vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I originally submitted a complaint regarding Discover denying me access to credit cards and privileges connected to related background accounts and securities i am the original note holder of with them. Discover responded without addressing my core issues. I am requesting the CFPB assist in ensuring Discover addresses substantive issues raised about rights tied to my account history underlying their trusts. Their response sidestepped this entirely. 

Specifically, as I explained previously in detail, legally binding credit account relationships are created from signed credit card applications and associated terms- which represent accounts receivable assets securing underlying securities. However, despite years of credit applications and pre-approvals with Discover, they are denying me access tied to obligations connected to my identity circulating in their trusts. 

In summary, Discover avoided engaging on my core issue - accessing credit card privileges affiliated with my contractual background, given signed applications forming accounts. I am requesting the CFPB assist in ensuring Discover addresses substantive issues raised about rights tied to my account history underlying their trusts. Their response sidestepped this entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XX/XX/2023 XXXX XX/XX/2023. XXXX XX/XX/2023. XXXX XX/XX/2023. XXXX Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Store Card for Amazon I miss XXXX XXXX received this card and XXXX of XXXX  return several items what's Shown up above. By the carrier of XXXX XXXX File a dispute XX/XX/2023 the items were not credited back to my store card. Is stating that they issued it in a gift card without my authorization there are no transactions of a gift card issued on my account with Amazon my card has been closed out without my authorization for delinquent payments my transactions of payments the payments were being made I was advised by customer service not to make a.ny more payments until the issue was resolved I took it upon myself to make payments the credit line was only for {$400.00} I do not understand how it is {$200.00} with a payment of {$40.00} due. At the opening of this account {$400.00} line of credit what's {$15.00} payments per month when I had the card ran it came up as a scam? My ending results do you have this card removed off of my credit report immediately to given service of my card with Amazon

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 2024-02-28 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: FL

Complaint narrative:
I Sent my letter off on ( XX/XX/2024 ). I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The Vice President of XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) stated that a complete investigation was done and my account was verified but how is that possible if they did not do a proper investigation according to the law. I have not received any documentation or collection letter from XXXX XXXX XXXX XXXX XXXX. 

I would like to know who did they talk to. 
How did they complete this investigation

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 2024-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I was doing research on Credit Acceptance and I saw where consumers were complaining about hidden fees and charges on their auto loan. I do own a vehicle and it is currently financed through the stated company. I understand they help people with bad credit but the fees and interest rate are astronomical. Im currently on XXXX XXXX XXXXXXXX due to an XXXX  and they have worked with me from time to time. In XXXX my vehicle was repossessed and I was able to get it back but Im still paying that horrible XXXX interest rate and nothing towards the principle. This company is a total ripoff and I read where they have XXXX of lawsuits against them for all the hidden fees, late charges and whatever else theyve done. I too am filing a complaint against this company for the same reasons. I possibly maybe consulting with a lawyer as well.

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 2024-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: MD

Complaint narrative:
I am a XXXX  resident, and back in XXXX, I was offered a title loan in Delaware, which I accepted. It was for {$2200.00}, and I was told that I would have to pay about {$4500.00} in total. That's also what shows on the app. However, I wasn't able to access the documents on the app to double-check my rates. But when using a computer, I was able to open the documents and, to my surprise, the lady who lent me the money lied. I'm supposed to pay back over XXXX after borrowing {$2200.00}, and the interest rate is over 200 %. It was my fault that I did not read the document before signing, but since I'm a XXXX resident, can I use XXXX law/regulation to fight back against this predatory interest rate even though I took the loan in Delaware? Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Reviewed most recent credit report from XXXX and I noticed inquires that did not belong to me. After reaching out the companies I was advised that they didn't have a record on file of me every applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 
After contacting the CRA I was meant with push-back even though I expressed the inquires in question did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

PER 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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:
Kindly update my account this causing me a lot of stress and 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 explanation
Consumer complaint received 2024-02-28 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: MD

Complaint narrative:
I looked at my report on XX/XX/XXXX, and noticed that some things are incorrect and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX & XXXX ) are not complete and accurate And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consulting any consumer reporting agency it 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 2024-02-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I recently went on XXXX. About two weeks into hospice, Synchrony Bank closed all the credit cards I have that are backed by them : XXXX XXXX XXXX XXXX XXXX XXXX and JCPennys. They all had XXXX balances except for JCPennys, which has an autopay of {$8.00} per month for a life insurance program that I have been paying into for many years. My wife and I have had our JCPennys account since 1967. The only reason Synchrony gave for closing all these accounts is high risk of nonpayment. This makes no sense given the XXXX balances. I called and spoke to quite a few representatives of Synchrony Bank and they were all very rude and would not say more. There has been XXXX  change to my credit score and credit report. The timing is hardly coincidental. I believe there is a major HIPPA violation, not to mention life insurance fraud. I am not dead. My wife, who is on the JCPennys account is alive and well. The life insurance program that I have been paying into has magically disappeared. This is not right. Synchrony Bank employs hateful people that refuse to help.

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 2024-02-28 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: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the FCRA this late payment being reported for XXXX  for XX/XX/2024 has violated my rights Per the XXXX XXXXSC 1666B ( billing error ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/XX/2024 I sent out a secured message to the company about ways to reduce the interest rate on the account, because the rate is around 10 % higher than any other card I have. The card balance is around {$1800.00} currently, and limit as of XX/XX/2024 was {$11000.00}. 

The message included potentially transferring part of the balance to another card issuer and failing that look into closing the account, as fallback steps to get lowered interest rate. 

However, this message was incorrectly interpreted by the company and they closed the account without first contacting me by phone, mail or email to seek clarification or discuss the request specifically. 

I only discovered the account was closed in a cursory call to inquire about account activity and setup balance payment. There is no letter record whatsoever from the company to me about closing the account. 

During this cursory call, I asked them to immediately reopen the account and restore the same card settings including limits of around {$11000.00} since there was a pending request to XXXX 's management to review and lower the high interest rate. While the account was reopened, the limit they had dropped to a low level of around {$2000.00} during the premature closure, was not returned back. 

The terms I instructed them to follow in reopening the account after their ill-advised, premature closure was not met. 

I respectfully ask this company to restore the card limit back to the earlier level of {$11000.00} and to lower the interest rate per best available promotional rate. There is no justification for what happened and immediate action is needed to correct the idiocy related to the premature account closure.

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 2024-02-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a open credit card account under an open end consumer credit plan as late for any purpose. 

XX/XX/year> {$490.00} XXXX 2023 {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 - XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/2023 - XXXX XXXX XXXX  || Date of inquiry : XX/XX/202XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2023 - XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 - XXXX XXXX XXXX  Date of inquiry : XX/XX/2023

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 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Venmo has terminated my account with no explanation and intends to keep several XXXX dollars that is mine. They have stated they will no longer respond to my emails. 

On XX/XX/XXXX I sent an email to venmo in response to them freezing my account for improper use. They did not provide any details how I violated their policy. It was a very vague email.I am a small legitimate business that hosts events so I am unsure what about my business was in violation. 

I received no response back so I followed up on XX/XX/XXXX asking for assistance with my account. 

On XX/XX/XXXX I still received no help with my business account and I sent another follow up email. 

On XX/XX/XXXX I sent an email to their support team on XXXX and received a response. we exchanged emails back and forth and said a rep would email me. 

On XX/XX/XXXX a rep email me stating After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/XXXX. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Which means they closed my account with no explanation as well as stole XXXX  of dollars from my business. Im submitting a request as a last effort to get my money back before sending a letter from my lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc.
State: FL

Complaint narrative:
Dear all, I took out a loan with Moneykey XXXX XXXX XXXX  and have realised the bi-monthly payments are too high and unaffordable for me. 
I have made payments already. 

I called Moneykey today ( XX/XX/year> ) to explain the situation and asked if I can make monthly payments instead of bi-weekly to help with the affordability issue and they refused. 
They advised they can not or will not reduce the frequency nor the payment amount until Ive paid off several months. The other option they have is to not pay and go into a past due status which will lead to credit score being affected and eventually collection. 
I spoke to both an advisor on the phone and their manager who both refused to assist. 

Please could you advise what options I have? 
Surely as Im not in arrears and trying to make a more affordable payment, they should be willing to assist? 

Regards XXXX XXXX

Company response to consumer: Closed with explanation