vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 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: Avant Holding Company, Inc.
State: IL

Complaint narrative:
Use of my information was reported without my consent. have Demanded the company to correct or remove. 

Pursuant XXXX XXXX XXXX ( XXXX ) ( XXXX  ) ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX ) subject to section XXXX of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant XXXX XXXX XXXX XXXX ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX  ) subject to section XXXX of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Asset Agency, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX Global Asset Agency added a XXXX item to XXXX credit report. Global asset agency but did not provide me with any prior notice regarding the debt. which would have allowed me to dispute the debt/ ask for validation. In XXXX XXXX I received notification that Global asset recovery added an item to my XXXX report without providing me with a written notice regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DMB Financial, LLC
State: AZ

Complaint narrative:
dmb financial will not give me an answer on how many payments i have left i have been paying them XXXX dollars every two weeks XXXX dollars a month for 44 months around XXXX dollars they paid off about XXXXthey have still not paid off one of the crediters you folks really need to shut this scam down i am at my wits end here thanks for whatever you can do.XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX my husband and I had lunch at the XXXX XXXX in XXXX and the next 2 hours my card had a charge of {$280.00} in Utah, I called the bank and said it wasn't my charge, but they said it was a chip consumption, so it must be my own consumption, but after lunch my husband and I went back to work, we didn't even have a vacation, we didn't even know where Utah was. It's impossible to drive from XXXX to XXXX XXXX to fly to Utah in two hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am writings to recover {$1000.00} missing deposit from my CASH APP account ( $ XXXX ). On XXXX XX/XX/XXXX, I cashed out $ XXXX that was supposed to post on XX/XX/2022 into my XXXX XXXX Account. My XXXX XXXX Acct ends in ( XXXX ) and the institution routing number is XXXX. I contacted CASH App support when the deposit did not post on XXXX XX/XX/XXXX. CASH APP support told me to wait 3-5 business days, which I did and still no deposit. CASH support asked me to have my bank ( XXXX XXXX XXXX XXXX ) do an investigation in the transaction using the trace number ( XXXX ). Attached is an official letter from XXXX XXXX XXXX XXXX advising CASH App Support that their investigation shows they never received a transaction and that my account does not end in XXXX. 

If the bank did not receive the funds, then the error is on CASH App. I have tried resolving this issue with on the Cash App support page and via email with no success. Cash App online support deliberately has you going in circles so they don't have to resolve your issue. Cash App support app will ask you what the problem is, then automatically tells you they have to upgrade the issue to a special support team who will contact you by email. When the email comes from Cash App support, it is one way communication, and doesn't allow you to respond to the email. This process keeps you from speaking to a representative and has you running in circles so you can't get your issue resolved. The bank confirms they never received my money transfer from Cash App and I can't get Cash App support to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc
State: MO

Complaint narrative:
This is a bill for XXXX XXXX for my EX-spouse, it transpired after we were legal separated and divorced. I am in no way responsible for this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
XXXX XXXX  XXXX XXXX  XXXX company notified me regarding a loan that is in default that I did not apply for or sign for. On the paperwork, the social security number is wrong and not mine. The address used in the paperwork is my address from a different state back in XXXX. I didnt authorize this transaction nor did I know about it until I received a letter from the above ago.. I have documents showing that I did not live there and I contacted the XXXX XXXX sheriffs department and filed a fraud report, which in turn they notified the above Company. They also notified XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Ohio, XXXX of identity fraud. On XX/XX/2022 I received another letter from the above company who recommended I file this report. I have called the XXXX XXXX  sheriff to get a copy of the complaint. They will try and get one, but we where hit by an F4 Tornado which destroyed our Court House. XXXX at the Sheriff offices said they will try to get a copy of the report. XXXX XXXX call the above Company regarding the fraud. Also there are no signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I never had any relation or obtain any credit or goods from the credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: FL

Complaint narrative:
some violations were made according to the FCRA due to wrongdoing of safety procedures. 


XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX XXXX XXXX, SCXXXX  ( XXXX ) XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Balance - XXXX XXXX XXXX # XXXX XXXX, MIXXXX ( XXXX ) XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XXXX XXXX, XXXX Balance {$890.00} 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 2022-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
In XX/XX/XXXX XXXX XXXX XXXX added a XXXX item to XXXX credit report. XXXX XXXX XXXX but did not provide me with any prior notice regarding the debt. which would have allowed me to dispute the debt/ ask for validation. In XXXX XXXX I received notification that XXXX XXXX XXXX added an item to my XXXX report without providing me with a written notice regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: NM

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 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: RI

Complaint narrative:
i was taken advantage of while several policies were broken according to the FCRA. 


XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/2019 Balance {$1000.00} XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2022 : I received a notification from Wells Fargo that there was suspicious activity that needed to be verified by XXXX XXXX XXXX. ( A company I have never purchased from or heard about ) They told me to Reply Y if recognized XX/XX/2022 : I went to purchase a snack at XXXX XXXX  XXXX  and noticed that my card got declined. I just received my paycheck a couple days prior and knew that I had money in my bank account. I have a joint account under my mother, but she does not know my pin and I have never given my pin to anyone else. I looked at my bank account to see it was essentially cleared out with maybe a couple dollars in my savings and a negative balance in my checking account. My bank account had several unauthorized charges by mainly this XXXX person/company. {$1700.00} was moved from my savings into my checking account and the XXXX purchases were extracted from my checking in smaller amounts of {$50.00}, {$100.00}, and {$200.00}. I had class and had to go to work immediately after so I was not able to call my bank ( Wells Fargo ) until the day afterwards. 

XX/XX/2022 : I called and they essentially told me that I would have to make several claims because of the different kinds of bank transfers and that my money would be reimbursed. They closed my checking account reopened another checking account and a couple days later I received an email apologizing for the fraudulent activity happening on the account that I had just opened instead of the one that was closed. They told me to wait 7 days for my new card. 

XX/XX/2022 : I called Wells Fargo to get an update on my claims because I had not been reimbursed yet for the XXXX. One was resolved but I was still charged with overdraft fees and was told that my other claim has been closed and resolved, the claim regarding all of the XXXX charges. Ultimately, they said my claim was denied and that I will not receiving any of that money back. I have chatted with Wells Fargo agents online and they tell me to contact the Claims department, but the Claims department said there was not enough evidence for my case even though they contacted me about the suspicious activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a XXXX  XXXX  issued by Citibank. I had one before back in the year 2017. However I never used the card, not once. The bank closed the card. So when I applied for the card today they declined me siting that my last XXXX XXXX was delinquent. I questioned that. Because how can a card be delinquent when it was never even used? It was closed with a XXXX balance. And there were no fees associated with the card. They could not provide me proof that the card was delinquent. I then got transferred to a manager. The manager then said that the card that was closed could have been closed because it was delinquent, she didn't know. They have access to my credit bureau. I assure you I monitor it every day, and there has never been any late payments or delinquencies. Citibank has a history of reps making comments that would be in violation of protected classes such as XXXX, XXXX, age, etc. I will reach out to their XXXX XXXX XXXX in Tennesse. My next step is to start the legal process and mediation. I need answers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: OR

Complaint narrative:
Flagstar is my mortgage lender and they have not properly informed me of the covid loan modifications available to me ( I have and FHA loan ). Since my forbearance ended in XXXX I've been asking to be reviewed for the two covid loan modifications that result in my principal and interest being reduced by 25 %. I call every couple of weeks and have been getting mixed messages about which options are available and everyone I talk to either tells me there's no such thing as covid loan mods, or I don't qualify, or that I'm in review and need to wait, or that they offered it to me already and I declined ( definitely not true ), or that I've been out of review for months and I'm about to go into the foreclosure process and need to fill out a loss mitigation application. After months of the runaround I received with no previous notice an offer by XXXX, ready to be signed and notarized, for a partial claim and regular loan modification. The payment is actually higher than my previous payment and it's not a covid modification. 
I have a HUD counselor at XXXX XXXX who also is wondering why I have not been offered or informed of these programs ( I had to do the research myself online with the HUD press releases etc ). I see now that this is a bigger issue than just me and a group of 20+ AGs have gone to the FHA because lenders have not been following the HUD prescribed waterfall in what they offer to FHA borrowers coming out of covid forbearance.

Additionally, the Flagstar website mistakenly allowed people to re-apply for forbearance for an additional period after forbearance actually ended ( through XX/XX/21 ). I did this application in XXXX or XXXX and was told that I was good through XX/XX/21, but this made me nervous and I called and they said this was a glitch on the website and my forbearance actually would end in XXXX. So I'm lucky I followed up but I imagine this really caused some problems for other borrowers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: NC

Complaint narrative:
I received an email from CEDARS Business Services on Friday, XXXX, XXXX at XXXX PM EST. In the email, Account Manager, XXXX XXXX, states that I have a past due balance of {$30000.00} from XXXX XXXX XXXX  which is located in the XXXX XXXX. The account manager is assuming that I knew the account was in collection and that they had sent me other emails about this fraudulent account. First, of all, this is the first email that I received from them. Second of all, I never took out a loan for any money with this bank or any other and left the XXXX with XXXX balance with my XXXX XXXX XXXX  account. I have the last statement from this bank dated XX/XX/XXXX. It states all the transactions that have been carried forward and it states XXXX balance. I wasn't able to close the account before I left but the last information I have clearly states that I owe the bank nothing. I believe that someone else has either committed fraud or used my name in identity theft because I have no knowledge or responsibility for the debt they say I owe and are attempting to collect. I have asked them to stop all communication with me and with this email, address or otherwise and I have recorded a dispute with XXXX. XXXX removed the hard inquiry that they had recorded on my credit report as of XX/XX/XXXX. My statement is that when I left the XXXX as an XXXX in XXXX in XXXX, I had not taken out a loan at all and had no outstanding debt. This company has not provided a debt validation letter ; just, a file # XXXX and a balance of {$30000.00} which is completely erroneous and implies that someone has been using my name or credit without my knowledge which is considered either fraud or identity theft. The email I was sent is from XXXX and does not have an letterhead address from the company on it which I found strange even though XXXX business service is listed in XXXX as a registered debt collection agency. I did XXXX their address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, California ) and I plan to follow up within the 30 day period from when I received the email stating what I just told you and request that they do not contact me about the referenced debt, in compliance with the Fair Debt Collection Practices Act. I dispute having any obligation for this debt and have NO knowledge of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have a Torrid credit card that is through Comenity Bank. When I was approved for the credit card my assigned credit limit was {$300.00}. I never went over my credit limit nor was I ever late with my credit card bill. In XX/XX/2022 I found out through my credit bureau reports that Torrid/ Comenity Bank raised my credit card limit to XXXX Once again I never went over my credit limit nor was I ever late with the credit card bill. In XX/XX/2022 I paid off my entire balance of {$230.00}. When I went to look at my account to make sure no interest was due I saw that Torrid/Comenity Bank had lowered my credit card limit to {$100.00}. When I spoke to Torrid/Comenity Bank they were unable to provide me an answer as to why my credit card limit had been decreased and that someone gives me a callback. To date, no one has called me back. 

Each and every time that my limit is raised and decreased it hits my credit bureau report and it could have a potential positive or negative effect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I have a VA loan on my home, and had a hardship forbearance under the Cares Act for Covid. I have been trying to get my streamline redone on my loan since XXXX, and because they didn't enter the information correctly when talking to them on the phone, they say I am no longer eligible for the streamline refinance. I then entered the information and submitted what they asked me as they said I was approved on XX/XX/2022 for a reguar refinance. The guy took all my information over the phone, said I was approved and to check back if I don't receive the paperwork in the mail in 3-4 weeks. 
I called them on XX/XX/2022 as I had not heard back from them, and the Rep. said I had been declined on XX/XX/2022. They did nothing to tell me this. Why did the guy tell me I was approved and then they disapproved it. Under the Cares Act they were supposed to automatically approve you for the refinance and move the balance to the end of your loan. I am afraid I will lose my house as I can never get a straight answer from them and the keep putting me off. Thanks! 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