vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NC

Complaint narrative:
I was told by a Discover Credit Card representative in XXXX of XXXX, that if I agreed to enroll in their Fresh Start Program, that Discover would decide what a new more affordable minimum monthly payment would be based on my card balance, and that if I agreed to enroll in automatic bank withdraws for XXXX consecutive months, never missing a payment, that they would remove the late/delinquent payments reported to the credit bureaus at the end of the 3 month program, and that monthly amount would be my new minimum monthly payment moving forward. The call was recorded. I wrote down and agreed to the Fresh Start Program. I had a new payment of {$270.00} automatically deducted from my checking acct each month. I haven't used my credit card in almost a year, and have made payments per the plan. The balance has increased {$770.00} throughout this program. My card was maxed at {$8000.00} now it is showing a {$8700.00} balance. 
Discover lied to me. The Fresh Start Program is false. I was financially exploited, and my credit score has dropped XXXX points. They did not remove late payments at the end of the program ( as I was told ). They did not stop reporting me as delinquent to the credit bureaus and now it appears I haven't paid them in over 6 months per my credit reports. 
Today I spoke again to Discover to try to get them to remove those negative marks as I was told they would. XXXX XXXX on our call XX/XX/XXXX from XXXX EST to XXXX said she understood I was lied to and was sorry that happened, yet all she can do is make a complaint against the agent that signed me up for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I am asking validation of this account, please do not send a final bill in which a final bill does not validate after the contract was sold. I am specifically asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
account number : XXXX i made payment on XX/XX/XXXX by phone and it didn't get completed until the XXXX. this has violated by rights as a customer with accordance to 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance to the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604A Section 2 bit also states that consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance to the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604A Section 2 bit also states that consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAC Financial Corp
State: TX

Complaint narrative:
I have tired reaching out through email and leaving voicemails I got no response. I called the New York attorney generals office and I was told the buisness was closed down. Before leaving a voicemail the automated systems says that all debt will be removed and that all late payments will also be removed. I was told by the attorney generals office this is the best course of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX XXXX XXXX XXXX FLORIDA UNITED STATES DISTRICT COURT XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX RE : CASE FILE - XXXX Warning to remove items from my Credit File To whom it may concern, I have previously disputed CASE FILE - XXXX with you and WITH NO response, you have not verified the item as correct, accurate or factual. My credit report reflects this information has been verified and provided to the credit bureaus willingly by the court - that is a lie. The bankruptcy courts do not provide information to the credit bureaus. This is CLEARLY stated in the link provided below.

UNLESS you can provide me with written confirmation that the above mentioned court district has manually verified this information as it shows on my credit report, this is false reporting and NOT LEGAL. This does NOT comply with FCRA 611 ( 15 U.S.C. 1681I ) and it must be deleted IMMEDIATELY.

Please reference for proof of this violation and false reporting : https : //www.moeb.uscourts.gov/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I DEMAND DELETION OF THIS REPORTING IMMEDIATELY AS THIS IS IN VIOLATION OF FCRA - 611 ( 15 USC & 1681I ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX XXXX XXXX XXXX FLORIDA UNITED STATES DISTRICT COURT XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX RE : CASE FILE - XXXX Warning to remove items from my Credit File To whom it may concern, I have previously disputed CASE FILE - XXXX with you and WITH NO response, you have not verified the item as correct, accurate or factual. My credit report reflects this information has been verified and provided to the credit bureaus willingly by the court - that is a lie. The bankruptcy courts do not provide information to the credit bureaus. This is CLEARLY stated in the link provided below. 

UNLESS you can provide me with written confirmation that the above mentioned court district has manually verified this information as it shows on my credit report, this is false reporting and NOT LEGAL. This does NOT comply with FCRA 611 ( 15 U.S.C. 1681I ) and it must be deleted IMMEDIATELY.

Please reference for proof of this violation and false reporting : https : //www.moeb.uscourts.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) I DEMAND DELETION OF THIS REPORTING IMMEDIATELY AS THIS IS IN VIOLATION OF FCRA - 611 ( 15 USC & 1681I ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: DC

Complaint narrative:
The new customer portal they have released ONLY allows for you to pay your bill. This isn't drastically different from the lack of information provided in the previous portal. There is not an option to see a message center for documents that Flagship Credit Acceptance has sent, statements from previous bills that show exactly where your money is going, nor does Flagship allow you to view the total amount made to principal vs interest anywhere on the website or statement. Statements also lacked basic information like APR. I also tried using the chatbot which is strictly a rebot with no real support. The chatbot asks for an 11 digit account number but the acount numbers are 17 digits and doesn't recognize the account number I provide. The links in emails that contain statements redirect to a 404 page not found webpage. As a business, I thought they would at least test customer resource options prior to releasing a new customer portal. I'd simply like to see a full detailed payment history since the start of my loan but I have no luck with obtaining this information.

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 2023-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
I fell behind on my payments when the XXXX car sat in repair shops for almost a year. After getting the car back I was making my payments a few days late after the company threatened to repo my car. I replied to their last text saying payment would been made in 4 days when I got paid. The next day they repossessed my car. My payments were not 90 days consecutive missing. I also noticed that all my payments were going directly to interest and nothing to the principal. I called them and tried to make arrangements but the only arrangements they offered were to make an immediate payment or repo. Now for me to get my car back, not only do they want what my loan amount was behind in total but huge fees and bond for a total of {$2100.00}, when payments were only {$320.00}. If one can't pay {$320.00}, how do they expect one to come up with $ XXXX in 15 days? On top of that, to get the car back is the tow and lot fees, which I have not even bothered to check on. I would still have my car had they simply waited 4 days for payment and payments would have been made monthly as required. I have read many reviews on consumer portfolio services and I am not the only XXXX they have done this to. I also noticed a week later the loan company has done a credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: AL

Complaint narrative:
Accounts is unaware of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: AL

Complaint narrative:
Accounts is unaware of

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 2023-06-05 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX You are in Direct Violation of The Fair Credit Reporting Act : XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX 15 U.S.C 1681 section 602 A. Clearly states that I have a 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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 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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Closed accounts with Bank Of America on XX/XX/2013. The accounts are more than XXXX years old. BOA is reporting incorrect closing date, phone number and address to XXXX XXXX XXXX. I've called BOA customer service on several occasions in attempt to correct the information but it has yet to be resolved

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 2023-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
15 U.S. Code 1681i - Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 u.s code 1681 a ) Accuracy and fairness of credit reporting I have been disputing inaccurate information on my credit report with Transunion via online as it gives me an option for certain criteria and other information you have to call in & dispute with a representative. I called TransUnion and spoke to a lady whom informed me on XX/XX/XXXX XXXX XXXX XXXX central time that I need to file a complaint with CFPB to have any inaccurate information such as inquiries removed!

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 2023-06-05 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: IL

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This account, dating back to 2018, has been reflecting on my credit report for five years, even though the full payment of {$1100.00} was made. Although XXXX XXXX XXXX assured me that the account would be eliminated from the report after full payment, it has not been resolved yet. This situation has caused me significant personal strain, affecting my ability to secure housing and leaving me vulnerable to homelessness. I respectfully request that the account be removed from my credit report within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Ok, this goes back to XXXX before and after. We bought our house in XXXX and then Wells Fargo had bought the mortgage quite a few years afterwards. My name was on the deed but we refinanced around XXXX and I was not included on the mortgage because I was at home raising children and not income producing. I became sick in XXXX and my husband and I separated in XXXX. Around XXXX I tried to qualify for the Home Loan Modification Program through the current mortgage company, Wells Fargo. They would say I qualified, then 3 months later said I didn't. This went on for TWO years. They would go back and forth until I was financially drained. I finally got my local XXXX XXXX XXXX involved and eventually we filed an official complaint with the U.S. Department of Treasury. I was given the number by Wells Fargo to the President 's personal assistant, XXXX and told to only deal with him. I still have his number if needed. They finally decided to deny me because they would not recognize the fact the house had been given to me in the divorce but I wasn't on the mortgage. But remember, I was still on the deed. Eventually I could no longer afford it and had to stop making payments on it. Then I got the Foreclosure letter. My ex-husband had to file some sort of abandonment document through the court system because they kept coming after him. Ridiculous. I would still have that house if Wells Fargo would have made right on their promise to do the Home Loan Modification. I lost everything because of Wells Fargo and they haven't bothered to reach out to me with this Class Action Lawsuit. I'm sure they remember me after the Dept. of Treasury incident. I have saved all the files with dates, loan numbers, documentation of phone calls made to them, etc. They are up in the attic and I will get someone to help me retrieve them if you can help me. Let me know if I can provide you with anything else concerning this. My name is XXXX XXXX XXXX XXXX and my ex-husband 's name is XXXX XXXX XXXX. The physical address was XXXX XXXX XXXX, XXXX, Alabama XXXX, XXXX XXXX. This situation caused me extreme financial and mental harm to me AND my children. Also as of XXXX, I was deemed XXXX so this entire situation was devastating. My email is XXXX and my phone number is ( XXXX ) XXXX. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
Under what authority, statute, or law does CREDIT COLLECTION SERVICES have to share and or furnish my nonpublic, private, personal, identifying financial information? CREDIT COLLECTION SERVICES is sharing my consumers private, personal, nonpublic, identifying financial information, transactions, and experiences to third parties, which include but may not be limited to consumer reporting agencies ; and these actions are causing the consumer to sustain injuries. I recently learned that consumers have privacy rights secured to them under the Gramm Leach Bliley Act 15 USC 6802 and the Fair Credit Reporting Act 15 USC 1681a ( d ) ( 2 ) ( A ), that requires any financial institution desiring to disclose/share and or furnish private, nonpublic, personal identifiable financial account information, transactions and experiences about any customer and or consumer, must first provide proper disclosure regarding its intent to do so, as well as give the consumer an opportunity to opt out. CREDIT COLLECTION SERVICES is hereby notified of the following : ANY and ALL consent assumed or obtained by CREDIT COLLECTION SERVICES from the consumer, ( XXXX XXXX XXXX ) that granted it permission to disclose, share, or furnish the private, personal, nonpublic, identifiable financial information. transactions and experiences, whether it was expressed or implied is now REVOKED, TERMINATED, CANCELED, and RESCINDED retroactively to the date that such consent was presumed to be obtained, to-date. It was never my intention to willfully surrender any legal right to privacy, nor do I believe I have done so in any way ; therefore, I am investigating the validity of the " consent '' assumed or obtained by CREDIT COLECTION SERVICES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: FL

Complaint narrative:
In Response of the medical collection agency I have provided proof that I wrote concerning the account over a year ago not only is not mine but its been reported in the past as XXXX XXXX XXXX XXXX and Now today showing as XXXX XXXX XXXX trying recollect as a New DEBT collection. This again shows and expresses that this company has resold this Debt collection Claim to another collection agency to try to Recollect a debt and also Negatively Report to my consumer account after it once been removed.

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