vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
To Whom It May Concern, Several months ago I viewed my credit reports and noticed a collection from Radius Global Solution for a XXXX XXXX debt. Although I returned the equipment to XXXX XXXX at their request, they did not update my account to a {$0.00} balance and a collection hit my reports. I called Radius Global Solution and the agent advised me that it would be better to just pay the debt and the collection would be removed from my reports. So, that is what I did. Rather than continue to dispute it, I took their advice and paid it. But, to date, the collection has only been updated to a {$0.00} balance and has NOT been 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 explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
Received a notification about this hitting my credit report, when I have no idea who they are, it says a medical debt, but I am a XXXX XXXX XXXXXXXX veteran and have been under Va care since 2010. ALL my medical is covered by the VA, so not sure how they're saying I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX # XXXX, DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX BANK XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXXXXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # 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 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: OR

Complaint narrative:
This is the second time this has happened. I called customer service the first time and asked this question. Why does it take 2-3 weeks for a payment to process. If I didn't mail a payment before I got a statement payments would never post on time. I was told it takes 14 Days from the time they receive the payment to post. That's way to long when is payment is made via ACH thru a bank bill pay. I asked for a supervisor non where available they took my information and never received a call back. The second time I made a payment without a statement again of {$100.00} on XX/XX/2022 thru my XXXX Bank Bill Pay Function on my Checking account. The Avant Mobile Application showed the payment received XX/XX/XXXX. The Payment Cleared my checking account on XX/XX/XXXX. The application stills shows Pending on the XXXX. I called Avant Customer Service again and was told 14 days from receipt. I got a supervisor named XXXX this time and she said 3 business days from receipt of the payment is the processing time not 14. I said it should have credited to my account then on Monday the XXXX. and asked that she makes sure the payment is credited now since it is the XXXX. She said it is pending. I will not override the processing and hung up on me. I have had this account for three months and have had this issue 2 out of 3. My payments are do on the XXXX of the month. Thank goodness I am making the 3 weeks before they are do and 10 Days before I receive a statement and the amount is significantly more than the minimum payment amount. It seems to me they are in business to wreck someone's credit and not help repair or improve like they advertise. 
They must survive on collecting late fee 's with a processing time of 14 days. I have 4 other credit cards and when I make a bill pay payment thru my XXXX bank account it is credited to my other cards within 2 days of the date sent. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
CFPB + XXXX + Credit Corp Solutions, Attached to this complaint are : drivers license social security card address complaint letter stating this collection has not been validated to be mine screen shots of where it shows on XXXX Please look into this new complaint as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX accounts 1 ). # XXXX XXXXXXXX XXXX XXXXXXXX, 2 ). # XXXX XXXX XXXX XXXX 3 ). # XXXX XXXX XXXX XXXX, 4 ). # XXXX XXXXXXXX XXXX 5 ). # XXXX XXXXXXXX XXXX, 6 ). # XXXXXXXX XXXX XXXX XXXX 7 ). # XXXXXXXX XXXX XXXX XXXX XXXX 8 ). # XXXXXXXX XXXX XXXXXXXX 9 ). # XXXX XXXX, 10 ) > # XXXXXXXX XXXX XXXX XXXX 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604 and section 2 it also state a consumer reporting agency can not furnish your 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 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
My lease was over and I had a move out date of XX/XX/XXXX. I was given 2 months notice so I had plenty of time to pack and clean the apartment. I moved all of my items and cleaned the apartment before turning in the keys. I received the Final Account Statement on XX/XX/XXXX. It stated that the total I owed was {$1900.00}. The amount was broken down in the following manner : {$5.00} - Water and sewer {$500.00} - Items left behind {$1200.00} - Drywall repairs and paint treatment {$270.00} - Carpet replacement As soon as I got the statement I called the office to discuss these charges as they were not valid. I tried contacting them via phone multiple times, left multiple voicemails, and did not get a response. I continued to call them from XX/XX/XXXX - XX/XX/XXXX with no response in the matter. I emailed them XX/XX/XXXX stating that I had yet to talk to someone regarding these charges. I was told by XXXX XXXX, the assistant manager, that I could not see the pictures as they were for in-office use only. I did not leave any items and there was no damage to the wall. The apartment just needed touch up paint as we were there for years and there was minimal scuffs on the wall. The carpet had the normal wear out as well. Since they were not responsive in this matter I did send a letter disputing these claims. I was never notified, never received any information from the apartment complex. This was placed in collections back in XX/XX/XXXX. I was well in the time frame to discuss these charges and this company did not provide me with any information or evidence of the charges. I have looked at their XXXX page and this is an ongoing issue with other tenants.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I had insurance with XXXX, I changed providers and they still tried to charge me after I had insurance with XXXX XXXX I'm asking to have this false information deleted from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc.
State: PA

Complaint narrative:
I dont even know what this debt is, it just popped up on my credit even though I havent applied for nothing new. Ive been trying to clean up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX fraudulently opened a car lease under my name and used XXXX XXXX as lender now reports on my credit bureaus

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 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
The light company said they sent my money back a month ago and the bank is steady saying they haven't received the payment yet and I need my money now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: Army and Air Force Exchange Service
State: TX

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

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as latte 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 2022-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XXXX XXXX I was notified by my financial institution, Bank of America, that my account had a lien placed on it by XXXX, XXXX, & XXXX, XXXX ( debt collection firm ) due to a outstanding credit card debt. My bank account was frozen and {$1400.00} was seized. On XX/XX/2022, I received written communication in the mail from the bank ( see attached ), which stated that I owed {$3400.00}. On XX/XX/2022, I contacted XXXX, XXXX, & XXXX, XXXX, via telephone along with my mother, who provided them with her banking ACH information to do an electronic funds transfer in the amount of {$3400.00} from her checking account. Prior to making this payment, I was told by XXXX XXXX, ( a representative of XXXX, XXXX, & XXXX, XXXX ), that once the {$3400.00} payment was made, they would refund the {$1400.00} to my checking which had been previously seized and placed in an escrow account. As of today, XX/XX/2022, the funds have not been placed in my checking account nor has my bank account been restored for me to use. On XX/XX/2022, I walked into a branch of the bank to discuss this matter with Relationship Manager, XXXX XXXX, to whom I provided a document stating that I had paid XXXX, XXXX, & XXXX, XXXX the amount owed of {$3400.00}. Still, my checking account has not been restored nor have I received my {$1400.00}. I have sought legal counsel who has emailed and faxed the bank representative, however, I still have not gotten anywhere with this. 

Your assistance in this matter is much needed and will be greatly appreciated. Should you require any additional information, please feel free to contact me via my cell phone, email or USPS. 

Thank you.

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 monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
this is not my debt. this was opened online with stolen information. i had to close my bank account due to this matter because someone gathered that information also. Im not sure what more to do here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
my mortgage on my condo was sold and serviced by shellpoint mortgage servicing on about XX/XX/22. about 2 months later I was informed I needed to have hurricane insurance. I did not receive a first notice and responded to a second notice. I was told if I did not get the insurance they would take out the insurance at a higher cost. I proceeded to get the insurance at a cost of about {$200.00}. I was told at that time that they had taken out insurance with there own company for aprox {$770.00} starting when they purchased the mortgage. My previous mortgage company did not require the insurance. I was told they would cancel there policy and I would be refunded. There policy was cancelled and I never received any refund. I have made about 5 calls to there company and been on hold for hours. I was never informed about the insurance, never received a binder or cancellation notice. They just charged me for it and sent me no letters or paperwork. I feel I am being given the run around and they are stealing money for. I keep getting promised return emails and phone calls which I never receive. I received one email.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB + TransUnion + The XXXX XXXX XXXX, Attached to this complaint are : drivers license social security card address complaint letter stating this collection has not been validated to be mine screen shots of where it shows on TransUnion Please look into this new complaint as soon as 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 non-monetary relief
Consumer complaint received 2022-08-23 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: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
XX/XX/2022 - Received an email from Avant Credit stating that an application for credit could not be completed due to a credit freeze. This was a fraudulent application submitted in my name. I called Avant and reported the application as fraudulent, requested to see the application and requested that they inform the 3 credit bureaus that this inquiry on my account was fraudulent. Avant customer service said they'd forward the information to the Fraud team and the Fraud team would email an " Identity Theft Victim 's Complaint and Affidavit '' form within 5-7 business days. I could send the form back and then they'd be able to investigte and proceed. 

XX/XX/2022 - Received the Affidavit form from Avant Fraud via email. 

XX/XX/2022- Emailed notarized Affidavit form back to Avant ( at XXXX  ), as per their instructions. 

XX/XX/2022 - Called Avant customer service to follow up on the status. They stated that there is no way to speak to anyone on the Fraud team, I should email the Fraud team again at XXXX to follow up. 

XX/XX/2022 - I still have not received a response from Avant. I called again to follow up, again was told to email. I stated that I have yet to receive a response to my previous emails. Customer service stated that they would escalate my inquiry and someone from the Fraud team would respond within 14 days. 

I decided to file this complaint with the CFPB because it has been nearly 3 months since I submitted information on this case and no one at Avant will contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Back on XXXXXXXX XXXX XXXX my car was stolen along with everything in it ( car keys, house keys, license, registration ect ). This also included my phone. The person who robbed me wiped out my bank account leaving me with only XXXX cents. I contacted my bank ( Chase ) who was able to give me part of my money back but states the other part they are unable to detect fraud. I have been back and forth with Chase for almost two months concerning my {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems claimed the following as a response to my previous complaint : " National Credit Systems , Inc. is a third-party debt collection agency that is collecting a debt on behalf of XXXX XXXX XXXX. These charges were not assessed by XXXX. XXXX XXXX has disputed her debt and XXXX has submitted her dispute to the CRAs as required by law. Additionally, we conducted an investigation of XXXX XXXXXXXX XXXX claim ( s ) by contacting the original creditor directly. They confirmed that the charges assessed were accurate and advised XXXX that XXXX XXXX never gave notice to move out. She came in and stated to the leasing office that she had given a 60-day notice to move out with previous management company. XXXX XXXX XXXX ( rep with XXXX XXXX ) stated she was employed with previous management and she never received any move out notice from her. When XXXX XXXX took over she came in the office on the XXXX of XXXX and said she was leaving on the XXXX of XXXX therefore we gave her the 30-day notice for her to sign she refused to sign and said she was not going to pay another month when she was not going to be here. They confirmed that she did turn in keys on XX/XX/XXXX If the consumer has additional information supporting her claim ( s ), please have her provide the documents to XXXX for further investigation and action if appropriate. '' However, there are fabrications in this message. I, XXXX XXXX, DID provide my 60-day notice ( see all previously provided proof ). I also could not have possibly gone into the office of XXXXXXXX XXXX on XX/XX/XXXX as I was working a XXXX XXXX shift in XXXX, Texas. I have attached the proof from my employer. On XX/XX/XXXX I had a XXXX appointment immediately after work at XXXX and immediately went to XXXX XXXX afterwards for lab work. I do not feel proof of these medical circumstances are required at this time but if they become necessary I will provide the proof. Therefore, I could not have possibly done the events XXXXXXXX XXXX and National Credit Systems are claiming which makes these a lie and a serious violation. I am being wrongfully accused and wrongfully being reported. Lastly, I turned in my keys on XX/XX/XXXX. If they are claiming I went to the office to turn in keys on XX/XX/XXXX they will need to provide proof as it has been established that they lie in an attempt to receive money and they simply can not be trusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I got and email from XXXX a month ago because I was selling my bed and something happened with the transaction and they kept asking me for money and kept saying that would be the last one, its been {$3800.00} from XXXX, {$2700.00} from XXXX and {$500.00} from XXXX XXXX, its ridiculous the amount of money they have been asking me, I called my bank and XXXX and they said they can not do anything because theres no refunds in this situation

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 2022-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX of XX/XX/XXXX I asked for help with car payment XXXX  parent, XXXX And I am looking to rescind my contract I noticed billing errors Extremely high monthly notes And I was denied threaten to have my vehicle repossessed Until something is paid Over charged with random fees just to obtain a vehicle Paint protection fees {$890.00} XXXX XXXX {$890.00} Down payment was required and accepted 15 usc 1605- 1635 all codes broken XXXX XXXX XXXX miles XXXX XXXX {$500.00} down payment

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