vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-18 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: FL

Complaint narrative:
There was fraudulent charges to my Avent account that I never received a card to so Ive never actually used. The fraudulent charges have all been verified by avant to be fraudulent and credited back to the account, but it took months. The fraud department also credited back only one month of late payment fee for the fraudulent charges. 
Even at this point I have never once used a AVANT card. 

I get emails text messages phone calls mail daily on my Bill they say I owe. Which is the late payment fees and the interest all from the fraud charges. 
The avant account people say the fraud department has to deal with it the fraud department says they cant even look at the account- it Has to be dealt with through Avant people they just push it to the other department nobody will do nothing for months and months and months now. 


I have contacted Avent so many times that they say they can not no longer escalate this issue. Even though theyve escalated the issue is supposed to have looked at it several times nobody from the escalated team has contacted me -never once have they contacted me back to ask questions about this they just claimed theres been no error. when I email the fraud lady that I was dealing with with my case she just emailed me back that she already told me that she can not assist me They are claiming I owe {$100.00} Which is the exact amount they charged for late fees and interest on the items found to be fraud I am not responsible to pay late fee and interest on items that were found to be fraudulent they will not listen As Ive stated several times I have never once use this car there are no other transactions other than the ones that were all found to be fraudulent and credited back to the account the only thing theyre claiming I owe is {$65.00} in fees charged for late payment and {$43.00} in interest on purchases but theres never been a purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18 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 — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover Credit Cards place exorbitant holds on purchases at their pumps. A hold of {$170.00} was placed on my card for a {$25.00} gasoline purchase at the pump.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I find this explanation on XX/XX/22 to be unacceptable by Equifax. 
Since credit was denied, I want a copy of their credit report on me. 
They reported the information and XXXX XXXX denied me credit, now Equifax is saying otherwise. 

I want a copy of their credit report mailed to me. 
I do not know what the codes XXXX, XXXX, XXXX, XXXX are, Equifax reported a score of XXXX! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
1 ) I was sent an offer to get a {$100.00} gift card if I could find a better refi offer than theirs. I did but the refused to send me the card. I contacted them several time and never got the card. The person in charge said that she would send it but didn't. Everyone I talked to said that she is the only one that could do so.

2 ) Caliber Home Loans Sent me a check fo {$1600.00} but didn't tell me what it was for so I pu
t it into my saving account for my taxes and insurance. They made it very hard for me to contact them it took several calls and then you had to click several times to get to a person. I received a notice from the property tax office telling mr that my taxes were late and i received a fine for {$190.00} because Caliber didn't pat the balance with the check that they sent me or tell m they were due. I felt that they should have notified me that was a payment due and the check was t pat it or sent the payment.

3 ) For the past several year they have been sending me a request for a shortage fee. This year it was for {$530.00} other years it has been for {$300.00} or more. I have never had a mortgage company send me a short fee more than once in the pass XXXX  years and i have had XXXX other companies that I have done business with. I feel that they nave not don't their business in a fair and professional manner. There have been several other issues with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On Friday, XX/XX/XXXX at XXXX am a money transfer of {$510.00} dollars was sent through Western Union on this location XXXX XXXX XXXX, XXXX, TX XXXX to XXXX XXXX. 
On the same day Friday, XX/XX/XXXX more less at XXXX pm the recipient was at the XXXX XXXX XXXX to claim the money- a total of {$10000.00} pesos and she was told there was no money to be claimed for her. She also went to the XXXX bank and she was told the same. 
At this time I called the Western Union customer service where I learned that the money was claimed at XXXX XXXX a different city and state at XXXX PM. 
Until now, Saturday, XX/XX/XXXX nothing has been resolved! only a case has been opened. How can the transfer be claimed at a different state and a different time? We need this money to help my parents sustain their household and daily lives. Western Union should refund this money. 
Tracking # XXXX {$510.00} dollars was sent {$10000.00} pesos need to be received Western Union Case # XXXX Please help, I appreciate your help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: CA

Complaint narrative:
I RECEIVED MY CONSUMER REPORT AND FOUND MANY INACCURACIES AND I WANT YOU TO DELETE THEM OFF MY CONSUMER REPORT IMMEDIATELY, LISTED BELOW ARE THE INACCURATE ACCOUNTS. 

XXXX XXXX BALANCE XXXX $ STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ) XXXX XXXX BANK XXXX XXXX $ XXXX CLOSED, ACCT # ( INACCURATE ) XXXX, LAST PAYMENT ( XX/XX/XXXX ) ( INACCURATE ) ( XX/XX/XXXX ) OPEN DATE, LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX XXXX BALANCE XXXX $ STATUS CLOSED ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( INACCURATE ) ( XX/XX/XXXX ) ( EQUIFAX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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:
I RECEIVED MY CONSUMER REPORT AND FOUND MANY INACCURACIES AND I WANT YOU TO DELETE THEM OFF MY CONSUMER REPORT IMMEDIATELY, LISTED BELOW ARE THE INACCURATE ACCOUNTS. 

XXXX XXXX BALANCE XXXX $ STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ) XXXX XXXX BANK XXXX XXXX $ XXXX CLOSED, ACCT # ( INACCURATE ) XXXX, LAST PAYMENT ( XX/XX/XXXX ) ( INACCURATE ) ( XX/XX/XXXX ) OPEN DATE, LAST REPORTED ( XX/XX/XXXX ) ( EXPERIAN ). 


XXXX XXXX XXXX XXXX XXXX $ STATUS CLOSED ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( INACCURATE ) ( XX/XX/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 2022-06-18 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: Nelnet, Inc.
State: CA

Complaint narrative:
Good afternoon, The account is in deferment until XX/XX/2026, but the credit bureaus : XXXX and XXXX keep reporting it back as open. I would like this to be properly reported as deferred and not open. Thank you. I have included the deferment letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following Companies has violated my rights : XXXX XXXX XXXX XXXX  stores Acc # XXXX XXXX ) XXXX  Acc # XXXX XXXX XXXX XXXX XXXX XXXX  Acc # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXXy Acc # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acc XXXX XXXX XXXX ) XXXX XXXX XXXX ACC # XXXX XXXX ) XXXXXXXX XXXX XXXX ACC # XXXX - XXXX XXXX ) XXXX XXXX XXXX ACC XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Acc # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 Section 602 A ; States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; also states ; A consumer reporting agency can not furnish any account without my Proper 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 2022-06-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank 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 2022-06-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a loan 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 2022-06-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18 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: CA

Complaint narrative:
Good afternoon, The account is in deferment until XX/XX/2026, but the credit bureaus : Experian and XXXX keep reporting it back as open. I would like this to be properly reported as deferred and not open. Thank you. I have included the deferment letter.

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 2022-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing you today because, as a result of Chases negligence and complete disregard, {$35000.00} was stolen from my Chase checking account. Specifically, Chase allowed my personal checking account to be breached by XXXX unauthorized XXXX debit transactions, which increased from a few authorized transactions a month from XXXX vendors to XXXX transactions a day from XXXX unauthorized vendors. Chase did nothing but merely stood by as my earnings were stolen directly from its control. To add insult to injury, Chase has only agreed to return {$1700.00} out of the {$35000.00} that was stolen. This is unacceptable. I am hereby demanding that Chase return the remaining {$33000.00}. 

On XX/XX/2022, I notified Chase of the fraud. I first attempted to call the Fraud Department. After multiple dropped calls to a foreign country, I ran to the nearest local branch at XXXX XXXX XXXX. The representative at the branch spoke to the Claims Department and assured me my money would be returned to my account. 

On XX/XX/2022, I called the Claims Department to follow up. This specific claim includes the XXXX fraudulent XXXX debit transactions totaling {$33000.00} ( Chase refunded the XXXX XXXX debits totaling {$1700.00}, which are not included in this claim ). 

After the Claims Department failed to resolve my claim, the Branch suggested I call XXXX XXXX XXXX office, which disappointingly was just another call center. This second Claims Department opened XXXX files. On XX/XX/2022, the second Claims Department called to inform me that it denied and closed my claims. 

Basically, Chase has repeatedly and arrogantly informed me that I am not eligible to have my stolen money returned because of some unenforceable fine print. This is unacceptable. As a result, I have filed complaints against Chase with the Department of XXXX XXXX and NYPDs XXXX Precinct. The Department of XXXX XXXX advised me to file a complaint with you, the Consumer Financial Protection Bureau as it is a federal matter and Chase is a federally chartered institution.

Chase does not have the mechanisms in place to protect their clients assets from cyber theft. In speaking with lawyers, friends, and detectives, it is obvious that Chases cyber security is inferior to other consumer banks like XXXX XXXX XXXX, XXXX XXXX and XXXX. For business purposes, I use XXXX XXXX and can attest that they call me if there is the slightest bit of unusual activity on my account, to the extent that XXXX XXXX contacts me even when I use a token. I understand other banks have similar security measures. Chase does not offer automatic protection and requires clients and customers to opt in to have the least bit of security. 

I work incredibly hard to provide a living for myself and naively thought my hard-earned wages would be safe with and protected by Chase. Chases negligence and intentional disregard has caused me incredible distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
XXXX XXXX XXXX Flagstar Mortgage Loan # XXXX Property- XXXX XXXX XXXX XXXX CO XXXX I did a mortgage modification XXXX XXXX with Flagstar after a Covid forbearance and I have been making the mortgage payments according to the modified loan that Flagstar sent me a copy of the Fully signed, notarized, and " fully executed '' Agreement dated XX/XX/XXXX ... I have made Seven months worth of payments but they refuse to apply it to the modified loan ... they will not update my online statements and they call me saying I owe a debt and to call back and when I do they tell me to call back in a couple weeks... and I have for seven months and now they do not respond to me at all ... I know my contract is legal but they just refuse to start applying my payments to it... Please help... XXXX XXXX XXXXXXXX Veteran 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 2022-06-18 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: SC

Complaint narrative:
To Whom It May Concern, This is an urgent matter concerning a violation of my privacy and requires immediate attention. In order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. Thank you. Exhibit ( s ) provided. 


Per my own investigation and the investigation conducted by the other credit bureaus it has been proven that this debt is false and in violation of my privacy. As the beneficial owner of said account with your company, I trust that my demands will be met with ease and these accounts will be removed immediately. This is my second attempt to remove these accounts from my consumer report. The initial 30 days has succeeded and the following accounts still remain on my consumer report. 

1. XXXX XXXX XXXXXXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. US DEPT OF EDXXXX 6. XXXX XXXX XXXX The accounts listed above are in violation of my privacy according to 15USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. According to 15USC 1681A ( 2 ) ( b ) these accounts should have never been in your system, or my location information shared. This is a willful violation that I am willing to forgive for the completion of my request. Federally Protected Consumers have a right to privacy pursuant to the Privacy Act of 1974. It is my duty to protect my name, if an investigation is performed, it must be impartial and performed according to 15USC 168 ( i ) in its entirety. If this can not be provided these accounts are to be remove immediately. If you fail to comply, I will be forced to report to the CFPB and other regulators. Thank you for your assistance and cooperation in this matter. 


By : XXXX XXXX XXXX, consumer

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