vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 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: Avant Holding Company, Inc.
State: GA

Complaint narrative:
Credit card Avant Step 1 : What is this complaint about? Unexpected Annual fee Step 2 : What type of problem are you having? Unexpected Annual fee caused negative balance XXXX to my account Step 3 : What happened? Caused my credit score to drop-22 points credit score damage Step 4 : What company is this complaint about? Avant- Credit Card Step 5 : Who are you submitting this complaint for? XXXX XXXX self It was brought to my attention on XX/XX/2021 that Avant credit card company. Charged my account a unexpected annual fee was posted to my account on XX/XX/XXXX th. Avant- took {$50.00} out my account and left a negative credit balance of - {$15.00} was posted to my account and reported to all credit bureau XXXX My credit score dropped -22 points to my credit score. Avant- did not give me a notice of the annual fee due date of fee. I just check my balance on XX/XX/XXXX th and it was {$50.00} dollars positive for my credit report. If I had notice of the annual fee I could have made another deposit and my account would have had a positive balance and they still could have gotten their annual fee. My account have reported positive and it would have been a win win for both of us. The Avant credit card is supposed to help build my credit score but cause damage to my credit score. I am paying off my credit card I have not used it in awhile. I was building a positive balance on my credit card and Avant- did not consider the damage they have caused my credit score. It didnt have to happened!!! I called and filed a complaint but I am not filling comfortable with Avant because of the damage they already caused. The representative told me that there was nothing she could do but for me to call the Credit bureau. I told her no I will not because the credit bureau did not cause the problem and I wanted to talk to a supervisor. I talked to the Supervisor XXXX and she said she understand and I should have received a notice for the Annual fee and I did not receive a notice. Its also stated in their policy about receiving notice. She will file a report to find a resolution. I have a recording of admission of wrong doings. I dont feel confident with Avant credit card service/ product. I got the card to rebuild my credit, it was advertised as such but I received the opposite.upon request for more information bank statements and recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: TX

Complaint narrative:
Receive various notices in mail about unwanted FHA loans. This company makes it look like its from the government but its not. They refuse to stop sending them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Beginning XX/XX/2020, I sent my first letter to Transunion regarding inaccurate and unknown things on my credit report involving XXXX XXXX Credit Card and XXXX XXXX. I have sent several letters since then but to this day, I have not received a prompt and correct resolution from neither company. They keep improperly validating accounts that are not mine and its really XXXX me off. They have yet to provide me with the requested information that I sent in my dispute letters. They have no consideration for my health or well being and its hurting me and my family tremendously. Due to their lack of professionalism, I have received numerous credit denials and high interest rates that make it very difficut for me to be the best provider I can be to my family. The bureaus have caused me a lot of XXXX  and XXXX  and truthfully I'm tired of the XXXX! I have been fighting with them for almost a year about this inaccurate and unverified infomation on my reports. I feel like I'm being taken advantage of and my disputes are being ignored.In Section 611 ( a ), it is clearly stated that a failure to properly investigate these items within 30 days gives a reason to delete the items from my credit report. I've sent FTC letters to them as well since my information was in several credit data breaches and they still refused to properly investiate. I demand these items be removed mmediately! If they are not removed, I will file for litigation!

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 2021-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. XXXX XXXX XXXX will be civilly liable under Title 15 U.S. Code 1692k if XXXX XXXX XXXX failed to abide by my cease & desist order. Me XXXX XXXX, A Natural Person & Consumer has had my rights violated by XXXX XXXX XXXX. 

My Demands : Audit trail credit application Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, XXXX Natural Person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Coinbase has locked my account and wont send me the password reset link. Automated Bots answer their email support and provide no help besides suggesting to look in spam folder. Numerous cases like mine reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. Fifth Third Bank will be civilly liable under Title 15 U.S. Code 1692k if XXXX XXXX XXXX failed to abide by my cease & desist order. Me XXXX XXXX, A Natural Person & Consumer has had my rights violated by Fifth Third Bank. 

My Demands : Audit trail credit application Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, Consumer/ Natural Person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK
State: CO

Complaint narrative:
On Monday XX/XX/2021 my husband used his debit card to purchase gas. There must have been a skimmer on the pump and someone took it upon themselves to use his card for a bunch of bogus charges. We were at our local water park that day with family and did NOT have our phones with us. When my husband checked his phone later in the day he had received a fraud text alert from TCF bank, our current financial institution, he replied " N '' for no stating it wasn't a transaction made by him. The fraud department contacted him and asked questions and declined the charge. I jumped on to our account and noticed multiple other fraudulent charges and immediately called TCF back, because it was a holiday the wait time was over 30 min. The first representative my husband spoke with failed to cancel the debit card and charges kept going through. There were 31 {$50.00} charges and 8 {$25.00} charges for a total of {$1700.00}, all made with the same company XXXX XXXX XXXX XXXX XXXX. From my research this is a clothing store geared toward young men. We reported the fraudulent charges within 6 hours of the first text notification and TCF fraud investigation is denying that they were fraudulent. Stating that we benefitted from the charges and are refusing to return the lost funds. It's very clear that these charges were fraud, they don't align with any of our previous or current spending habits. Why would anyone run {$1700.00} in {$50.00} and {$25.00} incriments? When I contacted TCF customer service on Tuesday XX/XX/2021 the rep I spoke with agreed that they were suspicious and looked to be fraudulent. I have appealed their decision twice and they keep refusing to return our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NH

Complaint narrative:
I applied and was accepted to the loan program to skip up to 12 payments during the covid pandemic During that time, I was able to and did make one payment of {$2300.00} which is one month mortgage payment. At the end of my 12 months, I re-instated my mortgage using an FHA backed partial claim for the 11 missed payments. I was forced by my mortgage company to make three payments in one month in order to 'book ' the partial claim by XX/XX/XXXX. I then resumed payment of my normal monthly payment, which is {$2300.00} During this process, I asked for modification, reduction of payment, and about the federal Covid 19 Advance Loan Modification, which they should have offered to me without me asking. I was told there were NO other options for me except to resume my regular payments. I explained that my new job was making over $ XXXX less than my last. I was told to get them the money by XX/XX/XXXX was my only option. I borrowed money from my sister and paid them a total of {$10000.00} in order to 'book ' the additional {$23000.00} partial claim. I then resumed by normal monthly payment of {$2300.00} beginning XX/XX/2021. I noticed my loan was not updated online and kept calling and emailing asking why It was still showing as over {$25000.00} past due I was continuously told that they were 'so far behind " in applying the partial claims that I would need to call and make payments until they 'had the time ' to update my loan status Then, over TWO months later, my loan specialist left me a message that I would need to send yet another {$4600.00} before XX/XX/XXXX in order to 'book my loan claim ' by XX/XX/XXXX I am beyond angry I called and he hung up on me. I can not get anyone of authority on the phone They have also assessed late fees and I feel this is also fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Filed a complaint regarding the deceptive tactics and misleading sales by a business using their platform to push sales ( XXXX ). Once the Bait and Switch ( Fee switched from a one time payment of {$490.00} to a monthly payment of {$490.00} without written permission ) was detected along with the detailed harassment the ensued, I requested an immediate refund per the Paypal process. They extended the deadline and denied the claim. My bank is also investigating this issue. The following is the detailed complaint along withe a copy of the submission. 

-High Pressure Sales Marketing Tactics and misleading price claims that failed to disclose the up-sell necessary for success in their membership. The neglect to provide the sufficient information to properly make an investment decision was accompanied by false oral and written claims that violate their terms of service. 
-Bait-n-Switch techniques and failure to perform promised services -for membership as stated was a one-time fee of {$490.00} to obtain membership -in order to access the XXXX database of members. And obtain Speaking engagements ( which I stated as a major reason for joining ). However, once I signed up, further emails expressed there were more obligations to obtain the lists and speak : ( 1 ) Completion a separate XXXX training or other up-sell as high at $ XXXX ( 2 ) Attend {$20.00} per week membership meetings for a drip list of attendees ( 3 ) Pay additional speakers fee of up to {$150.00}. 
-Marketing to my Mailing listing with harassing phone calls, text messages, and spamming emails when their offer was declined. Contacted by my contacts once these pressure tactics occurred. 

Terms of Service not as describe : XXXX : XXXX Paypal ignored all of these tactics which are a violation of truth in advertising rules in Section 5 of the Federal Trade Commission Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: PA

Complaint narrative:
Reached my XXXX required payments for Public Service Loan Forgiveness as of XX/XX/21. Qualifying payment count confirmed by company on XX/XX/21. Contacted Fedloan Servicing for info on when to expect my loans to be forgiven processed and removed from my credit on XX/XX/21. Was advised by agent will review account and put packet together to send to the " government ''. I will be entering a 6 month review. I asked where in writing the 6 month rule was and she couldn't provide this information. 6 months is an excessive amount of time to forgive loans already taken 13 years by mismanagement by the companies handling PSLF. I wish for my forgiveness to be approved and expedited within 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
On the second week of XX/XX/2021, I wired $ XXXX to Binance.com, a crypto trading company. I found them prominently advertised on XXXX. Upon setting up the account, I saw that all my funds successfully reached my new Binance account. Binance is a division of XXXX XXXX. 

I decided not to trade and withdraw. My account gets locked and I had to reset my password each day until I could no longer do it. Customer service via email was totally useless and I have no access to my funds Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
GM Financial has constantly reported inaccurate information, AND obtained my credit reports ( a hard inquiry ) because of an issue last year when they had to buy back a lease. Now, I made a payment on the XXXX day ( I have NEVER BEEN 30 days late ), and because they were processing my payment, they marked it as 30 days. 

This morning I wake up to find that GM Financial has reported me 30 days late TWICE NOW. I have never been 30 days late TWICE. They reported it for XX/XX/2021 that I was 30 days late, and for XX/XX/2021 that I was 30 days late. This has dropped my score over 90 points. I have perfect credit, and GM Financial has destroyed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 explanation
Consumer complaint received 2021-09-16 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
PLEASE UPDATE INFO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ON BOTH DDA AND SAVINGS ACCOUNT S.

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 2021-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

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 2021-09-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: FL

Complaint narrative:
I, the consumer, have notified as communicated to the company EQUIFAX, with letter in mail XX/XX/2021 to cease and desist the 609 letters to XXXX  XXXX ( account # ending in XXXX ), for unauthorized use of reporting to my consumer report without my written consent to do so, which I also believe it is IDENTITY THEFT on XXXX  XXXX for sending in the documentation to the EQUIFAX reporting company. I am sending this complaint because the EQUIFAX reporting company continues to update 2or3 times each month, which brings my score lower than the normal 1 reporting time each month. The have already violated my rights as a consumer under 15 usc 1692 ( p ) law. I have a privacy right 15 usc 1681 and at this time I am exercising my right by filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: MI

Complaint narrative:
XXXX XXXX has constantly reported inaccurate information, AND obtained my credit reports ( a hard inquiry ) because of an issue last year when they had to buy back a lease. Now, I made a payment on the XXXX day ( I have NEVER BEEN 30 days late ), and because they were processing my payment, they marked it as 30 days. 

This morning I wake up to find that XXXX XXXX has reported me 30 days late TWICE NOW. I have never been 30 days late TWICE. They reported it for XX/XX/2021 that I was 30 days late, and for XX/XX/2021 that I was 30 days late. This has dropped my score over 90 points. I have perfect credit, and XXXX XXXX has destroyed it.

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 2021-09-16 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: MI

Complaint narrative:
XXXX XXXX has constantly reported inaccurate information, AND obtained my credit reports ( a hard inquiry ) because of an issue last year when they had to buy back a lease. Now, I made a payment on the XXXX day ( I have NEVER BEEN 30 days late ), and because they were processing my payment, they marked it as 30 days. 

This morning I wake up to find that XXXX XXXX has reported me 30 days late TWICE NOW. I have never been 30 days late TWICE. They reported it for XX/XX/2021 that I was 30 days late, and for XX/XX/2021 that I was 30 days late. This has dropped my score over 90 points. I have perfect credit, and XXXX XXXX has destroyed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I noticed unauthorized inquiries on my Transunion report that were not done by me. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXXXX/XX/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