vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
My Avant credit card was 60 days late due to a my medical issue. On XX/XX/2023 I finally was able to catch up and could only make a {$50.00} payment on a payment plan online. I did so. Then on XX/XX/XXXX  I made a {$300.00} payment. My Avant card was then all caught up and all done on line. 

My account, as of XX/XX/2023, was locked and I called Customer Service and was told that my account would come off hold in a day or so. 

On XX/XX/2023 I received a credit alert. Looking at my reports, Avant closed my account. In calling them that same day, and spending over 1 hour on the phone, and speaking with a Customer Service Rep and a Payments Dept Rep, I was told it was closed due to a Payment Plan. That an email was sent to me XX/XX/2023!! 

I assured the reps that NO WHERE, on their website did it state my account would be closed. And now my credit report reflects the account closed. 

In speaking further with the Payment Rep, she too stated my account was closed due the payment plan. She then went on to say I CALLED IN to make this payment plan! I only have a cell phone and can prove I never made any such call!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo reported me for late payments while having an active investigation as to why I was not receiving any mail or emails from them regarding my statements or when my payments are due. Upon disputing this they informed me that I have other ways I could have found out and paid the debt, to which I informed them I could not create an online account due to bank error with not having my social on my account. Once that was corrected I was able to. Because of these they reported me to collections and now my credit score has tanked for their bank error violating my UDAP rights by treating me different then other consumers. After this I requested to speak with a manager as my case worker just told me that I was wrong and she was right and theres nothing to be done from there. I have requested 5+ manager callbacks from Wells Fargo and have never once received a call from a manager to assist me in the matter. They have also ignored numerous complaints that Ive made and just ignored me while making them.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have several inquiries on my credict report that was not made by me. Because of this its really affecting my overall credict 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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I have several inquiries on my credict report that was not made by me. Because of this its really affecting my overall credict report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Transaction Date : XX/XX/2023 Transaction : MEMBERSHIP FEE XXXX XXXX XXXX Amount : {$490.00} plus interest charged We called in and cancelled this card over the phone on XX/XX/2023. The agent confirmed cancellation and we thought that the account is closed. I logged in today just to make sure and noticed that Citibank charged me {$490.00} and my account is past due and was never closed! 

I called customer service and explained this to them and explained why I chose to close the card back in XXXX due to financial hardship and they were not helpful and were rather rude and aggressive. This is predatory. 

I would like the charges refunded along with the interest and this account closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing this dispute letter in correspondence with the Complaint ID XXXX that was recently closed. I don't understand that you are making it hard for me to request to remove this inquiry on my credit report. 

XXXX - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please, on several occasions I have contacted the XXXX & equifax agencies because I have some questions that I never authorize the companies to obtain my credit report, and they say they can not help me, these are the questions I am referring to, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is about the fourth or fifth time now in the year XXXX, I keep telling the bureaus they are listing inaccurate information or incomplete but they only delete certain items not all. Here are more details on the accounts that should be deleted! 

To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports that is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. After disputes online and multiple complaints via the CFPB and disputes by Certified Mail, inaccurate information continues to be listed on my credit report and should be deleted immediately. I have compiled a list of date on my report attached to this complaint and one has been sent via USPS mail to the 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 non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OR

Complaint narrative:
We were charged {$520.00} on XXXX XX/XX/23 by a scammer posing as XXXX XXXX customer service, we were told the charge was for the cost of our new tickets, but XXXX XXXX has confirmed there was no such charge on their end. Disputed this with discover and submitted supporting documentation but they sided with the scammer and notified us XX/XX/23. We were unable to contact the scammer as their old phone number is no longer valid, discover claims to have contacted the merchant, not sure how as they disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
There are several inquiries on my credict report that was not submitted by me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Please see the attached documents to understand what had happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/ I mailed via certified mail Experian a debt validation letter and expected to receive such debt validation from the original creditor within 30 days. The debt I request validation on XXXX XXXX XXXX acct XXXX XXXX Experian opened a dispute on my behalf and closed the dispute without sending me the debt validation information I requested. I received a letter and it does not include any new information. Experian never responded to my debt validation request.

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 2023-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I had a car loan with another company for my XXXX XXXX that I bought in XXXX. I only owed in XXXX {$11000.00}. I was told by One Main Financial that if I went to them my payments would be smaller and I would pay it off faster. I was told the amount owed was {$12000.00}, because they gave me {$1200.00} as a personal loan for. When I was reviewing the contract I noticed that the full amount was {$21000.00} for the loan and was told by the manager that was not a true number and to ignore it, that I would actually owe less on my car than the {$11000.00} to pay it off. I was also told in order to get this deal, I would have to sign that day and that I would not be eligible the next day. She told me that she had to go pick up her kids from daycare and that I had to sign the documents now or they could not offer this great deal to me again Over time, I would mention that the account online said it was still {$21000.00} owed and again was told that wasn't a true number and to ignore it. After making payments for three years, I called for the true payout amount and was told it {$15000.00}. That is more than I owed before I got this loan with OneMain. I filed a complaint and then was told again that the {$15000.00} was not the true amount if I paid extra every month. The math does not add up. So I have literally paid for my car twice. This is fraud and I was misled on several occasions about the payout amount. I am stuck in this loan. People should know about this fraudulent activity from this company. Furthermore, I have requested on numerous occasions to not call me during work hours and they continued to do so. They lied about the amount owed and continued to lie about it. This is fraud and they are having people sign for loans and giving them fraudulent information about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am not liable for this debt with XXXX XXXX. I do not have a contract with Portfolio Recovery Associates. Portfolio Recovery Associates is furnishing inaccurate and incorrect information to the consumer reporting agencies. 

XXXX XXXX : Account # XXXX ( Balance : {$2600.00} ) XXXX XXXXXXXX : Account # XXXX ( Balance : {$2900.00} ) These XXXX accounts show the same account number and open date of XX/XX/. Not only are they not my accounts. It appears to be reported twice. 

15 U.S. Code 1681 s2 states 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. 

The account information they are showing on XXXX, XXXX, and XXXX all have discrepancies. Both XXXX and XXXX are reporting this as an Open Account. They are all showing different information. I have attached screenshots of the inaccuracies showing on my reports. 

I have already disputed these accounts with them and they have failed to provide me with the original contracts, statements, or proof of ownership of the debt that I requested. 

They are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information.

They have caused me and my family severe harm due to their negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account ( s ) from my Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
Recently in XXXX of XXXX a card was opened at TJMaxx and used without my knowledge for around {$500.00}

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 non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting 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:
The account was sold by XXXX  and paid not reporting accurate

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 2023-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Autovest, L.L.C.
State: OH

Complaint narrative:
On XX/XX/2023 the original creditor sent me a bill made from their typing and I asked to talk to someone in the closed accounts department about my due balance and they then sent me over to another company which I didnt know they sent the account over to in first place. The man I spoke to on the phone was not able to furnish the bill of sale to my vehicle I was paying on. I explained to him that in Ohio its law that I can request that be sent to me for proof of sale so I could get that information. Instead a few days later I received another bill and it has a finance charge added as well for {$14.00} more than the original bill. Also prior to the sale of my vehicle I called the original loan company and I updated my address with them and my phone number so they could call me and let me know of the date of sale and updated my address with the USPS as well. In the first letter I received about the vehicle being sold it was not sold on the date the paper said it was to be sold on bc I called XXXX and they said the car was not sold yet that they will contact me 7 days before the sale and let me know in writing and I was not properly informed of the sale when they did sell the vehicle. In the letter it said the sale of the vehicle would start at {$500.00} being the low end of the sale of the vehicle and Id get anything left over from the sale past my due amount I owed and I could also be at the sale and have someone else bid on the vehicle also. I was not given that opportunity at all in writing. So the reason I am making the complaint is simply I feel like I was not informed correctly and my rights were completely not thought of at all on the sale of the vehicle and Id like to see proof of all this. My balance due was {$1300.00}. Now its higher by {$14.00}. And its going to keep going up even after I asked for a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
Aidvantage is my student loan servicer. 

When borrowers go to Aidvantage 's website to make a loan payment, before said payment can be made Aidvantage makes borrower agree that they've 'read, understand, and agree to the Electronic Payment Authorization ' ... however they do not provide a copy of this Authorization anywhere on their site. 

I called Aidvantage about this on XX/XX/23 and the rep told me that it was not available on the site but that they could email it to me ... in eight business days! ( Mind you, interest accrues daily on these loans so they are dragging their time out ). 

Eight business days come ( XX/XX/23 ) and I don't receive an email with the promised Authorization. So I sent a message through Aidvantage 's site requesting the copy of that Authorization. ( The auto-response to this message says I will receive a reply in two business days. ) Seven days later ( XX/XX/23 ) I receive a message from Aidvantage saying " We are aware of the issue. I apologize for any frustration. '' They have STILL not provided a copy of the Authorization that they REQUIRE all borrowers to acknowledge having read. This is highly suspect to make people agree to terms that they can't even read! 

I sent another message through the website on XX/XX/23 and have still not received any reply. 

Aidvantage has intentionally hidden necessary terms that will negatively affect borrowers and make them pay extra fees or more money AND they refuse to answer/reply to any calls and messaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
THIS COMPANY LETS NUMEROUS COMPANIES PULL MY CREDIT WITHOUT MY AUTHORATION I CALLEC AND ASKED FOR HELP AND WAS HUNG UP ON. PLEASE HOLD THIS COMPANY ACCOUNTABLE. 
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 PLEASE HOLD THIS COMPANY ACCOUNTABLE . THANKS

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 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express just sent me an email that they are decreasing my limit by half. This will negatively impact my credit because it will now look like I'm carrying 60 % of the limit. In reality, I'm carrying less than 30 % of the limit. American Express also checked my credit to make this decision without my consent. They refused provide the original terms with my signature, and they are unwilling to discuss a review of my account until I wait 5 days and call back. In addition, my payments to American Express have all been on time, so there is no reason for the review to happen at all. They will not share documents until I call back, which is after the credit reporting period, and when my credit score will be negatively affected by this unwarranted decrease. 

XXXX I spoke with : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: WA

Complaint narrative:
Our mortgage qualified for a XXXX forbearance and when we came out of the forbearance our account was sold to Flagstar. They immediately told us we could not make a payment and we needed to submit a loss mitigation form. We did that and were told that we needed to make XXXX payments of over $ XXXX each which we told them we could not afford. My husband is XXXX XXXX XXXX and XXXX every few months on a submarine. He was told that they would pause any movement on the account if he submitted his orders under the SCRA. We did that and were sent a denial and told we needed to pay the balance. We did not request to have the balance forgiven, we just did what they said in regards to pausing things. We have been given the run around by this bank, they told us that they had no record of our forbearance. I submitted a XXXX complaint and received a letter from the bank president stating our forbearance was extended to XX/XX/XXXX. But as of XXXX we were already in foreclosure and were told we can't make any payments. This again, was all happening while my husband was XXXX. We submitted a loss mitigation application and were denied because " the forbearance wasn't the result of a disaster '' and that we are not able to refinance. Our ONLY option is to give them $ XXXX or our house will be sold in 2 months. This is beyond predatory and I feel that the bank has made it impossible for us to keep our home. They limited what options we had and the few that we did they denied. I reached out to an attorney who immediately knew who Flagstar was and their history which includes the judgment against them for these exact practices in XXXX. I do not believe that they have changed or that they are following the law in regards to our case.

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