vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: MI

Complaint narrative:
I sign up for XXXXXXXX XXXX XXXX  XX/XX/2019 and Covid hit then I cancel my membership by visiting the office. Then I never went back but they are saying I did not cancel the membership. They told me I have to pay {$280.00} now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : Dept Of ED Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Name : US Dept Account # XXXX, XXXX Account Name : 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-15 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : Dept Of ED Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Account Name : US Dept Account # XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # 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 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without written instruction or 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 2022-07-15 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after the investigation with the same inaccurate information. 

The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. 

This is willful disregard of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I applied for Refinancing with my original mortgage provider Rocket Mortgage and was approved. They had an appraisal done to which no discussion of cost for an appraisal. In the mean time I had another Loan company give me an estimate to which they came in with a better rate and cash out offer than Rocket. Trying to finalize the loan with new company and needed Rocket to transfer appraisal to the Loan company Rocket said before transfer I needed to pay XXXX for appraisal. I was shocked that first of all it would cost that much and second no mention of appraisal price was discussed. I think this is a deceptive practice and its like punishment for not going with their offer. Just think this is dishonest. Thanks for Listening XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: TX

Complaint narrative:
Signed up on payment program due to Covid. I gave them my checking account info. They were able to process the first payment but could not process other payments. XXXX XXXX confirmed with a supervisor from Discover that the information given was correct. Also with the type of payment processed the account was valid and they way they processed the payments were correct. Discover is stating that the error was not on their end even after talking to my bank. They are refusing to take late payments off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I made a purchase on Comenity Bank XXXX XXXX card at XXXX XXXX on XX/XX/2022. I never received the bill for this transaction. I was unsure of when billing cycles end and if the charges would go through when the item was purchased or shipped since I rarely use this card. The end of may I received a bill stating that my account was past due and I called in on XX/XX/XXXX. I let the representative know I never received the bill. She waived the late charge that was assessed and asked would I like to make the payment with the information saved to my account to which I agreed. Towards the end of XXXX I receive another bill with another late charge stating my payment was not made. There was sufficient funds in the account to more than cover the bill and it was not a returned payment. The associate simply didnt process the payment like she said she would. I called in again and gave them all the information about my experience. I am told the late fee can not be waived. I am then transferred to a supervisor that eventually waived the late fee but an told there is nothing that can be done about the interest charge that accrued. I am then transferred again to someone who will close the account because at this point I want to cut ties with this company. This individual tells me I have to make the payment before closing the card to which I do and request a confirmation number. I am told that the balance is now {$0.00}. I tell the individual to just leave the card open because I want to see the impact of closing it on my credit before I proceed. A few days later I receive an email from XXXX that a late payment has posted to my credit and I took a significant decrease in my credit score ( over 100 points ) when I look into it they not only reported the late payment but also a balance on the card and simultaneously reduced my credit limit from {$16000.00} to {$750.00} all after the entire account should have been reconciled. Inconsistent information was reported to XXXX  and XXXX. Only the late payment was reported to XXXX. I call in again to inquire why this information was reported as negative on my credit report and learn that my account once again has a balance because a late fee that was removed was added back onto the account. When I speak to this representative she states there is no record of the initial payment I made with the representative and they have no way of knowing who I spoke with. Obviously, their documentation requirements are not up to par. The representative took all the information and said that her supervisor would review and I should call back in a few days. I would not recommend having this card. This has been a nightmare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I live in XXXX, California and on XX/XX/2022, while visiting my XXXX old father in XXXX, I stopped at the XXXX XXXX in XXXX XXXX , California, store # XXXX, XXXX XXXX XXXX to buy a wallet. I used my XXXX XXXX to purchase the wallet. The clerk at checkout asked me if I wanted a rewards card, but without my knowledge, she signed me up for a Sychrony Bank credit card. I was not given any paperwork indicating that I was being signed up for a credit card, just told that it would be coming in the mail. It wasn't until I received the credit card today XX/XX/2022 and my credit report took a XXXX point negative credit hit that I realized I'd be misled. I called the credit card company and the only thing they did was to cancel the card, but I need my positive credit restored. 

After the conversation ended, I tried to calle Synchrony Bank to speak with a person who could contact the three credit bureaus to restore my credit, but was not given any access to a human being. I have already frozen my credit at XXXX but the damage has been done. 

I called the store on XX/XX/2022 and spoke with XXXX and told her what happened but she there was nothing she could do. I never opened the credit card, speaking with XXXX in Synchrony 's offshore offices on XX/XX/2022, confirmation number : 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 2022-07-15 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: IL

Complaint narrative:
They Broke the law furnishing to my credit report without my consent the law clearly states " Pursuant to 15 us 1681a ( d ) ( 2 ) ( A ) ( ill ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report ''. This is in fact another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I opened the account on XX/XX/2022. 
I began to fund the account from another bank account. I noticed some transfers were declined and others accepted and then the next time I checked my account was not only in the negatives but blocked. On XX/XX/2022, I noticed the block and began to contact the bank to understand why and maybe see if theres anything I could verify or provide to prove that there was no fraud or anything. Repeatedly, all of their agents said the same thing the account is blocked, there is nothing more I can tell you. Youll receive a check in 60 days. I am not in the financial position to wait 60 days for my funds especially when I have no explanation as to why this is happening. If the account could be unlocked just so I can transfer my funds back, I would close it myself. I trusted this bank with my money and now I have nothing.

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 2022-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I was in a car accident in which I was deemed to be NOT " at-fault. '' The case went through litigation and was handled and paid out from a lawyer. All involved parties were released and satisfied! Collection agency is reporting and re reporting debt after it is removed and deemed invalid. These debts are showing for the third time this year after being 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 2022-07-15 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: IL

Complaint narrative:
They Broke the law furnishing to my credit report without my consent the law clearly states " Pursuant to 15 us 1681a ( d ) ( 2 ) ( A ) ( ill ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report ''. This is in fact another violation.

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 2022-07-15 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: IL

Complaint narrative:
They Broke the law furnishing to my credit report without my consent the law clearly states " Pursuant to 15 us 1681a ( d ) ( 2 ) ( A ) ( ill ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report ''. This is in fact another violation.

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 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a checking account with Wells Fargo. 
I have requested many times verbally over the phone to decline overdraft coverage, because I can not afford the overdraft fees. But they refuse to put it in effect. The last examples I have are from XX/XX/XXXX they charged me {$35.00} overdraft fee for a XXXX  transaction. That is extremely incorrect because they will not allow a XXXX  transaction unless the funds Are available. On XX/XX/XXXX the same thing happened again, Wells Fargo charged me a overdraft fee of {$35.00} for a XXXX  transaction. I have contacted them via their phone customer service with no luck. I also spoke with branch representative on XX/XX/XXXX and was told nothing can be done. The fees are a complete ripoff.

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 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I have a XXXX through the XXXX  store, which uses comenity bank to process everything. About 3-4 weeks ago, I couldn't log into my account online to view my transactions. There was a message that there was a system update that was taking longer than expected and they were working to correct the problem. 
I moved about three weeks ago and have been trying to update my address on my account, but can't log in because it doesn't recognize my laptop ( my computer isn't set up yet because of remodeling in our office ). Normally, I can have it send a text or an email to verify the device. I've tried several times to have it send me a text or an email and I never get either one. 
Then two weeks ago, my card started to decline when I tried to use it, despite having paid my balance in full on time and not being anywhere near my spending limit. Every time I tried to call the company, I would verify my account, go through several prompts, then be told the office is temporarily closed. I tried the number on the back of my card ( XXXX ), I tried a number I XXXX  for XXXX  comenity ( XXXX ). I tried every day for several days. Finally, I tried a live chat function on the XXXX  website. They told me to call the XXXX number. I repeatedly told them I had already called that number and just got to a message that said " Our offices are temporarily closed ''. Finally they told me to call XXXX XXXX directly and have them transfer me to comenity. I called both XXXX and XXXX before the chat was disconnected. I've tried calling again today with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2022, I opened both 360 savings and CD with Capital One. 

Before funding the accounts, I called to inquire about the transfer timing as well as concerns relating to XXXX as the funds exceeded XXXX and I did not want any issues as I do not transfer large quantities. 

The representative assured me that funds are typically available within a day depending on timing of the deposit, the 2-3 is the checks the back in take to look into XXXX and verify the source of the funds. 

I saw the deposits in the savings account post and every time I clicked on the CD the date for processing was extended, this happened twice. This was suspicious to me and raised my XXXX through the roof. I called again XX/XX/XXXX, as I am certain that when the deposit was made it reflected 2-3 days as the associate also stated and this is pretty standard. The representative tried to put me at ease of my funds will be processed on XX/XX/XXXX. I was not as I am 98 % certain that the processing date changed. If I knew I had to take screenshots of every capital one transaction I would have never opened an account. 

I called again on XX/XX/XXXX and informed the representative that their practices provide me with worry, and I do not care to have an account with capital one. I requested for them to release and return my funds. He stated that CD require a 10-day hold. I requested to speak to a manager, XXXX stated the same and added that although funds are held the account gains interest from the initial transfer and all their CD takes 10 business days. Had they disclosed the 10 business day, I would not have opened an account, that is very peculiar. 

I informed her that I read all the disclosures when opening the account and none of the disclosures informed the customer that a 10 business day hold is required. XXXX tried to find where it is documented in the disclosures and was also unable to locate the language. 

In my opinion, this is deceptive practices. It is required that terms of the account be disclosed. Customers can not rely on employees verbal attestation of how the account grows interest, transfers and holding of funds. 

This is first time in all my banking years that opening an account caused XXXX  and the only bank I did not feel protected and had to close the account within the first two weeks. All my other banks for over 20 years. 

It is also important to note that two deposits in the savings was posted while the same 1 transaction prior to was and is still processing. So they verified my identity... 

Attached is the disclosure from Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am seeking help getting information on exactly what Im making monthly payment towards. Back in the mid to late XXXX I attended a XXXX XXXX. The college was one of the newly accredited schools that was in a plaza. I took a 2-year course in XXXX  and received my XXXX XXXX in XXXX from the school. The issue is that I am still paying for the student loans I took out over 20 years ago. The loan has since been consolidated first with Sallie Mae, then with one other place before landing with Navient. I currently still owe over {$20000.00} in tuition to for a two-year course. What is worse is I also attended a private university in XXXX XXXX XXXX Florida named XXXX University  about 10 years after attending XXXX College and earned a XXXX. Both loans were consolidated with Navient in XXXX  so I have been paying on both loans for a little over 16 years. Currently I still have a balance of {$1300.00} combined on both XXXX loans but still owe over {$20000.00} on the loans I took out to attend XXXX college back in the XXXX. I need help, Ive inquired numerous times with Navient on a breakdown of what was disbursed to make up the balance I still owe and to date they have not been able to help me understand why Ive paid {$16000.00} ( only since 2006 ) towards the XXXX balance and still have over {$20000.00} left to pay on that loan. I am blindly paying for something I have no information on. I recently asked one of the reps to explain how I paid off a loan to a Private University  in XXXX XXXX Florida surrounded by Rich kids driving XXXX  and still owe over XXXX to the XXXX loan and she had no idea. I recently stopped my auto payment because the most recent deductions rose to {$730.00} a month. I can not afford to continue to pay for a bill when I Have no idea what I am paying for. If I paid XXXX and continue to pay thru XXXX an addition XXXX, that is over {$30000.00} for a two-year pop-up college. This can not not be legal, please help me. I also received numerous Pell Grants from the Dept of education from XXXX College as well, which makes the tuition balance even higher. And this all only represents what was paid in XXXX, what about the other payment prior to XXXX. Something is wrong and I need Navient to do the homework and tell me what I am paying for or stop billing me. I thought it was illegal to expect payment with no bills. Please help me. 
I attached a spreadsheet of what was paid to date for the 4 loans and what is outstanding. I included my Navient account number. Please help me, I have a XXXX daughter and I can not afford this.

Company response to consumer: Closed with explanation