vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-03 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: MA

Complaint narrative:
On XX/XX/XXXX, XXXX and XXXX of XXXX, I made a payment each day to Avant credit card. By XX/XX/2022, Credit available and credit limit were the same at {$300.00}. XXXX was paid in full. On XX/XX/2022, I looked at the account online. It showed a charge of {$3.00}. An email from Avant clearly states it is an interest charge for XX/XX/2022. I sent letters, received no reply. Avant sent me a letter stating that they had sold the account to a collection agency and the amount now owed is {$100.00}. I sent all the info I had to that collection agency. I then received another letter from Avant stating they sold the account to another collection agency. After waiting for a while, heard nothing from this XXXX collections, I called them. The man I spoke to said they could not collect on the debt nor could they report it to the credit Bureau. I sent a Letter of Intent to Avant XXXX. I've yet to receive a response. I would like to file a law suit as they have yet to correct the info on both XXXX XXXX and XXXX XXXX. It is not a charge off or delinquent. I do not owe them. It is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX and Ive had checking account with Citi Bank for more than 2 years. I have my funds from my side job depositing into the account. I recently deposited a check from XXXX XXXX XXXX XXXX for a recent car that I sold to one of their customers. I sent the ceck to the citi processing center in XXXX XXXX Tx to deposit it into my account. I checked my account about a week later, and it was blocked! I called multiple times to citi only to get the same run around. The check needed to be verified. I finally called the monday after the deposit, and to my surprise Citi said they were going to keep the BLOCK and requesting to CLOSE MY ACCOUNT! What is any reasoning for that? I have done NOTHING wrong in my accounts and now Citibank is trying to hold my money for 30-60 days for no reason. I have been given NO reasoning as to why this decision is even considered. Id like to open a case with somebody and get to the bottom of why my funds are being held. 

If you could respond ASAP that would be great. Im just trying to get my account to stay open or AT LEAST be able to access my funds that are rightfully mine. 

XXXX XXXX XXXX. 
check amount : {$19000.00} dates called : 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 non-monetary relief
Consumer complaint received 2023-07-03 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:
Account name : XXXX XXXX XXXX XXXX Account name : XXXX -Account name : XXXX XXXX- Account name : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2023-07-03 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: CA

Complaint narrative:
Account name : XXXX XXXX XXXX XXXX Account name : XXXX -Account name : XXXX XXXX- Account name : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I Contacted the bank a few months back about a debit transaction for an unauthorized amount over XXXX for a Jewelry Store. I don't even wear jewelry!!!! The name of the Merchant was XXXX XXXX or something of that sort. I asked that the bank investigate this and return my funs. The bank once again after all the negative press this bank gets for fraud and scams did not resolve the issue. Basically Told me I was the one who authorized this and I did not. I asked what were the determining factors and the rep started to stutter and of course made up a lie that they would send the details of the decision in the mail. At this point I want my money back from this joke of a bank. Ive been a customer since XX/XX/2009 and have over XXXX sitting in that account plus more at another institution. Im going to blast this bank all over the net and make sure people know not to do business with them and that their money is not safe here. The bank closed and reissued the card for fraud. But won't charge back my funds, this is crazy.

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 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: NV

Complaint narrative:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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 2023-07-03 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: Idaho Housing And Finance Association
State: TX

Complaint narrative:
XXXX XXXX  which is the same company as Homeloanserv which was paid off in XXXX of XXXX have lost my patience with this company placing negative information on my XXXX account and XXXX is allowing it.Every other week they are sending fraudulent information that I am delinquent on an account that was paid off on XXXXXXXX XXXX accepted a check from the title company on both loans they had opened in my name and one of the loans was a XXXX XXXX.Why are you all allowing both of these entities to place fraudulent information on my credit reports? I provided proof to you all the loans was paid in full. The title company has provided information, so my question is do I need to hire an attorney and file a lawsuit against someone in order to get this negative information off my credit report? Its sad when innocent consumers are battling against these predatory companies.Everytime I apply for a place to live that false information is hindering my ability to move forward with my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: Velocity Portfolio Group
State: MO

Complaint narrative:
XX/XX/2023 Request for Deletion of Charge-off with Forward Follow Agreement I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between Velocity Investments LLC and XXXX XXXX As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the charge-off is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business 3 to comply with the terms of the agreement. 

Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

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 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: VA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-07-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Kept receiving XXXX calls from this company. Called them at their phone number XXXX and got transferred to a rep who said my number belonged to a XXXX. I asked them to remove me from their XXXX called list and they repeated said " have a nice day '' and avoided all request from me to remove me from their robo call list as im clearly not in any debt to them or anyone. Proceeded to harassed me with more robo calls after i kindly asked them to stop. The number they have me under their system is XXXX. I've called and asked them to stop on XX/XX/2023 at XXXX. They've also called me countless times outside of their allowed called time zone as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony bank is reporting late payments on an open account. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on an account under and open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this titled is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-07-03 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: FL

Complaint narrative:
I am writing this letter on my behalf to request the prompt removal of the extended fraud alert that is currently on my credit report. I have attached the necessary documents, including proof of my identification, proof of address, and proof of social security number. Please take immediate action to remove the fraud alert from my credit report. Thank you for your attention to this matter.

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 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing this letter on my behalf to request the prompt removal of the extended fraud alert that is currently on my credit report. I have attached the necessary documents, including proof of my identification, proof of address, and proof of social security number. Please take immediate action to remove the fraud alert from my credit report. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent/LVNV is a Debt collecting agency and has been on my credit report for years just causing damage to my consumer report. I have NO contract or agreement with LVNV. I contacted them numerous of times in XXXX and XXXX requesting validation of debt pursuant to 15 USC 1692. They have only sent me in return basic generated statements. They have added 2 separate accounts in my credit report. These accounts are unverifiable, In addition, They are NOT legally authorized to be collecting any debt from me. Resurgent/LVNV is not licensed in my state FLORIDA. to be collecting from me. They are violating The Fair Credit Reporting Act. 


Account Info : Account Number XXXX XXXX Reported Balance {$780.00} Account Number XXXX XXXX Reported Balance {$710.00} Account Status COLLECTION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: CA

Complaint narrative:
XXXX I have sent multiple letter trying to dispute the inaccurate and negative information thats being reporting to my XXXX credit report. XXXX has refused to do a proper and thorough investigation. I have attached three of many letters thats been sent to 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 2023-07-03 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received an email alert from XXXX asking if I had recently applied for a credit card. I responded back that I had not recently applied for a credit card. I then received a call from XXXX on Friday, XX/XX/XXXX asking me if I would give them permission to call the credit card company, Synchrony Bank for a Venmo credit card, which we did. I reported to them that I had not applied for this credit card and that it was fraudulently obtained. They said that they were closing the account and sending it to the fraud investigations department for review. I also had a {$1500.00} transaction with my bank account from Venmo. I have since suspended that account. I have also frozen my credit with all 3 credit bureaus and have also placed a fraud alert with each one of 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 non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient has been harassing me daily, many times/day for a loan that isn't even past due. Every single day. I don't know how legally they are still in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
Convergent Outsourcing, Inc is calling and sending letters. I have never contracted with this debt collector. The original creditor has received their funds.

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 2023-07-03 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.

Complaint narrative:
The salesperson claimed that they will be making a soft inquiry on my credit score. I reconfirmed it and he reassured me. 

5 minutes later, I receive a notification on my Experian app that a HARD INQUIRY was made. 
Finance manager came out and I asked him about it. He was adamant that it wasn't a HARD INQUIRY because that only happens for banks. 
I asked him to send me an email to support this claim. He refused. 

Dealer in reference 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 explanation