vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: SC

Complaint narrative:
I was approved with Avant for a credit card in XXXX and was waiting on it's arrival XXXX business days after approval. It should of arrived no later than XX/XX/XXXX ..... It never came. I spoke with a rep on XX/XX/XXXX, who trusted a card which was sent out on XX/XX/XXXX... Wait another XXXX business days. I spoke with a rep on XX/XX/XXXX because AGAIN, I haven't received the reissued card. He then stated that if it's not in my possession on Friday, XX/XX/XXXX, then I need to call back. Today is XX/XX/XXXX and I STILL HAVEN'T RECEIVED my card. I called, was on hold for almost 15min, and a lady answered. She stated that since I didn't get it, still, she'll reissue a 3RD CARD. I asked her why do they not know where these cards are going because I'm potentially looking at 45 days without my card after giving my personal information to this company who ALLEGEDLY sent two cards already. The lady was VERY RUDE AND DISRESPECTFUL, SASSY, AND DEFENSIVE regarding me asking where's my card, why this is happening, am I the only one, and why not rush deliver the card since they have so many to give out ( listen to the call. I Called Avant @ XXXX. Total time : XXXX XXXX )? She showed ZERO care and lacked customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: FL

Complaint narrative:
Since XX/XX/2022 I have been trying to get inquires that were not made by me cleared from my report. Last letter I sent into Equifax reported that I did not do FTC report correctly which is why they did not fix inaccuracy on my report. Now I am sending in new letter to get credit report fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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:
In accordance with the Fair Credit Reporting act XXXX Account 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 2022-07-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
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 Title 13 states that the person collecting the debt must notify the person and give any such steps in order to resolve the debt The FDCPA requires a debt collector to send written notice within five days of initial communication.

Delete this account immediately, unless you want to be held {$1000.00} per violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: SC

Complaint narrative:
I received a copy of my credit report and noticed some hard inquiries that I don't recognize. 

XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2022-07-07 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: GA

Complaint narrative:
In response to complaint number XXXX XXXX XXXX XXXX has taken longer than 30 days to investigate this dispute. The dispute was sent XX/XX/2022 and XXXX XXXX XXXX has been in response since XX/XX/2022. I have given them too much time to respond as it has been well over 30 days with no response. Under the rules of the FCRA this account should be deleted from my consumer report since the investigation was not completed in 30 days. I have attached a screen shot as evidence and proof of the date of dispute and lack of response for your reference.

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 2022-07-07 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: TX

Complaint narrative:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
Carrington Mortgage Services , LLC took over our mortgage from XXXX in XX/XX/2022. The account # is XXXX. We made our 1st payment to them XX/XX/2022 online for the regular payment amount. Then I sent in a check for principal only, and put that on the front of the check, for {$1300.00} and sent with their payment voucher and put that amount in the principal only box. They took that payment and treated it like a regular payment. I contacted them XX/XX/2022 when I discovered the mistake and was told it would take 5-7 business days to correct. 

I sent in our next regular mortgage payment XX/XX/2022 online and they have just put it in a suspense account. This should be been treated as a regular payment. 

On XX/XX/2022 I sent in a payment of {$700.00} for a shortage of escrow and they did post that correctly. 

XX/XX/2022 I sent in a payment online for the regular payment amount of {$1200.00} plus additional principal of {$710.00}. I don't know why they posted the regular payment amount to principal. They messed up this payment as well. 

I am fed up with this company. They are rude, and are misappropriating our money. I am afraid this is going to affect our credit score negatively. This is an absolutely TERRIBLE mortgage company. I have never had such terrible service. 

PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I am being denied all my payments that should count toward PSLF. 

I have been teaching for 25 years at a low income school which would qualify me for public service loan forgiveness which Biden just opened up more options to qualify where before I couldn't. I have been making payments for years, enough to count for XXXX payments. I had a bankruptcy in XXXX. I wanted to start a PSLF and they told me that I needed to consolidate my loans XXXX ( I had no choice ) and change my payment, which I did. I have never been in default on my loan and have done all that they have asked, through all servicers. Now Biden 's PSLF is qualifying everyone going back to XXXX, which would lend itself to my situation. I submitted application for and they told me that I couldn't qualify for PSLF because I consolidated my loans in XXXX ( for PSLF upon their direction ) This doesn't seem to make sense. And I am going to be penalized for their direction in the process and doing what I was told to do. I currently owe about XXXX, I have had XXXX qualifying payments ( that I can show ) and have worked at low income schools since XXXX ( all the criteria needed for PSLF ). When I try to reach out to student loans it is a hopeless action, there is no one to respond or answer calls, emails... To make matters worse, the process of PSLF keeps saying to wait as credits continue to change. I've waited months and months and mine haven't changed but I only got the letter that say it won't go back prior to XXXX. The deadline is XX/XX/XXXX for Biden 's program. I need an advocate because I am getting the run around and am running quickly out of time. Meantime my peers with similar situations are getting their debt wiped out. I am a single mom and this is not a little deal and would completely change my life circumstance. I am not asking for special treatment but for the same treatment that others are receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Convergent XXXXutsourcing INC XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX To : The Office of Registered Agent for Convergent Outsourcing INC From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to repre-sent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arro-gated paperwork intrusion upon the XXXX XXXX. Courts require your contract for ju-risdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly vio-lates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my pri-vacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX 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
Consumer complaint received 2022-07-07 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:
In accordance with the Fair Credit Reporting act Convergent Account US DEPT ED # 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 2022-07-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX ( Original Creditor : 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 2022-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I notice portfolio reporting on my credit report never receive any notification or did business with this company before sent them a letters asking for a contract with my signature and nothing. I have attach a copy of the letter I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I resided at XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. 
I resided there from XX/XX/XXXX to XX/XX/XXXX. During my residence there, I was never evicted. The apartments filed three judgments against me with the XXXX XXXX Magistrate Court. The leasing manager, XXXX XXXX, drafted and filed a letter with the Court showing that all judgments were satisfied. However, I have attempted to apply for a rental home and apartment and the judgment remains on my public record : XXXX XXXX. XXXX XXXX ( Filed on XX/XX/XXXX ) {$970.00}. I called the magistrate court and they confirmed the judgment is satisfied. This is also confirmed on the docket. I have a stamped copy of the satisfaction of XXXX 

XX/XX/XXXX Image Document Satisfaction of Judgment XX/XX/XXXX Image Document Satisfaction of Judgment The lawsuit was filed by attorney XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX. Phone : XXXX. 

Every third party the apartment or property management company for a rental home is denying me. They won't accept my proof. The attorney XXXX XXXX XXXX, XXXX XXXX Magistrate Court, or XXXX XXXX XXXX should resolve this matter. I checked XXXX, Equifax, and XXXX, and the judgment is not listed on it. This must be on a third-party tenant database.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My husband and I moved to XXXX XXXX XXXX. Since then I have been trying to register my car in the state of XXXX from XXXX Chase bank has been going back ad fourth with us for over year about where the title for my car is. I have never missed a loan payment. I figured a title request for a state transfer would be easy. My husband and have both called the bank close to two dozen time. Now we are told the bank got the title with the wrong name on it. Bottom line is, it took so long that the XXXX registration has expired. Without the title I can not register my car. I have to keep insurance on the car I can not drive. My husband and I both work full time jobs. We need both cars. Chase has 0 solutions other than wait it out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-07 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: MI

Complaint narrative:
Information being reported is incorrect. Show account as being paid settlement less than balance owed, when in fact account is/had been paid in full. This dispute has been going on since XXXX. 
Incorrect information needs to be deleted at this point.

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 2022-07-07 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:
please see letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX ( Original Creditor : XXXX XXXX ) # 1420 ****, 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 2022-07-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX ( Original Creditor : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account US DEPT ED # 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 explanation
Consumer complaint received 2022-07-07 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: GA

Complaint narrative:
In response to complaint number XXXX XXXX XXXX XXXX has taken longer than 30 days to investigate this dispute. The dispute was sent XX/XX/2022 and XXXX XXXX XXXX has been in response since XX/XX/2022. I have given them too much time to respond as it has been well over 30 days with no response. Under the rules of the FCRA this account should be deleted from my consumer report since the investigation was not completed in 30 days. I have attached a screen shot as evidence and proof of the date of dispute and lack of response for your reference.

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