vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
Per my request, Avant , LLC or XXXX XXXX  has failed to close my account, going so far as to deny the dispute I sent in through XXXX. The account is current with no past due amount or pending charges ; I sent in a request to have the credit line increased to improve my credit, they denied the request, so I want the account closed immediately. 

The credit card they sent out doesn't work anyways, when you try to use it, it immediately says that suspicious activity has occurred and that you must contact them, which I have no interest in jumping through hoops to use their subpar services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: NY

Complaint narrative:
I do not agree with the company furnishing negative information to Experian. This company is not following federal guidelines. In attempts to injury and coerce payment of the alleged debt they have furnished many negative marks on my consumer report which are affecting my ability to obtain credit. Experian nor any other consumer reporting agency has my written permission to furnish any information without my written permission.

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 2022-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I have tried to ask Westlake FinanciaXXXX for lower payments as I am struggling, I have also tried moving overdue payments to the end of the loan. There are always problems on their end with getting the paperwork to me and my cosigner, Everytime. Then I receive multiple, upon multiple calls everyday from different numbers from them. They will harass you constantly.

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 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I made a deposit on XXXX XXXX before the cutoff hour to make sure I wasn't overdrawn on that day, based on my online account balances that also showed pending transactions, on closing business day of XX/XX/2021 according to my calculations I wasn't overdrawn yet on XX/XX/2021 they charged me a {$36.00} dollars overdraft fee for a check cleared on XX/XX/2021, but I wasn't overdrawn, so I called the customer service line and they told me they showed me overdrawn. I went over to my local branch and got a print out of my account and they proceeded to tell me I was overdrawn on XX/XX/2021 because of two pending transactions, but I told her that on closing date XX/XX/2021 I was not overdrawn and that one of those transactions that they were telling me wasn't charged until the morning of XX/XX/2021. It should be law that I should be able to see what they see and that my account balances should be the same as I see them, if items are coming thru they should show on my account as pending. I am still not believe I owed that fee.

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 2022-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I summited a dispute on XXXX for 4 accounts. XXXX, XXXX  XXXX XXXX, XXXX XXXX, and XXXX. A response was sent back as accurate. I then sent another letter on XXXX asking for a method of verification. According to the FCRA, the credit reporting agency is required to give a method of verificatin within 15 days upon request. Never received it. Im asking that all items be deleted. they are clearly in violation of the law.

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 2022-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already challenged this " alleged debt, '' and I've written to Equifax and the company itself, but no one has responded. On XX/XX/2021, the account was last updated in the amount of {$380.00}, and I'm not sure where this money came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Date Opened : XX/XX/2019 XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$760.00} XXXX {$1200.00}

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 2022-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: MT

Complaint narrative:
ON XXXX XX/XX/2021 I've initiated 2 money transfer using REMITLY to XXXX. The amount in XXXX is Payment Details Submitted XX/XX/2021 XXXX XXXX PDT AND the second one Submitted XX/XX/2021 XXXX XXXX PDT Reference No. XXXX XXXX XXXX XXXX AND XXXX XXXX. XXXX Delivery XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Available XX/XX/2021 XXXX XXXX PDT XX/XX/2021 XXXX XXXX XXXX Payment Method XXXX XXXX XXXX XXXX Acct. ending in XXXX Amount Sent XXXX XXXX  AND Fee XXXX XXXX Total Amount Charged {$1700.00} XXXX Net Recipient Amount R {$10000.00} XXXX XXXX Rate 1 USD = XXXX XXXX AND Amount XXXX XXXX They receive XXXX XXXX Sent on XX/XX/2021 Remitly may earn revenue from the conversion of XXXX to other currencies. 
THE AMOUNTS WAS NEVER DEPOSITED AND SINCE THEN I HAVE BEEN CONTACTING REMITLY FOR MY MONEY BACK AND THEY KEEP SAYING THEY DONT KNOW B/C THE MONEY WAS TRANSFERED TO THE PARTNER BANK THAT IS NOT RESPONDING TO THEM AT THIS MOMENT AND THEY ARE AMKING ME WAIT FOR ALL THIS TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH has not given me due diligence to receive documents, and to respond to them in a reasonable amount of time. I received my mail today, Thursday XX/XX/XXXX. To my surprise, when I opened the letter, the items were due on the same day, today, XX/XX/XXXX. That gave me exactly 1 day to find all of the documents I needed. The letter from PHH is dated on XX/XX/XXXX, a Thursday, They gave me 14 days to get the document back, including 2 holidays, XXXX and XXXX XXXX 's Day, and weekends. I wonder what date they actually mailed the letter out since it would have been XXXX XXXX. The post office scanned the document to be delivered to me on Monday, XX/XX/XXXX. I received it on Thursday, XX/XX/XXXX. 

I must make a complaint about this because other people are probably being treated the same, and I am certain this is some type of regulation violation. 

Lucky for me, I have a service from the postal office that scans my mail, and dates when they received it, and will be sending it to me. If it weren't for this, I would be accused by the bank that I did not comply with their request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
The debt collector failed to provide information to verify debt when asked for validation of the debt. The original letter received from the debt collector did not inform me of my right to request validation of the debt within 30 days.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Try to freeze my credit but was unable 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 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Try to freeze my credit but was unable 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 explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
This {$200.00} debt was for a medical bill that was paid in full in XXXX of 2020. Statement of the bill was received in XXXX of 2020 and the bill was paid. Radius Global refuses to remove it from the system so it continues to show up on my credit score as a negative impact. My credit score of XXXX is brought down to XXXX because of this. I am a XXXX constantly caring for others but human decency isnt shown for us. I had asked that Radius Global remove delete this from my file since I do not have anything else negatively impacting my credit and they refused. Because of this I am unable to refinance my home which would bring down my monthly mortgage payment so that I can afford other things for my children. I have requested that radius global remove/delete this from my account but they refuse. There is no reason to purposely hurt someone elses credit and cause them to struggle financially. Especially if the debt has been paid.

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 2022-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In late XXXX, XXXX, I was offered mortgage loan forbearance during COVID by Wells Fargo. I did not call them, they called me. I accepted loan forbearance with the explicit understanding that during forbearance, no payments would be required, and no interest would accrue. At the end of the forbearance period, I would resume regular payments and there would be several options for repayment, including either extending the loan past the existing end date of the loan for additional months equal to the months of forefearance, or a block payment at the end of the loan. We started with 6 months, and multiple times Wells Fargo offered extensions up to 18 months. At each step of the process, I reaffirmed that interest was not accruing during forbearance. 

Now, back in repayment, on XX/XX/XXXX, Wells Fargo created a " Secondary Principal '' account in the amount of {$26000.00} apparently comprised of missed payments that includes accrued interest.

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 2022-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX, XXXX contacted Nelnet, whom Ive paid for my student loans for years, to find out who has my loans now ( since I consolidated for the XXXX program ), I was given a phone number to call. When I called the number, it was a number connected to a student loan processing center ( LLC ). I was lead to believe this company owned my loans ( bought from Nelnet ). 

XX/XX/XXXX, XXXXWhen I contacted the company whom I thought had my loans since Nelnet gave me the phone number, The agents walked me through the loan forgiveness process telling me I qualified to have over {$5000.00} of my loan forgiven. They assured me they would set me up on a payment plan and had all of my loan information, social security number, and personal information ready to start the process. I went through their 3 steps they insisted I write down and walked me through the contract process given them permission to start the repayment process. I sent them a picture copy of my drivers license as well. When I asked about payment set up, the agent assured me that it is processed through another office because she was not able to take payments for confidentiality purposes. Once I gave my debit card information to the person designated for this, I was assured that they would contact me before debiting my account. Later that day, I kept seeing emails from the Federal Student Aid ( FSA ) website stating my password was changed. While I was on the phone with them earlier, I didnt realize I was giving them permission to go into my account. During that time, they changed my account personal questions so they could continue to have access when I changed it ( I contacted FSA and we figured out this was how they kept access ). I immediately called FSA to see what is going on to find out I was scammed and that FedServicing Loans has my account. I called my bank and cancelled my debit card immediately. I then emailed the LLC to cancel services and request a full refund for the {$490.00}. I received a call from someone the next day who requested a credit card number to issue the funds back. I refused and went to my bank to rectify. Since, Ive contacted XXXX, experian, and worked with my bank compromised. I waiting to hear back from my bank on the verdict of the reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Hello there is a fraudulent account being reported on my XXXX for a Barclays bank ending in XXXX saying i owe {$3000.00} I have sent Barclays bank multiple id theft inquires all have been ignored and any investigation that has been done was awful. I am now talking with a customer debt lawyer if this complaint fails to remove from my credit report I will be suing Barclays bank. 

Please resolve this and remove this account from my credit report. if this account has received payments from a XXXX XXXX then please know that the XXXX XXXX XXXX was also open fraudently and should not be used as proof of verification.

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 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2022-01-06 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: AZ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022, I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. 
I contacted the Big 3 Bureaus who placed the inquiry and asked them to remove their credit inquiry from my credit profile, but to date, there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I received a call from Sequium Asset Solutions on XX/XX/22. They immediately asked me to verify my name and address. I replied saying I am more comfortable with her telling me what they have on file and I will confirm if it is correct. The lady ended the call. 

I called back and told the person who answered what happened and she asked for my name which I gave her. She gave me their website, www.sequium.com and a reference # so that I could look up my account. I kept her on the phone so that she could walk me through the screens. I put in the reference number and then it prompted me to enter the last 4 of my SSN which I entered, to no avail. I entered the last 4 of my SSN twice and got an error message saying it was invalid. The lady on the phone instructed me to enter 5900 which worked. I told her those number are not the last four of my SSN, but she said that is what they have on file. Also the address they have on file for me is from 7 years ago and she wanted me to give her my current address, which I refused. I then asked her who the original debtor is and she said it should show the name of the hospital on the screen next to 'Original Creditor ' but that information is not present. I told her their claim of my owing {$430.00} to an unknown party doesn't seem legit and that I plan to report them to the FTC. I then ended the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I rented a car with XXXX from XXXX for XXXX. There were no issues with returning the vehicle. On XX/XX/XXXX XXXX charged my card XXXX. I called to see what the issue was and spoke with XXXX XXXX. She couldn't find the reason for the charge and she stated she would investigate it. I never heard anything back from XXXX until XX/XX/XXXX. I explained my grievance as to why my card was charged for almost double the rental and again, I did not hear back from her. By that time, it was too late to dispute with my credit card company and I just paid my credit card bill. On XX/XX/XXXX, XXXX placed a collection on my credit report. I never received any documentation from the debt collector, no email or mail. I tried reaching out to them and I was told that I just had to pay. I explained I overpaid without explanation. The location where the car was rented has been closed so I could not go inside to get any documentation or speak with a representative. I overpay for the rental and returned it on time without any damage and on a full tank of gas.

Company response to consumer: Closed with explanation