vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
Avant credit card About XXXX months ago I joined a debt management program. This specific account was not supposed to go into it. It's still somehow managed to get rolled into the program. I contacted both the debt management program and the creditor themselves and talked it out and they said it should be XXXX  days and everything will be squared away again. It is now about XXXX months later I can not use that card. Every month I go to make the payment I have trouble making the payment or I can't log into the account so I have to call. And every time after I call them I'm able to log in and make my payment but by then I have already incured another late fee. I have called multiple times to both programs creditor and the debt management program. The creditor themselves keeps telling me it's the XXXX fault that they're not sending them what they need to send them. The debt management program keeps telling me they have sent off the paperwork and they even sent me a copy of that paperwork which I will attach. Today I called Avant XXXX times got hung up on, yes I'm getting irate, yes I'm mad they keep telling me the same thing over and over the last rep I told her I didn't want her to tell me the same thing that they keep telling me because I keep hearing it back and forth to just listen to what I got to say and I get hung up on again. I just want to either be able to get into my account when I need to get into it and actually use the card. Or just close it and set up auto payments. Also I want these predatory late fees removed. Me not being able to make these payments until after I call and talk to someone every month is not the terms that we agreed upon when I signed up for this card. 

Also Avant told the debt management program they do not allow credit cards in these programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OK

Complaint narrative:
I have been a XXXX XXXX for XXXX years. I am attempting to participate in the PSLF program waiver. I must first consolidate my loans. My only option was to do this through Fedloan. I submitted my application in XXXX or XX/XX/XXXX. I listed my loans that I wanted to consolidate as being held by XXXX, which they are. Fedloan, however, changed the loan holder to XXXX then cancelled my application because XXXX didnt have any eligible loans for me to consolidate. I literally spent hours on hold trying to get someone at Fedloan to assist me with no success. I then sent an email on XX/XX/XXXX. On XX/XX/XXXX, Fedloan responded that I must submit proof of the loans with XXXX. I uploaded that immediately. On XX/XX/XXXX, Fedloan replied that they had reviewed my documents and the loans were valid and qualified and that they would reinstate my application and my loan consolidation would be disbursed within the next 30 days. On XX/XX/XXXX, I checked my status and saw my application had been denied because, The current holder of your loan has notified us that they can not accept funding for this loan. Please contact the current loan holder to resolve the issue. I immediately contacted XXXX and was told that they had sent Fedloan the payoff amount due on XX/XX/XXXX, and there was no problem on their end. 

Of course its impossible to contact Fedloan, although Ive been trying since XXXX, XX/XX/XXXX. When you call youre told the wait is longer than 20 minutes. They offer to hold your place in line and return your call, but the last time I did that I waited nearly 2 hours for a return call, only to be placed on hold for 45 more minutes. Then, Im directed to a person who can never see my account and tells me I need to speak to someone in consolidations. So Im placed on hold again for over an hour. I asked for a direct number to consolidations and they dont have one. 

This program goes away in XXXX. I cant get Fedloan to even accept my application in 4 months.

I work. I do not have hours to sit on the phone. Fedloan needs to correct the situation with my application and they need to answer their phones! Even taking 2-3 weeks to respond to an email is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: Retail Merchants Associates
State: LA

Complaint narrative:
I received XXXX calls today about an XXXX XXXX payday loan that I did not apply for. The first caller said it was back in XXXX, the XXXX  caller said that it was in XXXX for the amount of {$1900.00}. I explained to the XXXX that I never took out a loan with XXXXXXXX XXXX nor have I ever tried. 
I told him I only owe XXXX debt and that is with XXXX check cashing, and he became very belligerent and and said that you owe them so I'm going to go ahead and file this claim against you and hung up in my face. I do not remember his name or hers but the phone number they called from is XXXX. 
There is a XXXX in XXXX XXXX with the same exact name as I have and she has been all over my credit reports. I looked her up a few years back and tried to tell her that her debts are on my report and she hung up on me. 
I would like to report all of this today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
continued claim XXXX pursaunt to 15usc1692g ( XXXX ) - dispute debt & 15usc1681i-procedure in case of dispute accuracy- I the consumer am aware that all collection must stop an be deleted from my consumer report while debt is in validation. HOWEVER THIS ACCOUNT CREDENCE RESOURCE MANAGEMENT LLC IS STILL ON MY CONSUMER REPORT WHILE THE ALLEGED DEBT IS IN VALIDATION. WHICH IS A VIOLATION OF THE XXXX AND THE XXXX  THE REPORTING AGENCIES ARE ALSO STILL REPORTING IT ON MY CONSUMER. 

ACCOUNT- CREDENCE RESOURCE MANAGEMENT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In early XX/XX/XXXX, I filed a dispute regarding fraudulent charges on my Wells Fargo Bank, XXXX. account ending in XXXX regarding fraudulent charges. The Claim Number assigned by Wells Fargo was XXXX. The amount disputed was for {$1000.00}. A provisional credit was provided on XX/XX/XXXX. In XXXX, I received a letter that they were investigating the fraud claim to which I responded by providing them evidence of the fraud. I received no further communication from Wells Fargo. When more than XXXX days passed, I assumed they had found in my favor. Then, XXXX months after filing the complaint ( well in excess of XXXX days from when I filed the complaint ) on XX/XX/XXXX, the {$1000.00} was withdrawn from my Wells Fargo Bank account with no notice ahead of time to me. They money was just simply gone! I was given no explanation for why this happened or even notice that they were going to debit my account for the {$1000.00}. I never even received notice that they had concluded their investigation. I believe this is a violation of several laws including the Fair Credit Billing Act. They are required under that law to investigate the claim within XXXX  days and if they do not have a finding by that date, the provision credit becomes permanent. This is what should have happened with me and it did not. Instead, they violated the law by taking back the money in excess of XXXX days from when I filed the claim and failing to give me adequate notice that they were going to do this and of the results of their investigation.

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 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
In XX/XX/XXXX my XXXX and I moved. We contacted XXXX XXXX XXXX prior to our move and canceled our service at our old address. We paid the agreed on amount. 

XXXX XXXX an XXXX for XXXX XXXX XXXX contacted us. We disputed as seen above. XXXX released the debt and negative credit reporting. 

XXXX Radius another XXXX for XXXX & XXXX contacted me regarding the above account. I stated the history above and they advised contact XXXX XXXX XXXX. I did and they did not help. XXXX XXXX XXXX stated I was billed until XX/XX/XXXX. I did not have service at the previous address as a new homeowner had bought and moved into the home. XXXX XXXX XXXX is asking for payment for services we did not receive. 

In standing with FDCPA we believe this is harassment from these 3 companies. We are asking for 4 things : 1. Removal of the debt 2. A paid in full statement from XXXX XXXX XXXX XXXX. A written notice from XXXX XXXX XXXX via USPS saying any negative credit reporting is removed from both our names & 4. As we believe it is XXXX from XXXX XXXX XXXX we are asking for the awarding of 3 of the {$1000.00} fines to be sent to us from XXXX XXXX XXXX as the collection attempts from XXXX XXXX XXXX, XXXX, and Radius are all from XXXX XXXX XXXX are for a debt that us not owed and has caused migraines and time away from work to handle 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 explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC
State: IL

Complaint narrative:
In late XXXX I received a letter from XXXX XXXX XXXX stating that they will be taking over my mortgage. I went to the website and tried to make a payment. When it didn't work I called them and spent an hour on the phone but they could not locate my information. I reached out to the original mortgage company, LOWER.COM / HOMESIDE FINANCIAL who said they would make the payment on my behalf, they said I could just pay them, they would take care of the payment, so I paid them. About a month passes, in late XXXX I sent my XXXX payment to XXXX XXXX XXXX  for my XXXX payment, however they applied it towards XXXX, since LOWER.COM - HOMESIDE FINANCIAL never sent the payment as promised from late XXXX. I spent dozens of hours speaking to dozens of people at both Mortgage companies, emailed dozens of times. Now the new Mortgage company is harrasing me with multiple phone calls each day demanding the payment I made but LOWER.COM - HOMESIDE FINANCIAL paid it so late, the new mortgage servicers RECEIVED MY MORTGAGE PAYMENT FOR XXXX ALREADY, but applied it to XXXX. They applied the funds sent from LOWER.COM HOMESIDE Financial to back-office monies that they owed them from the transfer of the mortgage. When LOWER sent the check they did not write in the memo it was for XXXX, the funds were misappropriated, and I have now paid 3 mortgage payments in less than 60 days, XXXX is saying the recent payment is 22 days late, now wants another payment for XXXX. They are doubling down on me and trying to sweep the mortgage payment I made in late XXXX under the rug. The constant phone calls and letters are causing me undue stress and its unnecessary. Its due to the original Mortgage company excersizing deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was issued a credit balance refund check in the amount of {$7900.00} on XX/XX/2022 which I had lost and had called the bank to issue a stop-payment and reissue, which the bank sent me a letter stating they had done so. Now the bank is claiming the check was cashed and they can not issue me a new one when they had sent me a letter confirming the stop and reissue and a new check was sent to the address on file ( which I still have not received ). Also my account was closed for no reason at all and I want my account re-opened if possible.

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 2022-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I received an email with Ally Bank , Inc promoting the Do it right Initiative. I sent an email on XX/XX/XXXX asking about the initiative and how they address loan rates with people of XXXX. Due to the nature of the message, I was told to call them. I called the customer service number, and after 45 minutes of being transferred no one was able to answer my question because they had no knowledge or access to the email system. I searched online and found a member of Leaderships email in hopes to ask about this new initiative. I was assigned a representative who gave me the runaround, which included an incorrect phone extension, and when requested and email account to a mean email. I emailed a member from the executive team again and that is when the representative fall back up.After almost a month, the representative did not answer the question about the do it right initiative, no provide any updated information regarding interest rates and people of XXXX. I was sent a letter in the mail with all of the information that I already had access to you. They put no effort into attempting to find a resolution.

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 2022-03-22 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: TX

Complaint narrative:
In Accordance with the fair Credit Reportining Act : XXXX XXXX XXXX XXXXXXXX # XXXX {$980.00}, XXXX Collections Account # XXXX {$1900.00}, XXXX XXXX XXXX Account # XXXX {$25000.00}, 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 explanation
Consumer complaint received 2022-03-22 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: TX

Complaint narrative:
In Accordance with the fair Credit Reportining Act : XXXX XXXX XXXX XXXX  # XXXX {$980.00}, XXXX XXXX XXXX XXXX  XXXX {$1900.00}, XXXX XXXX XXXXXXXX XXXX  # XXXX {$25000.00}, XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Received letter from Select Port Folio stating my mortgage payment was due for XX/XX/XXXX. Recently I was in a XXXX forbearance with my mortgage servicer. The forbearance ended XX/XX/XXXX, Remitted mortgage payment XX/XX/XXXX, {$2200.00}, XX/XX/XXXX {$4300.00} and XX/XX/XXXX {$2200.00} for a total {$8700.00}. Spoke with XXXX Select Port Folio Collections dept. XX/XX/XXXX. He stated some of the funds were applied to late fees, foreclosure fee and Inspections fees for years of XXXX XXXX. The mortgage was modified for the delinquent payments between XXXX. Select Port Folio never notified me of this, and they were informed all payments were to be applied to the months the mortgage was in forbearance. Select Port Folio is charging XXXX times for fees that have been included in the mortgage modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
XX/XX/2022 I applied got approved and sign loan disclosure for a {$250.00} loan. Everything cleared got approved and selected instant fund. Call to ask why the funds didn't clear and was told loan is being withdrawn bc of a previous loan. I paid off previous loan years ago and closed it. I was approved and signed loan disclosure showing XXXX payment set up and everything selected find to be deposited on my card. XXXX was approved then I called they removed the loan totally as if it never happened no denial nothing was told my loan was removed rhats all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mercedes Benz Financial Services
State: VA

Complaint narrative:
I have been getting harassed and threatened by Mercedes Benz Financial Services for the past few months. I have recently received more harassing and threathing communication from them about repossessing my vehicle that has already been paid for with my government created XXXX XXXX XXXX account. I have asked them on multiple occasions for the on ledger and off XXXX XXXX ( XXXX XXXX ) since the beginning of the alleged debt so I can see proof that I actually owe them anything. They will not send it to me because I believe it will show that they have already received payment for the vehicle and prove that they are fraudulently and abusively attempted to collect on an alleged debt. I have also requested the original contract I signed. They only send copies which isn't what I asked for. And what they sent wasn't a contract. A contract is a meeting of the minds signed by both parties and 2 witnesses. I know when I gave Mercedes Benz my social security number it created a trust transaction, which I am the beneficiary of and Mercedes Benz is the Trustee with a fiduciary responsibility to act in the best of the beneficiary. Cleary they are attempting to injury me and cause me stress. Sherman Anti-Trust Law does apply in this situation. 

I am evening will to send payment with an endorsed coupon however everytime I attempted to call the executive team ( XXXX ) to get instructions on how to properly submit they hang up on me or leave me on hold for rudely amounts of time. I have even left messages for team members and they never call me back. 

I really have tired to get this cleared up with MBFS once I understood what took place when I gave them my Social Security Number. However they continue to harass and threaten me instead of doing what is in the best interest of the beneficiary. 

If this matter isn't resolved immediately I will report this to the SEC, FTC, XXXX United Stated Attorney General, XXXX XXXX XXXX  and the FDIC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, Account # 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 an account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have recently reached out to the bureaus and creditors regarding incorrect items on my credit report. I've been going back and forth for almost a year now and this is very frustrating that. My name is incorrect, my address is incorrect. I've opted out of having my information shared. I sent in letters from the bankruptcy court stating they are not reporting any bankrupt. I've tried disputing with letters and by phone but nothing seems to work. Student loan department have been reporting late payments when the account is actually in deferment. This is caused me quite but of XXXX. I would like only XXXX name and address on my report. I would like the XXXX to be deleted, XXXX was the only bureau who deleted the information. Equifax is reporting a collection with no contact information for me to see what exactly it is. They just send me letters saying this is verified. I'm not sure who verified this information if there is no creditor listed. XXXX XXXX Equifax is showing XXXX as a creditor one says a charge off and the other is current with a balance on XXXX and {$0.00} on the other.

Company response to consumer: Closed with explanation