vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts listed below indicate my federally protected consumer right to privacy and confidentiality under 15 USC 1681 have been violated. 

XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$340.00} XXXX Opened XX/XX/XXXX {$710.00} 15 U.S.C. 1681 Section 602 A - This states I have the right to privacy 15 U.S.C. 1681 Section 602 A Subsection 2 - Also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1681 Section C Subsection A5 - States no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681 Section S Subsection A1 - 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.

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 2022-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I sent a letter to Exeter Finance on XX/XX/2022 asking for Debt Validation and full disclosure according to the Truth in Lending Act 15 USC 1631 under disclosure requirements. A letter was mailed back from Exeter but it only included a copy of a contract that was NOT created by Exeter, but by XXXX Used Cars and it was fraudulently signed. The lease does not include a right to rescission 15USC 1635 and it also states that I gave a security interest in purchasing the vehicle, which the debt collector could not properly explain. 

The letter also included a request to cease and desist all communication while the dispute is in process and they have both still communicated with me and failed to provide me with proper documentation. My credit score is continuing to decline because they are also still reporting incorrect information to all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
I had a credit card with Avant ( last four numbers of the card were XXXX ). 

I always made monthly payments, electronically, through XXXX XXXX XXXX. 

For some mysterious reasons, even when I scheduled payments BEFORE the due date, Avant always marked them as late payments, and charged me a fee. 

I contacted Avant numerous times. They had no explanation. 

They would then take 2-3 weeks to credit the account. 

I contacted them several times about this. They had no explanation as to why this was. 

I got frustrated, and closed the account after 90 days. They still charged me an annual fee. 

On Saturday XX/XX/2022 at XXXX XXXX I spoke with an Avant rep named XXXX XXXX about refunding the annual fee - since I'd only had the card such a short time, and since their customer service was so poor ( and perhaps dishonest ). 

She said that it was impossible to refund the annual fee or the amount of the annual fee. She was trying to tell me, a bank can't refund a fee. She offered NO explanation as to why Avant could not do that. T The simple fact is, she was lying to me. Avant engages in dishonest practices, overcharges customers for fees, then lies about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc.
State: AR

Complaint narrative:
I have been trying to refinance my home from BSI. Previously, we had to settle out of court because of their lost their summary judgment in court back in XX/XX/XXXX. In the agreement, I was to be able to refinance the home anytime without any prepayment penalty. The first time I tried to refinance, BSI told the XXXX XXXX XXXX XXXX that I was XXXX. This was a lie. BSI never corrected this with the XXXX. Fat forward almost XXXXhree years later, I am trying to refinance through my local bank, XXXX XXXX XXXX XXXX. I was able to go online to acquire my payoff through the online services. As of XXXX BSI has stop allowing me to get my payoff through the online system. Their attorney contacted my attorney and told my attorney that I would have to go through him to get a payoff. On XX/XX/XXXX,, my attorney contacted their attorney in writing requesting a payoff. This was the first time requesting it. BSI has failed to provide my payoff still. The mortgage company and title company requested the payoff as well. BSI lied and told the title company they faxed it. The title company stated they have not received it and have never seen a mortgage company conduct business like this. I have tried calling BSI and now they say its a desist and cease on the account and I can not get a payoff until legal gets involved. My attorney had requested another payoff on XX/XX/XXXX. BSI still elects not to send me a payoff. BSI like the first time are trying to keep me in this bad loan. Additionally, BSI has reported at the end of this month that I owe over {$500000.00} on my home. This is incorrect. This is another tactic they used in my opinion to lower my score whereas I can not refinance my loan. By increasing the amount owed to what the purchase price is hurts your credit. I am quite aware BSI knows this as well. Because of their actions, my credit score dropped XXXX points on all major bureaus. I went online to look at the balance and it is showing {$250000.00} as the principal balance. This was the same amount that was being reported to the credit bureaus the month prior. From XX/XX/XXXX to XX/XX/XXXX my balance owed increased almost over {$250000.00} on all major issued. BSI Financial are using " predatory '' tactics to keep me in a bad loan. They are refusing me to refinance by not giving me the payoff. This is a payoff that has been requested twice. Once in XX/XX/XXXX and secondly, XX/XX/XXXX. My attorney contacted their attorney and still nothing has been produced. BSI is aware that I am trying to close but, refuses to assist as they are obligated to as a mortgage provider

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: MD

Complaint narrative:
In accordance to the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

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

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 2022-05-14 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: MD

Complaint narrative:
In accordance to the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
request deletion of XXXX XXXX bank account ending XXXX due to the fact that XXXX XXXXXXXX request to delete this trade line

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 2022-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
XX/XX/2022, I received a letter from a Debt collector company that goes by the name of Firstsource Advantage LLC. In the letter I they are telling me they are trying to collect a alleged debt on behalf of XXXX XXXX. I am a consumer and i am well informed of my rights and the federal laws that protect me from unfair debt collection practices and according to the Fair Debt Collection Practices Act, Firstsource Advantage LLC has violated these rules and regulations. I never gave this debt collector permission or consent to contact me, and i have sent them a letter of cease and desist pursuant to 15 USC 1692 C. Also In the letter Firstsource Advantage LLC said " As of the date of this letter, you owe {$2600.00} '' This is a violation because a debt collector can't say i owe anything pursuant to 15 USC 1692 b and also in the letter was said " Firstsource Advantage , LLC is a debt collector. We are trying to collect a debt that you owe XXXX XXXX. We will use any information you give us to help collect the debt '' This is also a violation because a debt collector can not use or obtain information on a consumer to collect a debt and i have proof of this pursuant to 15 USC 1692e ( 10 ). I have been receiving multiple phone calls that have interrupted me at work and caused me a great deal of stress, I have proof of these unwanted phone calls i never gave consent to receive, this is a violation pursuant to 15 USC 1692c. Firstsource Advantage , LLC is responsible for all damages that cost {$1000.00} per violation pursuant to 15 USC 1692k

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: LEXISNEXIS
State: IL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer. I am submitting this complaint against LexisNexis in reference to complaint # XXXX ( attached ). In their response, LexisNexis stated that their investigation was resolved on XX/XX/2022, however based on the information I, XXXX XXXX, provided in the previous complaint, they were unable to fully authenticate my identity, and that even though I, XXXX XXXX, provided them with my name, address and driver 's license, LexisNexis still needs additional information to further prove my identity. My question to LexisNexis is how were they able to properly investigate any disputes or complaints, needing more information to fully authenticate my identity? According to 15 USC 1681h, proper identification was given. Congress does not state that the consumer has to provide any other means of identifying documentation, other than what I have already provided. ( attached labeled Identification ). My second question to LexisNexis is to provide me with the " description of the procedure '' used ( as they stated in their response ) in their investigation? LexisNexis also stated in their response that they have no obligation under the FCRA 15 usc 1681 and that i need to be advised that LexisNexis is not a debt collector. I am aware that LexisNexis is in fact a consumer reporting agency according to 15 usc 1681a ( p ) and according to 15 usc 1681b ( 2 ) the furnishing of any consumer related information has to be in accordance with the written instructions of the consumer to whom it relates. Lastly, LexisNexis stated 3 " rights '' that I, as a consumer, have the right to according to FCRA, yet LexisNexis failed to mention my rights to privacy according to 15 usc 1681 section 602 A.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I, XXXX XXXX XXXX XXXX am filing a complaint against CAPITAL ONE AUTO FINANCE. 
Capital One Auto Finance has written this debt off of their books as a charge off. By definition : A charge-off is a decision by the Agency to REMOVE DEBT from Agency receivables , however, future payments MAY be received. Please provide me with a copy of the 1099C that was filed by your company and delete this account from my consumer report. Furnishing this alleged debt to my consumer report as a means of coercing me to pay is EXTORTION. COLLECTION OF EXTENTIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF 18 USC 894 AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: Paypal Holdings, Inc

Complaint narrative:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( Online Selling, Video editing and free lancing ) since XXXX 2022. My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: Paypal Holdings, Inc

Complaint narrative:
I believe that it was a mistake to close my Paypal account .I am using my Paypal account for my business online.XXXX  XXXX XXXX store.my PayPal account : XXXX Has stucked funds in it that I have to withdrawn asap for emergency purposes.And I'm hoping that will get back my account and to be able to withdraw my funds.Thank you and Godbless

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I currently have a collection account with XXXX XXXX XXXX XXXX with a current payment arrangement. Equifax is report this account twice on my credit report. I only have 1 account. The duplicate account is negatively affecting my credit score and the purchase of a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
SENTRY CREDIT has begun reporting an account as a collection on my credit. This account is not solely mine and is currently being negotiated inside of divorce proceedings. I have spoken to agents at Sentry Credit and I have explained that my I am unable to reach my ex regarding this debt, nor do I know where she is, nor am I able to or required to make the full payment. I have further explained that the balance of this account will be paid in full by both my ex and I, once the divorce is finalized. I was misled to believe that the creditor would wait for the final divorce decree before any further action would be taken. This debt is only 1/2 mine and I intend to pay the debt in full with funds that I am entitled to receive in the divorce proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: NY

Complaint narrative:
request deletion of XXXX  XXXX bank account ending XXXX due to the fact that XXXX XXXX request to delete this trade line

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 2022-05-14 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: NY

Complaint narrative:
request deletion of XXXX XXXX XXXX account ending XXXX due to the fact that XXXX XXXX  request to delete this trade line

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c - Communication in connection with debt collection 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

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 2022-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have disputed this dedt since 2020 with no results. I have disputed the account with XXXX only to be told that the information is accurate. I have further filed a complaint with the XXXX complaint number XXXX and the collection agency has yet to respond to my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Tried talking to them about the reports they were rude and disrespectful only wanted to know when I could send some money one even asked who I bank with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

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

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 2022-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: MD

Complaint narrative:
Dear there, I opened an US bank checking account online in XX/XX/2022 and with opening promotion of {$500.00} if I made direct deposit of XXXX dollars within XXXX and login online account. I called US customer service several times in XXXX and they all told me I qualified the requirements and should receive the {$500.00} soon. Then I called again inXXXX XXXX  and one representative told me I was not qualified because of where I live. I called in another time and was transferred many times to different departments and nobody can find the location restriction of the promotion. Later they gave me another reason that is the bank account is a A state farm and US bank alliance account but I applied with US bank and they accepted the promotion mode. I think US bank deceived customers and I am total qualified for the promotion and they just dont want to make the payment. 

Best regards, 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