vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Holding Company, Inc.
State: DE

Complaint narrative:
Loan obtained through XXXX XXXX to consolidate debts on XX/XX/23. One debtor included is Avant financial with a pay off quote of {$2900.00}. Avant charged my checking account for {$2900.00} under an error I made while obtaining the pay off amount. In error I entered XX/XX/23 as the date of pay off, believing XXXX XXXX would have sent {$2900.00} by then. Funds did not arrive, and as of today XX/XX/23, not received by Avant. 
After contacting XXXX XXXX I was informed that a check for {$2900.00} had been mailed to Avant possibly taking 10-15 days to process, which I was not told when I selected direct pay from XXXX XXXX XXXX Avant, meanwhile my checking account is overdrawn by over {$2000.00}. 
Contacting Avant in order to resolve this situation was futile. Contacting XXXX XXXX also led nowhere. 
My point is, had I had been made aware by XXXX XXXX, that Avant financial was being mailed a check instead of electronic payment, I wouldn't have entered a XX/XX/23 payment. I believe 2-3 weeks is an unreasonable time for completion of payment.Meanwhile my checking account remains overdrawn. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX, Account Name : XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. (
a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I made a payment with my debit card to Capital One for amount of {$940.00} XXXX per my statement. A few days later I did not recognize the payment on my online account and called the bank and stopped payment on it, so it came back into my account on XX/XX/XXXX. I then remembered what the payment was for and called the bank again to ask if I should make the payment again or what could they do. They said they would take care of it and that there was nothing more that I needed to do at this time. SO it came back out of my account per my statement on XX/XX/XXXX. ( So, at this point it has gone out, come back in, and then out again per my statement ). 
Capital One has been calling us looking for their money and when they call, we contact the XXXX bank and I keep getting told that they will receive their monies. It went out on XX/XX/XXXX and it takes a bit to receive the monies since it was stopped and no again sent back out. Many many months of this back and forth and being transferred to numerous peeps and XXXX trips into the bank, have been told there is nothing XXXX can do at this time. 
Capital One has received their monies and nothing they XXXX XXXX that XXXX XXXX. What I do not understand, is how or why? It is out of my account and I am out of {$940.00}. 
I have been on the phone with Capital One again numerous times and for many hours as well, and they say once the monies has been denied like it is and was, proof will be attached, that they did not receive the monies, because there is no authorization code and they have not received it either. So, my monies is in lalala land and I am out {$940.00} XXXX. They show that they received the Ist payment of {$940.00} and then the returned {$940.00}, but nothing on the actual third payment of {$940.00}, which I was told by XXXX that they received on XX/XX/XXXX, which they have not received it. All I want and need to know, is where my monies is and why it is not back in my account where it belongs or why Capital One has not received it. ( Have paid the car off ) now in total as of XX/XX/XXXX, which included the {$940.00} payment in full again, since they did not receive the payment in XXXX and was charged all the late fees as well. I have done everything that everyone has asked of me and yet neither one ( XXXX nor Capital One ) will speak to one another to figure this out or talk the verbiage that everyone is using to get this issue resolved. I am tired of fighting over this and need a resolution as soon as possible please and thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST HAWAIIAN, INC.
State: NV

Complaint narrative:
Hello, my name is XXXX XXXX. I filed an arbitration against XXXX XXXX through XXXX XXXX XXXX ( XXXX ) on XX/XX/2022. I am requesting that Consumer Financial Protection Bureau open an Investigation due to this company is evading its responsibility to respond to arbitrations. 

The company has to pay the first arbitration fee, but they didn't pay and XXXX closed the case. First Hawaiian is under XXXX 's rules and thereby violating the contractual agreement. 

There was a person representing the company who I was emailing to discuss this but he ignored my emails and disappeared. 

I feel frustrated and hopeless. I have wanted to resolve this matter in the best way but the company evades its responsibilities. My credit has been greatly affected by this problem and I have not been able to get loans, my financial life is ruined and I don't know what to do. 

Also, First Hawaii says that the last payment can not be taken out by auto pay They claim they sent me notice but I moved and am getting all mail forwarded to my new address and did not receive anything. when I setup auto-pay no such thing was told to me about the last payment not being able to get paid by autopay. I am sending a check now to pay off the account in full I have spent a lot of time and money for this reason I write this complaint to you. 

Please see attached the correspondence from the XXXX XXXX XXXX and the arbitration clause.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have reached out numerous times to find answers to our questions on the spousal consolidated student loans. Unfortunately, I have not been able to get the answers I need and am reaching out to you for clarification. 
My husband and I, under the guidance of Sallie Mae, took on a joint spousal consolidation back in XXXX. We have been in repayment since then. We have used a few deferments while off work for the birth of our children and then Sallie Mae sold or was renamed Navient. At that time, in XXXX, we then were told about the XXXX and have been in that ever since. We have paid over XXXX payments over the years and that is just since XXXX. I have no idea or can I find out how to find the number of payments we have made before that time. He graduated in XXXX and I was XXXX. 
Now, as you can imagine our loan has grown significantly since we have been on the IDR plan but I was very excited to see the new counting strategy. And then I come to find out because our loans are FFLEP we are unable to have the recount without consolidating into Direct Loans. After speaking to FSA, I was just informed joint spousal consolidations can not consolidate to Direct Loans before XXXX because they would have to be split first and this process has not been figured out. We have been paying on our school loans since XXXX and are still paying. I understand completely they are not paid off but I also know there is a 25-year limit. Unfortunately, since our IDR did not start until XXXX, we are now being told we are still going to pay until XXXX? On my Navient acct it says we started paying in XXXX. The person on the phone said XXXX is the count start? This has me completely baffled and I would like to know what to do from this point on. 
We now have three daughters in college and also have a PLUS loan out which we will be starting payments as soon as the freeze is over. I would like some sound advice for our own selves and also for my daughters and their future loans because as of now I feel both Navient and Sallie Mae have led me in the wrong direction in so many different ways. Our payoff amounts are less than the accrued interest on the loans and much more than the original loans. I understand accrued interest but the timing and recount I do not. Thank you in advance and please forward to anyone who can help. Please call with any questions. XXXX or email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the address you have on file for me. The address you have listed, XXXX XXXX XXXX XXXX XXXX, NY XXXX, is incorrect. My correct address is [ Your Correct Address ]. I am writing to request that you update your records to reflect my correct address. 

I have confirmed my correct address with my local post office and on my official documents. I have also included proof of my correct address with this letter. I request that you update your records as soon as possible to ensure that all future correspondence is sent to my correct address. 

Please confirm in writing when my address has been updated in your records. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-02-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the address you have on file for me. The address you have listed, XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX, is incorrect. My correct address is [ Your Correct Address ]. I am writing to request that you update your records to reflect my correct address. 

I have confirmed my correct address with my local post office and on my official documents. I have also included proof of my correct address with this letter. I request that you update your records as soon as possible to ensure that all future correspondence is sent to my correct address. 

Please confirm in writing when my address has been updated in your records. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-02-27 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XX/XX/XXXX after opening a savings account with Wells Fargo Bank I received a Wells Fargo credit card through the mail. I contacted Wells Fargo bank about the card and was told that it was part of a credit building package deal and was instructed to use to the card to build my credit. I used the card for ten years and maintained excellent credit history. Although during that ten years there were several instances of unusual charges and activity on my accounts that did not originate with me. Ultimately Wells Fargo charged my account off after failing to notify me of balance or acceleration of account in XXXX. Prior to charging off my account Wells Fargo had not sent me a statement from XX/XX/XXXX until charge off. I was not made aware of account status until i was contacted through the sheriffs department through a collection agency.

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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been having a hard time getting in contact with anyone from XXXX XXXX in reference to there reporting to the credit bureaus. They are reporting negative but I am paying everything as agreed. Can you please make the necessary correction so that my credit report will be as accurate as possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been having a hard time getting in contact with anyone from XXXX XXXX in reference to there reporting to the credit bureaus. They are reporting negative but I am paying everything as agreed. Can you please make the necessary correction so that my credit report will be as accurate 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 explanation
Consumer complaint received 2023-02-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: CO

Complaint narrative:
XXXXXXXX XXXX XXXX has a 3 day refund policy. I requested the recorded line on the phone with the angi leads agents where i clearly cancelled my subscription with them. They said they just needed a card on file and weren't going to charge me until i want to resume leads. I never received a single lead. I was told by XXXX and 3 other agents since XX/XX/XXXX that inwould get a full refund for {$280.00} they said a refund would be processed but it can take 7-30 days. That is outside of the refund policy. So i charged back thru my bank. They then sent me to collections after they told me they could not refund me to my bank or into the angi leads account that i have NEVER used. How am i not being charged {$380.00} or more? It makes no sense. They're such bad scammers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
I have written into CBS Collections on XX/XX/2022 ( document attached ) concerning this illegal debt. I have no contractual business obligation with CBS Collections, therefore CBS Collections should NOT be reporting a delinquent account to my XXXX, XXXX XXXX XXXX credit bureaus stating that I owe, {$300.00}. Nevertheless, CBS Collections is NOT licensed in the state of Louisiana to " collect '' delinquent debts on behalf of anyone ( document attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XXXX XX/XX/XXXX my father received an wire transfer in the amount of XXXX from a workers compensation settlement into his Wells Fargo checking account. During this time my father was in the hospital. On he same day a purchase was authorized in the amount of XXXX at XXXX store. My father being in the hospital was unable to authorize this purchase. My father passed away on XX/XX/XXXX, still unaware that the money was missing from his account. As the administrator of his estate I filed a complaint with the bank making the aware of the fraud. A claim number XXXX was provided to me by Wells Fargo banker. I provided all documentation in regards to this fraud to the banker and have recevied no follow up on response.

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 2023-02-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have an account with Bank of america, as of XX/XX/23 I deposited a settlement check from my lawyer, then as of this morning XX/XX/23 bank of america closed.my account ( without reason per them ) and is holding all of my funds. Even the funds not related to the check. They did verify check is valid. They refuse to release funds.

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 2023-02-27 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 have reached out on different occasions to address the different companies listed on my credit report that should be reporting positive and not negative because they were filed in a XXXX  XXXX bankruptcy. I need this information corrected as quickly as possible. The following companies XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  Dept. of EdXXXX. There is also alot of closed account that are outdated that should have been removed from my credit report. XXXX XXXX XXXX, Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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 CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681. 


XXXX : ACCOUNT # XXXXXXXX XXXX : ACCOUNT # XXXXXXXX XXXX : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

1 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681S- 1681C. ( A ) CREDIT REPORTING AGENCY XXXX AND EQUIFAX HAS ALSO VIOLATED MY RIGHTS FOR PRIVACY. I HAVE ASKED FOR PROOF. IT HAS NOT BEEN GIVEN. ITS BEEN OVER 3 MONTHS SINCE THE INITIAL LETTER WAS SENT TO THE CREDITORS.THE ACCOUNTS LISTED DO NOT BELONG TO ME. I AM DEMANDING THAT IT BE REMOVED FROM MY REPORT IMMEDIATELY OR I WILL BEGAN LEGAL PROCEEDINGS TO SUE XXXX. {$1000.00} PER VIOLATION.

Company response to consumer: Closed with explanation