vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have a Barclays XXXX and was charged for a service that I ( we ) did not get. The date of posting was XX/XX/22 in the amount of {$60.00}. On XX/XX/22, my husband went online to XXXX XXXX XXXX XXXX ) and paid for two seat upgrades for a return flight from XXXXXXXX to XXXXXXXX XXXX  for our XX/XX/22 return flight home from XXXX. Each seat upgrade was for {$30.00} and with the exchange rate, the transaction amount posted was {$60.00}. 
When we arrived at the XXXX XXXX, we did not get our upgraded seats as shown on our online receipt from XXXX and it was a full flight so they did nothing. 
When we arrived home, I contacted XXXX on XX/XX/22 ( XXXX ) and spoke with XXXX in Customer Service. She would not initiate a refund and instructed me to go back to the agency we booked travel with. That agency in turn said it was a XXXX booking and not theirs and could not initiate a refund. 
I called Barclays Card Services on XX/XX/22 and initiated a dispute of this charge. I was told to send in all documentation supporting my claim to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX which I did. I was given provisional credit for {$60.00} while they investigated my claim. On XX/XX/22 I received a letter stating that they had reversed the provisional becasue XXXX said it was a valid fee for a BAGGAGE FEE. I called in to XXXX XXXX on XX/XX/22 and spoke with XXXX who understood that it was NOT for a baggage fee and for seat upgrades and subsequently instructed me to resubmit all the documentation again. The letter from them stated that I may reassert my claim within 10 days of receiving this letter by sending it signed and dated which I did on XX/XX/22 which was within my ten days. 
On XX/XX/22 I received a letter from Barclays that they were outside of the permitted time frames to continue this claim through the dispute process and to seek refund from XXXX. 
I was well within their stated time frames and called in XX/XX/22 and spoke with XXXX in the Disputes Department. She stated their was nothing they could do and to pursue it with XXXX also. 
Under Regulation Z, I was within my consumer rights to assert this claim and should have received a refund from Barclays which should not be contingent upon their ability to collect.

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 2022-12-16 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: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
15 usc 1681 section 602 states I have a right to privacy 15 usc 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666b states a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose

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 2022-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I have been violated repeatedly and ignored by Kia Finance America/Kia Motors , and they refuse to send requested documentation. I have requests Debt Validation and Debt Verification and they refuse to comply by sending my requested documentation. I have sent other requests as well such as Right of Rescission, Billing Error Notice, 2 notarized Affidavits of Truth, Notice of Default and Opportunity to Cure, Debt Validation not verification. 

They continue to violate my federally protected consumer rights.

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 2022-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy 15 USC 1681 section 6 O 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 credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
There is a credit card on my credit sesame account saying it is thru CITI and I don't have a credit card at all and never have when I called them about it they told me said there is no credit card in my name or with my social security number but it is on my credit and has been for years. It was paid off then I got a update that a new authorized uses was added and a new amount was set and now it is back on my report

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 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-12-16 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: NC

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
In XX/XX/2019 my mother passed away. I have been trying to get the ownership of the house transferred to me. ROCKET MORTGAGE keeps trying to force me to go through probate. They won't accept my calls, return payments I make towards the home, and adds hidden fees to the mortgage. This has dragged out due to the Covid 19 pandemic.

Every single lawyer I've spoken to says that probate is not required. I live in North Carolina where probate is not necessary to become an heir of the home she left behind. I am the only child and my mom did not have any partners when she passed. ROCKET MORTGAGE is following its own made-up policies and failed to follow the law of the land. They are trying to take my home away from me. They blatantly ignore me and cause so much turmoil. I just want everything squared away and taken care of. 

I want to take care of my mother 's home and assume rightful ownership. They even promised to put me over the mortgage if I got get some documents notarized and signed, but when I send them in, all I get are crickets. 

I have requested and completed the Potential Successor in Interest Acknowledgment forms about 5 times so far with no response. Either they say they never received the documents or they withhold information about the loan. Getting information on what I should do is like pulling teeth.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
To Whom it may concern, I have submitted my escrow analysis with Freedom Morgage company for an update on my taxes since XXXX XXXX I have called and complain to the company on why this problem has not been fix all they tell me is call back in 8 days and they keep pushing the issue on and on. The company quoted me for XXXX a year as a Morgage payment in which, I have proven that is not XXXX its XXXX a year. The company refuses to deal with the issues nor fix the problem in which they are over charging me. I spoke with the escalation 's specialist XXXX XXXX XXXX from freedom Morgage, and she stated they received the information, and they will look into in which nothing has been done in over 2 months and I'm stuck with an overcharge for the past 8 months since we bought the house. Please 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 2022-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: American First Finance, Inc.
State: MI

Complaint narrative:
On Tuesday XX/XX/2022 at XXXXXXXX XXXX  I entered XXXX XXXX XXXX XXXX XXXX XXXX '' store to finance some furniture for my household. I was told to fill out an online application to see if I qualify for said loan. At XXXXXXXX XXXX  I was denied for the credit after they ran my credit. They told they will send out an adverse action notice to my email address that I provided to them with more details of why I was denied. I still have not received the notice and as far as I know when they ran my credit a consumer credit transaction has to have taken place. Which they did not disclose the material facts with me at the time of the credit application being filled out and I did not receive any furniture. It is unfair that they have discriminate against me after I gave them my social security card number. Pursuing 15 USC 1602 ( L ) my social security card is my credit card so how can they deny me after I supplied them my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: WSFS FINANCIAL CORPORATION
State: NY

Complaint narrative:
Someone used my identity to open a credit card account and it is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
My soon to ex-wife, XXXX XXXX XXXX and I purchased a vehicle through Exeter Finance in XXXX. Exeter assisted us in the beginning with 8 extensions when I started becoming ill and ran into hardships, however, over a period of time, I became more XXXX from XXXX XXXX XXXX XXXX XXXX XXXX. I have tried to inform Exeter Finance of all of this over 3-4 months and I received no support, no respect, or no assistance. I am currently XXXX  due to my XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX. I have been suffering from XXXX  & XXXXXXXX XXXX with XXXX  of my XXXX XXXX. I only receive my XXXX compensation and I am in a financial hardship, I have even tried voluntarily surrending the vehicle back to them, however, Exeter claims that XXXX XXXX who wasnt making any payments to the vehicle told them to keep it. I still try to keep them up to date on my status with if I am able to pay something or not and inquire if they have obtained the vehicle from XXXX XXXX in Virginia, in XXXX XXXX XXXX XXXX XXXX, and they still have not picked the vehicle up to this day. They always inquire where the vehicle is like I havent informed them where they can pick the vehicle up at. Exeter Finance even informed me not be near the vehicle because of their policy when they repossess the vehicle, however, they still have not picked the vehicle up. Exeter Finance will not update their records to reflect, I am a XXXX XXXX  XXXX  who does not work. They intentionally have listed as being employed making the same amount of money I use too to justify that I have the means to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: GA

Complaint narrative:
Transunion has allowed XXXX XXXX to report an account to my credit file without obtaining verification. I have contacted XXXX XXXX course house and will be filing a case against Transunion and XXXX XXXX. XXXX purchased this account from XXXX XXXX XXXX XXXX. XXXX XXXX is aware of fraudulent charges on this account. I disputed this account within the 30 day window with XXXX XXXX and Im still waiting on documents I requested from them and validation of this account. According to the Fair Credit Reporting they must provide me with that information and they hadnt. Therefore, XXXX XXXX XXXXs not allowed to report any type of account to any credit bureaus. At this point Transunion is liable just as XXXXXXXX XXXX for damages to my credit file. I will have a court house case number within the next 3-5 days At this point, Im not playing and I am tired of companies thinking they can do what they want to do to consumers and not pay for what they have caused. Im a new me and Im not letting anything slide anymore. I am fed up I will contact the news team and have them put you all on blast and see about co rafting other consumers that was affected by this same issue. This has to stop like now. XXXX XXXX is only in business because of them pigging back off of other companies and not having their own legs to stand on. Enough is enough. Ive asked for XXXXXXXX XXXX provide all signatures on every last transaction that took place on the XXXX XXXX Account. Im still waiting and therefore this account can not be reported on my credit file. I responded within the 30 window. To XXXX XXXX  and the Consumer Financial Bureau has it on file just in case I need to add additional fees to my case. I attached a letter for XXXX and XXXX  stating that this account is not on my credit file and will not until they provide me with the information I requested so why did you all allow this account to be place on my credit file. Remove it NOW or you will be held reliable to.

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 2022-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
In XXXX, I established a XXXX business bank account for my business to professionally accept payments from clients. On XX/XX/XXXX, my first client sent {$2500.00}. I attempted to transfer {$2400.00} to my bank account after the client sent the funds to my Square account, but Square sent me an email stating that they were deactivating my account and putting my funds on hold for 90 days. The first paragraph of the email stated " Were sorry to inform you that weve had to deactivate your account. Based on the information you provided about your business, were not able to support your business needs right now. You wont be able to process payments with Square. Unfortunately, this decision is final. '' I immediately responded to Square with an email asking for clarity and pleading for the immediate release of my funds. I did the same on XXXX. It has been three days, and I have heard nothing. There is no phone number to call and apparently no willingness to help. I was relying on these funds to support my work and my family. Having reviewed online reports of the same experiences with other customers, I have come to the conclusion that Square does this often. I did nothing wrong, and I now have money seized by this company. It's unethical. Where is my money? Why is it being held? No reasonable person would say this is okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: FL

Complaint narrative:
I am the living man, executor, beneficiary of. It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid this credit reporting agency has not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite thXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit reporting agencies have done to me.

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 2022-12-16 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: NY

Complaint narrative:
Someone used my identity to open a credit card account and it is affecting my credit score.

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 2022-12-16 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: FL

Complaint narrative:
I have attached an FTC report with a collection and inquiries I did not authorize and they are fraudulent please delete

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 2022-12-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than XXXX days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Prime Recovery LLC
State: MS

Complaint narrative:
Prime Recovery LLC, has text me several times. I have demanded verification of my consent for them to contact me via a reply to their text and it has been ignored. Prime Recovery has violated 15 U.S. code 1692c ( a ), I did not specifically give Prime Recovery LLC consent to contact me. Also the text were sent at an unusual time, their assumption of a convenient is incorrect for me. I do not have a debt with Prime Recovery LLC and will not tolerate their harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company is reporting a late payment on my credit report which is inaccurate It has been paid in full and needs to be updated on my credit report to transunion and XXXX. under the law 15 usc 1681 they should update my information as accurate and correct. ythis is keeping e from being aboe to run my business properly because of the late payment. please remove it from ny credit report immediately

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