vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 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: AL

Complaint narrative:
In accordance with Fair Credit Reporting Act 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: FL

Complaint narrative:
XX/XX/22 XXXX transfer posted for XXXX. 
Called the company the payment was supposed to go tothey received nothing. I called Discover and realized it was sent to the wrong account. They filed a dispute. 

I resubmitted the balance transfer, triple checking that all information is correct. I called the company that was supposed to receive the payment againthey had received nothing. I called Discover backsent to the wrong account again. Now they wont file a dispute for a certain amount of time even though they clearly see its going to the wrong account. And no one can answer why they keep sending it to the wrong account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Paid off balance in full as stated on the pay off amount on bill. Received a second bill for interest at XXXX, company stated this interest was incurred on a balance that was paid off before due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: REGIONS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
did not authorize this credit inquiry

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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Co LLC
State: IN

Complaint narrative:
I have disputed 3 accounts that are currently being listed by Debt CO XXXX. I have disputed the accuracy of the information both with Debt CO XXXX, XXXX and XXXX. I have disputed the accuracy of the accounts as they report an account open date of XX/XX/XXXX. When in reality the accounts were opened on in XX/XX/XXXX. After the initial dispute, XXXX stated that the information being reported to them was accurate. When I spoke with the original creditor ( XXXX XXXX XXXX ) they stated the account was opened on XX/XX/XXXX. When I asked for files pertaining to the account they stated they did not have them as they were forwarded to debt collections company ( Debt CO XXXX  ). I contacted Debt CO XXXX  to get the information on the debt ( validation of debt ) and they stated they would have to submit to submit my request for information to see whether or not I could get that information. The agent then stated if I wanted to go ahead and pay the full amount, they could do a pay for deletion. I asked for the documents validating the debt and I was informed again that they were submitting to see if my request would be approved. I asked how long it would take and they stated it could take anywhere from days to weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity took over account from XXXX. This is the NFL Card, which is supposed to have a 6 months 0 % promotional rate on ticket purchases. They have NEVER applied the purchases to the promotional balance. This also causes my payments to be incorrectly applied every month to what appears to be current purchases, causing interest on the promotional balances that expire. I call every month, I have sent them a spreadsheet of how the account balance and payments should have been handled. I waste an hour every month ( I'm on the phone with them 36 minutes this month and on-hold ) and I'm sure I'm not the only person this has happened to. 
The other 'perk ' to this card is Rewards. They have not had the rewards balances available the entire time they have had this account ( this is on ALL NFL cards ). 

My only purchases on this card are my season tickets. They are being billed monthly, the same amount, from the Washington XXXX XXXX, XXXX MD. There is NOTHING else I could be buying from the Washington XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-19 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: NC

Complaint narrative:
In accordance with the Fiar Credit Reporting act, XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 


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

15 U.S.C 1681 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 2022-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I'm adding my name to the list of thousands of unhappy Venmo customers who've had accounts frozen for no good reason. 
I opened an account so my friends could reimburse me for a hotel stay in Wisconsin, and made several requests. Venmo almost immediately froze the account, with {$240.00} ( the first reimbursement ) in it. 
Venmo says that I did something wrong ( although they won't say what ) and has demanded that I submit a copy of a photo ID, after which they will initiate a " review '' process that could take up to three weeks. I maintain that since all I did was attempt to use their product, their request for additional documentation is unnecessary and intrusive, and that they should fix the security software that " flagged '' my perfectly normal use of the product. 
To date, I have not submitted a copy of my ID, and Venmo refuses to send me my {$240.00}, nor will they return the {$240.00} to the friend who sent it to me. In short, Venmo is using {$240.00} of money that belongs to me, and if, as I understand is the case, thousands of others are in this same situation, that's a nice chunk of change for Venmo to hold on to while they stall around with repeated requests for ID and lengthy reviews. 

It seems axiomatic that inconveniencing customers should not provide an opportunity for arbitrage. ( The last time I checked my account, I noted that even though the account is " frozen, '' I can still make requests for cash. Which, of course, Venmo could continue to hold while they string this thing along. ) Venmo should not be permitted to use monies from frozen accounts to do business or in any way pad their balance sheet or bottom line : rather obviously, there should be no reverse financial incentive for inconveniencing customers or holding their money. 

I hope that CFPB can help me resolve my dispute with Venmo, and I also hope you will take action on making sure that Venmo is not deriving any benefit from monies in these " frozen '' accounts. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 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 XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A 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 2022-09-19 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: NJ

Complaint narrative:
I did not authorize this credit inquiry

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 2022-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I have been paying on this loan which seems like forever for instants last month after paying XXXX and some dollars the balance was XXXX and within no time its back up to XXXX and saying I owe XXXX and some dollars when the loan is only a month behind so it should only be {$200.00} the current month due in the one behind Also when Ive tried to pay it off over a year ago, it will only allow you to pay {$200.00} at a time when you try to speak to the people in the office all they do is scream at you and tell you theyre going to repossess your car. I thought car title loans were illegal in North Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, 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 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 2022-09-19 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, 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 2022-09-19 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: CO

Complaint narrative:
I called about 4 weeks ago and requested a refund for all payments I made during the COVID under the CARES act. Unfortunately, I still haven't received any update or refund yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
First off i would like to state that i am not receiving any help from a 3rd party with this, this is soley me XXXX XXXX writing this complaint. My complaint is simply concerning my credit reporting. i viewed my credit reports ( equifax XXXX and XXXX ) what shocked me is that items were removed from my credit report, but what i noticed is that those same removed items from my credit report has now been re entered on my credit report and that is a XXXX XXXX account that was removed and re entered on equifax, XXXX and XXXX there was a 2nd account that was removed and reentered, account XXXX XXXX XXXX, i never received anything in writing of the reinsertion in writing, not later than 5 busniess days after the reinsertion on my credit report, Another thing is i noticed that a medical account is on my credit report which is a frca violation as well in 15 usc 1681a ( 3 ) it says the exclusions from a credit or consumer report and medical information is one. CFPB i am certain that you will see this and not see it with any discrimation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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:
First off i would like to state that i am not receiving any help from a 3rd party with this, this is soley me XXXX XXXX writing this complaint. My complaint is simply concerning my credit reporting. i viewed my credit reports ( XXXX XXXX and experian ) what shocked me is that items were removed from my credit report, but what i noticed is that those same removed items from my credit report has now been re entered on my credit report and that is a XXXX XXXX account that was removed and re entered on XXXX, experian and XXXX there was a 2nd account that was removed and reentered, account XXXX XXXX XXXX, i never received anything in writing of the reinsertion in writing, not later than 5 busniess days after the reinsertion on my credit report, Another thing is i noticed that a medical account is on my credit report which is a frca violation as well in 15 usc 1681a ( 3 ) it says the exclusions from a credit or consumer report and medical information is one. CFPB i am certain that you will see this and not see it with any discrimation

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 2022-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
First off i would like to state that i am not receiving any help from a 3rd party with this, this is soley me XXXX XXXX writing this complaint. My complaint is simply concerning my credit reporting. i viewed my credit reports ( XXXX transunion and XXXX ) what shocked me is that items were removed from my credit report, but what i noticed is that those same removed items from my credit report has now been re entered on my credit report and that is a XXXX XXXX account that was removed and re entered on XXXX, XXXX and transunion there was a 2nd account that was removed and reentered, account XXXX XXXX XXXX, i never received anything in writing of the reinsertion in writing, not later than 5 busniess days after the reinsertion on my credit report, Another thing is i noticed that a medical account is on my credit report which is a frca violation as well in 15 usc 1681a ( 3 ) it says the exclusions from a credit or consumer report and medical information is one. CFPB i am certain that you will see this and not see it with any discrimation

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 2022-09-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
I want to sue Rocket Mortgage. Because of their incompetence and dishonesty handling my home buying process im now losing my current home Ive owned for 11 years and not able to secure the loan they assured me several times would close at the same time. Both houses werr under contract. When rocket mortgage said they could no longer fund the loan the accepted offer in the house ubwas buying was cancelled but my hkme was still under contract to close and now Im not buying a house in time for the closing date that was supposed to be simultaneously done. I worked with them sunce day 1 of the process including listjng my current home that im about to lose. I think of as being robbed of my home. I did everything they said and was assured kultiple thay everything was as it should be and to co tinue through the process. The person handling was incompetent and obviously not responsible enough to handle this job. I was giving preapproval letters. Their excuse, lack of accountibility, or taking any responsibilty for their actions is that since it has been longer than 30 days since i left my last employer they coupdnt fund the loan. My last daycwith the employer is XX/XX/XXXX and the last updayed preapproval letter was given to me XX/XX/XXXX. They gave me reassurance and a preapproval letter even after the 30 days. They never disclosed any information about their 30 day rule nor disclose to me they were using my previous employeers in to qualify me for the loan. I had already gotten another job Iwas supposed to start this month. They told me thay all they needed was the job offer acceptance letter from what would be my new employer. Not only have they just cost me my home, they cost me a job too. I want to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
Went into Infiniti of XXXX XXXX on last week to purchase a vehicle from an individual returning the vehicle from being leased. The individual and I agreed on an amount and I had my own financing through my bank for the vehicle however was told by finance manager at the dealership that I must use infiniti in order for them to carry out the transaction because the dealership would not make any money off of us otherwise. However he stated infiniti would not approve me for a loan and so he ran it with other banks which he did not discuss this with me prior to doing because I would have never agreed. However there was a bank approval of a 12 % interest rate which was unacceptable for me being that my bank offered me a 4.3 %. During the appraisal of my current vehicle for trade in purposes the finance manager stated that he noticed there was a card in my car of XXXX offered by another dealership which I stated to him the dealership offered me XXXX so he basically tried to prove that I was lying. However the XXXX was from XXXX in the XXXX was from Nissan. He Basically admits to seeing this car but that is going through my personal belongings because those cards were not out and visible. I sold my vehicle on Friday to XXXX and closed out the loan with my bank so that I could continue with the infiniti transaction which the dealership stated to be there on Saturday at XXXX XXXX to sign for the car and close the deal-Infiniti. They canceled two hours prior and told me we have to wait till Monday after I had sold my vehicle and had no transportation for the weekend. He also stated we would need a letter from my bank because theres been so many fraud cases with out-of-state banks and were not really making any money off this deal so we have to be cautious. That wasnt an issue, yes there probably is lots of fraud going on in regards to that but it was the fact that if he needed a letter from an out of state bank he shouldve just said that and left the part out about the Fraud because then it felt personal. Several things went wrong with this particular dealership

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I've contacted XXXX, XXXX in reference to acct not updated since XXXX  2022. They said they've reported & it's Experian who hasn't updated my credit report. Trying to speak with anyone at experian takes an act of 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