vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
XX/XX/2023 I called the customer care line provided by Avants website ( XXXX ). I told the agent I lost my card and they transferred me to another representative, the next representative said they would have to transfer me as well, stating they'll they were having technical issues as the reason. The representative eventually hung up when I asked why. I went back to the Avant mobile app, to where I see my card number has been changed. I call and ask why, this representative tells me the new card was issued and sent already. I found this to be odd because I was requesting that my card be sent to a new address. All my mail to the address on file with Avant is to be forwarded to my po box in NC, I assumed I'd wait. I waited for the card and all I found is that my card had been used at a gas station in XXXX, NY. I'm currently located and scheduled for work in Virginia Beach, it's impossible that my card was activated and used to my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I tried to fix the last payment with XXXX XXXX XXXX report on Equifax say it's on the XXXX say it on the XXXX and Equifax say it on the XXXX and XXXX XXXX stopped reporting to the Equifax. I just want to fix the reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rolfe & Lobello, P.A.
State: FL

Complaint narrative:
This debt collector Rolfe and Lobello is in direct violation of my privacy right by contacting my employer XXXX XXXX which in turn shared my information with adp a payroll  company to garnish my wages for twenty - percent per pay period until debt is paid in full. I did not authorize my personal info to be shared by anyone which is a violation on XXXX  act. The balance is intentionally being reported with incorrect info from rolfe and labello as of this email my balance is XXXX they are reporting my balance at XXXX which is inaccurate. per these violations i am asking for garnishment to be dissolved and all money be returned asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), you are required to promptly delete all information that is inaccurate, incomplete, or unverified. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 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: MD

Complaint narrative:
Venmo has frozen my account. They insist that i send them bank statements including the bank linked to my account. I have done that and they continue to freeze the account asking for " A statement for the BANK that you were attempting to add on XX/XX/23. '' I frankly do not know what they are talking about but they claim for security. Since they didn't add this account and i have validated my identity and the correct funding account it is also irrelevant. Meantime, there is XXXX locked in the accoutn and it is literally IMPOSSIBLE to get a human on the phone to resolve this problem. Frankly, i would close the account and never do business with them again, but there are payments recipients that will only accept venmo. I am trying to get them to XXXX which at least has some customer service Anyway, it is fine that they want to validate my identity and my linked account - great - but now that's done and we are still going in circles related to a mysterious bank account which is not even linked to the venmo account anyway! there's no point other than to be difficult while they sit on the cash ( my mistake for not withdrawing every cent immediately which is my normal practice ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 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: FL

Complaint narrative:
I am contesting any information on my credit report that I believe is not accurate. The data included in the copy of this document has not been verified and should be documented before it can go onto my file as a result! The report that you have received is not accurate. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it doesn't meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all of your claims need to be accurate and reported in the correct format. This requirement goes by two names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ), Metro 2 I demand proof of how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to investigating these suspected claims on your end. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove the information from my report. I also would like for you to mail me a copy of your actions and my updated credit report. The information you have provided does not appear to be accurate or verified. If any of these claims are false, please delete them immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 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: FL

Complaint narrative:
I am contesting any information on my credit report that I believe is not accurate. The data included in the copy of this document has not been verified and should be documented before it can go onto my file as a result! The report that you have received is not accurate. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it doesn't meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all of your claims need to be accurate and reported in the correct format. This requirement goes by two names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ), Metro 2 I demand proof of how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to investigating these suspected claims on your end. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove the information from my report. I also would like for you to mail me a copy of your actions and my updated credit report. The information you have provided does not appear to be accurate or verified. If any of these claims are false, please delete them 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
Consumer complaint received 2023-05-13 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:
In accordance with the fair credit reporting and XXXX  account XXXX XXXX  {$10000.00} has violated my rights 15 U.S.C 1681 section 602A stats I have the right to privacy. 
15 U.S.C 1681 section 604A section 2 It also state consumer reporting 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 2023-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi XXXX XXXX had an offer for XXXX, where I would receive {$30.00} cash back for spending {$100.00} or more at XXXX. I added this Merchant Offer to my Citi XXXX card, and then made a {$100.00} purchase on XX/XX/2023. As required by the Citi XXXX XXXX terms, I did NOT use any other promotional offers on this order. It has been more than XXXX weeks, but the {$30.00} Citi XXXX XXXX credit still has not posted. The Terms of the offer do not include any information on by when I can expect the credit to post. On XX/XX/2023, I chatted with an agent on XXXX regarding this issue, but the agent was extremely slow to respond and could not even locate the offer after almost XXXX minutes.

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 monetary relief
Consumer complaint received 2023-05-13 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:
In accordance with the fair credit reporting and XXXX  account XXXX XXXX {$10000.00} has violated my rights 15 U.S.C 1681 section 602A stats I have the right to privacy. 
15 U.S.C 1681 section 604A section 2 It also state consumer reporting can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: TIDEWATER FINANCE COMPANY, INC.
State: KY

Complaint narrative:
this account is not mine and needs to be removed i have contacted the company and they fail to remove both accounts also the other tidewater car loan i had for 6 years and the starting balance was XXXX in five years they said i only paid XXXX dollars which is false and they repo my car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: FL

Complaint narrative:
I am contesting any information on my credit report that I believe is not accurate. The data included in the copy of this document has not been verified and should be documented before it can go onto my file as a result! The report that you have received is not accurate. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it doesn't meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all of your claims need to be accurate and reported in the correct format. This requirement goes by two names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ), Metro 2 I demand proof of how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to investigating these suspected claims on your end. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove the information from my report. I also would like for you to mail me a copy of your actions and my updated credit report. The information you have provided does not appear to be accurate or verified. If any of these claims are false, please delete them 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 non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Captal one told me the account was fraudulent don't have pay it back and other close but it so delinquent by Capital One XXXX  XXXX turn around sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Summary : This is a complaint against CitiBank/CitiCards, the administrator of the BestBuy credit  card. I was unable to dispute two {$10.00} fraudulent charges because they indicated that they could not verify my identity. I closed the account as a result, but the two fraudulent charges remain. 

I have been a BestBuy cardholder through CitiBank since XXXX. I have never had as much as a late payment on my account. On Thursday XX/XX/XXXX, I received several alerts that my card had been used to make several large purchases that I did not make. The purchases totaled over {$1000.00}. I live in Michigan and these transactions were conducted in Texas. The perpetrator was attempting to pickup the items at a store in XXXXXXXX TX. 

I immediately cancelled the orders on BestBuy.com and then called the Fraud number to dispute the charges and report the card as stolen. I logged in again the next day and identified 2 more fraudulent transactions ( see screenshot below ). Since the card had been closed, I was no longer able to cancel or dispute the charges online so I called the same number and they told me that they could not verify my identity. I thought I would be able to get registered online again once I received my new card, but I was unable to. So these charges still need to be cancelled ; I officially disputed the charges as of XX/XX/XXXX, well within the regulatory requirement for consumers to report unauthorized transactions. 

I called CitiBank/CitiCards customer service on XX/XX/XXXX to get assistance with activating the replacement card and registering online. They once again told me that they could not verify my identity. I feel as though I was being treated like a criminal, but the actual criminal would have gotten away with huge purchases if I didn't catch it myself. After being unable to help me, I ended up asking the rep to close the account. 

It should have been relatively easy for the fraud department to determine that my account had been taken over by a fraudster simply based on my phone number, address, prior purchase history locations, etc. The email address and store location used by the fraudster were both different from anything aligning with my history. I never made any attempt to change the existing address, phone and email information which would have been a red flag. I am still not sure why this was handled so poorly by such a large financial institution.

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 monetary relief
Consumer complaint received 2023-05-13 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Disputed charge : Did not authorize charge, did not recognize charge. Opened a dispute with LL Bean Mastercard. 

LL Bean Mastercard case # XXXX Transaction Date : XX/XX/XXXX, Amount {$50.00} Dispute first entered : XX/XX/XXXX {$50.00} On the statement, this information was shown : Transaction Date XX/XX/XXXX DESCRIPTION XXXX XXXX XXXX XXXX WA Amount {$50.00} Statement Date XX/XX/2023 Reference Number XXXX POSTED Transaction ID XXXX Merchant Category XXXX XX/XX/XXXX, signed the required letter and uploaded it to the LL Bean Mastercard site . LL Bean Mastercard required us to sign the letter, stating that we are disputing the charge and that we had not authorized the charge, and that, if needed, the account would be closed and a new card issued. 

After waiting for information, I realized that the Mastercard activity showed a phone number for the XXXX transaction, so I called the number shown. Also, we only use our LL Bean card for LLBean purchases. We never use it for anything else. We use a different XXXX credit card for all other purchases. Our XXXX account does not have the LLBean credit card. When I called the XXXX number, the person on XXXX looked up the transaction, and said the transaction was for a gift card, and was under the name of a different person, not anyone in my household. I have the chat history for that. 

I submitted that information to Mastercard. At first it seemed they resolved in our favor, but then they reopened it, and said that we put in the charge and that we now had to pay a late fee. So I re-opened a dispute in XXXX. Then they said that I need to submit proof that it was fraudulent, by uploading documents or proof. I have been trying to upload screen shots of my chat with XXXX, but the Mastercard website has an error that does not allow uploading documents. It seems that they are making me run around in circles and making it very difficult to prove that we did not authorize the transaction.

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 monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
I was originally with XXXX XXXX throughout the pandemic and was on XXXX orders overseas and had put in for a forbearance. However, XXXX XXXX refused to acknowledge and adhere to an agreement. This was all sent in and report to Credit Bureau. My unit got wind of it and almost had lost my Too XXXX XXXX. My mortgage was directed to Carrington in XX/XX/XXXX and was treated the same without any assistance. Due to this matter I had lost my XXXX XXXX and downgraded to XXXX which i had to pay out of pocket for an attorney ( {$4500.00} ) to fight to keep my XXXX XXXX because Carrington is not adhering to the forbearance ( XXXX XXXX ) that I was advised they could assist me in after losing my clearance as a result of XXXX XXXX and Carrington meaning I had lost my position form XXXX to XXXX. Carrington has sent another report to the credit bureau and is now threatening to take my house if I dont pay the {$9000.00} within 30 days. Not to mention Im on XXXX XXXX orders while my husband has retired from the XXXX w/XXXX percent XXXX ( XXXX yrs served ) and recently losing my Father to XXXX. This is unfair after serving 18 years in the military and still XXXX XXXX to be worried about my clearance being revoked for a situation I couldnt control. *** Tried ATTEMPTING TO MAKE PAYMENT VIA WEB ON XXXX THOUGH NOW AND UNABLE TO. This is unacceptable and horrible the way they treat their customers IM CURRENTLY OVERSEAS AND CARRINGTON HAS NOT BEEN HELPFUL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, 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