vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I requested a credit limit increase and was denied on the grounds " limited credit experience '' XX/XX/XXXX I requested a credit limit increase and was denied on the grounds " time between request is too short '' XX/XX/XXXX I requested credit limit increase and was denied on the grounds " time between requests is too short '' XX/XX/XXXX I called and asked customer service what does " limited credit experience mean? '' She stated it means I have not held the card for 3 years. 

The reasons for denial are a violation of my rights as the consumer and only true creditor. 
The laws violated are as follows 12 CFR 1002.1, 12 CFR 1002.2, 12 CFR 1002.7, 12 CFR 1002.9 The codes violated for denial are a violation of my rights as follows 15 USC 1681a ( k ) & 15 USC 1691 ( a ) 3 ENCLOSED : Copies of the federal law in favor of I the consumer, original and only true creditor. Copies of the USC and 3 denial letters from Avant Credit Card Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury & this has caused deformation of character & has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Unauthorized accounts have been reported on my credit report as an inquire on XX/XX/XXXX, XX/XX/XXXX. No action were taken by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My credit card company, Chase bank, has a promotions called Chase Offers. There was an offer available to be used at the XXXX XXXX XXXX store. The terms said that I needed to make two purchase greater than {$37.00} each and would receive a credit for {$75.00}. On XX/XX/XXXX I made two purchase that were {$53.00} each. Shortly after I received an email stating that I " ... just used one of your Chase Offers ''. I then logged onto chase.com where I saw the two charges for XXXX XXXX XXXX. 

On XX/XX/XXXX I logged into chase.com to pay my credit card bill and noticed that somehow the XXXX XXXX XXXX charge was changed to XXXX XXXX. I then called chase at ( XXXX ) XXXX and opened a case for my self and my wife. I was told to call back to get the status after a few days. On XX/XX/XXXX I called to get the status and was told it was in my favor and i should get the credit in a few statements. 

On XX/XX/XXXX, I received a letter stating that my request was denied. I am now out of the return window at XXXX XXXX XXXX so I called to speak with a supervisor to find out how this " bait and switch '' and outright lying could have happened. Another case was then opened to review the phone call were I was told that a credit would be forthcoming. 

Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter to XXXX XXXX, XXXX, and experian regards to this debt let them know that I dont have an account with XXXX XXXX and never owed any balance to the company that they are mentioning in there letter. I would like this removed from my credit immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Sent a letter to the credit bureau about incorrect information on my credit report. They replied with a letter that claims an account is not reporting however, it is still on my credit file. They never replied with the request made in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern, I am submitting this complaint regards to a transaction in the amount of {$660.00} made on my Wells Fargo Cash Wise Visa card ending in XXXX on XX/XX/XXXX ( Dispute # XXXX ). 

I am owed a full refund on this purchase as the merchant did NOT provide the services that had been promised. Effectively, the merchant charged me for services that they did NOT provide. I had to pay the merchant before any services could possibly be rendered. However, after paying the merchant the full amount, the merchant FAILED to deliver and repair my vehicle as promised. And now, they're trying to claim money ( {$660.00} ) that does NOT belong to them as they rendered NO services. 

I contacted the merchant on XX/XX/XXXX and they confirmed via email that a full refund IS owed. 

I would like a full refund at this time as I will NOT be paying {$660.00} to a merchant that did NOT provide the services that had been promised. That is beyond deceitful and moves into the territory of fraud. As such, I expect a full refund especially since the merchant themselves had now confirmed that a FULL refund is owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
On XX/XX/2021, I made a payment on my XXXX credit card ( provided through XXXX XXXX ). I had intended to pay the minimum payment plus the late fee ( I was paying 2 days late ). The payment amount was intended to be {$100.00} but it was processed for the statement balance {$1100.00}. When I called to ask for a partial refund they said because it was not an overpayment they wouldn't refund my payment. The refund would not have put my account past due and would have still been more then my minimum payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I dispute Shellpoint reporting of the above loan as late to the credit bureaus starting with the month of XXXX, XXXX and XX/XX/2021. Shellpoint contends that the protections of the CARES Act expired XX/XX/2021, if the loan was not in active forbearance and would therefore be reported as delinquent. Shellpoint has NOT addressed the fact that I entered a repayment plan prior to the expiration of my forbearance plan and have made all payments according to the schedule set out in my agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: TX

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury & this has caused deformation of character & has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Macys/Department Stores National Bank furnished information about a closed account to XXXX different reporting agencies, those agencies are XXXX, XXXX, XXXX XXXX XXXX File Report account number XXXX as well as account number XXXX and XXXX. I provided Macys/Department Stores National Bank with 9 Exhibits labeled Exhibits A-Exhibit I to show you the violations of the Fair Debt Collection Practice Act Pursuant to Title 15 USC 1692d 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 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Health Care Management Services, Inc.
State: GA

Complaint narrative:
My 2nd insurance paid {$2300.00} out of {$3100.00} leaving me with a balance of {$770.00} for XXXX. I called XXXX XXXX XXXX XXXX Hospital billing department to let them know that I had XXXX  XXXX on XXXX and XXXX on both of my XXXX and was out of work until XXXX and would not get paid until XXXX. I made arrangement to make 6 payments of {$120.00}. I made the first payment on XXXX of {$120.00}, but could not make the payment in XX/XX/XXXX. I called the billing department at XXXX XXXX XXXX Hospital and they agreed to let me double the payment in XX/XX/2021. On XXXX I made a payment of {$120.00}. I recieve a letter from HSI threatening to put the bill on my Credit Report if I did not make the full payment on {$770.00}. I explained to them that I was on a payment plan but they did not want to hear. I asked to speak to a manager but of course they would not get one. I hung up the phone and called XXXX XXXX Billing Department. They stated that they was going to send a letter to HSI to let them know and to continue making payment as agreed. I made another payment on XXXX of {$120.00}, once again I got another threatening letter stating that I need to make my payment by XXXX and the balance of {$510.00} or they will put the bill on my Credit Report. I tried to reach out to HSI but they had an answering machine on and I could not leave a message. This is the 4th time that I have had a problem with this company putting bills on my report and having to go back and remove. This company is a problem they do not take the time to verify anything they just put bills on your Credit Report that is wrong, misleading and inaccurate or outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I lost my job during Covid 19 XXXX of 2020, Wells Fargo had me on a forbearance during this time unaware with no notice they started reporting my account late. I called emailed disputed information being unfair an inaccurate I have not heard back from them I have restructured my loan and I'm current however these late payments are keeping me from obtaining credit this is not right!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CO

Complaint narrative:
I have arranged for a post COVID refinancing agreement with Arvest Mortgage. They mis applied a payment ( marked it as I double paid one month instead of paying my next months payment earlier ). For the last 39 days their contact center is regularly unavailable. It will okay a recording telling you they are closed and to call back during regular business hours. However... .these messages occur at XXXX am, not XXXX pm CT as they mention. I have called 9 times today as I still don't have the paperwork to go secure my new agreement ( despite that I have made my first XXXX payments during the trial period as agreed upon ... .before they would send me my final agreement to sign ). I can't get a hold of anyone at Arvest Central Mortgage. The system does one of three things XXXX ) tells me it is afterhours when it is. It, XXXX ) hangs up on me while I am waiting, XXXX ) sends me to an empty voice mail box that tells me the box is full and I can't leave a message. This applies to ALL options from the general customer service numbers AS WELL AS when I. All the direct extension I've been told to contact ( on XX/XX/XXXX I called and complained about the same challenges ... .they told me I was supposed to request Ext XXXX ). I have never been connected when I dial that extension. In fact I always am hung up on when I dial it I FEAR THEY DONT WANT ME TO SUCCEED with my new post COVID agreement. I FEAR THEY ARE DELIBERATELY avoiding me to prevent me from securing the final terms of my agreement and they they want the high value of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been trying to fix my credit for a while now and seems like everyone is making it so extremely difficult. My attorney sold off my bankruptcy and they in turn kept most of my discharged debt all over my reports appearing too look innocent but in reality they secretly report and from other credit monitoring apps. I learned a lot this whole struggle. I wish there were someone who really cared and would go after people for doing others like this. All i want is a small house and the least these companies could is correct the items so i can have a small chance. But this issue Im having { amongst a lot of other discharged accounts } On this one account I thought was very suspecious. because none of the information makes sense too me.. I asked the company to validate the account and once they did, it came back with another name. That has never been my name, I havealways held thr same lastname my whole life, After discovering the account wasnt mine, I contacted Experian and XXXX, Its been well over the 30 days and according to Federal credit law, spelled out in the Fair credit reporting act. FCRC a credit bureau is required to respondand complete their investigation within 30 days ... ..If they do not, they must remove the item in question!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The payment status reads charged off/collection. 
And the account type reads as its an open account. The account was actually paid in full of {$290.00} I believe the date was XX/XX/2018. But account status read derogatory. I have asked for the account to be remove because how it reads its hurting my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
I do not owe Adstra recovery, Adstra recovery will not validate the debt, I have asked for the last 3 years, I have disputed with XXXX, they have come back that is is accurate, I asked XXXX to provide me the information that was given to them and they have not provided the information, I have also asked Adstra recovery to provide me the information, Adstra recovery has never provided any business or service to me, but they want to get money out of me, this is Fraud. 

Do I have to hire an attorney or a Credit repair company to remove this, if I do that it would be removed immediately, why is that? So is XXXX working with Adstra? 

Per the FDCPA Adstra recovery and XXXX are in violation Also just attempted to speak with a supervisor ( XXXX ) from XXXX, he was rude and said they would not remove it and I asked to explain to provide me with the info and he would not

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PORTFOLIO RC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( PORTFOLIO RC XXXX, PORTFOLIO RC XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 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: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. The Credit Bureaus are reporting inaccurate information on CAVALRY PORT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( CAVALRY PORT XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
This is a follow up to my complaint # XXXX. Today I received contradictory and confusing foreclosure documents from Select Portfolio Servicing, along with forms to be completed that would negate the foreclosure of my home. I think SPS is engaging in possibly illegal tactics. This behavior has repeated occurred heretofore with SPS. Please see attached documents and my original complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: ND

Complaint narrative:
I was given a high interest rate loan of {$5100.00}, I make two {$140.00} payments a month, I have called numerous times to be put on a reduced payment plan due to XXXX  and losing hours at my job. I was told every call I made that it would be adjusted. It still has not been done I am still making to large payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
XX/XX/2021 and again at XX/XX/2021 They refuse to cash in the check that was sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I have been trying to create an account with Binance US for over a year now. They keep rejecting me because their XXXX  system is beyond broken. 

First, they claimed that the house that I've owned alone for the past 9 years doesn't have sufficient transaction history tied to me. This of course is entirely false. 

Then, they requested that I send them pictures of my driver 's license and of me holding up my driver 's license. I did that, but they never responded even though I sent them half a dozen follow-ups. 

The level of XXXX  shown by this company is shocking. They should not be allowed to handle anybody 's money. Unfortunately, they are literally the only way for a US resident to acquire certain crypto coins, which leaves us consumers without choices.

Company response to consumer: Closed with explanation