vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I received an email with Avant Settlement Agreement - 3 pages - The agreement entered between me and Avant , LLC and reads that I am agreeing to make a settlement payment of {$760.00} on XX/XX/XXXX. Avant agrees to settle my outstanding balance in full of the condition that my Settlement payment is successfully processed within 5 days of the XX/XX/XXXX, and the payment is not returned. 

I made a payment with an Avant Collections Rep that recorded our conversation, promising me a letter or email once my payment cleared. Payment was made on XX/XX/XXXX for {$760.00} as stated in settlement agreement. 

I never received an email or letter from them. Instead, i received a statement that I had a new balance of XXXX and a minimum payment of {$180.00} and due on XXXX. 

I was told that my account was in review, and I should be contacted in a couple of days. 
I received an email saying, thank you for your complaint, we should contact you in a couple of days. 

XX/XX/XXXX - Received another statement with a balance of XXXX and a total minimum payment of {$360.00} due on XX/XX/XXXX. 

The agreement is in writing by them, and I was deceived twice, once with their email and then when I spoke with Avant Collection Rep. 
Now they are trying to collect more money from me after i paid the quoted pay off amount. 

I wrote the XXXX credit bureaus and i answered by XXXX, that there was a loan modification. A loan modification but I wasn't informed of it. Their statement don't read such modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
This is a phone bill me and my sister shared. 
My sister stop making her portions of the payments and I could no longer continue with the installments by myself. I notified XXXX  of this and sent both phones back as per their request. This {$1300.00} was reported to my credit report 7 YEARS AGO. Ive called numerous times to ask and to be given proof on how and why my balance is {$1300.00} and I didnt have an answer then and still dont have an answer now. That amount is not correct. Im a new single mother and the sole provider of child. I can not afford to pay {$1300.00} out of my pocket. This debt is from XXXX. It was taken off recently than all of a sudden a different collection agency picked it up and reported it to my credit report again. By law if something is XXXX XXXX XXXX it must be taken off your report which is why it was taken off recently. This Jefferson collection agency has been calling and sending me mail about a {$1300.00} debt that I still have no clue on why its {$1300.00}. XXXX cant even give me an answer because they cant pull up the account from it being too old. I need help with this. This is affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been reaching out to the credit agencies for months to have information on my credit profile updated. Each of them are reporting inaccurate information and are violating my rights as a consumer. I have requesting the investigation process they took to verify that they are reporting correct info and still havent received it. I have also sent proof that inconsistent and inaccurate info is present and asked for it to be fixed. My next step is to contact the attorney general for my state in hopes that I will get remedy for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been reaching out to the credit agencies for months to have information on my credit profile updated. Each of them are reporting inaccurate information and are violating my rights as a consumer. I have requesting the investigation process they took to verify that they are reporting correct info and still havent received it. I have also sent proof that inconsistent and inaccurate info is present and asked for it to be fixed. My next step is to contact the attorney general for my state in hopes that I will get remedy for this.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: OH

Complaint narrative:
Westlake Financial reported to lates on my credit account and neither are correct. One late was reported on XX/XX/XXXX and the other XX/XX/XXXX. I have asked them to provide proof or remove and I have not received any proof nor have they removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
XXXX XXXX received notice that XXXX  property taxes had not been paid. And taxes +interest ( {$1600.00} ) was due by XX/XX/XXXX. 

XXXX XXXX called Mr Cooper and was told I had to email, fax or mailthe notice to the tax division which doesnt have a phone number to talk to someone. 

XXXX XXXX email sent. 

XXXX XXXX received email from Mr. Cooper saying the tax was paid and no further action was needed on my end. 

XXXX XXXX received final notice of delinquent taxes in the mail. ( {$1600.00} ) XXXX XXXX called Mr. Cooper to verify the taxes had been paid. They said yes. 

XXXX XXXX XXXX visited XXXX XXXX, XXXX XXXXax office and was told they didnt receive anything but if I could get the check number they could try to track it down. 

XXXX XXXX XXXXXXXX XXXX  spent XXXX minutes on the phone trying to get a check number and was told it was sent via wire transfer and that if they didnt get it, it was on the countys end. 

XXXX XXXX went back into office and was told they dont receive wire transfers for late payments. Only through one big batch in XXXX and the payment should have been denied. Was also told if it is not paid by XX/XX/XXXX our names will go in the newspaper as delinquent tax payers. 

XXXX XXXX XXXX called Mr. Cooper again and was told it would be looked into. 

XXXX XXXX XXXX sent another email to the tax division at Mr. Cooper with the new tax notice attached and asking for a phone call. 

XXXX XXXX XXXXXXXX XXXX making a complaint with CFPB hoping to get it resolved faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am formally notifying your company that if the appropriate steps to rectify the inaccuracies on my credit report are not taken immediately, you will be in violation of federal law. Upon contacting the banks, I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the cfpb. You are required by law to respond to me within 15 ( FIFTEEN ) days, and failure to do so will result in serious consequences, including potential fines of up to {$1000.00}. Upon con Please provide me with detailed procedures taken when obtaining the investigation results for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XX/XX/XXXX Subject : Request for Removal of Collection Account due to not being licensed to collect in the state of Georgia Dear Sir/Madam , NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. As per the United States Bankruptcy Code, any debts that are discharged in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ CREDIT COLLECTION SERVICES ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ CREDIT COLLECTION SERVICES ] for violating my rights as a consumer. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. Thank you for your anticipated cooperation. Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
In XXXX, I closed my SEARS/CITIBANK NA credit card . With XXXX balance. 

Four years later, I found out through XXXX XXXX XXXX  that the above account was open and late by several payments. 

I immediately contacted SEARS/CITIBANK NA , They explained that the account had been re opened and the owner was a XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I made it clear that I was not that person. I do not have a middle name with an XXXX and have never been to XXXXXXXX XXXX 
The assured me that the account would be closed and I didn't have to do anything else. 
The account was closed by SEARS/CITIBANK Now , four years later, I received a letter from a law firm asking me to pay the delinquent account, Law firm : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never owed any money to SEARS/CITIBANK . I did not re open the account Any assistance you can provide will be greatly appreciated. 

Respectfully, 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 2024-02-23 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
On or About XX/XX/24 I submitted a Dispute in regards to A Bankruptcy listed on my credit Report .Asking to Delete it for in proper use and Lieing About how the information was Obtained.My Results didn't get Resolved however Just Updated.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Incorrect addresses, names, Social Security numbers, telephone numbers, employers

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 2024-02-22 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I am writing to follow up on my previous dispute regarding unauthorized hard inquiries on my credit report. Despite my initial complaint, I have not received any correspondence or notification confirming the removal of these inquiries from my credit file. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting 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:
I am writing to follow up on my previous dispute regarding unauthorized hard inquiries on my credit report. Despite my initial complaint, I have not received any correspondence or notification confirming the removal of these inquiries from my credit file. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.

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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Sirs, I am writing to you as a customer affected by the recent closure of my bank account and the return of funds made by Capital One Bank. 

On XX/XX/2024, I made a transaction through the XXXX platform with XXXX XXXX XXXX XXXX, a platform merchant specialized in the purchase and sale of cryptocurrencies, in which I sold XXXX XXXX using the person-to-person exchange method. ( XXXX ) provided by said platform. XXXX XXXX subsequently proceeded to send me the agreed funds through the XXXX service in different parts, detailed as follows : {$1000.00} USD in the name of XXXX XXXX {$1900.00} USD payable to XXXX XXXX {$980.00} USD in the name of XXXX XXXX {$890.00} USD payable to XXXX XXXX Once the funds were received, I proceeded to release the cryptocurrency funds corresponding to the transaction through the XXXX platform. 

However, on XX/XX/2024, I received an email from Capital One Bank informing me that my bank account had been frozen. Despite my multiple attempts to contact your institution by telephone, I did not receive a satisfactory response. Furthermore, I would like to point out that I will not be given the opportunity to defend myself or provide relevant evidence before they proceed to close my account and return the funds to XXXX XXXX XXXX XXXX. 

Finally, on XX/XX/2024, Capital One Bank proceeded to return part of the funds received to XXXX XXXX, specifically {$1900.00} USD to XXXX XXXX and {$890.00} USD also to XXXX XXXX. 

It is important to note that I have been unfairly accused of fraud by Capital One Bank, despite being the affected party in this transaction. Not only could this situation have negative consequences on my credit history, but it also means the loss of considerable funds for me. 

It is alarming that, despite my efforts to contact Capital One Bank to resolve this matter fairly and equitably, I have been denied the opportunity to appeal the decision made by your institution. 

In light of the above, I demand that a thorough review of this case be conducted and that the relevant funds be returned to my bank account. I also requested a formal apology for the inconvenience caused and a public clarification of the situation to avoid further damage to my reputation. 

If I do not receive a satisfactory response within a reasonable time, I reserve the right to take additional legal action to protect my rights and interests. 

I look forward to your next response and cooperation in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There is no simple way to click on Bank of Americas website to set up Auto Pay. You have to go thru BillPay, and when I do, it makes you jump thru additional hoops such as having set up e-statements first and when I try doing that, it shows my address in red as if it doesnt recognize it. This is forcing me to sign up for e-statement when I dont want to. This should not be a prerequisite to set up Auto Pay.

This is all done to make it difficult to set up autopay. Autopay should be its own function, where I can input in the routing and account number from where I want the money to be taken out.

Plenty of other banks do this, they dont make you jump thru all the different hoops BofA does, trying to make it difficult to simply sign up for Auto Pay to make sure you are never late. 

I believe this is their way to collect late fees and then ultimately blame the customer for not jumping thru unnecessary and illogical and unrelated hoops to activate Auto Pay.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Home Depot reported to lates on my credit account and none are correct. I have asked them to provide proof or remove and I have not received any proof nor have they removed.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I look over my credit report I saw all these inaccurate items that are not 100 % accurate as required by the federal law. Also, I have disputed them previously but they continue to report inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc.
State: MI

Complaint narrative:
XX/XX/24 {$2800.00} I urge your team to conduct a thorough investigation into this matter promptly. I expect that necessary steps will be taken to and strengthen the security measures to prevent such incidents in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want these accounts removed from my reports at the 3 credit agencies within 72 hours of this complaint. These accounts are past the 7 year stataitory limit. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information sold to another company. I want all accounts removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 

Account # XXXX Account # XXXX Account # 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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want these accounts removed from my reports at the 3 credit agencies within 72 hours of this complaint. These accounts are past the 7 year stataitory limit. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information sold to another company. I want all accounts removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 

Account # XXXX Account # XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief