vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: OK

Complaint narrative:
I am writing this to express serious concerns regarding Discover Card 's payment processing practices, which appear to be designed to generate excessive fees at the expense of cardholders. The American public. 
Specifically, there is evidence suggesting a pattern of delayed withdrawals from consumer accounts, resulting in " returned check charges '' of {$30.00} per transaction. This practice raises several troubling concerns : Financial Hardship : Delaying withdrawals can create a false sense of available funds, leading to inadvertent overdrafts and financial strain for cardholders. 
Inconsistent Withdrawal Periods : The absence of a predictable withdrawal schedule further compounds the issue, making it challenging for consumers to manage their finances accurately. 
Deceptive Fee Reversals : While Discover may reverse these fees upon request, there are reports of them reappearing on subsequent statements, indicating a lack of transparency and potentially deceptive practices. 
These concerns collectively suggest a pattern of behavior that prioritizes fee generation over consumer financial well-being. Such practices are not only harmful to consumers, but also raise questions about Discover 's compliance with ethical business standards and consumer protection regulations. 
I urge you to investigate these matters thoroughly and take appropriate action to protect consumers & the American public from unfair and potentially predatory practices by multibillion dollar multinational corporations. 
Thank you for your time & for all you do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: OR

Complaint narrative:
On XX/XX/XXXX I received an email from Jefferson Capitol Systems claiming I have debt with sprint. I do not and have won the disputes with the prior 3 companies that tried to collect on this debt. The last time I won a dispute was over XXXX  years ago. There is XXXX reason this debt should be continuing to be sold to other debt collectors. I responded immediately notifying that my name is not XXXX XXXX ( my name change went through in XXXX ) and to not contact me via email, phone or mail. I then get contacted by my bio parents last week that they got a letter for me that was sent to their address. I moved out of their house before opening an account with sprint. The letter is dated XX/XX/XXXX. This is not only a violation of my no contact request but also harassing my relatives which is also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: PA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-01-20 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: PA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
Received a text message from collection agency Hunter Warfield on XX/XX/XXXX that stated regarding XXXX XXXX. Was sent a number to call XXXX. Called the number and was asked was I ...... I stated " no '' " I don't have a middle initial of J ''. Was then asked was the last 4 of my SSN .... and was my DOB ... ... .., I verified yes. Then the representative stated that I owed a debt of XXXX for XXXX XXXX. I then stated that I was a victim of identity theft since XXXX and asked that the information be sent to my email. I received an email today XX/XX/XXXX with the information needed to send back to them due to reporting fraudent activity for this account. I immediately reported it to my U.S. State attorney that i'm registered with under the Department of Justice and to the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: TX

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. 

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 non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
ELEVATE RECOVERIES LLC- XXXX  XXXX XXXX XXXX ( XXXX ). I have disputed this transaction with the company because I at the time had Medicaid insurance. They still billed me a bill. I am needing of this to be resolved and taken off my credit account please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Dear Mr. Cooper, I am writing to express my frustration and disappointment regarding the ongoing issues I have been experiencing with your company in regards to our application to assume a VA home loan. I would like to provide a detailed account of what has transpired thus far, in the hopes that it will help resolve the situation. 

The initial communication regarding this matter took place on XX/XX/XXXX, when my husband submitted all the required documents and information as requested for the VA home loan assumption. Following this, he continued to provide clarification and additional information via email on XX/XX/XXXX, and again on XX/XX/XXXX. My husband resubmitted important information via email earlier this month ( XX/XX/XXXX ). 

Despite our repeated attempts to engage with your company, we have encountered numerous obstacles and challenges throughout the loan assumption process. Both my husband and the sellers have made multiple phone calls to Mr. Cooper, but unfortunately, these efforts have been met with inconsistent and unreliable assistance. Often times, calls get disconnected, leaving us confused and without resolution. 

I want to emphasize that we are not looking to file a complaint against your company. Our main objective is to ensure that our application to assume the VA home loan is seen and processed in a timely manner. We meet all the prerequisites for the loan assumption and are eager to continue this process. We have been cooperative every single time and have always been super efficient in terms of being responsive to any requests or inquiries. We believe we are ideal candidates for this process, as we have thoroughly studied what Mr. Cooper looks for when approving applicants and have provided them with all the required documents twice. 

We kindly request your immediate attention to this matter and ask that you prioritize the processing of our application. We understand that unforeseen circumstances may arise, but we would greatly appreciate regular updates and clear communication throughout the process. Your prompt action in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. We look forward to a positive resolution and a smooth continuation of the loan assumption process. 

Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  # has violated my right 15 U.S.A.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!

Attached is a document from The United States Bankruptcy Court that states they do no report this information to the three bureaus so how is it that this information is reporting to my credit 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 explanation
Consumer complaint received 2024-01-20 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: PA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
After my ID was stolen in XXXX or 2022 several attempts to acquire money in my name were made by an individual. One of those attempts was a payday loan through Check N Go. After discovering the loan I tried several times to address the issue with the company and was told the loan was valid and that I owed the money. I contacted my attorney generals office and they intervened on my behalf but the same assertion that it was a valid loan and I owed it was made. I then filed a formal FRCA 609 ( e ) request for all information on the account and the third party verification company information ( referred to as a " selfie video '' by XXXX XXXX XXXX XXXX ) that was used to identify me as the loan originator. This " selfie video '' was used in another payday loan by the same individual and passed it by putting a picture of himself on my ID. That company forwarded the information from my FRCA 609 ( e ) request and the police recognize the individual. Check N Go has been provided with the police report, FTC identity theft report, and a copy of my actual ID. After all this they decided to sell my debt to a collection agency when a simple review of my actual drivers license and their " selfie video '' would have proven that the loan was fraudulent. They have since retracted the loan but have not turned over the evidence that they have of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Certegy Holdings, LLC
State: NM

Complaint narrative:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

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 2024-01-20 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: FL

Complaint narrative:
I received a response from XXXX XXXX Bank  Manager " XXXX XXXX '' in relation to a billing error indicating 30 days late on my credit report. The company 's investigation after the response on ( XX/XX/XXXX ) has taken more than 30 days. I sent notice and ask the company of proof of the late payment or Notice of Late payment in relation to 12 CFR 1026 : Regulation Z 1. Creditor 's failure to comply with billing error provisions. Failure to comply with the error resolution procedures may result in the forfeiture of disputed amounts as prescribed in section 161 ( e ) of the Act. ( Any failure to comply may also be a violation subject to the liability provisions of section 130 of the Act. ) 2. Charges for error resolution. If a billing error occurred, whether as alleged or in a different amount or manner, the creditor may not impose a charge related to any aspect of the error resolution process ( including charges for documentation or investigation ) and must credit the consumer 's account if such a charge was assessed pending resolution. Since the Act grants the consumer error resolution rights, the creditor should avoid any chilling effect on the good faith assertion of errors that might result if charges are assessed when no billing error has occurred. 

In addition, Section 217 of FCRA specifies that an institution must provide the required notice to the customer prior to, or no later than 30 days after, furnishing the negative information to a nationwide consumer reporting agency As stated in my previous claim, the account was paid on-time through duration and closed XXXX XXXX. XXXX and Equifax are reporting " 30 Days Late '' in XXXX and showing the account closed in XXXX which is a result of a billing error. Again, the account was paid on-time and in full on XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I have an investment account with Robinhood. They indicated they were terminating my account due to a violation of agreement terms and conditions. This occurred on XX/XX/2024. On XX/XX/XXXX, they indicated they could not verify the source of remaining funds in the account. They asked for additional documentation to validate the funds, which I provided. I sent a written communication via email on XX/XX/XXXX requesting them to disperse my money. Since then, they have not been willing to communicate with me. I simply want the money in the account transferred back to me. It is my money and they refuse to even engage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc.
State: MS

Complaint narrative:
Afterpay only gave a partial adjustment of {$41.00} for Afterpay order XXXX ( XXXX order number XXXX ). I am still owed {$59.00} because my purchase at XXXX was only {$280.00} ( screenshot attached ). I have reached out to Afterpay several times to get the repayment schedule to reflect the true amount of {$280.00}, but it is still showing {$340.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-20 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: AL

Complaint narrative:
Prior to XX/XX/XXXX, I submitted a Public Service Loan request for loan forgiveness. I received some information indicating that I needed to submit proof of employment ( recertification ) from XX/XX/XXXX to XX/XX/XXXX. I submitted the required form, but I still have not received loan forgiveness. 

I submitted a PSLF form that allowed me to received a special one time waiver ( known as the " Limited PSLF Waiver '' ) which would allow me after proof of ten years of public service and 120 payments to receive loan forgiveness. I fulfilled my obligation : ten years of public service and 120 payments. 
It is now XX/XX/XXXX, and I still have not received any request for additional information ; however, I still have not received loan forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Between dates XXXX I inquired about a debt that I was not aware of to CCS Collections . In attempt to get my credit right, there was an expectation that they would remove the collections on my credit report if I paid. I paid on XX/XX/scrub>XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  XXXX is scheduled to be removed on XXXX.

I am requesting that it be excluded early.

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 2024-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I had a bogus collection on all XXXX of my credit reports. I filed disputes with all XXXX credit bureaus by certified mail. 

XXXX is the sole credit reporting agency that still recognizes the debt. 
After multiple attempts at contacting them I have been forced to file this complaint. 

The collection showing on my XXXX account is from a company called I.C Systems.

I never did business with these people and I expressed that this was a case of fraud in my dispute. 

Also XXXX is incorrectly showing that 2 other accounts are late but closed and paid. 

The accounts can't be both late and closed. I paid off the accounts and closed them, however this is not reflected on XXXX. 

Thank you to whoever reads and investigates this matter. I really appreciate your time and attention.

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 2024-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Speaking with XXXX she ensured she would send arbitration agreement where I can opt out of a 3rd party getting my information from Bridgecrest. I have never received this agreement and it is illegal for a corporation to give my information to a 3rd party. I asked for the agreement so I can opt out of a 3rd party including anyone looking to take my car having my information and my XXXX. I spoke with XXXX and she said they dont take a special deposit or any other negotiable instrument except federal notes as payment. If they dont take 1099a, special deposit or any other negotiable instrument where I endorse the bill I am asking that they discharge the debt. I am the director and beneficiary of my legal person trust XXXX XXXX and this is how I want to settle this account. I will also make payments with federal notes if they can provide proof that Bridgecrest was not loaning out other peoples money and if they can provide proof that they provided equal consideration in the contract I signed. I have not received any response and I will gladly settle the charges as soon as they provide whats been asked.

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 2024-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I recd texts saying my monthly amount was owed. I called the storage place because we moved out and informed them we moved. I told the gentleman that I keep receiving texts and he said the system was having issues. I called the next month as well he said it was an error not to worry about it. Then in XXXX I recd a collections notice for $ XXXX. My mo rent was only {$100.00}!. I called collections left a message. No call back. Called collections again and left another message. No call back. Called collections a 3rd time. I asked the guy for a detail of how the amount owed was over $ XXXX. He said to read my contract ( which states nothing ) I asked for a detail of the amount and did not get that. I told him I was disputing the amount owed which stated on the form I needed to do by XXXX -which I did. I have not heard back from anyone but its now on my credit and effected my credit score drastically

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 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: TX

Complaint narrative:
My information was sold and bought illegally because i was a victim of the Equifax data breach. I want all the negative items Deleted from my credit reports effective immediately. I have proof that Equifax admitted that i was in fact a victim of this data breach and Equifax has done nothing about it. Please help me delete these negative items from my credit reports

Company response to consumer: Closed with explanation