 

Wrong name on report ( I keep disputing and they take it off only to place it back on my report ) I sent them a copy of my Drivers License and Social Security Card. Still adding and removing them adding wrong name. 

Wrong Social Security Number Asked them to investigate and remove inquires I did not authorize. They refuse and keep sending me some generic response an hour later saying that they can not remove inquiries They are in violation of FCRA XXXXection 623 and Regulation V and FCRA 611. I have disputed 2 times with same generic response which tells me they are not investigating. Failure to Investigate another violation of the FCRA Section 1681s-2 ( b ) ( 1 ). 

I have also sent them a letter disputing several accounts that are not mine and part of an identity theft case I have with FTC. 

I have called several times only to get looped around to customer service who gives me fake names and fake employee numbers and when I follow up they wont transfer me to special handling or anybody in fraud. This morning somebody told me that they were in fraud after they told me that they were selling a product then when I asked to speak to special handling they refused to transfer me. Spoke with XXXX # XXXX and XXXX XXXX. 

The inquiries I did not authorize are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On The accounts that are not mine and part of the identity theft case are : XXXXXXXX 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 I have uploaded my tracking and mailing where it shows that a representative from Equifax received the documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: AR

Complaint narrative:
My mortgage from XXXX XXXX was sold to Planet Home Lending without my knowledge. I received a letter predated for XXXX but did not receive until XXXX. I had tried to stop the auto pay but even though PHL verified through emails that they had received the request and 2 of the PHL agents acknowledged that the auto payment would be stopped, it was not. I stopped payment until I could get the transfer information. Even though I have 60 days from XX/XX/XXXX to review and make any payments, PHL has sent threatening letters to me. The customer service agents speak with such a heavy accent I can not understand ( please listen to the recordings for XXXX. I have the initial letter dated XXXX but did not receive until XXXX. The biggest complaints entail the lack of customer courtesy that PHL did not send notification in a timely manner of the change of Mortgagers which caused major confusing coupled with the inadequate knowledge of my account along with the lack of adequate customer service. All these things could have been avoid with a adequate notice and knowledgeable customer service. I would also like to know my options for suing PLH for the threatening letters sent to me. XXXX XXXX, XXXX. Can furnish documentation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.

Complaint narrative:
I hadba Torrid credit card and it was stolen and had racked up new charges I did not do. I paid some I did but I haven't used or had card in my possession for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Back in XXXX or XXXX I was approved for an extension on my loan to bring my loan current. However, as of today the loan has still went through system updates. I have called several times over the last few weeks very XXXX and everyone says they see the extension and that they will escalate. However nothing has been completed. This has made my health go backwards. I deal with XXXX and XXXX. And I have been sick for the last weeks trying to deal with this stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2023 I went to my Chase bank and withdraw the XXXX dollars for my bills. By XX/XX/XXXX I begin to get really ill having low energy in complicated to breathe. On XX/XX/XXXX Ive had the same symptoms but it worsen so I decided to take a XXXX  test which tested positive so I decided to go to the ER ( XXXX XXXX XXXX ) I was there for several hours where they gave me an x-ray and another Covid test that tested negative, but sent me home with an XXXX XXXX  and some medicine XXXX XXXX XXXX XXXX XXXX. I was also told to get plenty of rest by the doctor I didnt leave the hospital until XXXX or XXXX XXXX  the next morning XXXX XXXX it wasnt until XX/XX/XXXX. I received a email stating I had low funds in my account so I check my account and realize that over {$3100.00} was gone and I instantly begin to call Chase customer service, which they connect me to, another department that handles fraud after speaking to a rep they reassured me that I will be getting my funds back and that this will go under investigation. I received all of my money back but by XX/XX/XXXX I got another email stating that my account was negative {$3100.00} so i call customer service for the second time and they connect me with fraud department again and thats when I was told that their investigation concluded that I was a responsible for my missing monies. After further speaking with the agent, he told me what I needed to do in order to overturn their decision, which was to get document stating my whereabouts on certain dates, these dates are supposedly the days that someone withdraw money out of my account. However, they never gave me a XXXX XXXX for these dates. They just gave me the days. So two days out of the several that was given to me I actually provided paperwork showing I was in the ER. I provided that paperwork on XXXX XXXX and by XXXX of XXXX I called to see was there any updates on the investigation and thats when I was told that I needed something more specific, more like a doctors note stating the day and time I was at the hospital. I really didnt understand that because for one, Im not sure if a doctor would even give me a note and two if he was to then itll be the exact same thing that was already on my discharge papers so I explained that to the rep and in but so many words they told me I wasnt getting my money back so now thats why im submitting a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-08-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2023 I was served papers from XXXXXXXX XXXX XXXX XXXX regarding a lawsuit in the county I live in. I contacted them and began making payments and have continued to make payments. I have requested multiple times information about the lawsuit and received nothing. In XXXX i received a letter from a Resurgent Capital Services about the account I am being sued for and I have reached out to them multiple times for information but have gotten nothing since XXXX of this year. I have continued to send payments to XXXXXXXX XXXX XXXX XXXX XXXX XXXX but not received anything from them either and I have tried multiple times to contact their office via phone but no one ever answers even if I try different options on their phone system that doesn't pertain to me. 

My questions are : Am I still getting sued? Am I sending payments to someone falsely representing my debt?

Company response to consumer: Closed with explanation