vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX open XXXX XXXX  lender XXXX XXXX remove account completely!! 
improperly reporting on all bureaus showing incorrect payment statuses late payments should not be reporting!! 

XXXX, XXXX keeps reinserting the accounts after being removed!! This is the second time it has been reinserted without a 5 day notice or reasoning why and it is always showing balances or saying charged off which is incorrect reporting late payments being reported on my report from all 3 bureaus after being granted extension from original creditor a huge internal miscommunication! 
please assist me this is affecting me tremendously and the companies are lacking urgency and proficiency to help me out.

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 2023-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
This loan is regarding the class action law suit against XXXX XXXX I bought a used vehicle from XXXX and they used credit acceptance as there finance company and I believe that they knowingly used this financial company without regards to the comsumers and credit acceptance unethical dealings.

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 2023-01-17 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom this may concern My name is XXXX XXXX, and I am wiring this statement on my own behalf. I recently discovered that I am a victim of identity theft. My reports reflect inaccurate things. My identity was used to obtain XXXX services and goods. I request that the listed items in this report and statement be removed immediately. Accounts opened without consent : XXXXXXXX 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 XXXXXXXX

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 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
This is an ongoing issue that originated with XXXX after I closed an account in person. The account was not properly closed, which was a bank error resulting in charges to myself. I made relentless attempts to resolve this matter, and now the debt has been forwarded to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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:
My concern is that as a Federally Protected consumer under title 15 Chapter 41 I am being violated. Pursuant to 15 USC 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: CA

Complaint narrative:
The Transunion is not conducting an investigation and has disregarded my request. I checked my credit report and still the bankruptcy that I have been complaining still reflecting on my credit report. The XXXX XXXX bankruptcy is erroneous. The Transunion failed to provide proof of the investigation which I have been requesting for several times.

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 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: IN

Complaint narrative:
On XXXX, I purchased some XXXX XXXX Gift Cards from XXXX. Sometime between XXXX XXXX XXXX I tried to use them, but I was unable to use the cards. I found that the cards were compromised even before I purchased them. This company told me to FAX a copy of my ID, copies of the receipts and copies of the both front and back of the compromised gift cards. I sent the FAX on XXXX. 

The company acknowledged they received my FAX, however, they said the copy of my ID was illegible, so I have to send FAX again. I had to spend {$8.00} at XXXX to send FAX. I now have to spend more to get this problem solved. If I was at fault, I'm OK with that, but this company was the one who sold me the compromised card. These compromised cards should have been blocked and should have never been activated to begin with. In addition, I've called XXXX several times and talking to the customer service was hassle every time.

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 2023-01-17 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom this may concern My name is XXXX XXXX, and I am wiring this statement on my own behalf. I recently discovered that I am a victim of identity theft. My reports reflect inaccurate things. My identity was used to obtain Finacial services and goods. I request that the listed items in this report and statement be removed immediately. Accounts opened without consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES ADDED WITHOUT CONSENT : XXXXXXXX XXXX XXXX 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 2023-01-17 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:
To whom this may concern My name is XXXX XXXX, and I am wiring this statement on my own behalf. I recently discovered that I am a victim of identity theft. My reports reflect inaccurate things. My identity was used to obtain Finacial services and goods. I request that the listed items in this report and statement be removed immediately. Accounts opened without consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES ADDED WITHOUT CONSENT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On or around XX/XX/XXXX and again on or around XX/XX/XXXX someone has submitted a credit card application in my name. The first instance in XXXX was for a Bank of America-based credit card. The second instance in XXXX was a XXXX XXXX XXXX credit card. 

I have contacted both Bank of America and XXXX XXXXXXXX XXXX and notified them of the fraud. They closed the application for both of these credit card applications. 

I filed a police report with XXXX  ( XXXX XXXX XXXX Florida XXXX XXXX XXXX for the Bank of America credit card fraud application. I have not yet filed a report for the second fraud application for 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 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I deposited a XXXX check that my father in law wrote to me XX/XX/XXXX. The next day my account was restricted. Citi bank asked to verify the funds, his bank wrote a letter to them. They accepted the funds and withdrew the full XXXX from his account XX/XX/XXXX. They told me they closed my account and will be issuing a check of the amount that is owed to me. To be on the look out for 30 to 60 days- the soonest I would receive a check would be XX/XX/XXXX, the latest XX/XX/XXXX. It's now XX/XX/XXXX, they're telling me to wait another 30 to 60 days. This couple months have been extremely hard on my family, we had to asked for donations for XXXX because of this situation. I'm barely making rent.. and because of all of this I'm literally on the edge of being evicted- I am falling behind on bills because they are holding my money XXXX. I have XXXX beautiful children under the age of XXXX whom I have barely been able to support. I want everyone aware of this situation. I don't wish this on my worst enemy. This is wrong. I truly don't know how they are in business. 

I have countless interactions with the business and the department that is handling my issue. As of XX/XX/XXXX they were waiting to hear back from the " back office '' regarding the release of my funds and they would be sending a check asap. But come today- mind you- it's been the first time I've heard my account was closed TODAY and now I have to wait 30 to 60 days for my XXXX check. I can not wait any longer. I need this resolved. It has caused so much distress on my family and my children. 

I have contacted the XXXX  i am waiting for a response. I have contacted the XXXX. And I have reached out to 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 2023-01-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I was looking through my Great Lakes account and noticed a balance in which this collection agency is offering payment options on a balance of {$26000.00} which is in a positive balance. So I do not have to pay anything in a positive balance which is in pursuant to 15usc 1692e ( 2 ) ( A ) ( B ) false and misleading representation The false representation of the character, amount, or legal status of any debt ; or any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. Please refer to the attached to the file of my Great Lakes account of evidence of false of misleading. I want the balance to be XXXX  out as this is destroying my livelihood. If my bank checking account is positive, it means I am in possession to spend this balance If the balance is negative then that would mean I owe the balance. So with this Great Lakes account if the balance is negative then I would have to owe this debt. If I were to pay on this balance it means I am voluntarily paying for something that is not originally owed. I want the balance to be XXXX for I am not obligated to pay for this positive balance. The evidence is attached in the link

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2023 I attempted to deposit {$2.00} in cash in an ATM located at a PNC Bank located at XXXX XXXX XXXX XXXX, PA XXXX. The debit card has XXXX and XXXX network icons printed on the card. The debit card was issued by PNC Bank but is branded as a Fidelity Cash Management Account Debit card and I was advised by the issuer to consult the VISA ATM Locator for compatible ATMS, XXXX XXXX XXXX  the website and locator indicates that shared cash deposits can be made by Visa cards and I believed that this card was a program participant. Nothing was listed in the card brochure indicating that deposits could not be processed. I also found a PNC Bank ATM since the card was issued by PNC Bank. I deposited {$2.00} and upon selecting an account the machine made some sounds and displayed a circle graphic indicating that it was processing and did not return the {$2.00} to me, instead the machine gave me a receipt for {$0.00} and printed on the receipt transaction can not be processed. Immediately after the incident at the ATM occurred I called Fidelity card services and was told to file a dispute with PNC Bank since there was no deposit activity visible on the card. I visited the branch at XXXX XXXX XXXX XXXX, PA XXXX where the ATM was located on XX/XX/2023 in person to inquire about filing a dispute, a teller informed me that I could make a non-customer complaint and assisted me in doing so, I gave her my contact information, the information on the debit card including card number, and receipts that indicated the failed transaction and was informed that I would be called back by PNC Bank. I am filing this complaint to request assistance in what I would consider a complex problem involving multiple banks and am requesting assistance with having this issue resolved. When calling PNC Bank corporate office, I was not given the chance to file a dispute and had to file a complaint through a teller, who had difficulty finding the information to file a non-customer complaint, since this issue involves multiple banks and an ATM network I feel that I may want more assistance with getting this complaint resolved. Attached are transaction receipts for the ATM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( account # XXXX ) has violated my rights. Please delete this account from my credit report. 

XXXX U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card 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 2023-01-17 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: IL

Complaint narrative:
Every month I check the Avant app to see my statement. The statement shows my current balance, finance charges, the minimum amount due, and the due date. It then offers the option to make a payment using the checking account I have on file with the app. 

On XX/XX/XXXX I checked the app and it showed my balance, finance charge, and minimum amount due for the current billing cycle. The due date shown was XX/XX/XXXX. I used the app on XX/XX/XXXX to pay {$50.00} ( the minimum amount due was {$25.00} ). {$50.00} was withdrawn from my checking account by Avant on XX/XX/XXXX. 

On XX/XX/XXXX I checked the app to see if my next statement was available. Instead, I was met with a notification that I had missed my due date of XX/XX/XXXX and had been charged a {$25.00} late fee. Since I had made a payment on XX/XX/XXXX that was charged to my bank on XX/XX/XXXX, that payment SHOULD have counted toward the due date of XX/XX/XXXX. However, upon calling Avant " customer service '', they maintain the payment only went toward my balance and did not satisfy my due date even though a statement had been generated. They claim the payment was made on the " last day of the billing cycle '' and therefore does not count as a payment toward the next due date. I asked that this be rectified and was instead disconnected. 

I called back immediately and the next representative argued the same thing. I politely explained that I would not have made a payment if a statement hadn't been generated and they continued to argue that it didn't count toward my due date. The representative would not remove the late fee from my account and instead offered a " waiver ''. The next day I received an email informing me that the waiver was denied. 

I have NEVER been late with my payments to Avant. I have 7 statements from Avant and my bank account shows 7 payments within days of receiving those statements. I would NOT have made a payment on XX/XX/XXXX if the app did not show that my next due date was XX/XX/XXXX. I understand how billing cycles work and I did not want the payment to go toward my balance without satisfying the minimum due for the next cycle. 

Avant charged me a {$25.00} late fee for an on-time payment and now my credit rating may have been impacted. When I asked to have any record of a late payment removed, I was told " no ''. When I asked to have the fee waived, I was denied. Due to this incident, I have since closed my account and will settle my remaining balance over the next three weeks. I believe Avant is in the business of taking advantage of individuals with poor credit when we have very few places to turn. They have no interest in helping anyone but themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2023-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I previously filed a dispute against my Wayfair Credit card for an item I returned and never received a refund for. Meanwhile, I continued to make monthly payments for the item and incurred late fees and interest. I have received notification from Wayfair that the dispute was resolved in my favor, and I was credited for the original purchase. I contacted customer support because, in addition to the credit for the original purchase, I am owed the monthly payments, late fees, and interest I should have never paid for this item. I was told I would receive the additional funds but to date have notes. The current balance of my account is- {$490.00}.

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