vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
We respectfully requested that Discover Card remove the 30 days late from our credit report. We have been good customers and Discover Card has been great to us. After making a XXXX XXXX dollar payment on the card we made a mistake on the next payment. We had it set up to go out automatically but it was the wrong amount. We didnt know anything was wrong until the card began to decline. We didnt get any alerts. 
We have set up automatic withdrawals with Discover Card so that it will not happen again. It was a big mistake on my part that cost me XXXX XXXX points on my credit report. We usually receive an alert when anything is going on with the card. We didnt receive any alerts. A representative from customer service said that someone would reach out to me on why we didnt receive an alert. No one did. 
The month that it happened I was diagnosed with XXXX. I didnt realize that I must have put the information in wrong. We have spent all of our live maintaining our credit and Discover Card refuses to help us with this issue. 
Remember we paid XXXX XXXX the previous month on our card. That is why Discover Card should see this as a one time error. I am trying to get a auto loan and the thirty days late has hurt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have credit protection on my Navy Federal credit card. I have been denied access to the credit protection program team. I have made multiple attempts to contact. I have received paperwork but can not get access to the team to give them information. Navy Federal has emptied my bank accounts and have threatened legal action if I dont pay. Even today ( XXXX ) I was not transferred to the correct team. I was only asked if I was refusing help. I answered the question more than once that I wanted to use my credit protection account. I am seeking help. Im still being denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sentry Credit, Inc.
State: CA

Complaint narrative:
I have contacted Sentry Credit Inc and have asked for them to provide me with the Purchase agreement of the alleged debt between me and " XXXX  XXXX '' they responded back with a lease agreement between me and " XXXX XXXXXXXX ''. Upon reviewing of the Lease Agreement " XXXX XXXX XXXX '' is named no where in the contract between me and " XXXX XXXXXXXX '' I have asked them to validate this debt and furnish the purchase agreement of the debt from " XXXX XXXXXXXX '' and the company has failed to do so in a timely manner. Further more the company is in violation of multiple TCPA violation 's and I am speaking to council on filing a class action lawsuit against them if my matter is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OR

Complaint narrative:
Below is an email I am sending to Edfinancial services on XX/XX/2023 : Hello, This is XXXX XXXX, regarding account XXXX. 

I spoke with a customer service representative to verify the amount due and who to make a check out to and verified the address to send payment and submitted payment by mail on XX/XX/2023, more than enough time for the check to be received prior to the XX/XX/XXXX payment due date. The check, for {$20000.00} was cashed on XX/XX/XXXX. 

As of today, XX/XX/XXXX, I continue to receive past due notifications from EDfinancial, and show an outstanding balance of {$220.00}. In addition, my XXXX XXXX has XXXX, I assume as a result of this. 

I have submitted a request that the Consumer Finance Protection Bureau review the above on my behalf. 

Thank you, and please let me know what is being done to resolve this discrepancy. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I performed a balance transfer and the check was mailed to Sallie Mae. my Sallie Mae credit card. XXXX. The bank recieved the fund but said it was sent to the wrong address. Then it took them more than 14 days to deposit the fund into the account to make my balance current. In the meantime I was charged a late fee along with interest on the account that I should not have. According to regulation cc once a financial institution receives a payment in the mail they are required to deposit it. Its not my fault as a consumer that they dont know how to perform there functions correctly and now are negatively impacting me financially. They are trying to say its my fault that it wasnt sent to the correct address but I did send it to them. I reached out to them and explained the situation they gave me the run around and sent it to a supervisor never spoke to the supervisor and they denied my claim to waive the interest and thats not right. They faulted in their responsibilities and are trying to have the liability be on me. I did everything correctly on my end. They are at fault and now Im being charged interest on interest that I shouldve never been charged. They are taking advantage of people and they should be fined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Best in Funding, Inc.
State: CA

Complaint narrative:
I first purchased the XXXX XXXX XXXX in XXXX of XXXX, and I have made my monthly installments on time for the last two years. In XXXX of this year, XXXX, I made a partial payment and it sent my account into delinquency which led to the company, Best in Funding suspending my account, and preventing me from accessing the payment portal to make a payment to bring my account back to current status. 

I called them to attempt to rectify this issue on XX/XX/XXXX, and the Account Manager, XXXX began to over talk me, interrupt me and assert how my phone call was not important and hung the call up while I was still on the phone. I attempted to call back to address making a payment, and the same woman, XXXX would answer my call and hang up repeatedly. She disconnected my call 12 times according to my phone log. 

I was finally able to call back approximately 30 minutes later but was still met with the most unprofessional customer service, making me feel inferior, and discriminated against for missing one payment in my two year history with the company. I was finally sent a link to make the payment, but unfortunately the link did not work. I called back again to try and make the payment, of which I was hung up on again after being told a new link would be sent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: NC

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. No response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I've been with coinbase for almost a year and never had any trouble transferring money. A few months back coinbase asked me to verify my identity with a drivers license, ID or passport. I've tried to verify it about several times but each time without luck. It's been a few months since i've been able to withdraw or deposit money. Theres about {$14000.00} in XXXX in this account. So i would like to be able to manage my account. I have validated my account through multiple ways even had complete access to my account for over a year and now my account has been locked for further verification. I completed the further verification process and my account is still locked. I have spoken with support and they have said no further information can be provided and please wait an additional number of days. This is the XXXX time I have been told just to wait with no explanation. I have asked for a supervisor or an ombudsman and have been repeatedly told they do not have that. Now a rep, XXXX, from Coinbase is telling me to just be patient after XXXX weeks of my account being locked. 

XXXX Is the Customer Service XXXX XXXX number # XXXX Hopefully you guys can help me out. Kind regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint to SYNCB/XXXX  for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

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 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Their refusal to issue me a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: AZ

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

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX Original Creditor XXXX XXXX XXXX / Account # XXXX has violated my rights. 

XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX / Account # : XXXX has violated my rights. 

Wrong Addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 15 U.S.C 1681 S-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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings
State: GA

Complaint narrative:
I am currently homeless due to the erroneous information reported by SafeRent Solutions. They are reporting duplicate judgments against me on addresses from XXXX XXXX. I left an apartment complex in good standing. Not owing any balances and any judgments made against me ( due to late payments ) were dismissed. Basically I got this apartment in XXXX and lost my job 3 months later. I did my best to pay even if it was late. It was paid! Automatically a judgment is placed against you for not paying by the XXXX of the month? But as soon as you pay it? It should be dismissed. And it was. 

SafeRent Solutions has cost me hundreds of dollars in denied application fees and the fact that I am living out of my car for no reason at all! Per their reporting I have XXXX default judgements against me that the XXXX XXXX XXXX have no record of. I have provided them with a ledger from the apartment complex proving all balances were satisfied. The apartment complex cant provided me with any court documents because this was 5 years ago. They have switched property management several times and they dont keep records after so many years. SafeRent Solutions is telling me that I need court records proving that the judgements were dismissed but there is no case to dismiss it! No one can pull the cases online. No one can pull the cases on paper! As Im being bounced around to call this person and the next? Im homeless and being sent in circles because of them reporting repetitive, old, and incorrect information! They have my entire profile WRONG! Even down to employment! I am a working XXXX mother of XXXX children who cant provide a place to live because of them! This has been an extremely frustrating situation and I dont deserve this kind of treatment! You have the proof. Remove it!

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 2023-10-20 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: TN

Complaint narrative:
In accordance Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account reference number XXXX has violated my rights. 15 U.S.C 1681section 602. A. states I have the right to privacy. 15 U.S.C 1681 section 604. A. It also states consumer Reporting Agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PMT Solutions, LLC.
State: WA

Complaint narrative:
I have been receiving calls from XXXX XXXX for some time now and eventually got around to contacting them in order to make a payment. They informed me that I had an XXXX XXXX XXXX account go to collections and that the total due was {$750.00}. Upon receiving this information my first initial thought was to just set up payments. When I went to do so, they informed me that for each monthly payment they will be charging an additional {$10.00} processing fee for online/pay-by-phone payments. This brought up a concern as I am familiar with the FDCPA as well as the Consumer Financial Protection Bureau. " Section XXXX08 ( 1 ) of the Fair Debt Collection Practices Act ( FDCPA or Act ) prohibits debt collectors from collecting any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. The Consumer Financial Protection Bureau ( CFPB ) issues this advisory opinion to affirm that this provision prohibits debt collectors from collecting pay-to-pay or convenience fees, such as fees imposed for making a payment online or by phone, when those fees are not expressly authorized by the agreement creating the debt or expressly authorized by law. This advisory opinion also clarifies that a debt collector may also violate section 808 ( 1 ) when the debt collector collects pay-to-pay fees through a third-party payment processor. '' After speaking to a manager there, she told me that they are fully allowed to add this fee and could not provide me a legal reason that this was accurate on conjunction with the Section 808 ( 1 ) that contradicts her statements. I then told her I was going to research the issue before making any payments. 

After this occurred, it made me question if the actual amount they were attempting to collect was accurate as well. Upon reaching out to XXXX XXXX XXXX as well as referring to my account, it shows that the total amount they have past due is XXXX. With XXXX. Solutions looking to collect {$750.00}, there is a {$200.00} added amount that was not part of the original debt owed. 

For a solution, I would like for XXXX. Solutions to remove the added fees so that the account balance remains in the amount of {$540.00}. Additionally, per the attached document relating to the full Section XXXX ( XXXX ), I would like the ability to set up payments each month without the {$10.00} processing fee being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 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 2023-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Urgent Action Required : Fraudulent Charges on XXXX  XXXX XXXX Account Due to Identity Theft I am writing to address a serious concern regarding fraudulent activities on my XXXX  XXXX XXXX account ending in XXXX. My identity was compromised, making me vulnerable to fraudulent charges that total an alarming {$18000.00} on the said account. 

The inclusion of this unauthorized account on my credit report has wreaked havoc on my credit score, causing undue stress and financial strain. While I am the victim of identity theft and fraud, I find myself facing the severe repercussions of these illicit actions.

Despite my persistent efforts to rectify this situation, and successfully having other fraudulent accounts removed, this particular account remains a blemish on my credit report. This ongoing oversight continues to erode my creditworthiness, unfairly penalizing me for actions I did not commit. 

I implore you to conduct an expedited review of this matter and ensure the removal of this fraudulent account from my financial records. It is crucial that my credit report is an accurate reflection of my true financial behavior. 

Thank you for your immediate attention to this pressing issue. I trust in your commitment to fairness and anticipate a swift resolution. 

Warm regards, 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