vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: DE

Complaint narrative:
I have an issue with Discover ; over the past three years, I have been experiencing severe medical problems. I was late on payments, and they suspended my account. I was advised in XX/XX/2022 that if I make continuous payments, they may restore my charging abilities. Discover did inform me that this is not a guarantee. So, I have called a few times regarding this and received the same scripted response. Recently, I called willing to pay off the total balance owed and still received the same response. I was also advised there is a closure date on my account and charge off date for not making payments timely. I take responsibility for that. The issue I am having is that Discover cant provide me a date when I can have my charging privileges restored, but they want me to keep making payments. I have spoken to people who work directly for Discover, and I have seen the physical policy and feel its a deceptive policy. Discover is giving the hopes of their customers to get their prices restored but never intended to restore privileges. They are giving false hopes and expect people to pay these balances, and then their misleading policy says we will review other accounts to see if we can have our card back on. I feel this is a bait and switch ; we will never turn your card back on regardless of whether the payments are made on time again, and the balances are low. Based on my training, this seems to me like a deceptive act to get money but never provide the services that are promised. We may restore services, and if they have no intentions of restoring services, they should disclose this to customers. Again, I have physically seen an account with Discover locked for over two years because of their credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: NV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CO

Complaint narrative:
I am a new VA employee enrolling in the federal education debt repayment plan ( EDRP ) for my medical school loans. To enroll, I need my loan servicer ( EdFinancial ) to complete form VA XXXX in a 120 day deadline. This type of request is not an option for uploading documents to their portal. I sent multiple portal requests at the end of XXXX for how to complete this and they did not respond for over two months. When I responded to their message, no one replied. In XXXX and XXXX, I called multiple times to see if they could provide me instructions. They said that they can't help me over the phone and recommended I mail the form. I mailed it and two months later have still received no response or assistance and I have a deadline to complete this form for the EDRP. I called again today and they had no idea if my form had been received. The said " it's hit or miss to mail things '' even though that is what they instructed me to do. They had me upload the form under " military orders '' as no option fits my request ( even though I am not a member of the military ). I am coming up on my deadline and they are not sure when they will have my form completed ( they said hopefully XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Consumer reports list a hard inquiry for Barclays Bank Delaware dated XX/XX/. No disclosures were provided to inform of this hard inquiry.

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 2023-12-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
A hard inquiry by CAPITALONE dated XX/XX/22 appears on consumer reporting agencies reports. No disclosures were given for this hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I am reaching out to address an urgent matter within your department that requires prompt resolution. My records indicate that your agency has placed the account associated with XXXX into Collection. I am seeking clarification on the validity of this debt and kindly request that you comply with the necessary requirements outlined on my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have attempted several times to get this company to comply with ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; They are refusing to lawfully comply which is also a violation of The Privacy Act of 1974, as amended, 5 U.S.C. 552a, which establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. Click here to see a list of DOJ systems of records and their Federal Register citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.16 CFR 313.7 - Form of opt-out notice to consumers ; opt-out methods. ( f ) Continuing right to opt-out. A consumer may exercise the right to opt-out at any time. They are also in violation of my copyrighted name and are now committing identity theft by me opting out and not having my express written consent and authourization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have attempted several times to get this company to comply with ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; They are refusing to lawfully comply which is also a violation of The Privacy Act of 1974, as amended, 5 U.S.C. 552a, which establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. Click here to see a list of DOJ systems of records and their Federal Register citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.16 CFR 313.7 - Form of opt-out notice to consumers ; opt-out methods. ( f ) Continuing right to opt-out. A consumer may exercise the right to opt-out at any time. They are also in violation of my copyrighted name and are now committing identity theft by me opting out and not having my express written consent and authourization.

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CT

Complaint narrative:
My credit score went down XXXX points within 30 days in XX/XX/2023  due to Nelnet reporting that I missed a payment which negatively affected my credit score significantly. This was not true. My original first payment date for Nelnet student loan repayment was XX/XX/2023. However at the beginning of XX/XX/2023  I applied for a Extended Standard Repayment plan and Nelnet was taking time to process the change of plans and notified me that my NEW first payment date for repayment will be XX/XX/2023. 

That is when I was notified on XX/XX/2023 that my credit score dropped XXXX points due to the " missed payment '' on my student loans with Nelnet. Nelnet INCORRECTLY reported this to the credit bureau and I would like for this to be amended and my score to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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:
I have a right to privacy. Transunion and XXXX are in violation of XXXX  XXXX XXXX XXXX { Fraudulent use or possession of Identifying Information } and XXXX  XXXX XXXX XXXX { Exploitation of XXXX, XXXX  Individual, or XXXX Individual } Transunion has published on my consumer report that I owe XXXX  {$3.00} a said amount both TransUnion and XXXX  are in violation of these state statutes. And they are in violation of 15 USC 6802 Obligations with respect to disclosure of personal information. Section b which gives the consumer the right to opt out

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 2023-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Client Services, Inc.
State: MO

Complaint narrative:
Harassing calls about a court case and fictitious legal action against me. Called my father on XX/XX/2023 and told him I missed a court date and have a trial coming up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
They refused to take payment I've been calling for XXXX yr XXXX months. And I have been disputing it every month. They sent it to a law firm in which sent it back to them. They refused to send me a letter describing why they have taken such action. And there is no resolving this with them. They are out of XXXX and don't have to abide by any law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: FL

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 Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2023-12-28 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:
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 NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2023-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: WV

Complaint narrative:
Last XXXX ( XXXX ), it was noticed that our mortgage payment increased by {$340.00} without increase in taxes or insurance. I quickly realized Cross Country Mortgage was paying our full tax amount twice per year instead of correctly paying our half tax amount. This took months to fix and several escrow analysis statements were incorrect ( making the same error ). I tried to resolve this without a complaint but they kept incorrectly calculating our escrow analysis despite having a letter from our assessor. Finally, after a complaint through CFPB the issue was fixed and everything went smoothly until the end of the year. 
Recently, upon logging into my CCM account I noticed XXXX tax payments scheduled to come out of escrow in XXXX of XXXX. The XXXX  amount is XXXX for Tax ID number XXXX. The XXXX  amount is XXXX for Tax ID number XXXX. The XXXX is not our property. It is our neighbor 's. This was double checked on the district parcel map and is associated with our neighbor 's name. All of our land is included on the same tax ticket. The tax ticket was provided to CCM in a notice of error I sent on XX/XX/XXXX. It states our half tax amount due is the XXXX and nothing else. In the middle of all of this, I get notice that our servicer is changing. I gave CCM time to fix this and called in to see if it was fixed before transferring to the new servicer. I was told that as of XX/XX/XXXX it was updated and that both of those were indeed our property. However, they aren't. The lady I spoke with further looked into the account and noticed that in XXXX of XXXX they even received a letter from our assessor noting that the XXXX was not our property. XXXX & XXXX is our property that is on the same tax ticket. There is not an additional tax ticket. There is not anymore taxes that should be coming out in XXXX other than the XXXX. However, CCM failed to get it right again. I was told I would get a response from the research department soon but every single year we are coming up with the same issue. It needs resolved completely, especially before another escrow analysis is conducted for the upcoming year falsely showing our mortgage payment to reflect us paying our taxes and our neighbor 's taxes ( which is not ours ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a new CD account on-line. It was declined, and I was told there would be an email with an explanation. The email had no explanation. I called customer service, and was not given an explanation, either. I was told there was simply no way to open an account, and no way that I could find out the reason.

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: TN

Complaint narrative:
Ive received my dispute results from XXXX and I noticed that they removed my positive account bearing the same account number as the negative ( XXXX )? Why not delete both? If one account is inaccurate/unverified, so is the other? Ive attached my account ( the only one I have ) from XXXX and XXXX showing that I only have one account and its positive! Ive also attached a copy of the denial letter I received due to the inaccurate and unverified reporting from XXXX. My ask is simple, please delete world finance co from my report? This account is damaging my credibility, reputation, and screaming defamation! Mistake happened, lets just fix it, thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I paid in full credit card with XXXX with Capitol One on XX/XX/XXXX from checking account ending XXXX to credit card ending in XXXX of {$5300.00}. My confirmation number from Capitol One ... XXXX. payment was due by XX/XX/XXXX. I called customer service at Capitol One when I noticed they tacked on a finance charge of {$44.00}. The female representative refused to credit finance charge or acknowledge I paid off my entire credit card balance! I request finance charge to be removed and letter sent or email reflecting no further monies due from Capitol One to me XXXX XXXX.

Company response to consumer: Closed with explanation