vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 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: NY

Complaint narrative:
in accordance with the 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 15u.s.c 1681 section 604 A section 2 it also states a consumer reportiong agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
On XX/XX/2022 I was alerted by XXXX XXXX that a hard inquiry was made using my credit profile. The inquiry was made by XXXX  / Avant LLC located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. I called Avant LLC at ( XXXX ) XXXX and gave them my name and social and they told me that someone had applied for a credit card and was approved. 

I asked them for the address and all information associated with the account. They refused to provide any information to me. 

I requested that they immediately cancel the credit card and send me written confirmation via email that the account was in fact canceled. They refused. 

I informed them that thy were knowingly participating in a fraudulent act. They told me there was nothing they could do. 

I asked to speak to someone in their Fraud department. They told me that someone would contact me. No one has contacted me. At this point it would appear that someone has stolen my identity and that Avant LLC is complicit in this act. There should be serious consequences for a company to participate in fraud. 

They refuse to provide any information regarding this fraudulent activity. Per XXXX, a supervisor in Credit Cards, who refuses to provide any further any identifying information. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Today, XXXX XXXX I found that part of my pay had been garnished by Transworld System. I have not received any phone calls or letters by this company before my wages were garnished. I did owe some money to the XXXX XXXX XXXX XXXX in XXXX but that was charged off and wipe from my credit report in XXXX. Also I was paying my taxes to California at that time and the statues of limitation for a company to sue for a debt is four years in California. right? Today, when I spoke with a company rep from Transworld, he said that they talk to me in XX/XX/XXXX about this debt but I was deployed to XXXX, XXXX with my family. So how did I talk to them while I was overseas. I disputed the charges with the company but the rep said they are still gon na take money from my check each month. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: Experian Information Solutions Inc.
State: IL

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

ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT # XXXX 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 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15U.S.C. 1692 b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;

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 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I filed a complaint with chase for 2 charges to my account on XX/XX/21 the charges were refunded on XX/XX/21 then charged back again on XX/XX/21. I have tried for a month to fax over m6 paperwork to chase and it never went through. I then spoke to the claims department to get the mailing address and mailed it. I had been calling back to check but they kept telling me it's not completed. Now today I was told that the company XXXX sent in proof of the charges in XXXX. I was never notified or received this information. I have proof that I could not of made these charges because I was flying from XXXX OH to XXXX XXXX fl. I want these charges reversed along with the overdraft fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

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 2022-05-13 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX has failed to properly validate this account and has slandered my personal credit profile. I sent them a letter XXXX XXXX in which they failed to respond with justifiable proof in the allotted time frame. At this point my rights have been violated and my personal credit profile slandered. According to these laws there's nothing more to discuss 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-05-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
My name is XXXX. Im trying to know why I was sent to collections. It is from XXXX XXXX XXXX. I had monthly service with them of {$90.00}. Then out of the blue they sent me a bill of {$300.00} so I called them and they said they couldnt help it so I never payed it. And now in collections theyre saying i did not pay 3 months of service or something similar. But the truth is that I dont owe them that. I reached them about it and said they did not have any number to contact them. Now Im just sitting here waiting because they now have it in my record and I cant do some of the stuff I have to do legally. Come on! This is from XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Hello, I am submitting a complaint for resolution against my lender XXXX XXXX XXXX PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX First of all I, XXXX XXXX is submitting this complaint and not a third party on my behalf. pls contact me at XXXX XXXX XXXX or email XXXX if need further verification- call me or email. I have received emails from my lender on XX/XX/XXXX XX/XX/XXXX in XX/XX/XXXX as well clearly stating that if I reach out to them they my lender will go ahead and extend 90 days forbearances which will expired XXXX. In XXXX, I tried to contact my lender and overnite request on XXXX to extend the forbearance per their emails - proof attached. I was able to speak with my relationship manager, XX/XX/XXXX. My relationship manager, unfortunately, informed me on a recorded line The lender will not honor the email that was sent out on XX/XX/XXXX and XXXX -- - PROOF ATTACHED- that clearly states if I called, they will extend forbearance. I was also not informed in writing or via email that after XXXX  months they will never give an extension. this email contradicts the phone conversation that I had with the relationship manager. I believe the lender shall not be allowed to send misleading emails to borrowers at this time that we are all struggling due to job loss and health issues. the email is a part of my complaint it is confusing it is not clear and it is misleading. Please read the letter below my lender will not give me access to my account via the Internet, I have to call my relationship manager directly I am not sure what is the reason for cutting my access to my documents. I NEED XXXX DAYS I am XXXX  and going through a divorce as well. I can proof my Hardship do to XXXX  as well in court. 


-- -- - Forwarded Message -- -- - From : Relationship Manager XXXX To : " XXXX '' XXXX Sent : Thursday, XX/XX/XXXX, XXXX XXXX  PDT Subject : Important Account Information Dear XXXX, Please be advised that your COVID-19 forbearance plan will end on XX/XX/XXXX. Please contact us using the phone number listed below should you wish to extend the plan. This account has been assigned a Specialized HRD Escalation Agent as a single point of contact. If you have any questions regarding the account or options that we may have available, you may reply to this email or contact ( XXXX ) XXXX to speak with the Specialized HRD Escalation Agent, XXXX XXXX XXXX XXXX is your designated contact for inquiries and the submission of documents as needed. XXXX is available during the following hours : Monday Friday 9:00 AM 6:00PM ET

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed this acct ending in XXXX 2 times for several late payments being reported for XX/XX/XXXX, XXXX, XX/XX/XXXX, and no payment listed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on the acct which are inaccurate. 

The 1st dispute was done online and equifax is telling me that the verified all these late payment no payments are accurate from their investigation.So 2nd dispute was done by us mail and i mail documentation that included billing information that verifies payments for the acct to equifax on XX/XX/XXXX, a month had passed and i never received any response to my dispute. 
On XX/XX/XXXX i called equifax customer support number and ask for status of my dispute, the customer service rep said there is nothing showing in their system for my dispute, i explained to her my tracking number showed it was delivered to XXXX XXXX XXXX in XXXX, XXXXShe said she would transfer me to consumer affairs once someone in that dept becomes availble, i ask her if she has ever seen this happen before, she said " yes '' .After aproximately 20 mins, i was transfer to a consumer affair rep, who did some checking and said we dont have a dispute in our system, i explained to her the post office tracking number for the letter shows it delivered on XXXX suggested i send another dispute, i told her that F.C.R.A specifies 30 days and this is already day 35.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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:
in accordance with the fair credit reporting act, the holder of these accounts have violated my rights to privacy. 

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 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 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I applied for a XXXX  card with Bank of America. I received an email from BofA on XX/XX/XXXX informing me my application had been received. 

On or around XX/XX/XXXX, I received the first of XXXX credit cards. I immediately created an online account and setup " XXXX XXXX '' on their website. On XX/XX/XXXX, I received XXXX small deposits from BofA that I needed to validate to activate XXXX XXXX. I did this immediately. While the initial payment was due on XX/XX/XXXX, I assumed there was sufficient time for XXXX to work. It did not, and I was charged a {$29.00} late fee and {$16.00} in interest as I had started to make purchases using the card. The initial balance due on XX/XX/XXXX was the annual {$75.00} card fee. 

I called BofA on XX/XX/XXXX as soon as I learned my bill was past due. The agent I spoke to reversed the {$29.00} late fee but did not have authority to reverse the {$16.00} in interest charges. She left a note for a manager to call to discuss the latter fees. 

On XX/XX/XXXX, XXXX XXXX from BofA called to inform me that the bank would not reverse the interest fees. I informed her that I had setup XXXX timely as well as validated the micro-transaction timely nearly 3 weeks ahead of the first due date. She repeated that she would not reverse the fees.

I find this is an unacceptable practice by banks to extract more fee income from consumers when these system features can be activated nearly overnight. Issuing banks have been doing this for years and there is no excuse for them to require 1-2 billing cycles to flip an automated switch.

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 2022-05-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

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 2022-05-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... I have also been affected by the Equifax data breach and believe it has gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person .... I have also been affected by the XXXX XXXX XXXX and believe it has gotten into the wrong hands.

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 2022-05-13 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: SC

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: AZ

Complaint narrative:
I was working with XXXX XXXX XXXX # XXXX at XXXX, XXXX XXXX # XXXX on XX/XX/2021 in order to refinance my home for a lower monthly mortgage payment and better interest rate. I received loan documents from SunWest Mortgage Company XXXX Inc. XXXX XXXX XXXX on XX/XX/2021 that were incorrect. I advised XXXX XXXX of this. New loan documents were sent to me but again they were incorrect and I advised XXXX XXXX that again the documents were incorrect. Later I heard that XXXX was offering an even lower rate of interest so I emailed XXXX XXXX asking him about a new lower rate. He never responded. When I emailed him asking for the loan documents he said that I could not get the same rate as quoted in the previous loan documents. I have tried to contact other lenders to get that rate but they have all now raised their interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Unauthorized hard inquiries that were reported as follows XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX 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. 

Attempted to dispute inquiries with all 3 credit bureaus and were coming back as validated when clearly I have not attempted and had no awareness of attempt to open listed accounts above.

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