vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
On XX/XX/2022 I paid {$4500.00} towards a loan of {$10000.00} that has simple interest. 
After applying the payment I have a balance of {$4200.00} My monthly payment should decrease and I should not be charged the full amount of interest as my principal was substantially reduced. 

I called on XX/XX/2022 and spoke with a CSR, who agreed with me about the simple interest. He then told me I still owed 35 payments at {$410.00} which is the original installment payment. 

In my contract it states that it is simple interest and if I prepay, it will accrue daily. 

They are not holding their end of the contract up. 

I told him I wanted to file a complaint and he said he would for me. 
I asked who he would file the complaint with and he said against the company for me. 
Which is XXXX, so I XXXX and found this website to file myself

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I formally wrote a Cease and Desist to Innovis on XX/XX/2022. I sent the letter via certified mail, the tracking number is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX website states " Delivered, Left with Individual '' on XX/XX/2022. As of today, XX/XX/2022, the company has not responded to me. Additionally, I have yet to receive the Innovis report I ordered on XX/XX/2022. 

I asked for all original records in this letter, as well as evidence of my express written authorization to Innovis to share my information with unaffiliated third parties. According to the XXXX XXXX XXXX XXXX, XXXX XXXX must tell their customers about their information-sharing practices and explain to customers their right to " opt-out '' if they don't want their information shared with certain third parties. 

The acts of Innovis have directly and indirectly ruined my financial reputation. These actions satisfy the prerequisites for a libel case. I'm asking the CFPB for assistance in obtaining a statement from this business stating why they are harassing me, breaking the XXXX, and ignoring my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
In XX/XX/2022, Capital One opened a XXXX XXXX XXXX Account in my name without my permission. I never used the account. In XX/XX/2022 Capital One closed the account just as mysteriously as they had opened the account two months prior. Again, I had no transactions in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was told that my square account transactions would be suspended if I didn't look in my dashboard on squareup.com to resolve a letter. I answered the questions in the letter Monday XX/XX/22 about the CBD or cannabidoil products I use by opting out of the CBD market and taking the listed CBD balm off my items list that is used in XXXX XXXX as an add-on. The reply automated said that my cooperation more or less was fulfilled and I should be able to use the Square services for credit card transactions in time for my appointments that were Wednesday XX/XX/22 same week. I accepted the credit card that day and the next day when I was expecting to use the funds transferred to my checking account I was told the funds were suspended and that I should contact Square in some community center to find out why. I found the phone number and called it XXXX and spoke with a few customer service reps, the first one didn't connect me and the 2nd one made me feel she handled it and gave me copies of the reasons why account suspended for CBD. I told her I already complied and she told me the department handling my account was reviewing it and I would expect to be able to access the funds by the end of the day. Rent was due and I was assessed a {$50.00} late fee and the XXXX XXXX holiday on the weekend didn't make me think I would be able to have my account reviewed. I closed my account that Monday XX/XX/22. I called back today on Tuesday XX/XX/22 and spoke with a representative who told me the other person didn't email me back like she was supposed to that some other item was on my account with CBD from a massage oil product, when asked why I wasn't told about that item. I had already closed my account and he confirmed I had {$240.00} after fees in my Square account that would be released as I wasn't in the CBD market or also don't use their services. But he said he would have to hear from that department then email me. It is the end of the day and I still haven't heard anything. I don't think it is fair for them to take my funds over CBD that is legal to use in services and bought at XXXX and XXXX and XXXX from a client 's account. I don't sell it, and Square intentionally hurt my small means of income that impacted me with more fees to pay for late rent. The costs of fuel and less tips at my employee job and time off the previous two weeks to study and pass finals in XXXX XXXX hurt me already and I relied on that money to pay my rent. They are robbing small businesses and financially abusing them for a CBD compliance issue that shouldn't be any of their business. I already have really XXXX XXXX XXXX to people and drive to their homes for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: NY

Complaint narrative:
I have a direct student loan held by Edfinancial with a remaining balance of {$9900.00}. On XX/XX/XXXX and on XX/XX/XXXX I requested a timely refund for payments made on the account since XX/XX/XXXX, in the amount of {$9200.00}, as allowed by the Dept of Education. This request was clearly made in the hope of being able to make a request of my full eligible amount of student loan cancellation as outlined by the Biden administration. Edfinancial has responded with saying they will at earliest be able to process the refund and have that reflected in my loan balance in at earliest 150 business days, which is an unreasonable timeline compared to other loan servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-09-07 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: GA

Complaint narrative:
In XXXX of XXXX, XXXX announced a data breach that exposed the personal information of 147 million people. I was affected by this breach when someone used my information in XXXX. XXXX created this problem and now they will not help resolve this problem. They are hiding behind the notion they are too big to fail. 

I wrote XXXX about the following fraudulent account : XXXX XXXX XXXX I have proved this account information as fraudulent with them, and they have failed to respond. I have filed a complaint through the Federal Trade Commission. Under the laws of the FDCPA, I have contacted the credit union and told them it is a fraudulent account. 

This debt is not mine. This egregious stain on my credit file prevents me from obtaining future student loans. I urge them to remove this item immediately before I am forced to take legal action. 

They do not care that I can sue them for actual damages and declaratory relief under the FCRA. According to this regulation, I can sue them at any qualified state or federal court, including a small claims court in my area. 

However, they are not concerned about lawsuits. They are getting paid more money by this credit card company when they report incorrect information on consumers ' credit files. It is why I am filing a complaint through the C.FP.B. 

While I prefer not to litigate, I will use the courts to enforce my rights under the FCRA. However, I need the CFPB to step up and force XXXX to do the right thing. 

I look forward to an uneventful resolution of this matter.

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 2022-09-07 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 — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I have sent numerous certified mailings to XXXX and XXXX attempting to get the information for XXXX XXXX  and Portfolio Recovery to be corrected or removed. After almost two years of disputing it is still reporting incorrectly on both reports! 
XXXX does not list either account, thankfully. 
Attached at the two most recent credit reports, as you can see both have incorrect information. 
I have a security freeze on all credit reports due to this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, HARVEST ASSOCIATES , INC sent a letter in the mail stating I owe them {$820.00} for a service that took place XX/XX/XXXX. I sent a letter of validation and they could not verify the debt. I also sent them a cease and desist letter that was ignored. They are also in violation if 15 USC 1692b and 15 U.S.C. 1692d. According to 15 USC 6802, no financial institution is supposed to share my information with a third party. I never gave XXXX XXXX XXXX permission to share my personal information to a 3rd party. I also never signed a contract stating that I owe HARVEST ASSOCIATES , INC any amount of debt. They also never communicated the amount of money they paid for the debt, when they purchased it and other information requested in the validation letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I sent Experian letters asking the consumer credit bureau to delete an account from my Experian credit file. Experian did not delete the account from my credit file. I sent Experian a settlement letter I received from the creditor. In the letter, the creditor stated that if I had paid the reduced balance in full on, or before the expiration date, the creditor would agree to delete the account from my credit file. The creditor agreed that I'll pay XXXX on, or before XX/XX/XXXX in exchange to delete the account from my credit file. I paid the creditor in full XXXX with the first payment beginning on XX/XX/XXXX and the final payment on XX/XX/XXXX, before the expiration date. Attached to this statement is the entire transaction history of the payments made by me to the creditor, I also sent the transaction history to Experian on XX/XX/XXXX and XX/XX/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 2022-09-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have asked the credit bureaus to stop reporting wrong or mis-leading information on my credit report. My name is XXXX XXXX and my address is XXXX XXXX XXXX, XXXX, NC XXXX. I sent in a copy of my license with the correct spelling of my whole name and date of birth. 

I also sent in a copy of a bill to show my address. I do not know any of the other addresses, nor am I associated with any of the other addresses that's being reported. 

I have asked the credit bureaus on numerous times to please validate, as well as investigate the accounts that they're reporting to be mine and delete the ones that are not mine. I also asked for the validation procedure because I have not heard of these accounts.

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 2022-09-07 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: Exeter Finance, LLC.
State: MD

Complaint narrative:
XX/XX/2021 The account with Exeter XXXX  was charged off this truck total {$14000.00}. Leaving me very inconvenienced. I tried contacting the company no information on my account and I need to have this removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed incorrect information XX/XX/2022 by sending off a letter to XXXX, XXXX and Transunion. Some reports were removed and each Reporting Agency has incorrect and inconsistent information. Transunion has open accounts that are also collections. My addresses are wrong and XXXX and XXXX are not reporting open and closed accounts reported on Transunion. XXXX has incorrect addresses and work place. They reported XXXX as an open account and a collections. There is an open account with no Account name or contact information. Accounts such as XXXX XXXX XXXX, XXXX XXXX XXXX are not reported as open accounts on other reports. XXXX has the wrong addresses, open, closed and collections as well. I also sent a cease and desist letter last month to the collection accounts that included of 15 U.S. Code 1692c and 15 U.S.C. 1692d to cease all communication with myself or any person through any medium, that includes XXXX, XXXX and Transunion. There should be no further updates on any accounts of collections and the collections need to be removed completely. According to the Fair Credit Reporting Act 12 USC 1681, I have a right to privacy. According to the 15 USC 6802, no financial institution can share my information to third party persons without my consent.

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 2022-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I obtained a simple interest loan in XXXX with Regional. The first monthly payment was due XX/XX/XXXX in the amount of {$590.00}. I made the very first payment on XXXX XXXX in the amount of {$600.00}, I also made a verbally indicated separate principle onlypayment of {$50.00} on this same day., both by phone to agent. I received statement/ receipt notice dated XX/XX/2022. On this statement/ also receipt I received, as well as, online DOES NOT show nor provide COMPLETE ADDITIONAL payment breakdown nor allocation of excess payment. I then proceeded to call regional and spoke with first female representative expressing valid concern regarding additional principal payments not indicated on receipt. She proceeded to confirm the principal payment was applied to principal but in order for customer to have record of payments in itemized detail showing additional payments, the customer have to call in every month to request by way of a supervisor showing complete payment breakdown. My concern is that this company is intentionally not giving complete payment history nor allocation on their website or their receipt statements of consumers payment Consumers have to call in and request itemized payment history to show additional payments and allocation in its entirety per month from a member of management if they are available. My concern is that this is a huge billing deficiency within this company. The consumer shouldnt have to call to get a complete itemized payment history every month when this information should be indicated, included and legally shown on monthly statements and receipts as payments are made for consumer record keeping and to ensure no company billing errors as anything else consumers purchased, pay for or paid on. I respectfully request this issue to be investigated and amended that this company start reflecting what consumers are paying them in its entirety on line and on mailed receipts for consumers as well. One other main point I would like to make is that I spoke with a supervisor after initial rep and she couldnt even pull up the receipt/statement that they mailed to me dated XX/XX/XXXX on today XX/XX/XXXX in order to throughly go over what my concern was. Consumers should have in their possession as well the same itemized payment information on this as anything else they pay their hard earned money on or for. Regional is not providing complete monthly payment documentation to consumers ensuring accuracies and no calculation errors on their part especially when consumer is trying to pay loan off earlier than the contractual term.Also there are hundreds and hundreds of billing issue complaints against them and actual billing errors on their part.

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 2022-09-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There's incorrect personal information on my credit report. I've attempted numerous times to reach Experian and get this resolved but they have violated my rights and have not done so. I have one name that I was born with, and one address that I reside at. The incorrect information needs removed immediately. 

Incorrect Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, PA XXXX Incorrect Names : 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 2022-09-07 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: CA

Complaint narrative:
It has come to my attention that debit that has been written of by the creditor So that means the original creditor has been paid for the alleged debt which is profit. As stated by the IRS anything that is considered as profit shall not be reported on a consumer report. Pursuant 15 USC 1681 S ( 2 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. So, these charge offs are not considered a debt its profit. Therefore, it should not be on consumer report. You have also violated my rights pursuant 15 USC 1681A ( 2AI ) which states that anything considered a late payment should not be on my consumer report. 

It is not my duty to hold you in compliance with the Fair Credit Reporting Act, however it is still my responsibility to make sure every item is reporting accurately so that my consumer report is fair and equitable to me, so take notice. I came across a publication on the Internal Revenue Service ( IRS ) website in which the IRS defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON CONSUMER REPORTS which in fact makes your reporting of the following account ( s ) inaccurate. 

" Charge Off '' XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove the late payments from the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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